National Bank Of Umm Al Qaiwain
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- Volume
- 3.5K0.44x 30-day average
- Avg volume (30D)
- 7.9K
About the company
National Bank of Umm Al-Qaiwain PSC is a UAE commercial bank incorporated in Umm Al Qaiwain by Amiri Decree in 1982, providing retail and corporate banking through a network of branches in the UAE, with an Islamic banking window since 2005. The Government of Umm Al Qaiwain is its largest shareholder. It has been listed on the Abu Dhabi Securities Exchange since 2005.
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Year-end price history
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Shariah screening
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Dividend calculator
Before a dividend is announced, choose an estimate. Once DFM publishes it, the announced amount is used automatically. Gross amount before any bank charges. Estimates only, not investment advice.
Dividend history
No DFM dividend records for this company since 2025.
Source: DFM dividend distribution records (2025 onwards). Yield uses the close before the ex-date.
Announcements
No announcements yet.
Source: DFM disclosures. Times are Dubai time.
Income Statement
Values in AED · click any row to chart the metric, click again to collapse
| Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & Islamic Financing Income | 232.6M | 221.5M | 226.7M | 232.4M | 222.4M | 230.4M | 251.6M | 273.2M | 246.0M | 256.9M | 277.7M |
| Interest Expense & Depositors' Profit | -56.8M | -60.6M | -69.6M | -69.6M | -75.1M | -68.3M | -87.7M | -94.8M | -92.6M | -100.6M | -118.9M |
| Net Interest & Islamic Financing Income | 175.8M | 160.9M | 157.1M | 162.8M | 147.3M | 162.1M | 164.0M | 178.3M | 153.4M | 156.4M | 158.9M |
| Net Fee & Commission Income | 6.8M | 7.9M | 7.2M | 8.1M | 7.5M | 8.6M | 9.1M | 9.7M | 8.2M | 9.3M | 9.8M |
| Net Trading & Investment Income | 44.9M | 6.1M | 2.9M | 1.5M | 59.4M | 51,000.00 | 1.1M | 2.1M | 60.5M | 8.1M | 1.5M |
| Other Operating Income | 62.9M | 11.1M | 7.7M | 11.9M | 23.8M | 91.1M | 32.0M | 7.5M | 10.1M | 15.1M | 17.3M |
| Total Operating Income | 290.4M | 186.0M | 174.9M | 184.3M | 238.0M | 261.8M | 206.3M | 197.6M | 232.2M | 188.8M | 187.5M |
| Operating Expenses | -42.0M | -43.1M | -44.7M | -50.0M | -45.5M | -47.3M | -59.4M | -59.4M | -51.5M | -56.1M | -64.0M |
| Operating Profit Before Impairment | 248.4M | 142.9M | 130.2M | 134.3M | 192.5M | 214.5M | 146.9M | 138.1M | 180.7M | 132.8M | 123.5M |
| Net Impairment Charges | -59.8M | -22.9M | -4.2M | -17.4M | 6.2M | -74.1M | 18.7M | -10.3M | -19.9M | -2.4M | -5.9M |
| Other Income, Net | -120,000.00 | -120,000.00 | -123,000.00 | -235,000.00 | -185,000.00 | -72,000.00 | – | – | – | – | – |
| Pre-Tax Income | 188.5M | 119.8M | 125.8M | 116.6M | 198.5M | 140.4M | 165.6M | 127.9M | 160.8M | 130.4M | 117.5M |
| Income Tax Expense | -12.7M | -10.2M | -11.3M | -10.5M | -12.7M | -12.4M | -14.8M | -11.6M | -9.1M | -11.0M | -10.5M |
| Net Income | 175.7M | 109.6M | 114.6M | 106.1M | 185.8M | 128.0M | 150.7M | 116.2M | 151.7M | 119.4M | 107.1M |
| Net Income (Owners of Parent) | 175.7M | 109.6M | 114.6M | 106.1M | 185.8M | 128.0M | 150.7M | 116.2M | 151.7M | 119.4M | 107.1M |
| EPS (AED) | 0.09 | 0.05 | 0.06 | 0.05 | 0.09 | 0.06 | 0.08 | 0.06 | 0.08 | 0.06 | 0.05 |
Balance Sheet
Values in AED · click any row to chart the metric, click again to collapse
| Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Balances with Central Banks | 2.2B | 2.1B | 3.1B | 2.6B | 2.6B | 3.0B | 2.8B | 3.1B | 2.7B | 3.2B | 2.4B | 3.0B |
