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
Operating Summary
Revenue	844.15M	730.87M	669.21M	519.28M	401.13M
Interest Income	977.65M	913.21M	776.42M	462.48M	326.95M
Interest Expense	325.95M	256.56M	170.92M	64.01M	49.80M
Pretax Income	632.30M	550.78M	502.61M	364.52M	264.17M
Income Tax	51.55M	44.76M	—	—	—
Net Income	580.75M	506.03M	502.61M	364.52M	264.17M
Net Interest Income	651.70M	656.65M	605.51M	398.47M	277.15M
Non-Interest Income	252.01M	178.59M	178.74M	136.54M	115.72M
Non-Interest Expense	211.85M	180.09M	166.60M	154.76M	136.97M
Loan Loss Provisions	59.56M	104.36M	115.04M	15.72M	-8.26M
EPS (Basic)	0.29	0.25	0.25	0.19	0.14
EPS (Diluted)	0.29	0.25	0.25	0.19	0.14
DPS	0.20	0.18	0.15	0.10	0.07
Margins & Efficiency
Net Margin %	+68.8%	+69.2%	+75.1%	+70.2%	+65.9%
Revenue & Income
Revenue	844.15M	730.87M	669.21M	519.28M	401.13M
Revenue	844.15M	730.87M	669.21M	519.28M	401.13M
Revenue Growth (YoY)	+15.5%	+9.2%	+28.9%	+29.5%	+11.0%
Revenues Before Loan Losses	903.71M	835.23M	784.25M	535.00M	392.88M
Interest Income on Loans	977.65M	913.21M	776.42M	462.48M	326.95M
Net Interest Income	651.70M	656.65M	605.51M	398.47M	277.15M
Net Interest Income Growth (YoY)	-0.8%	+8.4%	+52.0%	+43.8%	-16.0%
Non-Interest Income Growth (YoY)	+41.1%	-0.1%	+30.9%	+18.0%	-19.5%
Total Non-Interest Income	252.01M	178.59M	178.74M	136.54M	115.72M
Other Non-Interest Income	189.31M	123.48M	126.13M	97.37M	81.62M
Gain (Loss) on Sale of Investments	62.70M	55.11M	52.61M	39.16M	34.10M
Expenses & Provisions
Selling, General & Administrative	32.81M	27.31M	21.62M	—	—
Interest Paid on Deposits	325.95M	256.56M	170.92M	64.01M	49.80M
Total Non-Interest Expense	211.85M	180.09M	166.60M	154.76M	136.97M
Other Non-Interest Expense	21.39M	16.37M	19.02M	35.23M	30.70M
Provision for Loan Losses	59.56M	104.36M	115.04M	15.72M	-8.26M
Salaries and Employee Benefits	132.61M	113.49M	100.93M	92.42M	79.91M
Occupancy Expenses	24.78M	22.61M	24.75M	27.12M	26.17M
Profitability & Returns
EBT Excluding Unusual Items	632.30M	550.78M	502.61M	364.52M	264.17M
Pretax Income	632.30M	550.78M	502.61M	364.52M	264.17M
Profit Margin	+68.8%	+69.2%	+75.1%	+70.2%	+65.9%
Net Income	580.75M	506.03M	502.61M	364.52M	264.17M
Net Income to Common	580.75M	506.03M	502.61M	364.52M	264.17M
Net Income Growth	+14.8%	+0.7%	+37.9%	+38.0%	+24.7%
Income Tax Expense	51.55M	44.76M	—	—	—
Effective Tax Rate	+8.2%	+8.1%	—	—	—
Per Share & Capital
EPS (Basic)	0.29	0.25	0.25	0.19	0.14
EPS (Diluted)	0.29	0.25	0.25	0.19	0.14
EPS Growth	+14.8%	+0.7%	+32.7%	+38.0%	+29.6%
Dividend Per Share	0.20	0.18	0.15	0.10	0.07
Shares Change (YoY)	—	—	0.04	—	-0.04
Shares Outstanding (Basic)	2.00B	2.00B	2.00B	1.93B	1.93B
Shares Outstanding (Diluted)	2.00B	2.00B	2.00B	1.93B	1.93B
Dividend Growth	+11.1%	+20.0%	+50.0%	+35.3%	—
Free Cash Flow	-5.23B	-0.92B	-0.70B	0.46B	0.75B
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
Payout Ratio	+62.0%	+59.3%	+39.8%	+40.6%	+56.0%

