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

ADX:NBQ Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	1,054	977.65	913.21	776.42	462.48	326.95
Interest Paid on Deposits	406.84	325.95	256.56	170.92	64.01	49.8
Net Interest Income	646.97	651.7	656.65	605.51	398.47	277.15
Net Interest Income Growth	1.69%	-0.75%	8.45%	51.96%	43.77%	-15.96%
Gain (Loss) on Sale of Investments	72.21	62.7	55.11	52.61	39.16	34.1
Other Non-Interest Income	86.95	189.31	123.48	126.13	97.37	81.62
Total Non-Interest Income	159.16	252.01	178.59	178.74	136.54	115.72
Non-Interest Income Growth	-37.39%	41.12%	-0.09%	30.91%	17.98%	-19.46%
Revenues Before Loan Losses	806.13	903.71	835.23	784.25	535	392.88
Provision for Loan Losses	38.47	59.56	104.36	115.04	15.72	-8.26
Revenue	767.66	844.15	730.87	669.21	519.28	401.13
Revenue Growth	-6.81%	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	40.85	21.39	16.37	19.02	35.23	30.7
Total Non-Interest Expense	231.06	211.85	180.09	166.6	154.76	136.97
EBT Excluding Unusual Items	536.61	632.3	550.78	502.61	364.52	264.17
Pretax Income	536.61	632.3	550.78	502.61	364.52	264.17
Income Tax Expense	42.14	51.55	44.76	-	-	-
Net Income	494.46	580.75	506.03	502.61	364.52	264.17
Net Income to Common	494.46	580.75	506.03	502.61	364.52	264.17
Net Income Growth	-13.35%	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	-	-	-	3.89%	-	-3.75%
EPS (Basic)	0.25	0.29	0.25	0.25	0.19	0.14
EPS (Diluted)	0.25	0.29	0.25	0.25	0.19	0.14
EPS Growth	-13.35%	14.77%	0.68%	32.72%	37.99%	29.60%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
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%	0%
Effective Tax Rate	7.85%	8.15%	8.13%	-	-	-

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 2, 2026

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