NBF 9M 2026 profit rises 10% to AED 1.04B

28/10/2026 Argaam Exclusive

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National Bank of Fujairah (NBF), which is 57.87% owned by the Government of Fujairah, reported a 10% net profit rise to AED 1,044.4 million (AED 0.40 per share) for the first nine months of 2026, compared to AED 945.4 million in a year-earlier period.



Financials (Million Dirham)

Item 9m 2025 9m 2026 Change‬
Net Special Commission Income 1,412.58 1,488.30 5.4 %
Operating Income 2,021.64 2,075.88 2.7 %
Total Provisions (433.06) (352.69) 18.6 %
Net Income 945.37 1,044.36 10.5 %
Average Shares 2,580.41 2,580.41 -
Earnings Per Share before unusual items (Riyals) 0.37 0.40 10.5 %
EPS (Dirham) 0.37 0.40 10.5 %
EPS Diluted (Dirham) 0.37 0.41 10.7 %

This was driven by a 3% rise year-on-year (YoY) in operating income to AED 2.08 billion and a 15% decline YoY in net impairment losses to AED 352.5 million during the period.



Current Quarter Comparison (Million Dirham)

Compared With The
Item Q3 2025 Q3 2026 Change‬
Net Special Commission Income 486.47 504.17 3.6 %
Operating Income 661.97 694.67 4.9 %
Debt Provisions (125.61) (134.19) (6.8 %)
Net Income 319.99 355.47 11.1 %
Average Shares 2,580.41 2,580.41 -
Earnings Per Share before unusual items (Dirham) 0.12 0.14 11.1 %
EPS (Dirham) 0.12 0.14 11.1 %
EPS Diluted (Dirham) 0.12 0.14 11.3 %

Q3 2026 net earnings grew 11.1% YoY and 2.6% quarter-on-quarter (QoQ) to AED 355.47 million.



Balance Sheet (Billion Dirham)

Item 9m 2025 9m 2026 Change‬
Assets 67.99 71.14 4.6 %
Customer Deposits 49.13 52.03 5.9 %
Loan 36.31 38.03 4.7 %

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Share Price

National Bank of Fujairah
4.84
0.09 1.89 %

National Bank of Fujairah (National Bank of Fujairah)

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Financial Ratios
Current
Market Cap (M Dirham) 12,489.18
Shares Outstanding ((M)) 2,580.41
Recurring EPS ( Dirham) (TTM) 0.51
EPS Diluted ( Dirham) (TTM) 0.51
Book Value (BV) ( Dirham) 3.14
Par Value ( Dirham) 1.00
Recurring P/E (TTM) 9.58
P/E (TTM) 9.58
Price/book 1.54
Dividend Yield (%) (Last Year) 4.13
Return on Average Assets (%) (TTM) 1.9
Return on Average Equity (%) (TTM) 16.7
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Financial results (Million Dirham)

