ADX:NBF Balance Sheet

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	8,568	1,821	1,379	2,533	4,275	5,521
Investment Securities	18,140	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	18,140	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	261.55	263.81	378.39	372.86	331.66	316.3
Other Intangible Assets	342.65	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	2,135	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	1,351	1,431	1,316	1,092	1,201	1,667
Other Long-Term Assets	888.74	60.42	50.29	64.05	221.88	433.77
Total Assets	68,845	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	49,725	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	49,725	50,981	45,757	38,572	35,736	32,199
Short-Term Borrowings	5,464	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	1,353	1,421	1,307	1,076	1,185	1,659
Long-Term Debt	2,651	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	1,627	633.08	579.49	512.42	471.07	394.41
Total Liabilities	60,821	61,624	54,023	45,153	41,774	37,270
Common Stock	2,580	2,580	2,580	2,120	2,000	2,000
Retained Earnings	5,403	5,060	4,242	3,042	2,329	2,156
Comprehensive Income & Other	41.21	109.09	33.13	1,405	1,522	1,519
Shareholders' Equity	8,024	7,750	6,856	6,567	5,850	5,676
Total Liabilities & Equity	68,845	69,374	60,879	51,720	47,624	42,946
Total Debt	8,116	7,652	5,459	4,272	3,991	2,808
Net Cash (Debt)	452.43	-1,185	-369.55	6,337	4,975	5,023
Net Cash Growth	-90.43%	-	-	27.38%	-0.97%	84.33%
Net Cash Per Share	0.18	-0.46	-0.14	2.46	2.23	2.26
Filing Date Shares Outstanding	2,574	2,580	2,580	2,226	2,226	2,226
Total Common Shares Outstanding	2,574	2,580	2,580	2,226	2,226	2,226
Book Value Per Share	3.12	3.00	2.66	2.95	2.63	2.55
Tangible Book Value	7,682	7,413	6,656	6,422	5,736	5,599
Tangible Book Value Per Share	2.98	2.87	2.58	2.88	2.58	2.52

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