<p><strong>阿联酋沙迦，</strong> Invest Bank (INB) 今天公布了截至 2026 年 3 月 31 日的季度财务业绩，盈利能力实现强劲增长，得益于更高的营业收入、持续的资产负债表扩张以及核心业务部门的持续势头。</p>
<p>税前利润同比增长 97%，达到 2240 万阿联酋迪拉姆，税后利润增长 96%，达到 2180 万阿联酋迪拉姆。总营业收入同比增长 81%，达到 1.12 亿阿联酋迪拉姆，主要受到净利息收入和非利息收入强劲增长的推动。</p>
<p>在本季度，银行继续加强其财务状况，总资产达到 150 亿阿联酋迪拉姆，同比增长 28%（年初至今增长 6%）。客户存款增长至 122 亿阿联酋迪拉姆，同比增长 32%（年初至今增长 8%），而净贷款和垫款增加至 79 亿阿联酋迪拉姆，同比增长 56%（年初至今增长 10%），反映出客户活动和业务量的持续增长。</p>
<p>净利息收入同比增长 98%，达到 6390 万阿联酋迪拉姆，净利息收益率从去年同期的 1.1% 提高至 1.7%。</p>
<p>银行的资产质量指标也持续改善，第三阶段贷款比例从 2025 年第一季度的 50.8% 改善至 35.8%，同时保持健康的第三阶段贷款覆盖率超过 100%。</p>
<p>Invest Bank 首席执行官 Edris Al Rafi 表示：“我们的第一季度业绩反映了过去一年建立的增长势头的强劲延续，盈利能力、营业收入、资产负债表强度和核心业务活动均显著改善。</p>
<p>本季度的增长在零售、SME 和批发银行业务中广泛存在，得益于更强的客户参与、改善的资金结构和全组织的严格执行。</p>
<p>我们看到盈利质量和可持续性方面的明显进展，同时保持审慎的资本、流动性和风险状况。</p>
<p>在继续执行我们的战略优先事项时，重点仍然是建立一个更灵活、可扩展和数字化的银行，以实现长期增长和更强的股东价值。”</p>
<p>在本季度，银行在其核心业务部门继续保持健康的势头。零售银行在客户存款和活期存款余额方面保持强劲增长，得益于银行数字银行解决方案和新推出产品的采用增加。</p>
<p>SME 银行继续扩大其客户基础和融资活动，批发银行在贷款和交易活动方面实现了稳健增长，为银行的整体资产负债表扩张和收入增长做出了贡献。</p>
<p>运营费用为 9730 万阿联酋迪拉姆，银行继续投资于技术、运营能力和人才，以支持未来的增长并提升客户体验。</p>
<p>在本季度，银行保持了强劲的资本和流动性状况，资本充足率为 18.8%，合格流动资产比率为 17.4%，反映出强健的流动性状况和审慎的财务管理。</p>
<p>在本季度，集团还根据担保协议从沙迦政府获得了 1.224 亿阿联酋迪拉姆，减少了截至 2026 年 3 月的偿还资产余额至 14 亿阿联酋迪拉姆。</p>
<p>INB 继续推进其战略优先事项，专注于可持续增长、运营纪律、数字化赋能和资产负债表优化，同时保持审慎的风险管理和强劲的资本及流动性状况。</p>
<p>管理层专注于维持增长势头，同时继续加强银行的运营平台、客户能力和长期财务表现，通过严格执行和选择性战略投资。</p>
<p><strong>关于 Invest Bank：</strong></p>
<p>Invest Bank PSC (INB) 成立于 1975 年，是一家领先的公众股份公司，总部位于阿联酋沙迦。经过四十多年的显著发展，Invest Bank 已在阿联酋银行业中建立了良好的声誉，致力于提供卓越的金融服务。2019 年，沙迦政府成为战略合作伙伴，通过商业投资重申了银行的地位，其股份在阿布扎比证券交易所（ADX）公开交易。如今，Invest Bank 提供包括零售银行、企业银行和投资服务在内的多种服务。</p>
<p>请将您的新闻稿发送至 pressrelease.zawya@lseg.com</p>
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<p>本新闻稿仅供信息参考。内容不提供税务、法律或投资建议，也不对任何特定证券、投资组合或投资策略的适用性、价值或盈利能力发表意见。本网站及我们的附属机构对内容中的任何错误或不准确之处，或您依赖该内容所采取的任何行动不承担任何责任。您明确同意您使用本文中的信息自担风险。</p>
<p>在适用法律允许的最大范围内，本网站及其母公司、子公司、关联公司以及各自的股东、董事、高级职员、员工、代理人、广告商、内容提供者和许可方对您不承担任何直接、间接、后果性、特殊、附带、惩罚性或示范性损害赔偿责任，包括但不限于利润损失、储蓄损失和收入损失，无论是基于过失、侵权、合同或任何其他责任理论，即使各方已被告知可能性或能够预见到任何此类损害。</p>