Period Net Special Commission Income Change Operating Income Change Debt Provisions Change
Q1 2012 118.75 - 177.42 - (43.36) -
Q2 2012 116.40 - 177.33 - (40.19) -
Q3 2012 127.30 - 188.50 - (39.75) -
Q4 2012 142.44 - 216.24 - (50.40) -
Q1 2013 128.88 8.5 % 199.69 12.6 % (36.81) 15.1 %
Q2 2013 137.61 18.2 % 209.51 18.2 % (39.98) 0.5 %
Q3 2013 156.22 22.7 % 221.87 17.7 % (39.42) 0.8 %
Q4 2013 159.29 11.8 % 253.58 17.3 % (51.36) (1.9 %)
Q1 2014 159.79 24.0 % 239.97 20.2 % (36.19) 1.7 %
Q2 2014 160.50 16.6 % 241.97 15.5 % (28.94) 27.6 %
Q3 2014 172.88 10.7 % 258.30 16.4 % (30.99) 21.4 %
Q4 2014 187.91 18.0 % 284.96 12.4 % (36.22) 29.5 %
Q1 2015 190.33 19.1 % 294.93 22.9 % (38.82) (7.3 %)
Q2 2015 200.25 24.8 % 312.23 29.0 % (48.12) (66.2 %)
Q3 2015 210.56 21.8 % 306.85 18.8 % (45.32) (46.2 %)
Q4 2015 200.17 6.5 % 299.09 5.0 % (75.84) (109.4 %)
Q1 2016 207.88 9.2 % 336.28 14.0 % (72.56) (86.9 %)
Q2 2016 205.44 2.6 % 322.67 3.3 % (82.13) (70.7 %)
Q3 2016 216.87 3.0 % 315.87 2.9 % (88.55) (95.4 %)
Q4 2016 218.01 8.9 % 344.29 15.1 % (162.29) (114.0 %)
Q1 2017 207.36 (0.3 %) 324.62 (3.5 %) (85.90) (18.4 %)
Q2 2017 224.06 9.1 % 346.08 7.3 % (71.70) 12.7 %
Q3 2017 241.81 11.5 % 342.91 8.6 % (108.40) (22.4 %)
Q4 2017 244.33 12.1 % 364.93 6.0 % (175.68) (8.3 %)
Q1 2018 244.34 17.8 % 369.19 13.7 % (102.62) (19.5 %)
Q2 2018 280.75 25.3 % 399.55 15.4 % (106.73) (48.9 %)
Q3 2018 287.51 18.9 % 412.66 20.3 % (132.85) (22.6 %)
Q4 2018 274.06 12.2 % 392.44 7.5 % (94.42) 46.3 %
Q1 2019 280.37 14.7 % 415.45 12.5 % (116.54) (13.6 %)
Q2 2019 282.91 0.8 % 426.02 6.6 % (91.56) 14.2 %
Q3 2019 296.12 3.0 % 439.43 6.5 % (141.47) (6.5 %)
Q4 2019 292.96 6.9 % 427.19 8.9 % (242.62) (157.0 %)
Q1 2020 276.30 (1.5 %) 417.49 0.5 % (217.04) (86.2 %)
Q2 2020 235.57 (16.7 %) 338.08 (20.6 %) (237.06) (158.9 %)
Q3 2020 210.19 (29.0 %) 306.50 (30.3 %) (184.65) (30.5 %)
Q4 2020 226.83 (22.6 %) 323.48 (24.3 %) (728.54) (200.3 %)
Q1 2021 227.57 (17.6 %) 360.21 (13.7 %) (204.14) 5.9 %
Q2 2021 241.52 2.5 % 364.30 7.8 % (222.07) 6.3 %
Q3 2021 240.20 14.3 % 360.12 17.5 % (226.26) (22.5 %)
Q4 2021 231.85 2.2 % 357.30 10.5 % (186.35) 74.4 %
Q1 2022 238.58 4.8 % 412.84 14.6 % (233.10) (14.2 %)
Q2 2022 281.55 16.6 % 445.62 22.3 % (217.40) 2.1 %
Q3 2022 335.32 39.6 % 461.40 28.1 % (241.28) (6.6 %)
Q4 2022 365.73 57.7 % 494.72 38.5 % (195.53) (4.9 %)
Q1 2023 404.08 69.4 % 554.14 34.2 % (244.47) (4.9 %)
Q2 2023 421.02 49.5 % 558.85 25.4 % (205.40) 5.5 %
Q3 2023 432.78 29.1 % 572.69 24.1 % (222.34) 7.8 %
Q4 2023 446.98 22.2 % 597.28 20.7 % (181.14) 7.4 %
Q1 2024 448.45 11.0 % 614.00 10.8 % (158.37) 35.2 %
Q2 2024 434.01 3.1 % 590.34 5.6 % (195.21) 5.0 %
Q3 2024 445.84 3.0 % 623.57 8.9 % (203.12) 8.6 %
Q4 2024 459.24 2.7 % 607.31 1.7 % (131.26) 27.5 %
Q1 2025 454.57 1.4 % 675.53 10.0 % (163.20) (3.1 %)
Q2 2025 471.54 8.6 % 684.14 15.9 % (144.25) 26.1 %
Q3 2025 486.47 9.1 % 661.97 6.2 % (125.61) 38.2 %
Q4 2025 476.49 3.8 % 640.48 5.5 % (136.94) (4.3 %)
Q1 2026 498.75 9.7 % 701.06 3.8 % (119.74) 26.6 %
Q2 2026 485.38 2.9 % 680.14 (0.6 %) (98.76) 31.5 %
Q3 2026 504.17 3.6 % 694.67 4.9 % (134.19) (6.8 %)


Profit Performance (Million Dirham)

