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
Operations
Operating Cash Flow	-5.22B	-0.89B	-0.68B	0.47B	0.76B
Free Cash Flow	-5.23B	-0.92B	-0.70B	0.46B	0.75B
Capital Expenditures	-13.55M	-28.05M	-13.27M	-6.35M	-10.08M
Investing & Financing
Investing Cash Flow	-978.92M	-110.96M	-54.96M	-110.42M	70.25M
Financing Cash Flow	3.93B	2.37B	0.67B	0.01B	-0.67B
Dividends Paid	-360.00M	-300.00M	-200.00M	-147.84M	-147.84M
Operating Activities
Operating Cash Flow	-5.22B	-0.89B	-0.68B	0.47B	0.76B
Net Income	580.75M	506.03M	502.61M	364.52M	264.17M
Change in Other Net Operating Assets	-5.82B	-1.50B	-1.25B	0.11B	0.52B
Net Increase (Decrease) in Deposit Accounts	4.30B	2.68B	0.87B	0.16B	-0.52B
Other Operating Activities	-52.28M	-6.03M	-38.99M	-33.78M	-30.80M
Provision for Credit Losses	48.20M	94.45M	114.19M	14.68M	-14.26M
Depreciation & Amortization	16.30M	13.53M	15.62M	18.04M	17.51M
Cash Income Tax Paid	45.03M	—	—	—	—
Loss (Gain) on Equity Investments	257.00K	309.00K	285.00K	-11.00K	197.00K
Total Asset Writedown	11.36M	9.92M	0.85M	1.04M	—
Investing Activities
Investing Cash Flow	-978.92M	-110.96M	-54.96M	-110.42M	70.25M
Capital Expenditures	-13.55M	-28.05M	-13.27M	-6.35M	-10.08M
Investment in Securities	-1.03B	-0.15B	-0.08B	-0.14B	0.04B
Other Investing Activities	63.32M	54.41M	41.66M	36.42M	36.41M
Sale of Property, Plant and Equipment	0.01M	17.51M	0.02M	0.02M	0.44M
Gain (Loss) on Sale of Assets	-3.79M	-7.96M	-16.87M	-3.98M	0.03M
Gain (Loss) on Sale of Investments	-0.10M	-3.32M	-10.43M	-2.80M	4.23M
Financing Activities
Financing Cash Flow	3.93B	2.37B	0.67B	0.01B	-0.67B
Common Dividends Paid	-360.00M	-300.00M	-200.00M	-147.84M	-147.84M
Long-Term Debt Repaid	-1.79M	-1.78M	-0.91M	-1.65M	-1.96M
Net Debt Issued (Repaid)	-1.79M	-1.78M	-0.91M	-1.65M	-1.96M
Free Cash Flow & Returns
Free Cash Flow	-5.23B	-0.92B	-0.70B	0.46B	0.75B
Free Cash Flow Growth	—	—	—	-38.0%	+1.4%
Free Cash Flow Margin	-619.7%	-125.4%	-104.1%	+89.3%	+186.5%
Free Cash Flow Per Share	-2.62	-0.46	-0.35	0.24	0.39
Operating Cash Flow Growth	—	—	—	-38.0%	+1.9%
Net Cash Flow	-2.26B	1.38B	-0.07B	0.37B	0.15B

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	-5.22B	-0.89B	-0.68B	0.47B	0.76B
Free Cash Flow	-5.23B	-0.92B	-0.70B	0.46B	0.75B
Capital Expenditures	-13.55M	-28.05M	-13.27M	-6.35M	-10.08M
Investing & Financing
Investing Cash Flow	-978.92M	-110.96M	-54.96M	-110.42M	70.25M
Financing Cash Flow	3.93B	2.37B	0.67B	0.01B	-0.67B
Dividends Paid	-360.00M	-300.00M	-200.00M	-147.84M	-147.84M
Operating Activities
Operating Cash Flow	-5.22B	-0.89B	-0.68B	0.47B	0.76B
Net Income	580.75M	506.03M	502.61M	364.52M	264.17M
Change in Other Net Operating Assets	-5.82B	-1.50B	-1.25B	0.11B	0.52B
Net Increase (Decrease) in Deposit Accounts	4.30B	2.68B	0.87B	0.16B	-0.52B
Other Operating Activities	-52.28M	-6.03M	-38.99M	-33.78M	-30.80M
Provision for Credit Losses	48.20M	94.45M	114.19M	14.68M	-14.26M
Depreciation & Amortization	16.30M	13.53M	15.62M	18.04M	17.51M
Cash Income Tax Paid	45.03M	—	—	—	—
Loss (Gain) on Equity Investments	257.00K	309.00K	285.00K	-11.00K	197.00K
Total Asset Writedown	11.36M	9.92M	0.85M	1.04M	—
Investing Activities
Investing Cash Flow	-978.92M	-110.96M	-54.96M	-110.42M	70.25M
Capital Expenditures	-13.55M	-28.05M	-13.27M	-6.35M	-10.08M
Investment in Securities	-1.03B	-0.15B	-0.08B	-0.14B	0.04B
Other Investing Activities	63.32M	54.41M	41.66M	36.42M	36.41M
Sale of Property, Plant and Equipment	0.01M	17.51M	0.02M	0.02M	0.44M
Gain (Loss) on Sale of Assets	-3.79M	-7.96M	-16.87M	-3.98M	0.03M
Gain (Loss) on Sale of Investments	-0.10M	-3.32M	-10.43M	-2.80M	4.23M
Financing Activities
Financing Cash Flow	3.93B	2.37B	0.67B	0.01B	-0.67B
Common Dividends Paid	-360.00M	-300.00M	-200.00M	-147.84M	-147.84M
Long-Term Debt Repaid	-1.79M	-1.78M	-0.91M	-1.65M	-1.96M
Net Debt Issued (Repaid)	-1.79M	-1.78M	-0.91M	-1.65M	-1.96M
Free Cash Flow & Returns
Free Cash Flow	-5.23B	-0.92B	-0.70B	0.46B	0.75B
Free Cash Flow Growth	—	—	—	-38.0%	+1.4%
Free Cash Flow Margin	-619.7%	-125.4%	-104.1%	+89.3%	+186.5%
Free Cash Flow Per Share	-2.62	-0.46	-0.35	0.24	0.39
Operating Cash Flow Growth	—	—	—	-38.0%	+1.9%
Net Cash Flow	-2.26B	1.38B	-0.07B	0.37B	0.15B