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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	3,913	5,328	3,974	1,422	3,625	3,671
Investment Securities	2,161	1,739	1,443	3,899	1,133	944.34
Total Investments	2,161	1,739	1,443	3,899	1,133	944.34
Gross Loans	8,395	7,961	7,173	7,769	6,890	7,992
Allowance for Loan Losses	-178.3	-184.92	-181.81	-334.95	-301.56	-352.18
Net Loans	8,217	7,776	6,991	7,434	6,589	7,640
Property, Plant & Equipment	71.69	72.32	71.47	73.83	85.53	86.36
Accrued Interest Receivable	79.9	91.11	55.42	40.62	32.62	39.11
Other Receivables	2,895	1,835	1,478	-	902.97	475
Restricted Cash	932.01	755.04	482.92	302.43	345.64	311.91
Other Current Assets	238.07	204.8	198.42	267.63	245.53	185.36
Other Real Estate Owned & Foreclosed	65.13	65.13	78.8	155.52	178.36	63.73
Other Long-Term Assets	70.68	14.32	5.17	10.36	4.12	129.45
Total Assets	18,642	17,880	14,777	13,605	13,142	13,546
Accounts Payable	14.25	28.06	29.15	30.67	26.63	25.64
Accrued Expenses	3.35	1.92	1.1	1.38	1.28	0.76
Interest Bearing Deposits	6,121	5,944	4,959	5,089	4,808	5,609
Non-Interest Bearing Deposits	6,041	5,462	3,770	2,773	2,892	2,616
Total Deposits	12,162	11,406	8,729	7,862	7,700	8,225
Short-Term Borrowings	49.41	-	-	-	-	198.56
Current Income Taxes Payable	57.76	45.03	-	-	-	-
Accrued Interest Payable	131.56	97.93	79.55	30.3	12.51	26.59
Other Current Liabilities	279.72	249.64	246.03	307.91	302.2	321.31
Long-Term Leases	2.38	2.54	1.95	3.69	5.24	-
Pension & Post-Retirement Benefits	24.32	24.47	21.4	19.85	18.87	20.87
Long-Term Deferred Tax Liabilities	1.21	0.74	-	-	-	-
Other Long-Term Liabilities	37.18	38.4	27.57	22.33	24.44	30.01
Total Liabilities	12,763	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	3,297	3,471	3,253	2,943	2,830	2,714
Comprehensive Income & Other	582.31	515.17	388.25	383.71	372.62	135.63
Shareholders' Equity	5,879	5,986	5,641	5,327	5,051	4,697
Total Liabilities & Equity	18,642	17,880	14,777	13,605	13,142	13,546
Total Debt	51.79	2.54	1.95	3.69	5.24	198.56
Net Cash (Debt)	3,861	5,325	3,972	3,979	3,620	3,473
Net Cash Growth	7.74%	34.09%	-0.19%	9.92%	4.25%	-12.82%
Net Cash Per Share	1.93	2.66	1.99	2.07	1.88	1.74
Filing Date Shares Outstanding	2,000	2,000	2,000	2,000	2,000	2,000
Total Common Shares Outstanding	2,000	2,000	2,000	2,000	2,000	2,000
Book Value Per Share	2.94	2.99	2.82	2.66	2.53	2.35
Tangible Book Value	5,879	5,986	5,641	5,327	5,051	4,697
Tangible Book Value Per Share	2.94	2.99	2.82	2.66	2.53	2.35

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