Period Net Income Change EPS(Dirham) Extraordinary Income/Expense Net Profit Before Unusual Items EPS(Dirham)
Q1 2012 64.46 - 0.03 - 64.46 0.03
Q2 2012 71.00 - 0.04 - 71.00 0.04
Q3 2012 82.66 - 0.04 - 82.66 0.04
Q4 2012 87.69 - 0.04 - 87.69 0.04
Q1 2013 90.69 40.7 % 0.05 - 90.69 0.05
Q2 2013 92.80 30.7 % 0.05 - 92.80 0.05
Q3 2013 102.90 24.5 % 0.05 - 102.90 0.05
Q4 2013 106.73 21.7 % 0.05 - 106.73 0.05
Q1 2014 115.30 27.1 % 0.06 - 115.30 0.06
Q2 2014 124.20 33.8 % 0.06 - 124.20 0.06
Q3 2014 129.75 26.1 % 0.07 - 129.75 0.07
Q4 2014 136.19 27.6 % 0.07 - 136.19 0.07
Q1 2015 149.46 29.6 % 0.08 - 149.46 0.08
Q2 2015 154.10 24.1 % 0.08 - 154.10 0.08
Q3 2015 150.29 15.8 % 0.08 - 150.29 0.08
Q4 2015 104.92 (23.0 %) 0.05 - 104.92 0.05
Q1 2016 150.51 0.7 % 0.08 - 150.51 0.08
Q2 2016 124.60 (19.1 %) 0.06 - 124.60 0.06
Q3 2016 115.84 (22.9 %) 0.06 - 115.84 0.06
Q4 2016 69.50 (33.8 %) 0.03 - 69.50 0.03
Q1 2017 126.10 (16.2 %) 0.06 - 126.10 0.06
Q2 2017 154.94 24.4 % 0.08 - 154.94 0.08
Q3 2017 120.35 3.9 % 0.06 - 120.35 0.06
Q4 2017 70.56 1.5 % 0.04 - 70.56 0.04
Q1 2018 145.35 15.3 % 0.07 - 145.35 0.07
Q2 2018 164.82 6.4 % 0.08 - 164.82 0.08
Q3 2018 151.95 26.3 % 0.07 - 151.95 0.07
Q4 2018 153.19 117.1 % 0.07 - 153.19 0.07
Q1 2019 167.63 15.3 % 0.08 - 167.63 0.08
Q2 2019 189.45 14.9 % 0.09 - 189.45 0.09
Q3 2019 154.53 1.7 % 0.07 - 154.53 0.07
Q4 2019 40.58 (73.5 %) 0.02 - 40.58 0.02
Q1 2020 75.43 (55.0 %) 0.03 - 75.43 0.03
Q2 2020 (10.34) (105.5 %) 0.00 - (10.34) 0.00
Q3 2020 1.22 (99.2 %) 0.00 - 1.22 0.00
Q4 2020 (541.57) (1434.7 %) (0.24) - (541.57) (0.24)
Q1 2021 42.01 (44.3 %) 0.02 - 42.01 0.02
Q2 2021 34.21 430.8 % 0.02 - 34.21 0.02
Q3 2021 14.23 1063.3 % 0.01 - 14.23 0.01
Q4 2021 24.81 104.6 % 0.01 - 24.81 0.01
Q1 2022 60.36 43.7 % 0.03 - 60.36 0.03
Q2 2022 90.16 163.6 % 0.04 - 90.16 0.04
Q3 2022 80.16 463.4 % 0.04 - 80.16 0.04
Q4 2022 109.70 342.2 % 0.05 - 109.70 0.05
Q1 2023 152.01 151.8 % 0.07 - 152.01 0.07
Q2 2023 180.14 99.8 % 0.08 - 180.14 0.08
Q3 2023 181.03 125.8 % 0.08 - 181.03 0.08
Q4 2023 211.90 93.2 % 0.10 - 211.90 0.10
Q1 2024 251.06 65.2 % 0.11 - 251.06 0.11
Q2 2024 190.10 5.5 % 0.08 - 190.10 0.08
Q3 2024 209.27 15.6 % 0.09 - 209.27 0.09
Q4 2024 199.68 (5.8 %) 0.09 - 199.68 0.09
Q1 2025 306.81 22.2 % 0.12 - 306.81 0.12
Q2 2025 318.57 67.6 % 0.12 - 318.57 0.12
Q3 2025 319.99 52.9 % 0.12 - 319.99 0.12
Q4 2025 259.79 30.1 % 0.10 - 259.79 0.10
Q1 2026 342.34 11.6 % 0.13 - 342.34 0.13
Q2 2026 346.56 8.8 % 0.13 - 346.56 0.13
Q3 2026 355.47 11.1 % 0.14 - 355.47 0.14


Balance Sheet (Billion Dirham)