标普区域银行指数 ETF - SPDR

金融业 ETF - Vanguard

金融业 ETF - SPDR

银行 ETF - PowerShares KBW

标普银行业 ETF - SPDR

<p>投资银行（INB）报告称，2026 年第一季度税前利润显著增长 97%，达到 2240 万阿联酋迪拉姆，税后利润增长 96%，达到 2180 万阿联酋迪拉姆。总营业收入激增 81%，达到 1.12 亿阿联酋迪拉姆，主要受净利息和非利息收入增长的推动。该银行的总资产同比增长 28%，达到 150 亿阿联酋迪拉姆，而客户存款增加 32%，达到 122 亿阿联酋迪拉姆。首席执行官 Edris Al Rafi 强调了银行强劲的增长势头以及对数字化赋能和可持续增长的承诺</p>

<p><strong>Sharjah, United Arab Emirates,</strong> Invest Bank (INB) today announced its financial results for the quarter ended 31 March 2026, delivering strong growth in profitability supported by higher operating income, continued balance sheet expansion and sustained momentum across its core business segments.</p>
<div class="lb-trans"><p><strong>阿联酋沙迦，</strong> Invest Bank (INB) 今天公布了截至 2026 年 3 月 31 日的季度财务业绩，盈利能力实现强劲增长，得益于更高的营业收入、持续的资产负债表扩张以及核心业务部门的持续势头。</p>
</div><p>Profit Before Tax increased by 97% year-on-year to AED 22.4 million, while Profit After Tax rose by 96% to AED 21.8 million. Total operating income increased by 81% to AED 112 million, driven by strong growth in both net interest income and non-interest income.</p>
<div class="lb-trans"><p>税前利润同比增长 97%，达到 2240 万阿联酋迪拉姆，税后利润增长 96%，达到 2180 万阿联酋迪拉姆。总营业收入同比增长 81%，达到 1.12 亿阿联酋迪拉姆，主要受到净利息收入和非利息收入强劲增长的推动。</p>
</div><p>The Bank continued to strengthen its financial position during the quarter, with total assets reaching AED 15 billion, representing a 28% year-on-year increase (+6% YTD). Customer deposits grew to AED 12.2 billion, up 32% year-on-year (+8% YTD), while net loans and advances increased to AED 7.9 billion, up 56% year-on-year (+10% YTD), reflecting continued growth in customer activity and business volumes.</p>
<div class="lb-trans"><p>在本季度，银行继续加强其财务状况，总资产达到 150 亿阿联酋迪拉姆，同比增长 28%（年初至今增长 6%）。客户存款增长至 122 亿阿联酋迪拉姆，同比增长 32%（年初至今增长 8%），而净贷款和垫款增加至 79 亿阿联酋迪拉姆，同比增长 56%（年初至今增长 10%），反映出客户活动和业务量的持续增长。</p>
</div><p>Net Interest Income increased by 98% year-on-year to AED 63.9 million, , with Net Interest Margin improved to 1.7% compared to 1.1% in the corresponding period last year.</p>
<div class="lb-trans"><p>净利息收入同比增长 98%，达到 6390 万阿联酋迪拉姆，净利息收益率从去年同期的 1.1% 提高至 1.7%。</p>
</div><p>The Bank also recorded continued improvement in asset quality indicators, with the Stage 3 loans ratio improving to 35.8% compared to 50.8% in Q1 2025, while maintaining a healthy Stage 3 loans coverage ratio over 100%.</p>
<div class="lb-trans"><p>银行的资产质量指标也持续改善，第三阶段贷款比例从 2025 年第一季度的 50.8% 改善至 35.8%，同时保持健康的第三阶段贷款覆盖率超过 100%。</p>
</div><p>Edris Al Rafi, Chief Executive Officer of Invest Bank, said: &#34;Our first quarter results reflect a strong continuation of the growth momentum established over the past year, with significant improvement across profitability, operating income, balance sheet strength and core business activity.</p>
<div class="lb-trans"><p>Invest Bank 首席执行官 Edris Al Rafi 表示：“我们的第一季度业绩反映了过去一年建立的增长势头的强劲延续，盈利能力、营业收入、资产负债表强度和核心业务活动均显著改善。</p>
</div><p>Growth during the quarter was broad-based across Retail, SME and Wholesale Banking, supported by stronger customer engagement, improved funding mix and disciplined execution across the organization.</p>
<div class="lb-trans"><p>本季度的增长在零售、SME 和批发银行业务中广泛存在，得益于更强的客户参与、改善的资金结构和全组织的严格执行。</p>
</div><p>We are seeing clear progress in the quality and sustainability of our earnings, while maintaining prudent capital, liquidity and risk positions.</p>
<div class="lb-trans"><p>我们看到盈利质量和可持续性方面的明显进展，同时保持审慎的资本、流动性和风险状况。</p>
</div><p>As we continue executing our strategic priorities, the focus remains on building a more agile, scalable and digitally enabled bank positioned for long-term growth and stronger shareholder value”.</p>
<div class="lb-trans"><p>在继续执行我们的战略优先事项时，重点仍然是建立一个更灵活、可扩展和数字化的银行，以实现长期增长和更强的股东价值。”</p>
