National Bank of Umm Al Qaiwain

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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	3.09B	5.33B	3.97B	1.42B	3.63B
Total Assets	22.89B	17.88B	14.78B	13.61B	13.14B
Investment Securities	3.11B	1.74B	1.44B	3.90B	1.13B
Gross Loans	9.15B	7.96B	7.17B	7.77B	6.89B
Net Loans	9.06B	7.78B	6.99B	7.43B	6.59B
Allowance for Loan Losses	-86.54M	-184.92M	-181.81M	-334.95M	-301.56M
Liabilities
Total Deposits	15.70B	11.41B	8.73B	7.86B	7.70B
Interest-Bearing Deposits	8.56B	5.94B	4.96B	5.09B	4.81B
Non-Interest-Bearing Deposits	7.15B	5.46B	3.77B	2.77B	2.89B
Total Debt	1.74M	2.54M	1.95M	3.69M	5.24M
Total Liabilities	16.34B	11.89B	9.14B	8.28B	8.09B
Equity & Ownership
Total Equity	6.55B	5.99B	5.64B	5.33B	5.05B
Shares Outstanding	2,000,000,000	2,000,000,000	2,000,000,000	2,000,000,000	1,999,998,000
Cash & Assets
Total Assets	22.89B	17.88B	14.78B	13.61B	13.14B
Cash & Equivalents	3.09B	5.33B	3.97B	1.42B	3.63B
Net Cash (Debt)	3.09B	5.33B	3.97B	3.98B	3.62B
Net Cash Per Share	1.54	2.66	1.99	2.07	1.88
Net Cash Growth	-42.0%	+34.1%	-0.2%	+9.9%	+4.2%
Other Receivables	6.02B	1.83B	1.48B	—	0.90B
Restricted Cash	1.09B	0.76B	0.48B	0.30B	0.35B
Property, Plant & Equipment	69.51M	72.32M	71.47M	73.83M	85.53M
Other Current Assets	248.29M	204.80M	198.42M	267.63M	245.53M
Other Long-Term Assets	5.04M	19.29M	5.17M	10.36M	4.12M
Long-Term Leases	1.74M	2.54M	1.95M	3.69M	5.24M
Loans & Investments
Gross Loans	9.15B	7.96B	7.17B	7.77B	6.89B
Net Loans	9.06B	7.78B	6.99B	7.43B	6.59B
Allowance for Loan Losses	-86.54M	-184.92M	-181.81M	-334.95M	-301.56M
Investment Securities	3.11B	1.74B	1.44B	3.90B	1.13B
Total Investments	3.11B	1.74B	1.44B	3.90B	1.13B
Liabilities & Obligations
Total Liabilities	16.34B	11.89B	9.14B	8.28B	8.09B
Total Liabilities & Equity	22.89B	17.88B	14.78B	13.61B	13.14B
Accounts Payable	27.19M	28.06M	29.15M	30.67M	26.63M
Accrued Expenses	4.31M	1.92M	1.10M	1.38M	1.28M
Accrued Interest Payable	122.09M	97.93M	79.55M	30.30M	12.51M
Accrued Interest Receivable	133.59M	91.11M	55.42M	40.62M	32.62M
Current Income Taxes Payable	51.55M	45.03M	—	—	—
Other Current Liabilities	362.20M	249.64M	246.03M	307.91M	302.20M
Other Long-Term Liabilities	41.00M	38.40M	27.57M	22.33M	24.44M
Pension & Post-Retirement Benefits	26.25M	24.47M	21.40M	19.85M	18.87M
Long-Term Deferred Tax Liabilities	1.42M	0.74M	—	—	—
Debt & Funding
Total Debt	1.74M	2.54M	1.95M	3.69M	5.24M
Total Deposits	15.70B	11.41B	8.73B	7.86B	7.70B
Interest Bearing Deposits	8.56B	5.94B	4.96B	5.09B	4.81B
Non-Interest Bearing Deposits	7.15B	5.46B	3.77B	2.77B	2.89B
Equity & Book Value
Shareholders' Equity	6.55B	5.99B	5.64B	5.33B	5.05B
Common Stock	2.00B	2.00B	2.00B	2.00B	1.85B
Retained Earnings	3.72B	3.47B	3.25B	2.94B	2.83B
Comprehensive Income & Other	827.61M	515.17M	388.25M	383.71M	372.62M
Book Value Per Share	3.28	2.99	2.82	2.66	2.53
Tangible Book Value	6.55B	5.99B	5.64B	5.33B	5.05B
Tangible Book Value Per Share	3.28	2.99	2.82	2.66	2.53
Filing Date Shares Outstanding	2.00B	2.00B	2.00B	2.00B	2.00B
Total Common Shares Outstanding	2.00B	2.00B	2.00B	2.00B	2.00B
Supplemental
