United Arab Bank P.J.S.C. Balance Sheet

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

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	540.49	2,584	2,143	1,253	2,002	1,196
Investment Securities	5,653	4,547	2,961	2,745	2,717	2,543
Trading Asset Securities	28.01	51.27	57.48	84.79	16.05	8.06
Total Investments	5,681	4,598	3,018	2,830	2,733	2,551
Gross Loans	14,475	12,074	10,012	8,240	8,914	10,669
Allowance for Loan Losses	-363.03	-547.77	-654.64	-635.34	-700.39	-1,656
Net Loans	14,112	11,526	9,357	7,604	8,213	9,014
Property, Plant & Equipment	242.49	212.7	189.16	295.7	308.16	337.63
Accrued Interest Receivable	202	157.97	142.66	97.59	60.24	83.58
Restricted Cash	965.34	226.54	313.43	257.67	266.84	285.72
Other Current Assets	454.68	648.12	294.77	530.31	626.76	525.62
Other Real Estate Owned & Foreclosed	30.09	49.72	58.98	69.91	156.74	117.25
Other Long-Term Assets	2,237	1,458	2,131	1,142	813.28	738.46
Total Assets	24,465	21,461	17,648	14,080	15,180	14,849
Accrued Expenses	34.57	50.73	62.97	53.28	33.95	39.14
Interest Bearing Deposits	11,841	11,335	8,404	7,671	9,000	8,960
Non-Interest Bearing Deposits	4,962	4,604	3,798	3,131	3,108	2,915
Total Deposits	16,803	15,939	12,202	10,802	12,108	11,874
Short-Term Borrowings	2,062	1,247	1,776	1,049	825.91	836.53
Current Portion of Long-Term Debt	734.6	734.6	-	-	-	-
Current Income Taxes Payable	31.31	29.81	-	-	-	-
Accrued Interest Payable	158.46	166.38	132.69	105.46	79.38	146.32
Other Current Liabilities	511.08	477.3	258.29	401.64	426.47	283.16
Long-Term Debt	-	-	734.6	-	-	-
Long-Term Leases	-	7.18	8.28	1.18	6.16	9.84
Pension & Post-Retirement Benefits	24.49	21.7	18.89	17.25	18.81	16.39
Long-Term Deferred Tax Liabilities	11.95	2.07	-	-	-	-
Other Long-Term Liabilities	134.06	234.69	164	151.19	169.3	188.87
Total Liabilities	20,506	18,910	15,358	12,581	13,668	13,395
Common Stock	3,094	2,063	2,063	2,063	2,063	2,063
Retained Earnings	312.89	39.3	-200.63	-409.59	-558.31	-629.02
Treasury Stock	-	-3.01	-3.89	-	-	-
Comprehensive Income & Other	552.54	452.64	431.71	-153.62	7.66	21.02
Shareholders' Equity	3,959	2,551	2,290	1,499	1,512	1,455
Total Liabilities & Equity	24,465	21,461	17,648	14,080	15,180	14,849
Total Debt	2,797	1,988	2,519	1,050	832.07	846.36
Net Cash (Debt)	-1,747	646.72	-317.27	287.38	1,186	357.63
Net Cash Growth	-	-	-	-75.76%	231.53%	149.85%
Net Cash Per Share	-0.79	0.31	-0.15	0.14	0.57	0.17
Filing Date Shares Outstanding	3,094	2,063	2,056	2,063	2,063	2,063
Total Common Shares Outstanding	3,094	2,063	2,056	2,063	2,063	2,063
Book Value Per Share	1.10	0.97	0.85	0.73	0.73	0.71
Tangible Book Value	3,959	2,551	2,290	1,499	1,512	1,455
Tangible Book Value Per Share	1.10	0.97	0.85	0.73	0.73	0.71

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