National Bank of Umm Al Qaiwain

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Assets
Cash & Equivalents	3.87B	3.09B	5.06B	5.15B	3.91B
Total Assets	23.20B	22.89B	21.80B	20.16B	18.64B
Investment Securities	3.39B	3.11B	2.93B	2.49B	2.16B
Gross Loans	8.44B	9.15B	8.80B	8.48B	8.39B
Net Loans	8.34B	9.06B	8.71B	8.36B	8.22B
Allowance for Loan Losses	-94.26M	-86.54M	-82.24M	-124.94M	-178.30M
Liabilities
Total Deposits	16.33B	15.70B	14.73B	13.32B	12.16B
Interest-Bearing Deposits	8.55B	8.56B	8.33B	6.69B	6.12B
Non-Interest-Bearing Deposits	7.78B	7.15B	6.40B	6.63B	6.04B
Total Debt	21.55M	1.74M	101.97M	2.01M	51.79M
Total Liabilities	16.95B	16.34B	15.40B	13.93B	12.76B
Equity & Ownership
Total Equity	6.25B	6.55B	6.40B	6.23B	5.88B
Shares Outstanding	2,000,000,000	2,000,000,000	2,000,000,000	2,000,000,000	2,000,000,000
Cash & Assets
Total Assets	23.20B	22.89B	21.80B	20.16B	18.64B
Cash & Equivalents	3.87B	3.09B	5.06B	5.15B	3.91B
Net Cash (Debt)	3.85B	3.09B	4.96B	5.15B	3.86B
Net Cash Per Share	1.92	1.54	2.63	2.58	1.93
Net Cash Growth	-0.3%	-42.0%	+14.7%	+51.7%	+7.7%
Other Receivables	5.86B	6.02B	3.58B	2.55B	2.89B
Restricted Cash	1.19B	1.09B	1.03B	1.06B	0.93B
Property, Plant & Equipment	65.27M	69.51M	71.33M	73.68M	71.69M
Other Current Assets	234.48M	248.29M	243.35M	226.09M	238.07M
Other Long-Term Assets	53.70M	5.04M	4.87M	100.40M	70.68M
Long-Term Leases	1.55M	1.74M	1.97M	2.01M	2.38M
Loans & Investments
Gross Loans	8.44B	9.15B	8.80B	8.48B	8.39B
Net Loans	8.34B	9.06B	8.71B	8.36B	8.22B
Allowance for Loan Losses	-94.26M	-86.54M	-82.24M	-124.94M	-178.30M
Investment Securities	3.39B	3.11B	2.93B	2.49B	2.16B
Total Investments	3.39B	3.11B	2.93B	2.49B	2.16B
Liabilities & Obligations
Total Liabilities	16.95B	16.34B	15.40B	13.93B	12.76B
Total Liabilities & Equity	23.20B	22.89B	21.80B	20.16B	18.64B
Accounts Payable	25.77M	27.19M	26.54M	23.76M	14.25M
Accrued Expenses	6.44M	4.31M	4.40M	5.22M	3.35M
Accrued Interest Payable	146.48M	122.09M	103.96M	134.65M	131.56M
Accrued Interest Receivable	150.38M	133.59M	112.31M	87.68M	79.90M
Current Income Taxes Payable	60.62M	51.55M	39.92M	70.13M	57.76M
Other Current Liabilities	295.46M	362.20M	326.98M	309.22M	279.72M
Other Long-Term Liabilities	38.87M	41.00M	39.14M	36.66M	37.18M
Pension & Post-Retirement Benefits	26.80M	26.25M	26.85M	24.35M	24.32M
Long-Term Deferred Tax Liabilities	0.18M	1.42M	1.19M	1.19M	1.21M
Debt & Funding
Total Debt	21.55M	1.74M	101.97M	2.01M	51.79M
Long-Term Debt	—	—	—	—	—
Short-Term Borrowings	20.00M	—	100.00M	—	49.41M
Total Deposits	16.33B	15.70B	14.73B	13.32B	12.16B
Interest Bearing Deposits	8.55B	8.56B	8.33B	6.69B	6.12B
Non-Interest Bearing Deposits	7.78B	7.15B	6.40B	6.63B	6.04B
Equity & Book Value
Shareholders' Equity	6.25B	6.55B	6.40B	6.23B	5.88B
Common Stock	2.00B	2.00B	2.00B	2.00B	2.00B
Retained Earnings	3.47B	3.72B	3.61B	3.43B	3.30B
Comprehensive Income & Other	776.34M	827.61M	796.60M	807.82M	582.31M
Book Value Per Share	3.13	3.28	3.20	3.12	2.94
Tangible Book Value	6.25B	6.55B	6.40B	6.23B	5.88B
Tangible Book Value Per Share	3.13	3.28	3.20	3.12	2.94