</div><p>The Bank continued to record healthy momentum across its core business segments during the quarter. Retail Banking maintained strong growth in customer deposits and CASA balances, supported by increased adoption of the Bank’s digital banking solutions and newly introduced products.</p>
<div class="lb-trans"><p>在本季度，银行在其核心业务部门继续保持健康的势头。零售银行在客户存款和活期存款余额方面保持强劲增长，得益于银行数字银行解决方案和新推出产品的采用增加。</p>
</div><p>SME Banking continued to expand its customer base and financing activity across targeted sectors, while Wholesale Banking recorded solid growth in lending and transaction activity, contributing to the Bank’s overall balance sheet expansion and revenue growth.</p>
<div class="lb-trans"><p>SME 银行继续扩大其客户基础和融资活动，批发银行在贷款和交易活动方面实现了稳健增长，为银行的整体资产负债表扩张和收入增长做出了贡献。</p>
</div><p>Operating expenses stood at AED 97.3 million as the Bank continued to invest in technology, operational capabilities and talent to support future growth and enhance customer experience across the organization.</p>
<div class="lb-trans"><p>运营费用为 9730 万阿联酋迪拉姆，银行继续投资于技术、运营能力和人才，以支持未来的增长并提升客户体验。</p>
</div><p>The Bank maintained strong capital and liquidity positions during the quarter, with a Capital Adequacy Ratio of 18.8% and Eligible Liquid Asset Ratio of 17.4%, reflecting robust liquidity position and prudent financial management.</p>
<div class="lb-trans"><p>在本季度，银行保持了强劲的资本和流动性状况，资本充足率为 18.8%，合格流动资产比率为 17.4%，反映出强健的流动性状况和审慎的财务管理。</p>
</div><p>During the quarter, the Group also received AED 122.4 million from the Government of Sharjah under the Guarantee Agreement, reducing the reimbursement asset balance to AED 1.4 billion as of March 2026.</p>
<div class="lb-trans"><p>在本季度，集团还根据担保协议从沙迦政府获得了 1.224 亿阿联酋迪拉姆，减少了截至 2026 年 3 月的偿还资产余额至 14 亿阿联酋迪拉姆。</p>
</div><p>INB continues to advance its strategic priorities focused on sustainable growth, operational discipline, digital enablement and balance sheet optimization, while maintaining prudent risk management and strong capital and liquidity positions.</p>
<div class="lb-trans"><p>INB 继续推进其战略优先事项，专注于可持续增长、运营纪律、数字化赋能和资产负债表优化，同时保持审慎的风险管理和强劲的资本及流动性状况。</p>
</div><p>Management remains focused on sustaining growth momentum while continuing to strengthen the Bank’s operating platform, customer capabilities and long-term financial performance through disciplined execution and selective strategic investments.</p>
<div class="lb-trans"><p>管理层专注于维持增长势头，同时继续加强银行的运营平台、客户能力和长期财务表现，通过严格执行和选择性战略投资。</p>
</div><p><strong>About Invest Bank:</strong></p>
<div class="lb-trans"><p><strong>关于 Invest Bank：</strong></p>
</div><p>Founded in 1975, Invest Bank PSC (INB) is a leading public shareholding company, headquartered in Sharjah, UAE. With over four decades of significant presence, Invest Bank has established itself as a reputable entity within the UAE’s banking sector, committed to delivering exceptional financial services. In 2019, the Government of Sharjah became a strategic partner, reaffirming the bank's position through commercial investment, with its shares publicly traded on the Abu Dhabi Securities Exchange (ADX). Today, Invest Bank offers a wide array of services including retail banking, corporate banking and investment services.</p>
<div class="lb-trans"><p>Invest Bank PSC (INB) 成立于 1975 年，是一家领先的公众股份公司，总部位于阿联酋沙迦。经过四十多年的显著发展，Invest Bank 已在阿联酋银行业中建立了良好的声誉，致力于提供卓越的金融服务。2019 年，沙迦政府成为战略合作伙伴，通过商业投资重申了银行的地位，其股份在阿布扎比证券交易所（ADX）公开交易。如今，Invest Bank 提供包括零售银行、企业银行和投资服务在内的多种服务。</p>
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<div class="lb-trans"><p>免责声明：本新闻稿的内容由外部第三方提供。本网站不对该外部内容负责，也不控制该内容。该内容以 “原样” 和 “可用” 为基础提供，未经过任何编辑。本网站及我们的附属机构不保证该新闻稿中表达的观点或意见的准确性。</p>
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ZAWYA: Invest Bank (INB) 公布 2026 年第一季度强劲业绩，税前利润增长 97%