ADX:NBF Balance Sheet

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	1,821	1,379	2,533	4,275	5,521
Investment Securities	22,981	20,753	16,058	10,857	6,500
Trading Asset Securities	196.58	158.39	141.25	184.65	184.18
Total Investments	23,178	20,911	16,199	11,041	6,684
Gross Loans	39,641	34,502	29,637	28,937	27,795
Allowance for Loan Losses	-2,175	-2,110	-1,733	-2,022	-2,175
Net Loans	37,467	32,392	27,904	26,915	25,620
Property, Plant & Equipment	263.81	378.39	372.86	331.66	316.3
Other Intangible Assets	337.32	199.42	144.71	114.47	76.77
Accrued Interest Receivable	333.6	317.84	319.6	238.94	136.9
Other Receivables	993.76	1,159	974.13	778.86	643.5
Restricted Cash	3,489	2,776	2,117	2,506	1,845
Other Current Assets	1,431	1,316	1,092	1,201	1,667
Other Long-Term Assets	60.42	50.29	64.05	221.88	433.77
Total Assets	69,374	60,879	51,720	47,624	42,946
Accrued Expenses	380.8	358.92	236.09	132.49	74.81
Interest Bearing Deposits	29,037	26,556	23,382	20,205	17,637
Non-Interest Bearing Deposits	21,944	19,201	15,190	15,531	14,562
Total Deposits	50,981	45,757	38,572	35,736	32,199
Short-Term Borrowings	4,858	3,607	2,584	2,597	1,753
Current Portion of Long-Term Debt	1,893	1,044	-	-	73.46
Current Income Taxes Payable	120.57	84.54	-	-	-
Accrued Interest Payable	343.04	393.71	409.06	190.93	77.5
Other Current Liabilities	1,421	1,307	1,076	1,185	1,659
Long-Term Debt	899.89	808.06	1,688	1,394	981.42
Pension & Post-Retirement Benefits	84.78	81.62	75.24	67.3	57.78
Long-Term Deferred Tax Liabilities	7.96	2.82	-	-	-
Other Long-Term Liabilities	633.08	579.49	512.42	471.07	394.41
Total Liabilities	61,624	54,023	45,153	41,774	37,270
Common Stock	2,580	2,580	2,120	2,000	2,000
Retained Earnings	5,060	4,242	3,042	2,329	2,156
Comprehensive Income & Other	109.09	33.13	1,405	1,522	1,519
Shareholders' Equity	7,750	6,856	6,567	5,850	5,676
Total Liabilities & Equity	69,374	60,879	51,720	47,624	42,946
Total Debt	7,652	5,459	4,272	3,991	2,808
Net Cash (Debt)	-1,185	-369.55	6,337	4,975	5,023
Net Cash Growth	-	-	27.38%	-0.97%	84.33%
Net Cash Per Share	-0.46	-0.14	2.46	2.23	2.26
Filing Date Shares Outstanding	2,580	2,580	2,226	2,226	2,226
Total Common Shares Outstanding	2,580	2,580	2,226	2,226	2,226
Book Value Per Share	3.00	2.66	2.95	2.63	2.55
Tangible Book Value	7,413	6,656	6,422	5,736	5,599
Tangible Book Value Per Share	2.87	2.58	2.88	2.58	2.52

Source: S&P Global Market Intelligence. Banks template. Financial Sources.