United Arab Bank P.J.S.C. (ADX:UAB)

United Arab Bank P.J.S.C. Income Statement

Financials in millions AED. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	1,250	1,193	921.61	584.48	478.12	641.93
Interest Paid on Deposits	710.18	725.99	526.67	262.92	200.31	348.52
Net Interest Income	539.95	466.56	394.94	321.57	277.81	293.41
Net Interest Income Growth (YoY)	18.88%	18.13%	22.82%	15.75%	-5.32%	-24.95%
Gain (Loss) on Sale of Assets	0.1	0.1	54.3	66.12	-	-
Gain (Loss) on Sale of Investments	-	-	-	-	40.78	5.03
Other Non-Interest Income	193.99	139.14	127.23	113.1	131.05	104.42
Total Non-Interest Income	194.09	139.25	181.52	179.22	171.82	109.45
Non-Interest Income Growth (YoY)	52.14%	-23.29%	1.28%	4.30%	56.98%	-28.83%
Revenues Before Loan Losses	734.04	605.8	576.46	500.79	449.63	402.86
Provision for Loan Losses	-72.89	-42.83	36.35	92.26	135.73	703.67
Revenue	806.93	648.63	540.11	408.53	313.91	-300.81
Revenue Growth (YoY)	39.76%	20.09%	32.21%	30.14%	-	-
Salaries and Employee Benefits	221.12	204.65	181.33	146.17	140.55	150.09
Occupancy Expenses	22.27	22.06	22.48	23.32	24.9	27.94
Other Non-Interest Expense	114.73	86.73	80.44	82.32	75.67	81.28
Total Non-Interest Expense	358.12	313.44	284.24	251.8	241.13	259.32
EBT Excluding Unusual Items	448.81	335.19	255.87	156.72	72.78	-560.12
Asset Writedown	-4.42	-4.42	-0.56	-2	-2.59	-107.18
Pretax Income	444.39	330.77	255.31	154.72	70.19	-667.3
Income Tax Expense	40.12	29.81	-	-	-	-
Net Income	404.27	300.96	255.31	154.72	70.19	-667.3
Net Income to Common	404.27	300.96	255.31	154.72	70.19	-667.3
Net Income Growth	56.36%	17.88%	65.01%	120.43%	-	-
Basic Shares Outstanding	2,210	2,060	2,060	2,063	2,063	2,063
Diluted Shares Outstanding	2,210	2,060	2,060	2,063	2,063	2,063
Shares Change (YoY)	7.47%	0.03%	-0.14%	-	-	-
EPS (Basic)	0.18	0.15	0.12	0.08	0.03	-0.32
EPS (Diluted)	0.18	0.15	0.12	0.08	0.03	-0.32
EPS Growth	45.49%	17.84%	65.25%	120.43%	-	-
Effective Tax Rate	9.03%	9.01%	-	-	-	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.