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	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
Interest Income on Loans	1,001	977.65	913.21	776.42	462.48	326.95
Interest Paid on Deposits	343.43	325.95	256.56	170.92	64.01	49.8
Net Interest Income	657.79	651.7	656.65	605.51	398.47	277.15
Net Interest Income Growth (YoY)	4.71%	-0.75%	8.45%	51.96%	43.77%	-15.96%
Gain (Loss) on Sale of Investments	63.75	62.7	55.11	52.61	39.16	34.1
Other Non-Interest Income	176.34	189.31	123.48	126.13	97.37	81.62
Total Non-Interest Income	240.09	252.01	178.59	178.74	136.54	115.72
Non-Interest Income Growth (YoY)	55.16%	41.12%	-0.09%	30.91%	17.98%	-19.46%
Revenues Before Loan Losses	897.87	903.71	835.23	784.25	535	392.88
Provision for Loan Losses	85.6	59.56	104.36	115.04	15.72	-8.26
Revenue	812.27	844.15	730.87	669.21	519.28	401.13
Revenue Growth (YoY)	9.10%	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	27.41	21.39	16.37	19.02	35.23	30.7
Total Non-Interest Expense	217.69	211.85	180.09	166.6	154.76	136.97
EBT Excluding Unusual Items	594.59	632.3	550.78	502.61	364.52	264.17
Pretax Income	594.59	632.3	550.78	502.61	364.52	264.17
Income Tax Expense	47.88	51.55	44.76	-	-	-
Net Income	546.71	580.75	506.03	502.61	364.52	264.17
Net Income to Common	546.71	580.75	506.03	502.61	364.52	264.17
Net Income Growth	5.93%	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	5.93%	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	8.05%	8.15%	8.13%	-	-	-

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