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	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	1,291	1,193	921.61	584.48	478.12
Interest Paid on Deposits	712.56	725.99	526.67	262.92	200.31
Net Interest Income	578.65	466.56	394.94	321.57	277.81
Net Interest Income Growth (YoY)	24.02%	18.13%	22.82%	15.75%	-5.32%
Gain (Loss) on Sale of Assets	15.32	-	54.3	66.12	-
Gain (Loss) on Sale of Investments	47.59	0.33	-	-	40.78
Other Non-Interest Income	154.98	138.92	127.23	113.1	131.05
Total Non-Interest Income	217.9	139.25	181.52	179.22	171.82
Non-Interest Income Growth (YoY)	56.48%	-23.29%	1.28%	4.30%	56.98%
Revenues Before Loan Losses	796.54	605.8	576.46	500.79	449.63
Provision for Loan Losses	-50.74	-42.83	36.35	92.26	135.73
Revenue	847.28	648.63	540.11	408.53	313.91
Revenue Growth (YoY)	30.63%	20.09%	32.21%	30.14%	-
Salaries and Employee Benefits	228.25	204.65	181.33	146.17	140.55
Occupancy Expenses	21.15	22.06	22.48	23.32	24.9
Other Non-Interest Expense	116.03	86.73	80.44	82.32	75.67
Total Non-Interest Expense	365.42	313.44	284.24	251.8	241.13
EBT Excluding Unusual Items	481.86	335.19	255.87	156.72	72.78
Asset Writedown	-	-4.42	-0.56	-2	-2.59
Pretax Income	481.86	330.77	255.31	154.72	70.19
Income Tax Expense	44	29.81	-	-	-
Net Income	437.86	300.96	255.31	154.72	70.19
Net Income to Common	437.86	300.96	255.31	154.72	70.19
Net Income Growth	45.49%	17.88%	65.01%	120.43%	-
Basic Shares Outstanding	2,467	2,060	2,060	2,063	2,063
Diluted Shares Outstanding	2,467	2,060	2,060	2,063	2,063
Shares Change (YoY)	19.72%	0.03%	-0.14%	-	-
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	21.52%	17.84%	65.25%	120.43%	-
Dividend Per Share	0.035	-	-	-	-
Effective Tax Rate	9.13%	9.01%	-	-	-

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