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
Operating Summary
Revenue	847.28M	648.63M	540.11M	408.53M	313.91M
Interest Income	1.29B	1.19B	0.92B	0.58B	0.48B
Interest Expense	712.56M	725.99M	526.67M	262.92M	200.31M
Pretax Income	481.86M	330.77M	255.31M	154.72M	70.19M
Income Tax	44.00M	29.81M	—	—	—
Net Income	437.86M	300.96M	255.31M	154.72M	70.19M
Net Interest Income	578.65M	466.56M	394.94M	321.57M	277.81M
Non-Interest Income	217.90M	139.25M	181.52M	179.22M	171.82M
Non-Interest Expense	365.42M	313.44M	284.24M	251.80M	241.13M
Loan Loss Provisions	-50.74M	-42.83M	36.35M	92.26M	135.73M
EPS (Basic)	0.18	0.15	0.12	0.08	0.03
EPS (Diluted)	0.18	0.15	0.12	0.08	0.03
DPS	0.04	—	—	—	—
Margins & Efficiency
Net Margin %	+51.7%	+46.4%	+47.3%	+37.9%	+22.4%
Revenue & Income
Revenue	847.28M	648.63M	540.11M	408.53M	313.91M
Revenue	847.28M	648.63M	540.11M	408.53M	313.91M
Revenue Growth (YoY)	+30.6%	+20.1%	+32.2%	+30.1%	—
Revenues Before Loan Losses	796.54M	605.80M	576.46M	500.79M	449.63M
Interest Income on Loans	1.29B	1.19B	0.92B	0.58B	0.48B
Net Interest Income	578.65M	466.56M	394.94M	321.57M	277.81M
Net Interest Income Growth (YoY)	+24.0%	+18.1%	+22.8%	+15.8%	-5.3%
Non-Interest Income Growth (YoY)	+56.5%	-23.3%	+1.3%	+4.3%	+57.0%
Total Non-Interest Income	217.90M	139.25M	181.52M	179.22M	171.82M
Other Non-Interest Income	154.98M	138.92M	127.23M	113.10M	131.05M
Gain (Loss) on Sale of Assets	15.32M	—	54.30M	66.12M	—
Gain (Loss) on Sale of Investments	47.59M	0.33M	—	—	40.78M
Expenses & Provisions
Interest Paid on Deposits	712.56M	725.99M	526.67M	262.92M	200.31M
Total Non-Interest Expense	365.42M	313.44M	284.24M	251.80M	241.13M
Other Non-Interest Expense	116.03M	86.73M	80.44M	82.32M	75.67M
Provision for Loan Losses	-50.74M	-42.83M	36.35M	92.26M	135.73M
Salaries and Employee Benefits	228.25M	204.65M	181.33M	146.17M	140.55M
Occupancy Expenses	21.15M	22.06M	22.48M	23.32M	24.90M
Asset Writedown	—	-4.42M	-0.56M	-2.00M	-2.59M
Profitability & Returns
EBT Excluding Unusual Items	481.86M	335.19M	255.87M	156.72M	72.78M
Pretax Income	481.86M	330.77M	255.31M	154.72M	70.19M
Profit Margin	+51.7%	+46.4%	+47.3%	+37.9%	+22.4%
Net Income	437.86M	300.96M	255.31M	154.72M	70.19M
Net Income to Common	437.86M	300.96M	255.31M	154.72M	70.19M
Net Income Growth	+45.5%	+17.9%	+65.0%	+120.4%	—
Income Tax Expense	44.00M	29.81M	—	—	—
Effective Tax Rate	+9.1%	+9.0%	—	—	—
Per Share & Capital
EPS (Basic)	0.18	0.15	0.12	0.08	0.03
EPS (Diluted)	0.18	0.15	0.12	0.08	0.03
EPS Growth	+21.5%	+17.8%	+65.2%	+120.4%	—
Dividend Per Share	0.04	—	—	—	—
Shares Change (YoY)	0.2	0	-0	—	—
Shares Outstanding (Basic)	2.47B	2.06B	2.06B	2.06B	2.06B
Shares Outstanding (Diluted)	2.47B	2.06B	2.06B	2.06B	2.06B
Free Cash Flow	-2.36B	-3.35B	-0.73B	0.69B	2.07B
Free Cash Flow Margin	-278.2%	-516.4%	-135.6%	+170.0%	+658.9%
Free Cash Flow Per Share	-0.96	-1.63	-0.36	0.34	1.00
Payout Ratio	+10.1%	+14.8%	+8.7%	—	—

