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

ADX:NBQ Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	977.65	913.21	776.42	462.48	326.95
Interest Paid on Deposits	325.95	256.56	170.92	64.01	49.8
Net Interest Income	651.7	656.65	605.51	398.47	277.15
Net Interest Income Growth (YoY)	-0.75%	8.45%	51.96%	43.77%	-15.96%
Gain (Loss) on Sale of Investments	62.7	55.11	52.61	39.16	34.1
Other Non-Interest Income	189.31	123.48	126.13	97.37	81.62
Total Non-Interest Income	252.01	178.59	178.74	136.54	115.72
Non-Interest Income Growth (YoY)	41.12%	-0.09%	30.91%	17.98%	-19.46%
Revenues Before Loan Losses	903.71	835.23	784.25	535	392.88
Provision for Loan Losses	59.56	104.36	115.04	15.72	-8.26
Revenue	844.15	730.87	669.21	519.28	401.13
Revenue Growth (YoY)	15.50%	9.21%	28.87%	29.45%	10.95%
Salaries and Employee Benefits	132.61	113.49	100.93	92.42	79.91
Occupancy Expenses	24.78	22.61	24.75	27.12	26.17
Selling, General & Administrative	32.81	27.31	21.62	-	-
Other Non-Interest Expense	21.39	16.37	19.02	35.23	30.7
Total Non-Interest Expense	211.85	180.09	166.6	154.76	136.97
EBT Excluding Unusual Items	632.3	550.78	502.61	364.52	264.17
Pretax Income	632.3	550.78	502.61	364.52	264.17
Income Tax Expense	51.55	44.76	-	-	-
Net Income	580.75	506.03	502.61	364.52	264.17
Net Income to Common	580.75	506.03	502.61	364.52	264.17
Net Income Growth	14.77%	0.68%	37.88%	37.99%	24.74%
Basic Shares Outstanding	2,000	2,000	2,000	1,925	1,925
Diluted Shares Outstanding	2,000	2,000	2,000	1,925	1,925
Shares Change (YoY)	-	-	3.89%	-	-3.75%
EPS (Basic)	0.29	0.25	0.25	0.19	0.14
EPS (Diluted)	0.29	0.25	0.25	0.19	0.14
EPS Growth	14.77%	0.68%	32.72%	37.99%	29.60%
Dividend Per Share	0.200	0.180	0.150	0.100	0.074
Dividend Growth	11.11%	20.00%	50.00%	35.32%	-
Effective Tax Rate	8.15%	8.13%	-	-	-

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