National Bank of Umm Al-Qaiwain (PSC) (ADX:NBQ)

New Relic Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	911.92	913.21	776.42	462.48	326.95	417.4
Interest Paid on Deposits	282.58	256.56	170.92	64.01	49.8	87.61
Net Interest Income	629.34	656.65	605.51	398.47	277.15	329.79
Net Interest Income Growth (YoY)	-3.43%	8.45%	51.96%	43.77%	-15.96%	-34.25%
Gain (Loss) on Sale of Investments	63.9	55.11	52.61	39.16	34.1	40.24
Other Non-Interest Income	165.81	123.48	126.13	97.37	81.62	103.45
Total Non-Interest Income	229.71	178.59	178.74	136.54	115.72	143.69
Non-Interest Income Growth (YoY)	-1.90%	-0.09%	30.91%	17.98%	-19.46%	-1.49%
Revenues Before Loan Losses	859.05	835.23	784.25	535	392.88	473.47
Provision for Loan Losses	89.58	104.36	115.04	15.72	-8.26	111.93
Revenue	769.48	730.87	669.21	519.28	401.13	361.54
Revenue Growth (YoY)	5.36%	9.21%	28.87%	29.45%	10.95%	-36.18%
Salaries and Employee Benefits	113.49	113.49	100.93	92.42	79.91	83.42
Occupancy Expenses	22.61	22.61	24.75	27.12	26.17	22.24
Selling, General & Administrative	27.31	27.31	21.62	-	-	-
Other Non-Interest Expense	24.09	16.37	19.02	35.23	30.7	43.6
Total Non-Interest Expense	188.12	180.09	166.6	154.76	136.97	149.77
EBT Excluding Unusual Items	581.36	550.78	502.61	364.52	264.17	211.77
Pretax Income	581.36	550.78	502.61	364.52	264.17	211.77
Income Tax Expense	46.93	44.76	-	-	-	-
Net Income	534.42	506.03	502.61	364.52	264.17	211.77
Net Income to Common	534.42	506.03	502.61	364.52	264.17	211.77
Net Income Growth	0.30%	0.68%	37.88%	37.99%	24.74%	-50.10%
Basic Shares Outstanding	2,000	2,000	2,000	1,925	1,925	2,000
Diluted Shares Outstanding	2,000	2,000	2,000	1,925	1,925	2,000
Shares Change (YoY)	-	-	3.89%	-	-3.75%	-
EPS (Basic)	0.27	0.25	0.25	0.19	0.14	0.11
EPS (Diluted)	0.27	0.25	0.25	0.19	0.14	0.11
EPS Growth	0.29%	0.68%	32.72%	37.99%	29.60%	-50.10%
Dividend Per Share	0.180	0.180	0.150	0.100	0.074	0.074
Dividend Growth	20.00%	20.00%	50.00%	35.32%	-	-27.26%
Effective Tax Rate	8.07%	8.13%	-	-	-	-

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