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	844.15M	730.87M	669.21M	519.28M	401.13M
Interest Income	977.65M	913.21M	776.42M	462.48M	326.95M
Interest Expense	325.95M	256.56M	170.92M	64.01M	49.80M
Pretax Income	632.30M	550.78M	502.61M	364.52M	264.17M
Income Tax	51.55M	44.76M	—	—	—
Net Income	580.75M	506.03M	502.61M	364.52M	264.17M
Net Interest Income	651.70M	656.65M	605.51M	398.47M	277.15M
Non-Interest Income	252.01M	178.59M	178.74M	136.54M	115.72M
Non-Interest Expense	211.85M	180.09M	166.60M	154.76M	136.97M
Loan Loss Provisions	59.56M	104.36M	115.04M	15.72M	-8.26M
EPS (Basic)	0.29	0.25	0.25	0.19	0.14
EPS (Diluted)	0.29	0.25	0.25	0.19	0.14
DPS	0.20	0.18	0.15	0.10	0.07
Margins & Efficiency
Net Margin %	+68.8%	+69.2%	+75.1%	+70.2%	+65.9%
Revenue & Income
Revenue	844.15M	730.87M	669.21M	519.28M	401.13M
Revenue	844.15M	730.87M	669.21M	519.28M	401.13M
Revenue Growth (YoY)	+15.5%	+9.2%	+28.9%	+29.5%	+11.0%
Revenues Before Loan Losses	903.71M	835.23M	784.25M	535.00M	392.88M
Interest Income on Loans	977.65M	913.21M	776.42M	462.48M	326.95M
Net Interest Income	651.70M	656.65M	605.51M	398.47M	277.15M
Net Interest Income Growth (YoY)	-0.8%	+8.4%	+52.0%	+43.8%	-16.0%
Non-Interest Income Growth (YoY)	+41.1%	-0.1%	+30.9%	+18.0%	-19.5%
Total Non-Interest Income	252.01M	178.59M	178.74M	136.54M	115.72M
Other Non-Interest Income	189.31M	123.48M	126.13M	97.37M	81.62M
Gain (Loss) on Sale of Investments	62.70M	55.11M	52.61M	39.16M	34.10M
Expenses & Provisions
Selling, General & Administrative	32.81M	27.31M	21.62M	—	—
Interest Paid on Deposits	325.95M	256.56M	170.92M	64.01M	49.80M
Total Non-Interest Expense	211.85M	180.09M	166.60M	154.76M	136.97M
Other Non-Interest Expense	21.39M	16.37M	19.02M	35.23M	30.70M
Provision for Loan Losses	59.56M	104.36M	115.04M	15.72M	-8.26M
Salaries and Employee Benefits	132.61M	113.49M	100.93M	92.42M	79.91M
Occupancy Expenses	24.78M	22.61M	24.75M	27.12M	26.17M
Profitability & Returns
EBT Excluding Unusual Items	632.30M	550.78M	502.61M	364.52M	264.17M
Pretax Income	632.30M	550.78M	502.61M	364.52M	264.17M
Profit Margin	+68.8%	+69.2%	+75.1%	+70.2%	+65.9%
Net Income	580.75M	506.03M	502.61M	364.52M	264.17M
Net Income to Common	580.75M	506.03M	502.61M	364.52M	264.17M
Net Income Growth	+14.8%	+0.7%	+37.9%	+38.0%	+24.7%
Income Tax Expense	51.55M	44.76M	—	—	—
Effective Tax Rate	+8.2%	+8.1%	—	—	—
Per Share & Capital
EPS (Basic)	0.29	0.25	0.25	0.19	0.14
EPS (Diluted)	0.29	0.25	0.25	0.19	0.14
EPS Growth	+14.8%	+0.7%	+32.7%	+38.0%	+29.6%
Dividend Per Share	0.20	0.18	0.15	0.10	0.07
Shares Change (YoY)	—	—	0.04	—	-0.04
Shares Outstanding (Basic)	2.00B	2.00B	2.00B	1.93B	1.93B
Shares Outstanding (Diluted)	2.00B	2.00B	2.00B	1.93B	1.93B
Dividend Growth	+11.1%	+20.0%	+50.0%	+35.3%	—
Free Cash Flow	-5.23B	-0.92B	-0.70B	0.46B	0.75B
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
Payout Ratio	+62.0%	+59.3%	+39.8%	+40.6%	+56.0%