Period Assets Change Customer Deposits Change Loan Change
Q1 2012 15.62 - 10.87 - 11.05 -
Q2 2012 15.87 - 11.32 - 11.51 -
Q3 2012 16.06 - 11.22 - 11.58 -
Q4 2012 17.54 - 12.04 - 12.20 -
Q1 2013 17.81 14.0 % 11.86 9.1 % 12.47 12.9 %
Q2 2013 18.35 15.6 % 12.44 9.9 % 13.32 15.7 %
Q3 2013 19.60 22.0 % 13.26 18.2 % 13.91 20.1 %
Q4 2013 21.46 22.3 % 15.00 24.6 % 13.86 13.7 %
Q1 2014 22.69 27.4 % 15.90 34.0 % 15.48 24.1 %
Q2 2014 23.46 27.8 % 16.64 33.8 % 15.33 15.1 %
Q3 2014 23.39 19.3 % 16.47 24.2 % 15.87 14.1 %
Q4 2014 24.59 14.6 % 17.93 19.6 % 16.33 17.8 %
Q1 2015 26.53 16.9 % 18.45 16.1 % 17.71 14.4 %
Q2 2015 27.84 18.6 % 19.46 17.0 % 18.43 20.2 %
Q3 2015 28.63 22.4 % 20.23 22.8 % 19.42 22.4 %
Q4 2015 30.03 22.2 % 21.61 20.5 % 19.69 20.6 %
Q1 2016 32.12 21.1 % 23.15 25.4 % 20.85 17.7 %
Q2 2016 32.33 16.1 % 22.62 16.2 % 21.12 14.6 %
Q3 2016 33.00 15.2 % 23.12 14.2 % 21.90 12.8 %
Q4 2016 35.67 18.8 % 25.94 20.0 % 22.82 15.9 %
Q1 2017 35.80 11.5 % 26.51 14.5 % 23.18 11.2 %
Q2 2017 34.05 5.3 % 25.28 11.8 % 23.91 13.2 %
Q3 2017 35.22 6.8 % 26.10 12.9 % 23.64 8.0 %
Q4 2017 36.66 2.8 % 27.86 7.4 % 24.07 5.5 %
Q1 2018 36.60 2.2 % 27.79 4.8 % 25.21 8.7 %
Q2 2018 38.09 11.9 % 28.19 11.5 % 26.05 8.9 %
Q3 2018 38.95 10.6 % 29.20 11.9 % 26.61 12.6 %
Q4 2018 39.78 8.5 % 30.47 9.4 % 26.20 8.9 %
Q1 2019 40.04 9.4 % 30.22 8.7 % 26.21 4.0 %
Q2 2019 42.54 11.7 % 31.00 10.0 % 27.92 7.2 %
Q3 2019 42.52 9.2 % 31.19 6.8 % 27.56 3.6 %
Q4 2019 42.81 7.6 % 31.95 4.8 % 27.10 3.4 %
Q1 2020 43.28 8.1 % 32.03 6.0 % 27.18 3.7 %
Q2 2020 44.48 4.6 % 32.93 6.2 % 26.44 (5.3 %)
Q3 2020 41.78 (1.7 %) 31.20 0.0 % 25.37 (7.9 %)
Q4 2020 39.87 (6.9 %) 29.77 (6.8 %) 24.84 (8.3 %)
Q1 2021 39.13 (9.6 %) 28.32 (11.6 %) 25.03 (7.9 %)
Q2 2021 41.06 (7.7 %) 29.83 (9.4 %) 25.28 (4.4 %)
Q3 2021 40.74 (2.5 %) 29.55 (5.3 %) 25.43 0.2 %
Q4 2021 42.95 7.7 % 32.20 8.2 % 25.62 3.1 %
Q1 2022 42.62 8.9 % 32.17 13.6 % 27.21 8.7 %
Q2 2022 43.71 6.5 % 31.84 6.7 % 27.72 9.7 %
Q3 2022 44.37 8.9 % 32.70 10.7 % 27.59 8.5 %
Q4 2022 47.62 10.9 % 35.74 11.0 % 26.91 5.1 %
Q1 2023 47.53 11.5 % 34.84 8.3 % 27.52 1.2 %
Q2 2023 47.86 9.5 % 34.88 9.6 % 28.40 2.4 %
Q3 2023 49.97 12.6 % 37.22 13.8 % 27.73 0.5 %
Q4 2023 51.72 8.6 % 38.57 7.9 % 27.90 3.7 %
Q1 2024 53.01 11.5 % 39.52 13.4 % 28.52 3.6 %
Q2 2024 55.63 16.2 % 41.59 19.3 % 29.45 3.7 %
Q3 2024 58.53 17.1 % 41.85 12.4 % 30.83 11.2 %
Q4 2024 60.88 17.7 % 45.76 18.6 % 32.39 16.1 %
Q1 2025 64.49 21.6 % 47.58 20.4 % 34.19 19.9 %
Q2 2025 64.33 15.6 % 47.60 14.4 % 35.72 21.3 %
Q3 2025 67.99 16.2 % 49.13 17.4 % 36.31 17.8 %
Q4 2025 69.37 14.0 % 50.98 11.4 % 37.47 15.7 %
Q1 2026 68.85 6.8 % 49.72 4.5 % 37.16 8.7 %
Q2 2026 71.18 10.6 % 51.71 8.6 % 36.14 1.2 %
Q3 2026 71.14 4.6 % 52.03 5.9 % 38.03 4.7 %

