National Bank of Fujairah

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Assets
Cash & Equivalents	1.82B	1.38B	2.53B	4.27B	5.52B
Total Assets	69.37B	60.88B	51.72B	47.62B	42.95B
Investment Securities	22.98B	20.75B	16.06B	10.86B	6.50B
Trading Assets	196.58M	158.39M	141.25M	184.65M	184.18M
Gross Loans	39.64B	34.50B	29.64B	28.94B	27.80B
Net Loans	37.47B	32.39B	27.90B	26.91B	25.62B
Allowance for Loan Losses	-2.17B	-2.11B	-1.73B	-2.02B	-2.17B
Liabilities
Total Deposits	50.98B	45.76B	38.57B	35.74B	32.20B
Interest-Bearing Deposits	29.04B	26.56B	23.38B	20.21B	17.64B
Non-Interest-Bearing Deposits	21.94B	19.20B	15.19B	15.53B	14.56B
Total Debt	7.65B	5.46B	4.27B	3.99B	2.81B
Total Liabilities	61.62B	54.02B	45.15B	41.77B	37.27B
Equity & Ownership
Total Equity	7.75B	6.86B	6.57B	5.85B	5.68B
Shares Outstanding	2,580,412,281	2,580,412,281	2,226,000,000	2,226,000,000	2,226,000,000
Cash & Assets
Total Assets	69.37B	60.88B	51.72B	47.62B	42.95B
Cash & Equivalents	1.82B	1.38B	2.53B	4.27B	5.52B
Net Cash (Debt)	-1.18B	-0.37B	6.34B	4.97B	5.02B
Net Cash Per Share	-0.46	-0.14	2.46	2.23	2.26
Net Cash Growth	—	—	+27.4%	-1.0%	+84.3%
Other Receivables	0.99B	1.16B	0.97B	0.78B	0.64B
Restricted Cash	3.49B	2.78B	2.12B	2.51B	1.84B
Property, Plant & Equipment	263.81M	378.39M	372.86M	331.66M	316.30M
Other Intangible Assets	337.32M	199.42M	144.71M	114.47M	76.77M
Other Current Assets	1.43B	1.32B	1.09B	1.20B	1.67B
Other Long-Term Assets	60.42M	50.29M	64.05M	221.88M	433.77M
Loans & Investments
Gross Loans	39.64B	34.50B	29.64B	28.94B	27.80B
Net Loans	37.47B	32.39B	27.90B	26.91B	25.62B
Allowance for Loan Losses	-2.17B	-2.11B	-1.73B	-2.02B	-2.17B
Investment Securities	22.98B	20.75B	16.06B	10.86B	6.50B
Trading Asset Securities	196.58M	158.39M	141.25M	184.65M	184.18M
Total Investments	23.18B	20.91B	16.20B	11.04B	6.68B
Liabilities & Obligations
Total Liabilities	61.62B	54.02B	45.15B	41.77B	37.27B
Total Liabilities & Equity	69.37B	60.88B	51.72B	47.62B	42.95B
Accrued Expenses	380.80M	358.92M	236.09M	132.49M	74.81M
Accrued Interest Payable	343.04M	393.71M	409.06M	190.93M	77.50M
Accrued Interest Receivable	333.60M	317.84M	319.60M	238.94M	136.90M
Current Income Taxes Payable	120.57M	84.54M	—	—	—
Other Current Liabilities	1.42B	1.31B	1.08B	1.18B	1.66B
Other Long-Term Liabilities	633.08M	579.49M	512.42M	471.07M	394.41M
Pension & Post-Retirement Benefits	84.78M	81.62M	75.24M	67.30M	57.78M
Long-Term Deferred Tax Liabilities	7.96M	2.82M	—	—	—
Debt & Funding
Total Debt	7.65B	5.46B	4.27B	3.99B	2.81B
Current Portion of Long-Term Debt	1.89B	1.04B	—	—	0.07B
Long-Term Debt	0.90B	0.81B	1.69B	1.39B	0.98B
Short-Term Borrowings	4.86B	3.61B	2.58B	2.60B	1.75B
Total Deposits	50.98B	45.76B	38.57B	35.74B	32.20B
Interest Bearing Deposits	29.04B	26.56B	23.38B	20.21B	17.64B
Non-Interest Bearing Deposits	21.94B	19.20B	15.19B	15.53B	14.56B
Equity & Book Value
Shareholders' Equity	7.75B	6.86B	6.57B	5.85B	5.68B
Common Stock	2.58B	2.58B	2.12B	2.00B	2.00B
Retained Earnings	5.06B	4.24B	3.04B	2.33B	2.16B
Comprehensive Income & Other	0.11B	0.03B	1.40B	1.52B	1.52B
Book Value Per Share	3.00	2.66	2.95	2.63	2.55
Tangible Book Value	7.41B	6.66B	6.42B	5.74B	5.60B
Tangible Book Value Per Share	2.87	2.58	2.88	2.58	2.52
Filing Date Shares Outstanding	2.58B	2.58B	2.23B	2.23B	2.23B
Total Common Shares Outstanding	2.58B	2.58B	2.23B	2.23B	2.23B

