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
Operating Summary
Revenue	2.11B	1.75B	1.42B	0.92B	0.60B
Interest Income	3.43B	3.33B	2.93B	1.70B	1.21B
Interest Expense	1.54B	1.54B	1.23B	0.48B	0.27B
Pretax Income	1.33B	0.93B	0.73B	0.34B	0.12B
Income Tax	119.84M	84.72M	—	—	—
Net Income	1.21B	0.75B	0.65B	0.26B	0.04B
Net Interest Income	1.89B	1.79B	1.70B	1.22B	0.94B
Non-Interest Income	773.05M	647.69M	578.11M	593.41M	500.79M
Non-Interest Expense	784.90M	810.36M	698.89M	578.17M	486.28M
Loan Loss Provisions	552.21M	690.04M	859.00M	896.04M	840.40M
EPS (Basic)	0.47	0.29	0.25	0.12	0.02
EPS (Diluted)	0.47	0.29	0.25	0.12	0.02
DPS	0.20	0.15	0.10	—	—
Margins & Efficiency
Net Margin %	+57.1%	+43.2%	+45.6%	+28.8%	+6.6%
Revenue & Income
Revenue	2.11B	1.75B	1.42B	0.92B	0.60B
Revenue	2.11B	1.75B	1.42B	0.92B	0.60B
Revenue Growth (YoY)	+20.9%	+22.6%	+55.0%	+52.7%	+3,723.9%
Revenues Before Loan Losses	2.66B	2.44B	2.28B	1.81B	1.44B
Interest Income on Loans	3.43B	3.33B	2.93B	1.70B	1.21B
Net Interest Income	1.89B	1.79B	1.70B	1.22B	0.94B
Net Interest Income Growth (YoY)	+5.7%	+4.9%	+39.6%	+29.8%	-0.8%
Non-Interest Income Growth (YoY)	+19.4%	+12.0%	-2.6%	+18.5%	+14.7%
Total Non-Interest Income	773.05M	647.69M	578.11M	593.41M	500.79M
Other Non-Interest Income	763.97M	641.86M	582.26M	574.65M	458.50M
Gain (Loss) on Sale of Investments	9.08M	5.84M	-4.16M	18.77M	42.29M
Expenses & Provisions
Interest Paid on Deposits	1.54B	1.54B	1.23B	0.48B	0.27B
Total Non-Interest Expense	784.90M	810.36M	698.89M	578.17M	486.28M
Other Non-Interest Expense	263.60M	306.54M	260.73M	213.79M	170.54M
Provision for Loan Losses	552.21M	690.04M	859.00M	896.04M	840.40M
Salaries and Employee Benefits	453.14M	449.28M	404.03M	330.76M	287.15M
Occupancy Expenses	68.15M	54.55M	34.13M	33.62M	28.60M
Profitability & Returns
EBT Excluding Unusual Items	1.33B	0.93B	0.73B	0.34B	0.12B
Pretax Income	1.33B	0.93B	0.73B	0.34B	0.12B
Profit Margin	+57.1%	+43.2%	+45.6%	+28.8%	+6.6%
Net Income	1.21B	0.85B	0.73B	0.34B	0.12B
Net Income to Common	1.21B	0.75B	0.65B	0.26B	0.04B
Net Income Growth	+41.8%	+17.2%	+113.0%	+195.3%	—
Income Tax Expense	119.84M	84.72M	—	—	—
Effective Tax Rate	+9.0%	+9.1%	—	—	—
Per Share & Capital
EPS (Basic)	0.47	0.29	0.25	0.12	0.02
EPS (Diluted)	0.47	0.29	0.25	0.12	0.02
EPS Growth	+59.7%	+16.2%	+111.5%	+566.4%	—
Dividend Per Share	0.20	0.15	0.10	—	—
Shares Change (YoY)	—	—	0.16	—	—
Shares Outstanding (Basic)	2.58B	2.58B	2.58B	2.23B	2.23B
Shares Outstanding (Diluted)	2.58B	2.58B	2.58B	2.23B	2.23B
Dividend Growth	+33.3%	+57.6%	—	—	—
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
Payout Ratio	+32.1%	+36.1%	+10.4%	+22.2%	+65.5%
Preferred Dividends & Other Adjustments	—	95.50M	75.50M	75.50M	75.50M