Other Real Estate Owned & Foreclosed	56.68M	65.13M	78.80M	155.52M	178.36M

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	3.09B	5.33B	3.97B	1.42B	3.63B
Total Assets	22.89B	17.88B	14.78B	13.61B	13.14B
Investment Securities	3.11B	1.74B	1.44B	3.90B	1.13B
Gross Loans	9.15B	7.96B	7.17B	7.77B	6.89B
Net Loans	9.06B	7.78B	6.99B	7.43B	6.59B
Allowance for Loan Losses	-86.54M	-184.92M	-181.81M	-334.95M	-301.56M
Liabilities
Total Deposits	15.70B	11.41B	8.73B	7.86B	7.70B
Interest-Bearing Deposits	8.56B	5.94B	4.96B	5.09B	4.81B
Non-Interest-Bearing Deposits	7.15B	5.46B	3.77B	2.77B	2.89B
Total Debt	1.74M	2.54M	1.95M	3.69M	5.24M
Total Liabilities	16.34B	11.89B	9.14B	8.28B	8.09B
Equity & Ownership
Total Equity	6.55B	5.99B	5.64B	5.33B	5.05B
Shares Outstanding	2,000,000,000	2,000,000,000	2,000,000,000	2,000,000,000	1,999,998,000
Cash & Assets
Total Assets	22.89B	17.88B	14.78B	13.61B	13.14B
Cash & Equivalents	3.09B	5.33B	3.97B	1.42B	3.63B
Net Cash (Debt)	3.09B	5.33B	3.97B	3.98B	3.62B
Net Cash Per Share	1.54	2.66	1.99	2.07	1.88
Net Cash Growth	-42.0%	+34.1%	-0.2%	+9.9%	+4.2%
Other Receivables	6.02B	1.83B	1.48B	—	0.90B
Restricted Cash	1.09B	0.76B	0.48B	0.30B	0.35B
Property, Plant & Equipment	69.51M	72.32M	71.47M	73.83M	85.53M
Other Current Assets	248.29M	204.80M	198.42M	267.63M	245.53M
Other Long-Term Assets	5.04M	19.29M	5.17M	10.36M	4.12M
Long-Term Leases	1.74M	2.54M	1.95M	3.69M	5.24M
Loans & Investments
Gross Loans	9.15B	7.96B	7.17B	7.77B	6.89B
Net Loans	9.06B	7.78B	6.99B	7.43B	6.59B
Allowance for Loan Losses	-86.54M	-184.92M	-181.81M	-334.95M	-301.56M
Investment Securities	3.11B	1.74B	1.44B	3.90B	1.13B
Total Investments	3.11B	1.74B	1.44B	3.90B	1.13B
Liabilities & Obligations
Total Liabilities	16.34B	11.89B	9.14B	8.28B	8.09B
Total Liabilities & Equity	22.89B	17.88B	14.78B	13.61B	13.14B
Accounts Payable	27.19M	28.06M	29.15M	30.67M	26.63M
Accrued Expenses	4.31M	1.92M	1.10M	1.38M	1.28M
Accrued Interest Payable	122.09M	97.93M	79.55M	30.30M	12.51M
Accrued Interest Receivable	133.59M	91.11M	55.42M	40.62M	32.62M
Current Income Taxes Payable	51.55M	45.03M	—	—	—
Other Current Liabilities	362.20M	249.64M	246.03M	307.91M	302.20M
Other Long-Term Liabilities	41.00M	38.40M	27.57M	22.33M	24.44M
Pension & Post-Retirement Benefits	26.25M	24.47M	21.40M	19.85M	18.87M
Long-Term Deferred Tax Liabilities	1.42M	0.74M	—	—	—
Debt & Funding
Total Debt	1.74M	2.54M	1.95M	3.69M	5.24M
Total Deposits	15.70B	11.41B	8.73B	7.86B	7.70B
Interest Bearing Deposits	8.56B	5.94B	4.96B	5.09B	4.81B
Non-Interest Bearing Deposits	7.15B	5.46B	3.77B	2.77B	2.89B
Equity & Book Value
Shareholders' Equity	6.55B	5.99B	5.64B	5.33B	5.05B
Common Stock	2.00B	2.00B	2.00B	2.00B	1.85B
Retained Earnings	3.72B	3.47B	3.25B	2.94B	2.83B
Comprehensive Income & Other	827.61M	515.17M	388.25M	383.71M	372.62M
Book Value Per Share	3.28	2.99	2.82	2.66	2.53
Tangible Book Value	6.55B	5.99B	5.64B	5.33B	5.05B
Tangible Book Value Per Share	3.28	2.99	2.82	2.66	2.53
Filing Date Shares Outstanding	2.00B	2.00B	2.00B	2.00B	2.00B
Total Common Shares Outstanding	2.00B	2.00B	2.00B	2.00B	2.00B
Supplemental
Other Real Estate Owned & Foreclosed	56.68M	65.13M	78.80M	155.52M	178.36M