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	48.28M	56.68M	56.68M	63.38M	65.13M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Assets
Cash & Equivalents	3.87B	3.09B	5.06B	5.15B	3.91B
Total Assets	23.20B	22.89B	21.80B	20.16B	18.64B
Investment Securities	3.39B	3.11B	2.93B	2.49B	2.16B
Gross Loans	8.44B	9.15B	8.80B	8.48B	8.39B
Net Loans	8.34B	9.06B	8.71B	8.36B	8.22B
Allowance for Loan Losses	-94.26M	-86.54M	-82.24M	-124.94M	-178.30M
Liabilities
Total Deposits	16.33B	15.70B	14.73B	13.32B	12.16B
Interest-Bearing Deposits	8.55B	8.56B	8.33B	6.69B	6.12B
Non-Interest-Bearing Deposits	7.78B	7.15B	6.40B	6.63B	6.04B
Total Debt	21.55M	1.74M	101.97M	2.01M	51.79M
Total Liabilities	16.95B	16.34B	15.40B	13.93B	12.76B
Equity & Ownership
Total Equity	6.25B	6.55B	6.40B	6.23B	5.88B
Shares Outstanding	2,000,000,000	2,000,000,000	2,000,000,000	2,000,000,000	2,000,000,000
Cash & Assets
Total Assets	23.20B	22.89B	21.80B	20.16B	18.64B
Cash & Equivalents	3.87B	3.09B	5.06B	5.15B	3.91B
Net Cash (Debt)	3.85B	3.09B	4.96B	5.15B	3.86B
Net Cash Per Share	1.92	1.54	2.63	2.58	1.93
Net Cash Growth	-0.3%	-42.0%	+14.7%	+51.7%	+7.7%
Other Receivables	5.86B	6.02B	3.58B	2.55B	2.89B
Restricted Cash	1.19B	1.09B	1.03B	1.06B	0.93B
Property, Plant & Equipment	65.27M	69.51M	71.33M	73.68M	71.69M
Other Current Assets	234.48M	248.29M	243.35M	226.09M	238.07M
Other Long-Term Assets	53.70M	5.04M	4.87M	100.40M	70.68M
Long-Term Leases	1.55M	1.74M	1.97M	2.01M	2.38M
Loans & Investments
Gross Loans	8.44B	9.15B	8.80B	8.48B	8.39B
Net Loans	8.34B	9.06B	8.71B	8.36B	8.22B
Allowance for Loan Losses	-94.26M	-86.54M	-82.24M	-124.94M	-178.30M
Investment Securities	3.39B	3.11B	2.93B	2.49B	2.16B
Total Investments	3.39B	3.11B	2.93B	2.49B	2.16B
Liabilities & Obligations
Total Liabilities	16.95B	16.34B	15.40B	13.93B	12.76B
Total Liabilities & Equity	23.20B	22.89B	21.80B	20.16B	18.64B
Accounts Payable	25.77M	27.19M	26.54M	23.76M	14.25M
Accrued Expenses	6.44M	4.31M	4.40M	5.22M	3.35M
Accrued Interest Payable	146.48M	122.09M	103.96M	134.65M	131.56M
Accrued Interest Receivable	150.38M	133.59M	112.31M	87.68M	79.90M
Current Income Taxes Payable	60.62M	51.55M	39.92M	70.13M	57.76M
Other Current Liabilities	295.46M	362.20M	326.98M	309.22M	279.72M
Other Long-Term Liabilities	38.87M	41.00M	39.14M	36.66M	37.18M
Pension & Post-Retirement Benefits	26.80M	26.25M	26.85M	24.35M	24.32M
Long-Term Deferred Tax Liabilities	0.18M	1.42M	1.19M	1.19M	1.21M
Debt & Funding
Total Debt	21.55M	1.74M	101.97M	2.01M	51.79M
Long-Term Debt	—	—	—	—	—
Short-Term Borrowings	20.00M	—	100.00M	—	49.41M
Total Deposits	16.33B	15.70B	14.73B	13.32B	12.16B
Interest Bearing Deposits	8.55B	8.56B	8.33B	6.69B	6.12B
Non-Interest Bearing Deposits	7.78B	7.15B	6.40B	6.63B	6.04B
Equity & Book Value
Shareholders' Equity	6.25B	6.55B	6.40B	6.23B	5.88B
Common Stock	2.00B	2.00B	2.00B	2.00B	2.00B
Retained Earnings	3.47B	3.72B	3.61B	3.43B	3.30B
Comprehensive Income & Other	776.34M	827.61M	796.60M	807.82M	582.31M
Book Value Per Share	3.13	3.28	3.20	3.12	2.94
Tangible Book Value	6.25B	6.55B	6.40B	6.23B	5.88B
Tangible Book Value Per Share	3.13	3.28	3.20	3.12	2.94
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	48.28M	56.68M	56.68M	63.38M	65.13M