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
Operating Summary
Revenue	847.28M	648.63M	540.11M	408.53M	313.91M
Interest Income	1.29B	1.19B	0.92B	0.58B	0.48B
Interest Expense	712.56M	725.99M	526.67M	262.92M	200.31M
Pretax Income	481.86M	330.77M	255.31M	154.72M	70.19M
Income Tax	44.00M	29.81M	—	—	—
Net Income	437.86M	300.96M	255.31M	154.72M	70.19M
Net Interest Income	578.65M	466.56M	394.94M	321.57M	277.81M
Non-Interest Income	217.90M	139.25M	181.52M	179.22M	171.82M
Non-Interest Expense	365.42M	313.44M	284.24M	251.80M	241.13M
Loan Loss Provisions	-50.74M	-42.83M	36.35M	92.26M	135.73M
EPS (Basic)	0.18	0.15	0.12	0.08	0.03
EPS (Diluted)	0.18	0.15	0.12	0.08	0.03
DPS	0.04	—	—	—	—
Margins & Efficiency
Net Margin %	+51.7%	+46.4%	+47.3%	+37.9%	+22.4%
Revenue & Income
Revenue	847.28M	648.63M	540.11M	408.53M	313.91M
Revenue	847.28M	648.63M	540.11M	408.53M	313.91M
Revenue Growth (YoY)	+30.6%	+20.1%	+32.2%	+30.1%	—
Revenues Before Loan Losses	796.54M	605.80M	576.46M	500.79M	449.63M
Interest Income on Loans	1.29B	1.19B	0.92B	0.58B	0.48B
Net Interest Income	578.65M	466.56M	394.94M	321.57M	277.81M
Net Interest Income Growth (YoY)	+24.0%	+18.1%	+22.8%	+15.8%	-5.3%
Non-Interest Income Growth (YoY)	+56.5%	-23.3%	+1.3%	+4.3%	+57.0%
Total Non-Interest Income	217.90M	139.25M	181.52M	179.22M	171.82M
Other Non-Interest Income	154.98M	138.92M	127.23M	113.10M	131.05M
Gain (Loss) on Sale of Assets	15.32M	—	54.30M	66.12M	—
Gain (Loss) on Sale of Investments	47.59M	0.33M	—	—	40.78M
Expenses & Provisions
Interest Paid on Deposits	712.56M	725.99M	526.67M	262.92M	200.31M
Total Non-Interest Expense	365.42M	313.44M	284.24M	251.80M	241.13M
Other Non-Interest Expense	116.03M	86.73M	80.44M	82.32M	75.67M
Provision for Loan Losses	-50.74M	-42.83M	36.35M	92.26M	135.73M
Salaries and Employee Benefits	228.25M	204.65M	181.33M	146.17M	140.55M
Occupancy Expenses	21.15M	22.06M	22.48M	23.32M	24.90M
Asset Writedown	—	-4.42M	-0.56M	-2.00M	-2.59M
Profitability & Returns
EBT Excluding Unusual Items	481.86M	335.19M	255.87M	156.72M	72.78M
Pretax Income	481.86M	330.77M	255.31M	154.72M	70.19M
Profit Margin	+51.7%	+46.4%	+47.3%	+37.9%	+22.4%
Net Income	437.86M	300.96M	255.31M	154.72M	70.19M
Net Income to Common	437.86M	300.96M	255.31M	154.72M	70.19M
Net Income Growth	+45.5%	+17.9%	+65.0%	+120.4%	—
Income Tax Expense	44.00M	29.81M	—	—	—
Effective Tax Rate	+9.1%	+9.0%	—	—	—
Per Share & Capital
EPS (Basic)	0.18	0.15	0.12	0.08	0.03
EPS (Diluted)	0.18	0.15	0.12	0.08	0.03
EPS Growth	+21.5%	+17.8%	+65.2%	+120.4%	—
Dividend Per Share	0.04	—	—	—	—
Shares Change (YoY)	0.2	0	-0	—	—
Shares Outstanding (Basic)	2.47B	2.06B	2.06B	2.06B	2.06B
Shares Outstanding (Diluted)	2.47B	2.06B	2.06B	2.06B	2.06B
Free Cash Flow	-2.36B	-3.35B	-0.73B	0.69B	2.07B
Free Cash Flow Margin	-278.2%	-516.4%	-135.6%	+170.0%	+658.9%
Free Cash Flow Per Share	-0.96	-1.63	-0.36	0.34	1.00
Payout Ratio	+10.1%	+14.8%	+8.7%	—	—