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
Operating Summary
Revenue	2.11B	1.75B	1.42B	0.92B	0.60B
Interest Income	3.43B	3.33B	2.93B	1.70B	1.21B
Interest Expense	1.54B	1.54B	1.23B	0.48B	0.27B
Pretax Income	1.33B	0.93B	0.73B	0.34B	0.12B
Income Tax	119.84M	84.72M	—	—	—
Net Income	1.21B	0.75B	0.65B	0.26B	0.04B
Net Interest Income	1.89B	1.79B	1.70B	1.22B	0.94B
Non-Interest Income	773.05M	647.69M	578.11M	593.41M	500.79M
Non-Interest Expense	784.90M	810.36M	698.89M	578.17M	486.28M
Loan Loss Provisions	552.21M	690.04M	859.00M	896.04M	840.40M
EPS (Basic)	0.47	0.29	0.25	0.12	0.02
EPS (Diluted)	0.47	0.29	0.25	0.12	0.02
DPS	0.20	0.15	0.10	—	—
Margins & Efficiency
Net Margin %	+57.1%	+43.2%	+45.6%	+28.8%	+6.6%
Revenue & Income
Revenue	2.11B	1.75B	1.42B	0.92B	0.60B
Revenue	2.11B	1.75B	1.42B	0.92B	0.60B
Revenue Growth (YoY)	+20.9%	+22.6%	+55.0%	+52.7%	+3,723.9%
Revenues Before Loan Losses	2.66B	2.44B	2.28B	1.81B	1.44B
Interest Income on Loans	3.43B	3.33B	2.93B	1.70B	1.21B
Net Interest Income	1.89B	1.79B	1.70B	1.22B	0.94B
Net Interest Income Growth (YoY)	+5.7%	+4.9%	+39.6%	+29.8%	-0.8%
Non-Interest Income Growth (YoY)	+19.4%	+12.0%	-2.6%	+18.5%	+14.7%
Total Non-Interest Income	773.05M	647.69M	578.11M	593.41M	500.79M
Other Non-Interest Income	763.97M	641.86M	582.26M	574.65M	458.50M
Gain (Loss) on Sale of Investments	9.08M	5.84M	-4.16M	18.77M	42.29M
Expenses & Provisions
Interest Paid on Deposits	1.54B	1.54B	1.23B	0.48B	0.27B
Total Non-Interest Expense	784.90M	810.36M	698.89M	578.17M	486.28M
Other Non-Interest Expense	263.60M	306.54M	260.73M	213.79M	170.54M
Provision for Loan Losses	552.21M	690.04M	859.00M	896.04M	840.40M
Salaries and Employee Benefits	453.14M	449.28M	404.03M	330.76M	287.15M
Occupancy Expenses	68.15M	54.55M	34.13M	33.62M	28.60M
Profitability & Returns
EBT Excluding Unusual Items	1.33B	0.93B	0.73B	0.34B	0.12B
Pretax Income	1.33B	0.93B	0.73B	0.34B	0.12B
Profit Margin	+57.1%	+43.2%	+45.6%	+28.8%	+6.6%
Net Income	1.21B	0.85B	0.73B	0.34B	0.12B
Net Income to Common	1.21B	0.75B	0.65B	0.26B	0.04B
Net Income Growth	+41.8%	+17.2%	+113.0%	+195.3%	—
Income Tax Expense	119.84M	84.72M	—	—	—
Effective Tax Rate	+9.0%	+9.1%	—	—	—
Per Share & Capital
EPS (Basic)	0.47	0.29	0.25	0.12	0.02
EPS (Diluted)	0.47	0.29	0.25	0.12	0.02
EPS Growth	+59.7%	+16.2%	+111.5%	+566.4%	—
Dividend Per Share	0.20	0.15	0.10	—	—
Shares Change (YoY)	—	—	0.16	—	—
Shares Outstanding (Basic)	2.58B	2.58B	2.58B	2.23B	2.23B
Shares Outstanding (Diluted)	2.58B	2.58B	2.58B	2.23B	2.23B
Dividend Growth	+33.3%	+57.6%	—	—	—
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
Payout Ratio	+32.1%	+36.1%	+10.4%	+22.2%	+65.5%
Preferred Dividends & Other Adjustments	—	95.50M	75.50M	75.50M	75.50M