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Assets
Cash & Equivalents	1.82B	1.38B	2.53B	4.27B	5.52B
Total Assets	69.37B	60.88B	51.72B	47.62B	42.95B
Investment Securities	22.98B	20.75B	16.06B	10.86B	6.50B
Trading Assets	196.58M	158.39M	141.25M	184.65M	184.18M
Gross Loans	39.64B	34.50B	29.64B	28.94B	27.80B
Net Loans	37.47B	32.39B	27.90B	26.91B	25.62B
Allowance for Loan Losses	-2.17B	-2.11B	-1.73B	-2.02B	-2.17B
Liabilities
Total Deposits	50.98B	45.76B	38.57B	35.74B	32.20B
Interest-Bearing Deposits	29.04B	26.56B	23.38B	20.21B	17.64B
Non-Interest-Bearing Deposits	21.94B	19.20B	15.19B	15.53B	14.56B
Total Debt	7.65B	5.46B	4.27B	3.99B	2.81B
Total Liabilities	61.62B	54.02B	45.15B	41.77B	37.27B
Equity & Ownership
Total Equity	7.75B	6.86B	6.57B	5.85B	5.68B
Shares Outstanding	2,580,412,281	2,580,412,281	2,226,000,000	2,226,000,000	2,226,000,000
Cash & Assets
Total Assets	69.37B	60.88B	51.72B	47.62B	42.95B
Cash & Equivalents	1.82B	1.38B	2.53B	4.27B	5.52B
Net Cash (Debt)	-1.18B	-0.37B	6.34B	4.97B	5.02B
Net Cash Per Share	-0.46	-0.14	2.46	2.23	2.26
Net Cash Growth	—	—	+27.4%	-1.0%	+84.3%
Other Receivables	0.99B	1.16B	0.97B	0.78B	0.64B
Restricted Cash	3.49B	2.78B	2.12B	2.51B	1.84B
Property, Plant & Equipment	263.81M	378.39M	372.86M	331.66M	316.30M
Other Intangible Assets	337.32M	199.42M	144.71M	114.47M	76.77M
Other Current Assets	1.43B	1.32B	1.09B	1.20B	1.67B
Other Long-Term Assets	60.42M	50.29M	64.05M	221.88M	433.77M
Loans & Investments
Gross Loans	39.64B	34.50B	29.64B	28.94B	27.80B
Net Loans	37.47B	32.39B	27.90B	26.91B	25.62B
Allowance for Loan Losses	-2.17B	-2.11B	-1.73B	-2.02B	-2.17B
Investment Securities	22.98B	20.75B	16.06B	10.86B	6.50B
Trading Asset Securities	196.58M	158.39M	141.25M	184.65M	184.18M
Total Investments	23.18B	20.91B	16.20B	11.04B	6.68B
Liabilities & Obligations
Total Liabilities	61.62B	54.02B	45.15B	41.77B	37.27B
Total Liabilities & Equity	69.37B	60.88B	51.72B	47.62B	42.95B
Accrued Expenses	380.80M	358.92M	236.09M	132.49M	74.81M
Accrued Interest Payable	343.04M	393.71M	409.06M	190.93M	77.50M
Accrued Interest Receivable	333.60M	317.84M	319.60M	238.94M	136.90M
Current Income Taxes Payable	120.57M	84.54M	—	—	—
Other Current Liabilities	1.42B	1.31B	1.08B	1.18B	1.66B
Other Long-Term Liabilities	633.08M	579.49M	512.42M	471.07M	394.41M
Pension & Post-Retirement Benefits	84.78M	81.62M	75.24M	67.30M	57.78M
Long-Term Deferred Tax Liabilities	7.96M	2.82M	—	—	—
Debt & Funding
Total Debt	7.65B	5.46B	4.27B	3.99B	2.81B
Current Portion of Long-Term Debt	1.89B	1.04B	—	—	0.07B
Long-Term Debt	0.90B	0.81B	1.69B	1.39B	0.98B
Short-Term Borrowings	4.86B	3.61B	2.58B	2.60B	1.75B
Total Deposits	50.98B	45.76B	38.57B	35.74B	32.20B
Interest Bearing Deposits	29.04B	26.56B	23.38B	20.21B	17.64B
Non-Interest Bearing Deposits	21.94B	19.20B	15.19B	15.53B	14.56B
Equity & Book Value
Shareholders' Equity	7.75B	6.86B	6.57B	5.85B	5.68B
Common Stock	2.58B	2.58B	2.12B	2.00B	2.00B
Retained Earnings	5.06B	4.24B	3.04B	2.33B	2.16B
Comprehensive Income & Other	0.11B	0.03B	1.40B	1.52B	1.52B
Book Value Per Share	3.00	2.66	2.95	2.63	2.55
Tangible Book Value	7.41B	6.66B	6.42B	5.74B	5.60B
Tangible Book Value Per Share	2.87	2.58	2.88	2.58	2.52
Filing Date Shares Outstanding	2.58B	2.58B	2.23B	2.23B	2.23B
Total Common Shares Outstanding	2.58B	2.58B	2.23B	2.23B	2.23B