ADX:NBQ Balance Sheet

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Cash & Equivalents	3,091	5,328	3,974	1,422	3,625
Investment Securities	3,112	1,739	1,443	3,899	1,133
Total Investments	3,112	1,739	1,443	3,899	1,133
Gross Loans	9,151	7,961	7,173	7,769	6,890
Allowance for Loan Losses	-86.54	-184.92	-181.81	-334.95	-301.56
Net Loans	9,065	7,776	6,991	7,434	6,589
Property, Plant & Equipment	69.51	72.32	71.47	73.83	85.53
Accrued Interest Receivable	133.59	91.11	55.42	40.62	32.62
Other Receivables	6,018	1,830	1,478	-	902.97
Restricted Cash	1,091	755.04	482.92	302.43	345.64
Other Current Assets	248.29	204.8	198.42	267.63	245.53
Other Real Estate Owned & Foreclosed	56.68	65.13	78.8	155.52	178.36
Other Long-Term Assets	5.04	19.29	5.17	10.36	4.12
Total Assets	22,890	17,880	14,777	13,605	13,142
Accounts Payable	27.19	28.06	29.15	30.67	26.63
Accrued Expenses	4.31	1.92	1.1	1.38	1.28
Interest Bearing Deposits	8,555	5,944	4,959	5,089	4,808
Non-Interest Bearing Deposits	7,147	5,462	3,770	2,773	2,892
Total Deposits	15,702	11,406	8,729	7,862	7,700
Current Income Taxes Payable	51.55	45.03	-	-	-
Accrued Interest Payable	122.09	97.93	79.55	30.3	12.51
Other Current Liabilities	362.2	249.64	246.03	307.91	302.2
Long-Term Leases	1.74	2.54	1.95	3.69	5.24
Pension & Post-Retirement Benefits	26.25	24.47	21.4	19.85	18.87
Long-Term Deferred Tax Liabilities	1.42	0.74	-	-	-
Other Long-Term Liabilities	41	38.4	27.57	22.33	24.44
Total Liabilities	16,340	11,895	9,136	8,278	8,091
Common Stock	2,000	2,000	2,000	2,000	1,848
Retained Earnings	3,723	3,471	3,253	2,943	2,830
Comprehensive Income & Other	827.61	515.17	388.25	383.71	372.62
Shareholders' Equity	6,550	5,986	5,641	5,327	5,051
Total Liabilities & Equity	22,890	17,880	14,777	13,605	13,142
Total Debt	1.74	2.54	1.95	3.69	5.24
Net Cash (Debt)	3,090	5,325	3,972	3,979	3,620
Net Cash Growth	-41.98%	34.09%	-0.19%	9.92%	4.25%
Net Cash Per Share	1.54	2.66	1.99	2.07	1.88
Filing Date Shares Outstanding	2,000	2,000	2,000	2,000	2,000
Total Common Shares Outstanding	2,000	2,000	2,000	2,000	2,000
Book Value Per Share	3.28	2.99	2.82	2.66	2.53
Tangible Book Value	6,550	5,986	5,641	5,327	5,051
Tangible Book Value Per Share	3.28	2.99	2.82	2.66	2.53

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