United Arab Bank

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operations
Operating Cash Flow	-0.50B	-0.92B	-0.82B	-0.04B	-0.74B
Free Cash Flow	-0.52B	-0.94B	-0.84B	-0.05B	-0.76B
Capital Expenditures	-17.26M	-23.49M	-15.97M	-13.55M	-23.67M
Investing & Financing
Investing Cash Flow	-466.53M	-734.36M	227.08M	-764.75M	-451.08M
Financing Cash Flow	3.70B	-0.23B	0.64B	1.37B	1.55B
Dividends Paid	—	-22.20M	-22.20M	—	—
Share Repurchase	-0.01M	—	—	—	—
Operating Activities
Operating Cash Flow	-0.50B	-0.92B	-0.82B	-0.04B	-0.74B
Net Income	122.29M	107.82M	106.18M	101.56M	88.70M
Change in Other Net Operating Assets	-0.65B	-1.04B	-0.94B	-0.12B	-0.82B
Net Increase (Decrease) in Deposit Accounts	3.44B	-1.23B	0.66B	1.36B	1.55B
Other Operating Activities	-62.67M	-0.66M	18.78M	7.77M	8.72M
Provision for Credit Losses	91.47M	43.67M	-28.38M	-15.33M	-23.71M
Depreciation & Amortization	5.05M	4.59M	6.16M	5.35M	6.17M
Other Amortization	626.00K	461.00K	457.00K	459.00K	460.00K
Total Asset Writedown	4.00M	-16.82M	22.78M	-0.00M	3.76M
Investing Activities
Investing Cash Flow	-466.53M	-734.36M	227.08M	-764.75M	-451.08M
Capital Expenditures	-17.26M	-23.49M	-15.97M	-13.55M	-23.67M
Investment in Securities	-449.27M	-710.87M	243.04M	-780.21M	-427.42M
Other Investing Activities	—	—	—	29.00M	—
Sale of Property, Plant and Equipment	—	—	0.02M	0.01M	—
Gain (Loss) on Sale of Assets	—	—	-0.02M	-15.33M	—
Gain (Loss) on Sale of Investments	-18.63M	-18.20M	-11.66M	0.79M	0.95M
Financing Activities
Financing Cash Flow	3.70B	-0.23B	0.64B	1.37B	1.55B
Common Dividends Paid	—	-22.20M	-22.20M	—	—
Issuance of Common Stock	—	1.03B	0.00B	—	0.01B
Repurchase of Common Stock	-0.01M	—	—	—	—
Total Debt Issued	1.00B	—	—	—	—
Total Debt Repaid	-734.60M	—	—	—	—
Net Debt Issued (Repaid)	265.40M	—	—	—	—
Other Financing Activities	-4.20M	-8.44M	-0.26M	0.23M	0.02M
Free Cash Flow & Returns
Free Cash Flow	-0.52B	-0.94B	-0.84B	-0.05B	-0.76B
Free Cash Flow Growth	—	—	—	—	—
Free Cash Flow Margin	-224.4%	-449.7%	-407.8%	-26.4%	-396.5%
Free Cash Flow Per Share	-0.17	-0.35	-0.40	-0.03	-0.37
Operating Cash Flow Growth	—	—	—	—	—
Net Cash Flow	2.73B	-1.88B	0.04B	0.56B	0.36B

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Operations
Operating Cash Flow	-0.50B	-0.92B	-0.82B	-0.04B	-0.74B
Free Cash Flow	-0.52B	-0.94B	-0.84B	-0.05B	-0.76B
Capital Expenditures	-17.26M	-23.49M	-15.97M	-13.55M	-23.67M
Investing & Financing
Investing Cash Flow	-466.53M	-734.36M	227.08M	-764.75M	-451.08M
Financing Cash Flow	3.70B	-0.23B	0.64B	1.37B	1.55B
Dividends Paid	—	-22.20M	-22.20M	—	—
Share Repurchase	-0.01M	—	—	—	—
Operating Activities
Operating Cash Flow	-0.50B	-0.92B	-0.82B	-0.04B	-0.74B
Net Income	122.29M	107.82M	106.18M	101.56M	88.70M
Change in Other Net Operating Assets	-0.65B	-1.04B	-0.94B	-0.12B	-0.82B
Net Increase (Decrease) in Deposit Accounts	3.44B	-1.23B	0.66B	1.36B	1.55B
Other Operating Activities	-62.67M	-0.66M	18.78M	7.77M	8.72M
Provision for Credit Losses	91.47M	43.67M	-28.38M	-15.33M	-23.71M
Depreciation & Amortization	5.05M	4.59M	6.16M	5.35M	6.17M
Other Amortization	626.00K	461.00K	457.00K	459.00K	460.00K
Total Asset Writedown	4.00M	-16.82M	22.78M	-0.00M	3.76M
Investing Activities
Investing Cash Flow	-466.53M	-734.36M	227.08M	-764.75M	-451.08M
Capital Expenditures	-17.26M	-23.49M	-15.97M	-13.55M	-23.67M
Investment in Securities	-449.27M	-710.87M	243.04M	-780.21M	-427.42M
Other Investing Activities	—	—	—	29.00M	—
Sale of Property, Plant and Equipment	—	—	0.02M	0.01M	—
Gain (Loss) on Sale of Assets	—	—	-0.02M	-15.33M	—
Gain (Loss) on Sale of Investments	-18.63M	-18.20M	-11.66M	0.79M	0.95M
Financing Activities
Financing Cash Flow	3.70B	-0.23B	0.64B	1.37B	1.55B
Common Dividends Paid	—	-22.20M	-22.20M	—	—
Issuance of Common Stock	—	1.03B	0.00B	—	0.01B
Repurchase of Common Stock	-0.01M	—	—	—	—
Total Debt Issued	1.00B	—	—	—	—
Total Debt Repaid	-734.60M	—	—	—	—
Net Debt Issued (Repaid)	265.40M	—	—	—	—
Other Financing Activities	-4.20M	-8.44M	-0.26M	0.23M	0.02M
Free Cash Flow & Returns
Free Cash Flow	-0.52B	-0.94B	-0.84B	-0.05B	-0.76B
Free Cash Flow Growth	—	—	—	—	—
Free Cash Flow Margin	-224.4%	-449.7%	-407.8%	-26.4%	-396.5%
Free Cash Flow Per Share	-0.17	-0.35	-0.40	-0.03	-0.37
Operating Cash Flow Growth	—	—	—	—	—
Net Cash Flow	2.73B	-1.88B	0.04B	0.56B	0.36B