National Bank of Umm Al Qaiwain reported a profit after tax of AED378 million for the nine months ended September 30, 2026, the lender said on Friday, according to state news agency WAM.
That is down 18.7% from the AED465 million the bank reported for the first nine months of 2025.
Total interest income rose 11% to AED781 million from AED704 million a year earlier. Net interest income was AED469 million.
Operating expenses rose 13% to AED172 million, and the cost-to-income ratio stood at 28.2%, Khaleej Times reported.
Total assets reached AED25.1 billion at the end of September, up 10% from December 2025 and 15% from a year earlier.
Net loans and advances rose to AED9.6 billion, up 10% year on year. Customer deposits climbed 22% from a year earlier to AED17.9 billion.
The non-performing loans ratio fell to 0.4% from 0.9% a year earlier. The capital adequacy ratio stood at 29.7%, and shareholders’ equity was AED6.7 billion.
Chief Executive Officer Adnan Al Awadhi said the bank made progress on its strategic priorities despite “a challenging operating environment marked by geopolitical uncertainty.”
The Umm Al Quwain-based lender is listed on the Abu Dhabi Securities Exchange.
