United Arab Bank

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Assets
Cash & Equivalents	2.69B	2.58B	2.14B	1.25B	2.00B
Total Assets	27.00B	21.46B	17.65B	14.08B	15.18B
Investment Securities	6.00B	4.55B	2.96B	2.75B	2.72B
Trading Assets	22.87M	51.27M	57.48M	84.79M	16.05M
Gross Loans	14.98B	12.07B	10.01B	8.24B	8.91B
Net Loans	14.55B	11.53B	9.36B	7.60B	8.21B
Allowance for Loan Losses	-429.02M	-547.77M	-654.64M	-635.34M	-700.39M
Liabilities
Total Deposits	19.46B	15.94B	12.20B	10.80B	12.11B
Interest-Bearing Deposits	12.97B	11.33B	8.40B	7.67B	9.00B
Non-Interest-Bearing Deposits	6.49B	4.60B	3.80B	3.13B	3.11B
Total Debt	2.70B	1.99B	2.52B	1.05B	0.83B
Total Liabilities	22.97B	18.91B	15.36B	12.58B	13.67B
Equity & Ownership
Total Equity	4.03B	2.55B	2.29B	1.50B	1.51B
Shares Outstanding	3,093,825,974	2,062,550,649	2,056,084,504	2,062,550,649	2,062,550,649
Cash & Assets
Total Assets	27.00B	21.46B	17.65B	14.08B	15.18B
Cash & Equivalents	2.69B	2.58B	2.14B	1.25B	2.00B
Net Cash (Debt)	0.01B	0.65B	-0.32B	0.29B	1.19B
Net Cash Per Share	0.00	0.31	-0.15	0.14	0.57
Net Cash Growth	-98.7%	—	—	-75.8%	+231.5%
Restricted Cash	940.09M	226.54M	313.43M	257.67M	266.84M
Property, Plant & Equipment	181.10M	173.76M	189.16M	295.70M	308.16M
Other Intangible Assets	73.60M	38.95M	—	—	—
Other Current Assets	440.51M	648.12M	294.77M	530.31M	626.76M
Other Long-Term Assets	1.86B	1.46B	2.13B	1.14B	0.81B
Long-Term Leases	—	7.18M	8.28M	1.18M	6.16M
Loans & Investments
Gross Loans	14.98B	12.07B	10.01B	8.24B	8.91B
Net Loans	14.55B	11.53B	9.36B	7.60B	8.21B
Allowance for Loan Losses	-429.02M	-547.77M	-654.64M	-635.34M	-700.39M
Investment Securities	6.00B	4.55B	2.96B	2.75B	2.72B
Trading Asset Securities	22.87M	51.27M	57.48M	84.79M	16.05M
Total Investments	6.03B	4.60B	3.02B	2.83B	2.73B
Liabilities & Obligations
Total Liabilities	22.97B	18.91B	15.36B	12.58B	13.67B
Total Liabilities & Equity	27.00B	21.46B	17.65B	14.08B	15.18B
Accrued Expenses	64.95M	50.73M	62.97M	53.28M	33.95M
Accrued Interest Payable	173.90M	166.38M	132.69M	105.46M	79.38M
Accrued Interest Receivable	210.45M	157.97M	142.66M	97.59M	60.24M
Current Income Taxes Payable	44.03M	29.81M	—	—	—
Other Current Liabilities	321.50M	477.30M	258.29M	401.64M	426.47M
Other Long-Term Liabilities	163.45M	234.69M	164.00M	151.19M	169.30M
Pension & Post-Retirement Benefits	25.41M	21.70M	18.89M	17.25M	18.81M
Long-Term Deferred Tax Liabilities	10.18M	2.07M	—	—	—
Debt & Funding
Total Debt	2.70B	1.99B	2.52B	1.05B	0.83B
Current Portion of Long-Term Debt	—	734.60M	—	—	—
Long-Term Debt	1.00B	—	0.73B	—	—
Short-Term Borrowings	1.70B	1.25B	1.78B	1.05B	0.83B
Total Deposits	19.46B	15.94B	12.20B	10.80B	12.11B
Interest Bearing Deposits	12.97B	11.33B	8.40B	7.67B	9.00B
Non-Interest Bearing Deposits	6.49B	4.60B	3.80B	3.13B	3.11B
Equity & Book Value
Shareholders' Equity	4.03B	2.55B	2.29B	1.50B	1.51B
Common Stock	3.09B	2.06B	2.06B	2.06B	2.06B
Retained Earnings	403.22M	39.30M	-200.63M	-409.59M	-558.31M
Treasury Stock	—	-3.01M	-3.89M	—	—
Comprehensive Income & Other	534.61M	452.64M	431.71M	-153.62M	7.66M
Book Value Per Share	1.13	0.97	0.85	0.73	0.73
Tangible Book Value	3.96B	2.51B	2.29B	1.50B	1.51B
Tangible Book Value Per Share	1.10	0.95	0.85	0.73	0.73
Filing Date Shares Outstanding	3.09B	2.06B	2.06B	2.06B	2.06B
Total Common Shares Outstanding	3.09B	2.06B	2.06B	2.06B	2.06B
Supplemental