| Due from Banks | 3.7B | 4.0B | 3.1B | 4.6B | 5.3B | 4.7B | 5.9B | 6.6B | 7.4B | 7.7B | 8.9B | 8.3B |
| Investment Securities | 1.4B | 1.4B | 1.5B | 1.6B | 1.7B | 2.2B | 2.5B | 2.9B | 3.1B | 3.4B | 3.5B | 3.8B |
| Loans, Advances & Islamic Financing | 7.0B | 6.8B | 7.4B | 7.3B | 7.8B | 8.2B | 8.4B | 8.7B | 9.1B | 8.3B | 8.7B | 9.6B |
| Other Assets & Prepayments | 389.3M | 381.2M | 392.4M | 432.2M | 408.9M | 506.2M | 530.3M | 465.8M | 495.1M | 526.0M | 437.7M | 480.2M |
| Property, Plant & Equipment | 71.5M | 71.7M | 60.3M | 68.5M | 72.3M | 71.7M | 73.7M | 71.3M | 69.5M | 65.3M | 66.2M | 66.2M |
| Total Assets | 14.8B | 14.8B | 15.6B | 16.5B | 17.9B | 18.6B | 20.2B | 21.8B | 22.9B | 23.2B | 24.1B | 25.1B |
| Due to Banks | 259,000.00 | 282,000.00 | 0.00 | 33,000.00 | 0.00 | 49.4M | 0.00 | 100.0M | 0.00 | 20.0M | 0.00 | 0.00 |
| Customer Deposits | 8.7B | 8.9B | 9.4B | 10.2B | 11.4B | 12.2B | 13.3B | 14.7B | 15.7B | 16.3B | 17.1B | 17.9B |
| Other Liabilities | 406.7M | 434.5M | 501.5M | 545.7M | 488.7M | 551.7M | 607.2M | 571.0M | 637.7M | 602.2M | 542.8M | 544.2M |
| Total Liabilities | 9.1B | 9.3B | 9.9B | 10.7B | 11.9B | 12.8B | 13.9B | 15.4B | 16.3B | 16.9B | 17.7B | 18.5B |
| Share Capital | 2.0B | 2.0B | 2.0B | 2.0B | 2.0B | 2.0B | 2.0B | 2.0B | 2.0B | 2.0B | 2.0B | 2.0B |
| Reserves | 1.5B | 1.5B | 1.5B | 1.6B | 1.6B | 1.7B | 1.9B | 1.9B | 2.0B | 1.9B | 2.0B | 2.1B |
| Retained Earnings | 2.2B | 2.0B | 2.2B | 2.3B | 2.4B | 2.2B | 2.3B | 2.5B | 2.6B | 2.3B | 2.4B | 2.5B |
| Equity (Owners of Parent) | 5.6B | 5.5B | 5.6B | 5.8B | 6.0B | 5.9B | 6.2B | 6.4B | 6.6B | 6.3B | 6.4B | 6.7B |
| Total Equity | 5.6B | 5.5B | 5.6B | 5.8B | 6.0B | 5.9B | 6.2B | 6.4B | 6.6B | 6.3B | 6.4B | 6.7B |
Cash Flow
Values in AED · click any row to chart the metric, click again to collapse
| Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -78.3M | -142.8M | 903.6M | 1.1B | -778.6M | 1.3B | 238.2M | -1.7B | 1.5B | 867.9M | 344.4M |
| Investing Cash Flow | 36.0M | -42.3M | -18.0M | -86.7M | -344.1M | -58.8M | -425.4M | -150.6M | -324.0M | -39.9M | -94.5M |
| Capital Expenditure | 4.4M | 5.3M | 11.7M | 6.7M | 2.2M | 4.9M | 3.8M | 2.6M | 847,000.00 | 3.8M | 2.9M |
| Financing Cash Flow | -300.5M | -453,000.00 | -572,000.00 | -298,000.00 | -360.4M | -388,000.00 | -430,000.00 | -568,000.00 | -400.2M | -359,000.00 | -372,000.00 |
| Dividends Paid | -300.0M | 0.00 | 0.00 | 0.00 | -360.0M | 0.00 | 0.00 | 0.00 | -400.0M | 0.00 | 0.00 |
Total Operating Income
Net Interest & Islamic Financing Income
Net Fee & Commission Income
Operating Profit Before Impairment
Net Impairment Charges
Net Income
EPS (AED)
Shares Outstanding
Total Assets
Loans, Advances & Islamic Financing
Customer Deposits
Investment Securities
Total Liabilities
Total Equity
Net Interest Margin
Cost-to-Income Ratio
Loan-to-Deposit Ratio
Cost of Risk
Net Margin
P/E
P/B
Price / Tangible Book
P/S Ratio
Net Worth (Market Cap)
ROE
ROA
Return on Tangible Equity
Equity / Assets
Dividend Yield
Employee Count
Market Information
- 2026-10-23 Q3 2026 Financial Results PDF ↓
- 2026-07-17 Q2 2026 Financial Results PDF ↓
- 2026-04-17 Q1 2026 Financial Results PDF ↓
- 2026-02-10 FY 2025 Financial Results PDF ↓
- 2025-10-20 Q3 2025 Financial Results PDF ↓
- 2025-07-15 Q2 2025 Financial Results PDF ↓
- 2025-04-28 Q1 2025 Financial Results PDF ↓
- 2025-02-11 FY 2024 Financial Results PDF ↓
- 2024-10-18 Q3 2024 Financial Results PDF ↓
- 2024-07-16 Q2 2024 Financial Results PDF ↓
- 2024-04-18 Q1 2024 Financial Results PDF ↓
- 2024-02-14 FY 2023 Financial Results PDF ↓