Profitability

Period Return On Average Assets Return on Average Equity Net Income/Operating profit
Q1 2012 - - -
Q2 2012 - - -
Q3 2012 - - -
Q4 2012 - - 40.27 %
Q1 2013 1.99 % 15.55 % 42.47 %
Q2 2013 2.07 % 15.99 % 43.47 %
Q3 2013 2.10 % 16.26 % 44.15 %
Q4 2013 2.02 % 16.39 % 44.44 %
Q1 2014 2.06 % 17.61 % 45.16 %
Q2 2014 2.15 % 18.15 % 46.91 %
Q3 2014 2.21 % 18.48 % 47.89 %
Q4 2014 2.20 % 18.74 % 49.30 %
Q1 2015 2.19 % 19.96 % 49.96 %
Q2 2015 2.22 % 20.04 % 49.50 %
Q3 2015 2.27 % 19.98 % 49.21 %
Q4 2015 2.05 % 18.19 % 46.06 %
Q1 2016 1.91 % 17.99 % 44.63 %
Q2 2016 1.76 % 16.30 % 41.93 %
Q3 2016 1.61 % 14.80 % 38.92 %
Q4 2016 1.40 % 13.43 % 34.91 %
Q1 2017 1.28 % 12.66 % 33.35 %
Q2 2017 1.41 % 13.00 % 35.04 %
Q3 2017 1.38 % 12.81 % 34.68 %
Q4 2017 1.31 % 12.64 % 34.23 %
Q1 2018 1.36 % 13.49 % 34.52 %
Q2 2018 1.39 % 13.18 % 33.94 %
Q3 2018 1.44 % 12.81 % 34.45 %
Q4 2018 1.61 % 14.46 % 39.10 %
Q1 2019 1.66 % 15.21 % 39.35 %
Q2 2019 1.64 % 15.13 % 40.22 %
Q3 2019 1.63 % 13.97 % 39.73 %
Q4 2019 1.34 % 11.40 % 32.33 %
Q1 2020 1.10 % 9.62 % 26.90 %
Q2 2020 0.60 % 5.32 % 16.04 %
Q3 2020 0.25 % 2.15 % 7.18 %
Q4 2020 (1.15 %) (10.06 %) (34.30 %)
Q1 2021 (1.23 %) (10.96 %) (38.30 %)
Q2 2021 (1.09 %) (9.97 %) (34.27 %)
Q3 2021 (1.09 %) (9.66 %) (32.04 %)
Q4 2021 0.28 % 2.63 % 7.99 %
Q1 2022 0.33 % 3.03 % 8.94 %
Q2 2022 0.45 % 4.29 % 12.03 %
Q3 2022 0.60 % 5.74 % 15.23 %
Q4 2022 0.75 % 7.60 % 18.76 %
Q1 2023 0.96 % 9.45 % 22.09 %
Q2 2023 1.14 % 11.22 % 25.23 %
Q3 2023 1.32 % 13.07 % 28.57 %
Q4 2023 1.46 % 14.73 % 31.76 %
Q1 2024 1.64 % 16.41 % 35.18 %
Q2 2024 1.61 % 16.15 % 35.13 %
Q3 2024 1.59 % 15.99 % 35.56 %
Q4 2024 1.51 % 14.01 % 34.91 %
Q1 2025 1.54 % 14.96 % 36.28 %
Q2 2025 1.72 % 16.42 % 39.93 %
Q3 2025 1.81 % 17.30 % 43.56 %
Q4 2025 1.85 % 16.50 % 45.27 %
2025 1.85 % 16.50 % 45.27 %
Q1 2026 1.86 % 16.74 % 46.16 %
Q2 2026 1.87 % 16.92 % 47.27 %
Q3 2026 1.87 % 16.74 % 48.01 %

