Umm Al Quwain–11 February2026:
The National Bank of Umm Al Qaiwain (NBQ) has delivered a strong financial performance in 2025, with profits after tax reaching AED 581 Mn, a 15% increase compared to 2024.
Total assets reached AED 22.9 billion as of 31st December 2025, are up 28 %compared to AED 17.9 billion by end-December 2024, with net loans and advances rising 17% to AED 9.1 billion, and customer deposits growing 38% to AED 15.7 billion over the same period. Shareholders equity grew by 9% to AED 6.6 billion.
NBQ’s capital adequacy ratio stood at 30.67% as of 31st December 2025, which continues to be well over the minimum threshold stipulated by Central Bank of the UAE in accordance with Basel III guidelines.
Non-Performing Loans ratio improved by 371 bps to 0.31 % as of 31st December 2025 from 4.02% as at 31st December 2024.
Mr. Adnan Al Awadhi, CEO of NBQ, said: “Building on our strong fundamentals, 2025 marked significant achievements for NBQ. The performance was characterized by solid momentum across all core metrics, underpinned by a proactive approach to risk management and regulatory excellence.Our client-centric approach is paying off as reflected by the strong growth of profits, assets, and deposits, and we remain committed to maximize value for all our stakeholders by delivering premium banking services and attracting and retaining our target customer groups”.
Mr. Al Awadhi added: “During 2025, we accelerated our digital transformation, significantly enhancing the customer experience and optimizing operational efficiency through cutting-edge technology. As we look forward, our capital adequacy and liquidity ratios provide a stable platform for the growth targets we have set for 2026. We will continue digital innovation and product diversification to deliver long-term value, aligning our sustainability, financial inclusion, and Emiratization initiatives with our financial goals to contribute to the socio-economic development of the UAE. We thank our customers, shareholders, and employees for the trust, support and tireless efforts to position NBQ as a bank of first choice, offering innovative financial services, built on trust and integrity, and driven by a passion for excellence.”
Key Highlights:
• Profit after tax grew by 15% to AED 581 Million.
• Gross Revenue increased by 13% to AED 1,229 Million.
• Non-interest income saw significant growth of 41% to AED 252Million.
• Cost-to-income ratio remained efficient at 23.42%.
Balance Sheet Strengths:
- Capital adequacy and CET1 ratios were 30.67 % and30.12% respectively.
- NPL ratio improved by 371 bps to reach 0.31 % against 4.02 % as at 31st December 2024.
- Impairment coverage ratio was 306% as of 31 Dec 2025