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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	5,060	5,328	3,974	1,422	3,625	3,671
Investment Securities	2,931	1,739	1,443	3,899	1,133	944.34
Total Investments	2,931	1,739	1,443	3,899	1,133	944.34
Gross Loans	8,796	7,961	7,173	7,769	6,890	7,992
Allowance for Loan Losses	-82.24	-184.92	-181.81	-334.95	-301.56	-352.18
Net Loans	8,714	7,776	6,991	7,434	6,589	7,640
Property, Plant & Equipment	71.33	72.32	71.47	73.83	85.53	86.36
Accrued Interest Receivable	112.31	91.11	55.42	40.62	32.62	39.11
Other Receivables	3,577	1,835	1,478	-	902.97	475
Restricted Cash	1,030	755.04	482.92	302.43	345.64	311.91
Other Current Assets	243.35	204.8	198.42	267.63	245.53	185.36
Other Real Estate Owned & Foreclosed	56.68	65.13	78.8	155.52	178.36	63.73
Other Long-Term Assets	4.87	14.32	5.17	10.36	4.12	129.45
Total Assets	21,801	17,880	14,777	13,605	13,142	13,546
Accounts Payable	26.54	28.06	29.15	30.67	26.63	25.64
Accrued Expenses	4.4	1.92	1.1	1.38	1.28	0.76
Interest Bearing Deposits	8,328	5,944	4,959	5,089	4,808	5,609
Non-Interest Bearing Deposits	6,400	5,462	3,770	2,773	2,892	2,616
Total Deposits	14,727	11,406	8,729	7,862	7,700	8,225
Short-Term Borrowings	100	-	-	-	-	198.56
Current Income Taxes Payable	39.92	45.03	-	-	-	-
Accrued Interest Payable	103.96	97.93	79.55	30.3	12.51	26.59
Other Current Liabilities	326.98	249.64	246.03	307.91	302.2	321.31
Long-Term Leases	1.97	2.54	1.95	3.69	5.24	-
Pension & Post-Retirement Benefits	26.85	24.47	21.4	19.85	18.87	20.87
Long-Term Deferred Tax Liabilities	1.19	0.74	-	-	-	-
Other Long-Term Liabilities	39.14	38.4	27.57	22.33	24.44	30.01
Total Liabilities	15,398	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	3,606	3,471	3,253	2,943	2,830	2,714
Comprehensive Income & Other	796.6	515.17	388.25	383.71	372.62	135.63
Shareholders' Equity	6,403	5,986	5,641	5,327	5,051	4,697
Total Liabilities & Equity	21,801	17,880	14,777	13,605	13,142	13,546
Total Debt	101.97	2.54	1.95	3.69	5.24	198.56
Net Cash (Debt)	4,958	5,325	3,972	3,979	3,620	3,473
Net Cash Growth	14.70%	34.09%	-0.19%	9.92%	4.25%	-12.82%
Net Cash Per Share	2.48	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	3.20	2.99	2.82	2.66	2.53	2.35
Tangible Book Value	6,403	5,986	5,641	5,327	5,051	4,697
Tangible Book Value Per Share	3.20	2.99	2.82	2.66	2.53	2.35

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