Ratios

Period Customer Deposits Per Total Assets Loans and advances/Total assets Loans and advances/Customers Deposits
Q1 2012 69.57 % 70.75 % 101.69 %
Q2 2012 71.30 % 72.50 % 101.69 %
Q3 2012 69.86 % 72.11 % 103.21 %
Q4 2012 68.63 % 69.51 % 101.29 %
Q1 2013 66.60 % 70.03 % 105.15 %
Q2 2013 67.76 % 72.55 % 107.06 %
Q3 2013 67.67 % 70.95 % 104.84 %
Q4 2013 69.89 % 64.61 % 92.45 %
Q1 2014 70.06 % 68.22 % 97.38 %
Q2 2014 70.90 % 65.33 % 92.14 %
Q3 2014 70.42 % 67.82 % 96.31 %
Q4 2014 72.93 % 66.41 % 91.06 %
Q1 2015 69.57 % 66.76 % 95.97 %
Q2 2015 69.91 % 66.19 % 94.68 %
Q3 2015 70.66 % 67.81 % 95.97 %
Q4 2015 71.96 % 65.56 % 91.10 %
Q1 2016 72.06 % 64.89 % 90.05 %
Q2 2016 69.97 % 65.33 % 93.36 %
Q3 2016 70.06 % 66.37 % 94.73 %
Q4 2016 72.72 % 63.97 % 87.97 %
Q1 2017 74.04 % 64.76 % 87.46 %
Q2 2017 74.27 % 70.24 % 94.58 %
Q3 2017 74.09 % 67.12 % 90.59 %
Q4 2017 76.02 % 65.65 % 86.37 %
Q1 2018 75.92 % 68.87 % 90.72 %
Q2 2018 73.99 % 68.38 % 92.42 %
Q3 2018 74.98 % 68.33 % 91.13 %
Q4 2018 76.60 % 65.86 % 85.99 %
Q1 2019 75.47 % 65.44 % 86.72 %
Q2 2019 72.86 % 65.63 % 90.08 %
Q3 2019 73.37 % 64.82 % 88.34 %
Q4 2019 74.64 % 63.30 % 84.81 %
Q1 2020 74.01 % 62.80 % 84.86 %
Q2 2020 74.02 % 59.44 % 80.30 %
Q3 2020 74.69 % 60.73 % 81.30 %
Q4 2020 74.65 % 62.31 % 83.46 %
Q1 2021 72.37 % 63.96 % 88.38 %
Q2 2021 72.66 % 61.57 % 84.73 %
Q3 2021 72.53 % 62.42 % 86.06 %
Q4 2021 74.98 % 59.66 % 79.57 %
Q1 2022 75.48 % 63.84 % 84.58 %
Q2 2022 72.83 % 63.42 % 87.08 %
Q3 2022 73.69 % 62.18 % 84.38 %
Q4 2022 75.04 % 56.51 % 75.32 %
Q1 2023 73.30 % 57.90 % 78.99 %
Q2 2023 72.88 % 59.33 % 81.41 %
Q3 2023 74.47 % 55.48 % 74.50 %
Q4 2023 74.58 % 53.95 % 72.34 %
Q1 2024 74.55 % 53.81 % 72.17 %
Q2 2024 74.77 % 52.94 % 70.80 %
Q3 2024 71.50 % 52.67 % 73.67 %
Q4 2024 75.16 % 53.21 % 70.79 %
Q1 2025 73.78 % 53.02 % 71.86 %
Q2 2025 74.00 % 55.53 % 75.04 %
Q3 2025 72.26 % 53.40 % 73.90 %
Q4 2025 73.49 % 54.01 % 73.49 %
Q1 2026 72.23 % 53.98 % 74.73 %
Q2 2026 72.65 % 50.78 % 69.89 %
Q3 2026 73.14 % 53.45 % 73.08 %


Per Share Data (Dirham)

