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	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	2,686	2,584	2,143	1,253	2,002
Investment Securities	6,004	4,547	2,961	2,745	2,717
Trading Asset Securities	22.87	51.27	57.48	84.79	16.05
Total Investments	6,027	4,598	3,018	2,830	2,733
Gross Loans	14,983	12,074	10,012	8,240	8,914
Allowance for Loan Losses	-429.02	-547.77	-654.64	-635.34	-700.39
Net Loans	14,554	11,526	9,357	7,604	8,213
Property, Plant & Equipment	181.1	173.76	189.16	295.7	308.16
Other Intangible Assets	73.6	38.95	-	-	-
Accrued Interest Receivable	210.45	157.97	142.66	97.59	60.24
Restricted Cash	940.09	226.54	313.43	257.67	266.84
Other Current Assets	440.51	648.12	294.77	530.31	626.76
Other Real Estate Owned & Foreclosed	26.09	49.72	58.98	69.91	156.74
Other Long-Term Assets	1,861	1,458	2,131	1,142	813.28
Total Assets	27,000	21,461	17,648	14,080	15,180
Accrued Expenses	64.95	50.73	62.97	53.28	33.95
Interest Bearing Deposits	12,971	11,335	8,404	7,671	9,000
Non-Interest Bearing Deposits	6,489	4,604	3,798	3,131	3,108
Total Deposits	19,460	15,939	12,202	10,802	12,108
Short-Term Borrowings	1,705	1,247	1,776	1,049	825.91
Current Portion of Long-Term Debt	-	734.6	-	-	-
Current Income Taxes Payable	44.03	29.81	-	-	-
Accrued Interest Payable	173.9	166.38	132.69	105.46	79.38
Other Current Liabilities	321.5	477.3	258.29	401.64	426.47
Long-Term Debt	1,000	-	734.6	-	-
Long-Term Leases	-	7.18	8.28	1.18	6.16
Pension & Post-Retirement Benefits	25.41	21.7	18.89	17.25	18.81
Long-Term Deferred Tax Liabilities	10.18	2.07	-	-	-
Other Long-Term Liabilities	163.45	234.69	164	151.19	169.3
Total Liabilities	22,968	18,910	15,358	12,581	13,668
Common Stock	3,094	2,063	2,063	2,063	2,063
Retained Earnings	403.22	39.3	-200.63	-409.59	-558.31
Treasury Stock	-	-3.01	-3.89	-	-
Comprehensive Income & Other	534.61	452.64	431.71	-153.62	7.66
Shareholders' Equity	4,032	2,551	2,290	1,499	1,512
Total Liabilities & Equity	27,000	21,461	17,648	14,080	15,180
Total Debt	2,705	1,988	2,519	1,050	832.07
Net Cash (Debt)	8.55	646.72	-317.27	287.38	1,186
Net Cash Growth	-98.68%	-	-	-75.76%	231.53%
Net Cash Per Share	0.00	0.31	-0.15	0.14	0.57
Filing Date Shares Outstanding	3,094	2,063	2,056	2,063	2,063
Total Common Shares Outstanding	3,094	2,063	2,056	2,063	2,063
Book Value Per Share	1.13	0.97	0.85	0.73	0.73
Tangible Book Value	3,958	2,513	2,290	1,499	1,512
Tangible Book Value Per Share	1.10	0.95	0.85	0.73	0.73

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