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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	1,336	1,291	1,193	921.61	584.48	478.12
Interest Paid on Deposits	716.95	712.56	725.99	526.67	262.92	200.31
Net Interest Income	618.63	578.65	466.56	394.94	321.57	277.81
Net Interest Income Growth (YoY)	36.94%	24.02%	18.13%	22.82%	15.75%	-5.32%
Gain (Loss) on Sale of Assets	15.32	15.32	-	54.3	66.12	-
Gain (Loss) on Sale of Investments	47.59	47.59	0.33	-	-	40.78
Other Non-Interest Income	142.22	154.98	138.92	127.23	113.1	131.05
Total Non-Interest Income	205.13	217.9	139.25	181.52	179.22	171.82
Non-Interest Income Growth (YoY)	31.52%	56.48%	-23.29%	1.28%	4.30%	56.98%
Revenues Before Loan Losses	823.76	796.54	605.8	576.46	500.79	449.63
Provision for Loan Losses	1.06	-50.74	-42.83	36.35	92.26	135.73
Revenue	822.7	847.28	648.63	540.11	408.53	313.91
Revenue Growth (YoY)	18.33%	30.63%	20.09%	32.21%	30.14%	-
Salaries and Employee Benefits	233.42	228.25	204.65	181.33	146.17	140.55
Occupancy Expenses	21.88	21.15	22.06	22.48	23.32	24.9
Other Non-Interest Expense	114.77	116.03	86.73	80.44	82.32	75.67
Total Non-Interest Expense	370.06	365.42	313.44	284.24	251.8	241.13
EBT Excluding Unusual Items	452.64	481.86	335.19	255.87	156.72	72.78
Asset Writedown	-	-	-4.42	-0.56	-2	-2.59
Pretax Income	452.64	481.86	330.77	255.31	154.72	70.19
Income Tax Expense	41.29	44	29.81	-	-	-
Net Income	411.36	437.86	300.96	255.31	154.72	70.19
Net Income to Common	411.36	437.86	300.96	255.31	154.72	70.19
Net Income Growth	23.06%	45.49%	17.88%	65.01%	120.43%	-
Basic Shares Outstanding	2,725	2,467	2,060	2,060	2,063	2,063
Diluted Shares Outstanding	2,725	2,467	2,060	2,060	2,063	2,063
Shares Change (YoY)	27.76%	19.72%	0.03%	-0.14%	-	-
EPS (Basic)	0.15	0.18	0.15	0.12	0.08	0.03
EPS (Diluted)	0.15	0.18	0.15	0.12	0.08	0.03
EPS Growth	-3.68%	21.52%	17.84%	65.25%	120.43%	-
Dividend Per Share	0.035	0.035	-	-	-	-
Effective Tax Rate	9.12%	9.13%	9.01%	-	-	-

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