Compared With The
Period Shares Outstanding (M) EPS (Dirham) Earnings Per Share before unusual items (Dirham) EPS Diluted (Dirham) Book Value (BV)
Q1 2012 1,988.49 - - - 1.02
Q2 2012 1,988.49 - - - 1.05
Q3 2012 1,988.49 - - - 1.10
Q4 2012 1,988.49 0.15 0.15 0.28 1.14
Q1 2013 1,988.49 0.17 0.17 0.30 1.13
Q2 2013 1,988.49 0.18 0.18 0.32 1.17
Q3 2013 1,988.49 0.19 0.19 0.32 1.22
Q4 2013 1,988.49 0.20 0.20 0.34 1.27
Q1 2014 1,988.49 0.21 0.21 0.34 1.25
Q2 2014 1,988.49 0.23 0.23 0.36 1.32
Q3 2014 1,988.49 0.24 0.24 0.38 1.37
Q4 2014 1,988.49 0.25 0.25 0.40 1.44
Q1 2015 1,988.49 0.27 0.27 0.42 1.47
Q2 2015 1,988.49 0.29 0.29 0.43 1.54
Q3 2015 1,988.49 0.30 0.30 0.43 1.60
Q4 2015 1,988.49 0.28 0.28 0.40 1.65
Q1 2016 1,988.49 0.28 0.28 0.38 1.66
Q2 2016 1,988.49 0.27 0.27 0.35 1.73
Q3 2016 1,988.49 0.25 0.25 0.32 1.77
Q4 2016 1,988.49 0.23 0.23 0.29 1.80
Q1 2017 1,988.49 0.22 0.22 0.26 1.80
Q2 2017 1,988.49 0.23 0.23 0.28 1.88
Q3 2017 1,988.49 0.24 0.24 0.27 1.92
Q4 2017 1,988.49 0.24 0.24 0.26 1.96
Q1 2018 2,107.23 0.23 0.23 0.26 1.86
Q2 2018 2,107.23 0.24 0.24 0.24 1.95
Q3 2018 2,107.23 0.25 0.25 0.26 2.02
Q4 2018 2,107.23 0.29 0.29 0.30 2.08
Q1 2019 2,226.00 0.29 0.29 0.31 2.10
Q2 2019 2,226.00 0.30 0.30 0.32 2.19
Q3 2019 2,226.00 0.30 0.30 0.33 2.26
Q4 2019 2,226.00 0.25 0.25 0.27 2.28
Q1 2020 2,226.00 0.21 0.21 0.23 2.19
Q2 2020 2,226.00 0.12 0.12 0.10 2.20
Q3 2020 2,226.00 0.05 0.05 0.03 2.21
Q4 2020 2,226.00 (0.21) (0.21) (0.28) 1.97
Q1 2021 2,226.00 (0.23) (0.23) (0.29) 1.98
Q2 2021 2,226.00 (0.21) (0.21) (0.27) 1.98
Q3 2021 2,226.00 (0.20) (0.20) (0.26) 1.98
Q4 2021 2,226.00 0.05 0.05 0.02 1.97
Q1 2022 2,226.00 0.06 0.06 0.03 1.98
Q2 2022 2,226.00 0.09 0.09 0.05 2.00
Q3 2022 2,226.00 0.11 0.11 0.08 2.02
Q4 2022 2,226.00 0.15 0.15 0.13 2.05
Q1 2023 2,226.00 0.19 0.19 0.17 2.13
Q2 2023 2,226.00 0.23 0.23 0.20 2.19
Q3 2023 2,226.00 0.28 0.28 0.25 2.26
Q4 2023 2,226.00 0.33 0.33 0.25 2.37
Q1 2024 2,314.60 0.36 0.36 0.28 2.39
Q2 2024 2,314.60 0.36 0.36 0.28 2.45
Q3 2024 2,314.60 0.37 0.37 0.31 2.58
Q4 2024 2,314.60 0.37 0.37 0.29 2.66
Q1 2025 2,580.41 0.35 0.35 0.31 2.64
Q2 2025 2,580.41 0.40 0.40 0.38 2.77
Q3 2025 2,580.41 0.44 0.44 0.39 2.90
Q4 2025 2,580.41 0.47 0.47 0.47 3.00
Q1 2026 2,580.41 0.48 0.48 0.48 3.11
Q2 2026 2,580.41 0.49 0.49 0.49 3.04
Q3 2026 2,580.41 0.51 0.51 0.51 3.14

Multiple Ratios (End of Period Price)

