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

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

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	2,584	2,143	1,253	2,002	1,196
Investment Securities	4,547	2,961	2,745	2,717	2,543
Trading Asset Securities	51.27	57.48	84.79	16.05	8.06
Total Investments	4,598	3,018	2,830	2,733	2,551
Gross Loans	12,074	10,012	8,240	8,914	10,669
Allowance for Loan Losses	-547.77	-654.64	-635.34	-700.39	-1,656
Net Loans	11,526	9,357	7,604	8,213	9,014
Property, Plant & Equipment	212.7	189.16	295.7	308.16	337.63
Accrued Interest Receivable	157.97	142.66	97.59	60.24	83.58
Restricted Cash	226.54	313.43	257.67	266.84	285.72
Other Current Assets	648.12	294.77	530.31	626.76	525.62
Other Real Estate Owned & Foreclosed	49.72	58.98	69.91	156.74	117.25
Other Long-Term Assets	1,458	2,131	1,142	813.28	738.46
Total Assets	21,461	17,648	14,080	15,180	14,849
Accrued Expenses	50.73	62.97	53.28	33.95	39.14
Interest Bearing Deposits	11,335	8,404	7,671	9,000	8,960
Non-Interest Bearing Deposits	4,604	3,798	3,131	3,108	2,915
Total Deposits	15,939	12,202	10,802	12,108	11,874
Short-Term Borrowings	1,247	1,776	1,049	825.91	836.53
Current Portion of Long-Term Debt	734.6	-	-	-	-
Current Income Taxes Payable	29.81	-	-	-	-
Accrued Interest Payable	166.38	132.69	105.46	79.38	146.32
Other Current Liabilities	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	21.7	18.89	17.25	18.81	16.39
Long-Term Deferred Tax Liabilities	2.07	-	-	-	-
Other Long-Term Liabilities	234.69	164	151.19	169.3	188.87
Total Liabilities	18,910	15,358	12,581	13,668	13,395
Common Stock	2,063	2,063	2,063	2,063	2,063
Retained Earnings	39.3	-200.63	-409.59	-558.31	-629.02
Treasury Stock	-3.01	-3.89	-	-	-
Comprehensive Income & Other	452.64	431.71	-153.62	7.66	21.02
Shareholders' Equity	2,551	2,290	1,499	1,512	1,455
Total Liabilities & Equity	21,461	17,648	14,080	15,180	14,849
Total Debt	1,988	2,519	1,050	832.07	846.36
Net Cash (Debt)	646.72	-317.27	287.38	1,186	357.63
Net Cash Growth	-	-	-75.76%	231.53%	149.85%
Net Cash Per Share	0.31	-0.15	0.14	0.57	0.17
Filing Date Shares Outstanding	2,063	2,056	2,063	2,063	2,063
Total Common Shares Outstanding	2,063	2,056	2,063	2,063	2,063
Book Value Per Share	1.24	1.11	0.73	0.73	0.71
Tangible Book Value	2,551	2,290	1,499	1,512	1,455
Tangible Book Value Per Share	1.24	1.11	0.73	0.73	0.71

Source: S&P Capital IQ. Banks template. Financial Sources.