United Arab Bank

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operations
Operating Cash Flow	-1.06B	-0.50B	-0.92B	-0.82B	0.01B
Free Cash Flow	-1.08B	-0.52B	-0.94B	-0.84B	-0.01B
Capital Expenditures	-20.86M	-17.26M	-23.49M	-15.97M	-13.55M
Investing & Financing
Investing Cash Flow	-599.37M	-466.53M	-734.36M	227.08M	-764.75M
Financing Cash Flow	-1.29B	3.70B	-0.23B	0.64B	1.37B
Dividends Paid	-131.66M	—	-22.20M	-22.20M	—
Share Repurchase	—	-0.01M	—	—	—
Operating Activities
Operating Cash Flow	-1.06B	-0.50B	-0.92B	-0.82B	0.01B
Net Income	75.06M	122.29M	107.82M	106.18M	101.56M
Change in Other Net Operating Assets	-1.18B	-0.65B	-1.04B	-0.94B	-0.08B
Net Increase (Decrease) in Deposit Accounts	-1.16B	3.44B	-1.23B	0.66B	1.36B
Other Operating Activities	9.36M	-62.67M	-0.66M	18.78M	7.77M
Provision for Credit Losses	23.06M	91.47M	43.67M	-28.38M	-15.33M
Depreciation & Amortization	6.08M	5.05M	4.59M	6.16M	5.35M
Other Amortization	510.00K	626.00K	461.00K	457.00K	459.00K
Total Asset Writedown	—	4.00M	-16.82M	22.78M	-0.00M
Investing Activities
Investing Cash Flow	-599.37M	-466.53M	-734.36M	227.08M	-764.75M
Capital Expenditures	-20.86M	-17.26M	-23.49M	-15.97M	-13.55M
Investment in Securities	-578.52M	-449.27M	-710.87M	243.04M	-780.21M
Other Investing Activities	—	—	—	—	29.00M
Sale of Property, Plant and Equipment	0.01M	—	—	0.02M	0.01M
Gain (Loss) on Sale of Assets	-0.01M	—	—	-0.02M	-15.33M
Gain (Loss) on Sale of Investments	5.06M	-18.63M	-18.20M	-11.66M	0.79M
Financing Activities
Financing Cash Flow	-1.29B	3.70B	-0.23B	0.64B	1.37B
Common Dividends Paid	-131.66M	—	-22.20M	-22.20M	—
Issuance of Common Stock	—	—	1.03B	0.00B	—
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
Free Cash Flow & Returns
Free Cash Flow	-1.08B	-0.52B	-0.94B	-0.84B	-0.01B
Free Cash Flow Growth	—	—	—	—	—
Free Cash Flow Margin	-616.5%	-224.4%	-449.7%	-407.8%	-4.1%
Free Cash Flow Per Share	-0.35	-0.17	-0.35	-0.40	-0.00
Operating Cash Flow Growth	—	—	—	—	—
Net Cash Flow	-2.94B	2.73B	-1.88B	0.04B	0.61B

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operations
Operating Cash Flow	-1.06B	-0.50B	-0.92B	-0.82B	0.01B
Free Cash Flow	-1.08B	-0.52B	-0.94B	-0.84B	-0.01B
Capital Expenditures	-20.86M	-17.26M	-23.49M	-15.97M	-13.55M
Investing & Financing
Investing Cash Flow	-599.37M	-466.53M	-734.36M	227.08M	-764.75M
Financing Cash Flow	-1.29B	3.70B	-0.23B	0.64B	1.37B
Dividends Paid	-131.66M	—	-22.20M	-22.20M	—
Share Repurchase	—	-0.01M	—	—	—
Operating Activities
Operating Cash Flow	-1.06B	-0.50B	-0.92B	-0.82B	0.01B
Net Income	75.06M	122.29M	107.82M	106.18M	101.56M
Change in Other Net Operating Assets	-1.18B	-0.65B	-1.04B	-0.94B	-0.08B
Net Increase (Decrease) in Deposit Accounts	-1.16B	3.44B	-1.23B	0.66B	1.36B
Other Operating Activities	9.36M	-62.67M	-0.66M	18.78M	7.77M
Provision for Credit Losses	23.06M	91.47M	43.67M	-28.38M	-15.33M
Depreciation & Amortization	6.08M	5.05M	4.59M	6.16M	5.35M
Other Amortization	510.00K	626.00K	461.00K	457.00K	459.00K
Total Asset Writedown	—	4.00M	-16.82M	22.78M	-0.00M
Investing Activities
Investing Cash Flow	-599.37M	-466.53M	-734.36M	227.08M	-764.75M
Capital Expenditures	-20.86M	-17.26M	-23.49M	-15.97M	-13.55M
Investment in Securities	-578.52M	-449.27M	-710.87M	243.04M	-780.21M
Other Investing Activities	—	—	—	—	29.00M
Sale of Property, Plant and Equipment	0.01M	—	—	0.02M	0.01M
Gain (Loss) on Sale of Assets	-0.01M	—	—	-0.02M	-15.33M
Gain (Loss) on Sale of Investments	5.06M	-18.63M	-18.20M	-11.66M	0.79M
Financing Activities
Financing Cash Flow	-1.29B	3.70B	-0.23B	0.64B	1.37B
Common Dividends Paid	-131.66M	—	-22.20M	-22.20M	—
Issuance of Common Stock	—	—	1.03B	0.00B	—
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
Free Cash Flow & Returns
Free Cash Flow	-1.08B	-0.52B	-0.94B	-0.84B	-0.01B
Free Cash Flow Growth	—	—	—	—	—
Free Cash Flow Margin	-616.5%	-224.4%	-449.7%	-407.8%	-4.1%
Free Cash Flow Per Share	-0.35	-0.17	-0.35	-0.40	-0.00
Operating Cash Flow Growth	—	—	—	—	—
Net Cash Flow	-2.94B	2.73B	-1.88B	0.04B	0.61B