Compared With The
Period P/E Recurring P/E Price/book
Q1 2012 - - 3.03
Q2 2012 - - 3.52
Q3 2012 - - 3.38
Q4 2012 9.42 9.42 2.99
Q1 2013 6.81 6.81 2.36
Q2 2013 6.66 6.66 2.37
Q3 2013 6.38 6.38 2.20
Q4 2013 8.05 8.05 2.80
Q1 2014 7.21 7.21 2.55
Q2 2014 5.57 5.57 1.99
Q3 2014 6.46 6.46 2.32
Q4 2014 7.04 7.04 2.52
Q1 2015 7.45 7.45 2.76
Q2 2015 5.81 5.81 2.12
Q3 2015 7.69 7.69 2.68
Q4 2015 7.23 7.23 2.26
Q1 2016 7.87 7.87 2.32
Q2 2016 9.19 9.19 2.40
Q3 2016 10.07 10.07 2.34
Q4 2016 11.20 11.20 2.30
Q1 2017 7.62 7.62 1.44
Q2 2017 8.53 8.53 1.63
Q3 2017 9.84 9.84 1.79
Q4 2017 13.70 13.70 2.38
Q1 2018 8.87 8.87 1.61
Q2 2018 10.72 10.72 1.74
Q3 2018 10.29 10.29 1.51
Q4 2018 12.56 12.56 2.07
Q1 2019 11.83 11.83 2.04
Q2 2019 12.85 12.85 2.19
Q3 2019 13.09 13.09 2.22
Q4 2019 16.35 16.35 2.21
Q1 2020 19.80 19.80 2.36
Q2 2020 43.87 43.87 2.35
Q3 2020 More than 100 More than 100 2.34
Q4 2020 NEG NEG 2.63
Q1 2021 NEG NEG 2.62
Q2 2021 NEG NEG 2.62
Q3 2021 NEG NEG 2.62
Q4 2021 More than 100 More than 100 2.64
Q1 2022 More than 100 More than 100 2.42
Q2 2022 77.98 77.98 2.40
Q3 2022 49.20 49.20 2.37
Q4 2022 33.06 33.06 2.34
Q1 2023 27.17 27.17 2.45
Q2 2023 23.34 23.34 2.52
Q3 2023 19.28 19.28 2.44
Q4 2023 18.97 18.97 2.33
Q1 2024 18.89 18.89 2.57
Q2 2024 19.24 19.24 2.50
Q3 2024 17.01 17.01 2.37
Q4 2024 14.35 14.35 1.58
Q1 2025 13.47 13.47 1.61
Q2 2025 10.45 10.45 1.43
Q3 2025 10.39 10.39 1.38
Q4 2025 10.92 10.92 1.70
Q1 2026 11.43 11.43 1.77
Q2 2026 10.16 10.16 1.64
Q3 2026 9.86 9.86 1.59

Business Segments (Million Dirham)

Compared With The
Period Banking services for companies Banking Services Banking services for individuals Treasury and Other
Q1 2017 188.75 62.46 26.42 47.00
Q2 2017 188.19 65.26 29.05 63.58
Q3 2017 195.12 67.64 29.46 50.69
Q4 2017 197.57 68.98 27.63 70.75
Q1 2018 208.76 70.36 29.34 60.74
Q2 2018 223.65 75.03 37.41 63.45
Q3 2018 242.71 70.58 34.26 65.11
Q4 2018 224.26 71.61 36.03 60.54
Q1 2019 225.97 73.51 34.34 81.63
Q2 2019 233.86 80.63 36.19 75.33
Q3 2019 248.66 80.09 34.48 76.20
Q4 2019 219.29 80.61 32.95 94.34
Q1 2020 214.63 78.74 32.69 91.43
Q2 2020 81.91 144.05 31.65 80.47
Q3 2020 133.45 104.79 38.67 29.60
Q4 2020 267.87 (26.83) 27.84 54.60
Q1 2021 126.91 121.20 34.97 77.13
Q2 2021 142.12 120.90 40.32 60.97
Q3 2021 144.51 127.00 36.53 52.07
Q4 2021 137.44 118.90 32.57 68.38
Q1 2022 155.57 132.33 40.11 84.83
Q2 2022 181.25 146.26 38.02 80.09
Q3 2022 197.57 156.47 39.65 67.71
Q4 2022 204.32 163.43 41.45 85.53
Q1 2023 218.61 177.05 41.11 117.37
Q2 2023 215.17 184.00 43.25 116.44
Q3 2023 227.39 182.59 51.19 111.52
Q4 2023 233.41 185.96 50.04 127.88
Q1 2024 225.66 212.88 52.42 123.05
Q2 2024 214.37 207.52 54.52 113.94
Q3 2024 243.88 209.81 55.15 114.73
Q4 2024 231.50 202.95 47.10 125.76
Q1 2025 245.05 229.86 57.78 142.85
Q2 2025 237.59 231.94 60.11 154.51
Q3 2025 227.47 247.23 58.29 128.98
Q4 2025 225.95 252.74 44.31 117.47
Q1 2026 266.30 208.59 55.14 171.04
Q2 2026 135.21 313.13 50.55 181.25

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