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

ADX:NBQ 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	936.88	913.21	776.42	462.48	326.95	417.4
Interest Paid on Deposits	300.67	256.56	170.92	64.01	49.8	87.61
Net Interest Income	636.21	656.65	605.51	398.47	277.15	329.79
Net Interest Income Growth (YoY)	-2.40%	8.45%	51.96%	43.77%	-15.96%	-34.25%
Gain (Loss) on Sale of Investments	62.13	55.11	52.61	39.16	34.1	40.24
Other Non-Interest Income	192.1	123.48	126.13	97.37	81.62	103.45
Total Non-Interest Income	254.22	178.59	178.74	136.54	115.72	143.69
Non-Interest Income Growth (YoY)	34.64%	-0.09%	30.91%	17.98%	-19.46%	-1.49%
Revenues Before Loan Losses	890.43	835.23	784.25	535	392.88	473.47
Provision for Loan Losses	66.66	104.36	115.04	15.72	-8.26	111.93
Revenue	823.76	730.87	669.21	519.28	401.13	361.54
Revenue Growth (YoY)	13.72%	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	38.79	16.37	19.02	35.23	30.7	43.6
Total Non-Interest Expense	202.69	180.09	166.6	154.76	136.97	149.77
EBT Excluding Unusual Items	621.07	550.78	502.61	364.52	264.17	211.77
Pretax Income	621.07	550.78	502.61	364.52	264.17	211.77
Income Tax Expense	50.46	44.76	-	-	-	-
Net Income	570.61	506.03	502.61	364.52	264.17	211.77
Net Income to Common	570.61	506.03	502.61	364.52	264.17	211.77
Net Income Growth	10.36%	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)	0.29	0.25	0.25	0.19	0.14	0.11
EPS (Diluted)	0.29	0.25	0.25	0.19	0.14	0.11
EPS Growth	10.36%	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	8.12%	8.13%	-	-	-	-

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