National Bank of Fujairah PJSC (ADX: NBF)

NBF Balance Sheet

Financials in millions AED. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	398.45	2,533	4,275	5,521	3,409	1,934
Investment Securities	20,372	16,077	10,857	6,500	6,293	7,418
Trading Asset Securities	-	122.04	184.65	184.18	309.07	234.06
Total Investments	20,372	16,199	11,041	6,684	6,603	7,652
Gross Loans	33,763	29,637	28,937	27,795	27,058	29,141
Allowance for Loan Losses	-2,006	-1,733	-2,022	-2,175	-2,214	-1,302
Net Loans	31,756	27,904	26,915	25,620	24,844	27,838
Property, Plant & Equipment	394.03	372.86	331.66	316.3	368.38	348.97
Other Intangible Assets	182.76	144.71	114.47	76.77	-	-
Accrued Interest Receivable	-	319.6	238.94	136.9	177.77	293.76
Other Receivables	593	974.13	778.86	643.5	759.95	761.18
Restricted Cash	3,173	2,117	2,506	1,845	1,603	1,721
Other Current Assets	1,041	1,092	1,201	1,667	1,658	1,975
Other Long-Term Assets	618.14	64.05	221.88	433.77	449.39	280.31
Total Assets	58,529	51,720	47,624	42,946	39,872	42,805
Accrued Expenses	-	236.09	132.49	74.81	56.33	105.74
Interest Bearing Deposits	25,681	23,382	20,205	17,637	19,113	22,665
Non-Interest Bearing Deposits	16,165	15,190	15,531	14,562	10,653	9,285
Total Deposits	41,846	38,572	35,736	32,199	29,766	31,950
Short-Term Borrowings	3,831	2,584	2,597	1,753	2,026	1,870
Current Portion of Long-Term Debt	1,300	1,137	-	73.46	-	-
Current Income Taxes Payable	-	-	-	-	1.39	-
Accrued Interest Payable	-	409.06	190.93	77.5	135.31	257.24
Other Current Liabilities	1,045	1,076	1,185	1,659	1,644	1,959
Long-Term Debt	716.24	550.95	1,394	981.42	73.46	-
Pension & Post-Retirement Benefits	-	75.24	67.3	57.78	55.47	55.2
Other Long-Term Liabilities	1,744	512.42	471.07	394.41	442.42	257.88
Total Liabilities	50,481	45,153	41,774	37,270	34,200	36,455
Common Stock	2,226	2,120	2,000	2,000	1,915	1,850
Retained Earnings	3,441	3,042	2,329	2,156	2,096	2,756
Comprehensive Income & Other	2,381	1,405	1,522	1,519	1,662	1,745
Shareholders' Equity	8,048	6,567	5,850	5,676	5,672	6,351
Total Liabilities & Equity	58,529	51,720	47,624	42,946	39,872	42,805
Total Debt	5,846	4,272	3,991	2,808	2,099	1,870
Net Cash (Debt)	5,652	6,318	4,975	5,023	2,725	4,350
Net Cash Growth	19.34%	26.99%	-0.97%	84.33%	-37.35%	-3.40%
Net Cash Per Share	2.54	2.84	2.23	2.26	1.22	1.95
Filing Date Shares Outstanding	2,226	2,226	2,226	2,226	2,226	2,226
Total Common Shares Outstanding	2,226	2,226	2,226	2,226	2,226	2,226
Book Value Per Share	3.62	2.95	2.63	2.55	2.55	2.85
Tangible Book Value	7,865	6,422	5,736	5,599	5,672	6,351
Tangible Book Value Per Share	3.53	2.88	2.58	2.52	2.55	2.85

Source: S&P Capital IQ. Banks template. Financial Sources.