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
Operations
Operating Cash Flow	-4.41B	-3.10B	-2.77B	-2.49B	-1.04B
Free Cash Flow	-4.50B	-3.20B	-2.88B	-2.57B	-1.09B
Capital Expenditures	-91.47M	-100.58M	-106.69M	-83.69M	-55.71M
Investing & Financing
Investing Cash Flow	-1.03B	-1.38B	-1.84B	-2.15B	0.75B
Financing Cash Flow	4.93B	6.86B	2.87B	3.39B	2.43B
Dividends Paid	-387.06M	-306.67M	-75.53M	-75.53M	-75.53M
Share Repurchase	—	-1.29B	—	—	—
Operating Activities
Operating Cash Flow	-4.41B	-3.10B	-2.77B	-2.49B	-1.04B
Net Income	1.21B	0.85B	0.73B	0.34B	0.12B
Change in Income Taxes	-84.54M	—	—	—	—
Change in Other Net Operating Assets	-6.16B	-4.71B	-4.41B	-3.75B	-1.98B
Net Increase (Decrease) in Deposit Accounts	5.22B	7.19B	2.84B	3.54B	2.43B
Other Operating Activities	20.76M	24.85M	19.79M	6.67M	-0.63M
Provision for Credit Losses	572.46M	687.16M	854.38M	890.17M	841.76M
Depreciation & Amortization	68.15M	54.55M	34.13M	33.62M	28.60M
Cash Income Tax Paid	84.54M	—	—	—	—
Investing Activities
Investing Cash Flow	-1.03B	-1.38B	-1.84B	-2.15B	0.75B
Capital Expenditures	-91.47M	-100.58M	-106.69M	-83.69M	-55.71M
Investment in Securities	-0.94B	-1.28B	-1.74B	-2.06B	0.80B
Sale of Property, Plant and Equipment	161.00K	176.00K	15.00K	153.00K	—
Gain (Loss) on Sale of Assets	-161.00K	-176.00K	-15.00K	-153.00K	—
Gain (Loss) on Sale of Investments	-26.87M	-3.76M	9.82M	-10.05M	-40.71M
Financing Activities
Financing Cash Flow	4.93B	6.86B	2.87B	3.39B	2.43B
Common Dividends Paid	-387.06M	-306.67M	-75.53M	-75.53M	-75.53M
Issuance of Common Stock	—	1.01B	—	—	—
Repurchase of Common Stock	—	-1.29B	—	—	—
Long-Term Debt Issued	91.83M	440.76M	550.95M	440.76M	440.76M
Long-Term Debt Repaid	—	-183.65M	-440.76M	-514.22M	-367.30M
Net Debt Issued (Repaid)	91.83M	257.11M	110.19M	-73.46M	73.46M
Other Financing Activities	—	-824.00K	—	—	—
Free Cash Flow & Returns
Free Cash Flow	-4.50B	-3.20B	-2.88B	-2.57B	-1.09B
Free Cash Flow Margin	-213.2%	-183.1%	-201.9%	-280.1%	-181.5%
Free Cash Flow Per Share	-1.74	-1.24	-1.11	-1.16	-0.49
Net Cash Flow	-0.51B	2.38B	-1.74B	-1.25B	2.14B

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
Operations
Operating Cash Flow	-4.41B	-3.10B	-2.77B	-2.49B	-1.04B
Free Cash Flow	-4.50B	-3.20B	-2.88B	-2.57B	-1.09B
Capital Expenditures	-91.47M	-100.58M	-106.69M	-83.69M	-55.71M
Investing & Financing
Investing Cash Flow	-1.03B	-1.38B	-1.84B	-2.15B	0.75B
Financing Cash Flow	4.93B	6.86B	2.87B	3.39B	2.43B
Dividends Paid	-387.06M	-306.67M	-75.53M	-75.53M	-75.53M
Share Repurchase	—	-1.29B	—	—	—
Operating Activities
Operating Cash Flow	-4.41B	-3.10B	-2.77B	-2.49B	-1.04B
Net Income	1.21B	0.85B	0.73B	0.34B	0.12B
Change in Income Taxes	-84.54M	—	—	—	—
Change in Other Net Operating Assets	-6.16B	-4.71B	-4.41B	-3.75B	-1.98B
Net Increase (Decrease) in Deposit Accounts	5.22B	7.19B	2.84B	3.54B	2.43B
Other Operating Activities	20.76M	24.85M	19.79M	6.67M	-0.63M
Provision for Credit Losses	572.46M	687.16M	854.38M	890.17M	841.76M
Depreciation & Amortization	68.15M	54.55M	34.13M	33.62M	28.60M
Cash Income Tax Paid	84.54M	—	—	—	—
Investing Activities
Investing Cash Flow	-1.03B	-1.38B	-1.84B	-2.15B	0.75B
Capital Expenditures	-91.47M	-100.58M	-106.69M	-83.69M	-55.71M
Investment in Securities	-0.94B	-1.28B	-1.74B	-2.06B	0.80B
Sale of Property, Plant and Equipment	161.00K	176.00K	15.00K	153.00K	—
Gain (Loss) on Sale of Assets	-161.00K	-176.00K	-15.00K	-153.00K	—
Gain (Loss) on Sale of Investments	-26.87M	-3.76M	9.82M	-10.05M	-40.71M
Financing Activities
Financing Cash Flow	4.93B	6.86B	2.87B	3.39B	2.43B
Common Dividends Paid	-387.06M	-306.67M	-75.53M	-75.53M	-75.53M
Issuance of Common Stock	—	1.01B	—	—	—
Repurchase of Common Stock	—	-1.29B	—	—	—
Long-Term Debt Issued	91.83M	440.76M	550.95M	440.76M	440.76M
Long-Term Debt Repaid	—	-183.65M	-440.76M	-514.22M	-367.30M
Net Debt Issued (Repaid)	91.83M	257.11M	110.19M	-73.46M	73.46M
Other Financing Activities	—	-824.00K	—	—	—
Free Cash Flow & Returns
Free Cash Flow	-4.50B	-3.20B	-2.88B	-2.57B	-1.09B
Free Cash Flow Margin	-213.2%	-183.1%	-201.9%	-280.1%	-181.5%
Free Cash Flow Per Share	-1.74	-1.24	-1.11	-1.16	-0.49
Net Cash Flow	-0.51B	2.38B	-1.74B	-1.25B	2.14B