ADX:NBQ Income Statement

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	Jun '26 Jun 30, 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
Interest Income on Loans	1,028	977.65	913.21	776.42	462.48	326.95
Interest Paid on Deposits	375.66	325.95	256.56	170.92	64.01	49.8
Net Interest Income	652.07	651.7	656.65	605.51	398.47	277.15
Net Interest Income Growth (YoY)	3.61%	-0.75%	8.45%	51.96%	43.77%	-15.96%
Gain (Loss) on Sale of Investments	71.81	62.7	55.11	52.61	39.16	34.1
Other Non-Interest Income	101	189.31	123.48	126.13	97.37	81.62
Total Non-Interest Income	172.81	252.01	178.59	178.74	136.54	115.72
Non-Interest Income Growth (YoY)	-24.77%	41.12%	-0.09%	30.91%	17.98%	-19.46%
Revenues Before Loan Losses	824.88	903.71	835.23	784.25	535	392.88
Provision for Loan Losses	13.86	59.56	104.36	115.04	15.72	-8.26
Revenue	811.02	844.15	730.87	669.21	519.28	401.13
Revenue Growth (YoY)	5.40%	15.50%	9.21%	28.87%	29.45%	10.95%
Salaries and Employee Benefits	132.61	132.61	113.49	100.93	92.42	79.91
Occupancy Expenses	24.78	24.78	22.61	24.75	27.12	26.17
Selling, General & Administrative	32.81	32.81	27.31	21.62	-	-
Other Non-Interest Expense	36.17	21.39	16.37	19.02	35.23	30.7
Total Non-Interest Expense	226.37	211.85	180.09	166.6	154.76	136.97
EBT Excluding Unusual Items	584.64	632.3	550.78	502.61	364.52	264.17
Pretax Income	584.64	632.3	550.78	502.61	364.52	264.17
Income Tax Expense	46.51	51.55	44.76	-	-	-
Net Income	538.14	580.75	506.03	502.61	364.52	264.17
Net Income to Common	538.14	580.75	506.03	502.61	364.52	264.17
Net Income Growth	0.69%	14.77%	0.68%	37.88%	37.99%	24.74%
Basic Shares Outstanding	2,000	2,000	2,000	2,000	1,925	1,925
Diluted Shares Outstanding	2,000	2,000	2,000	2,000	1,925	1,925
Shares Change (YoY)	-	-	-	3.89%	-	-3.75%
EPS (Basic)	0.27	0.29	0.25	0.25	0.19	0.14
EPS (Diluted)	0.27	0.29	0.25	0.25	0.19	0.14
EPS Growth	0.69%	14.77%	0.68%	32.72%	37.99%	29.60%
Dividend Per Share	0.200	0.200	0.180	0.150	0.100	0.074
Dividend Growth	11.11%	11.11%	20.00%	50.00%	35.32%	-
Effective Tax Rate	7.95%	8.15%	8.13%	-	-	-