Other Real Estate Owned & Foreclosed	26.09M	49.72M	58.98M	69.91M	156.74M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (AED)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Assets
Cash & Equivalents	2.69B	2.58B	2.14B	1.25B	2.00B
Total Assets	27.00B	21.46B	17.65B	14.08B	15.18B
Investment Securities	6.00B	4.55B	2.96B	2.75B	2.72B
Trading Assets	22.87M	51.27M	57.48M	84.79M	16.05M
Gross Loans	14.98B	12.07B	10.01B	8.24B	8.91B
Net Loans	14.55B	11.53B	9.36B	7.60B	8.21B
Allowance for Loan Losses	-429.02M	-547.77M	-654.64M	-635.34M	-700.39M
Liabilities
Total Deposits	19.46B	15.94B	12.20B	10.80B	12.11B
Interest-Bearing Deposits	12.97B	11.33B	8.40B	7.67B	9.00B
Non-Interest-Bearing Deposits	6.49B	4.60B	3.80B	3.13B	3.11B
Total Debt	2.70B	1.99B	2.52B	1.05B	0.83B
Total Liabilities	22.97B	18.91B	15.36B	12.58B	13.67B
Equity & Ownership
Total Equity	4.03B	2.55B	2.29B	1.50B	1.51B
Shares Outstanding	3,093,825,974	2,062,550,649	2,056,084,504	2,062,550,649	2,062,550,649
Cash & Assets
Total Assets	27.00B	21.46B	17.65B	14.08B	15.18B
Cash & Equivalents	2.69B	2.58B	2.14B	1.25B	2.00B
Net Cash (Debt)	0.01B	0.65B	-0.32B	0.29B	1.19B
Net Cash Per Share	0.00	0.31	-0.15	0.14	0.57
Net Cash Growth	-98.7%	—	—	-75.8%	+231.5%
Restricted Cash	940.09M	226.54M	313.43M	257.67M	266.84M
Property, Plant & Equipment	181.10M	173.76M	189.16M	295.70M	308.16M
Other Intangible Assets	73.60M	38.95M	—	—	—
Other Current Assets	440.51M	648.12M	294.77M	530.31M	626.76M
Other Long-Term Assets	1.86B	1.46B	2.13B	1.14B	0.81B
Long-Term Leases	—	7.18M	8.28M	1.18M	6.16M
Loans & Investments
Gross Loans	14.98B	12.07B	10.01B	8.24B	8.91B
Net Loans	14.55B	11.53B	9.36B	7.60B	8.21B
Allowance for Loan Losses	-429.02M	-547.77M	-654.64M	-635.34M	-700.39M
Investment Securities	6.00B	4.55B	2.96B	2.75B	2.72B
Trading Asset Securities	22.87M	51.27M	57.48M	84.79M	16.05M
Total Investments	6.03B	4.60B	3.02B	2.83B	2.73B
Liabilities & Obligations
Total Liabilities	22.97B	18.91B	15.36B	12.58B	13.67B
Total Liabilities & Equity	27.00B	21.46B	17.65B	14.08B	15.18B
Accrued Expenses	64.95M	50.73M	62.97M	53.28M	33.95M
Accrued Interest Payable	173.90M	166.38M	132.69M	105.46M	79.38M
Accrued Interest Receivable	210.45M	157.97M	142.66M	97.59M	60.24M
Current Income Taxes Payable	44.03M	29.81M	—	—	—
Other Current Liabilities	321.50M	477.30M	258.29M	401.64M	426.47M
Other Long-Term Liabilities	163.45M	234.69M	164.00M	151.19M	169.30M
Pension & Post-Retirement Benefits	25.41M	21.70M	18.89M	17.25M	18.81M
Long-Term Deferred Tax Liabilities	10.18M	2.07M	—	—	—
Debt & Funding
Total Debt	2.70B	1.99B	2.52B	1.05B	0.83B
Current Portion of Long-Term Debt	—	734.60M	—	—	—
Long-Term Debt	1.00B	—	0.73B	—	—
Short-Term Borrowings	1.70B	1.25B	1.78B	1.05B	0.83B
Total Deposits	19.46B	15.94B	12.20B	10.80B	12.11B
Interest Bearing Deposits	12.97B	11.33B	8.40B	7.67B	9.00B
Non-Interest Bearing Deposits	6.49B	4.60B	3.80B	3.13B	3.11B
Equity & Book Value
Shareholders' Equity	4.03B	2.55B	2.29B	1.50B	1.51B
Common Stock	3.09B	2.06B	2.06B	2.06B	2.06B
Retained Earnings	403.22M	39.30M	-200.63M	-409.59M	-558.31M
Treasury Stock	—	-3.01M	-3.89M	—	—
Comprehensive Income & Other	534.61M	452.64M	431.71M	-153.62M	7.66M
Book Value Per Share	1.13	0.97	0.85	0.73	0.73
Tangible Book Value	3.96B	2.51B	2.29B	1.50B	1.51B
Tangible Book Value Per Share	1.10	0.95	0.85	0.73	0.73
Filing Date Shares Outstanding	3.09B	2.06B	2.06B	2.06B	2.06B
Total Common Shares Outstanding	3.09B	2.06B	2.06B	2.06B	2.06B
Supplemental
Other Real Estate Owned & Foreclosed	26.09M	49.72M	58.98M	69.91M	156.74M