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

ADX:NBQ Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	2,806	5,328	3,974	1,422	3,625	3,671
Investment Securities	2,489	1,739	1,443	3,899	1,133	944.34
Total Investments	2,489	1,739	1,443	3,899	1,133	944.34
Gross Loans	8,358	7,961	7,173	7,769	6,890	7,992
Allowance for Loan Losses	-	-184.92	-181.81	-334.95	-301.56	-352.18
Net Loans	8,358	7,776	6,991	7,434	6,589	7,640
Property, Plant & Equipment	73.68	72.32	71.47	73.83	85.53	86.36
Accrued Interest Receivable	-	91.11	55.42	40.62	32.62	39.11
Other Receivables	5,903	1,835	1,478	-	902.97	475
Restricted Cash	-	755.04	482.92	302.43	345.64	311.91
Other Current Assets	219.71	204.8	198.42	267.63	245.53	185.36
Other Real Estate Owned & Foreclosed	-	65.13	78.8	155.52	178.36	63.73
Other Long-Term Assets	310.58	14.32	5.17	10.36	4.12	129.45
Total Assets	20,160	17,880	14,777	13,605	13,142	13,546
Accounts Payable	-	28.06	29.15	30.67	26.63	25.64
Accrued Expenses	-	1.92	1.1	1.38	1.28	0.76
Interest Bearing Deposits	13,319	5,944	4,959	5,089	4,808	5,609
Non-Interest Bearing Deposits	-	5,462	3,770	2,773	2,892	2,616
Total Deposits	13,319	11,406	8,729	7,862	7,700	8,225
Short-Term Borrowings	-	-	-	-	-	198.56
Current Income Taxes Payable	-	45.03	-	-	-	-
Accrued Interest Payable	-	97.93	79.55	30.3	12.51	26.59
Other Current Liabilities	219.71	249.64	246.03	307.91	302.2	321.31
Long-Term Leases	-	2.54	1.95	3.69	5.24	-
Pension & Post-Retirement Benefits	-	24.47	21.4	19.85	18.87	20.87
Long-Term Deferred Tax Liabilities	-	0.74	-	-	-	-
Other Long-Term Liabilities	387.48	38.4	27.57	22.33	24.44	30.01
Total Liabilities	13,926	11,895	9,136	8,278	8,091	8,849
Common Stock	2,000	2,000	2,000	2,000	1,848	1,848
Retained Earnings	3,426	3,471	3,253	2,943	2,830	2,714
Comprehensive Income & Other	807.82	515.17	388.25	383.71	372.62	135.63
Shareholders' Equity	6,233	5,986	5,641	5,327	5,051	4,697
Total Liabilities & Equity	20,160	17,880	14,777	13,605	13,142	13,546
Total Debt	-	2.54	1.95	3.69	5.24	198.56
Net Cash (Debt)	2,806	5,325	3,972	3,979	3,620	3,473
Net Cash Growth	-17.35%	34.09%	-0.19%	9.92%	4.25%	-12.82%
Net Cash Per Share	1.42	2.66	1.99	2.07	1.88	1.74
Filing Date Shares Outstanding	2,133	2,000	2,000	2,000	2,000	2,000
Total Common Shares Outstanding	2,133	2,000	2,000	2,000	2,000	2,000
Book Value Per Share	2.92	2.99	2.82	2.66	2.53	2.35
Tangible Book Value	6,233	5,986	5,641	5,327	5,051	4,697
Tangible Book Value Per Share	2.92	2.99	2.82	2.66	2.53	2.35

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