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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	1,546	2,686	2,584	2,143	1,253	2,002
Investment Securities	5,420	6,004	4,547	2,961	2,745	2,717
Trading Asset Securities	29.99	22.87	51.27	57.48	84.79	16.05
Total Investments	5,450	6,027	4,598	3,018	2,830	2,733
Gross Loans	15,507	14,983	12,074	10,012	8,240	8,914
Allowance for Loan Losses	-426.29	-429.02	-547.77	-654.64	-635.34	-700.39
Net Loans	15,081	14,554	11,526	9,357	7,604	8,213
Property, Plant & Equipment	205.52	181.1	173.76	189.16	295.7	308.16
Other Intangible Assets	63.95	73.6	38.95	-	-	-
Accrued Interest Receivable	224.75	210.45	157.97	142.66	97.59	60.24
Restricted Cash	990.77	940.09	226.54	313.43	257.67	266.84
Other Current Assets	446.58	440.51	648.12	294.77	530.31	626.76
Other Real Estate Owned & Foreclosed	26.09	26.09	49.72	58.98	69.91	156.74
Other Long-Term Assets	2,854	1,861	1,458	2,131	1,142	813.28
Total Assets	26,893	27,000	21,461	17,648	14,080	15,180
Accrued Expenses	21.76	64.95	50.73	62.97	53.28	33.95
Interest Bearing Deposits	12,635	12,971	11,335	8,404	7,671	9,000
Non-Interest Bearing Deposits	6,175	6,489	4,604	3,798	3,131	3,108
Total Deposits	18,810	19,460	15,939	12,202	10,802	12,108
Short-Term Borrowings	2,602	1,705	1,247	1,776	1,049	825.91
Current Portion of Long-Term Debt	-	-	734.6	-	-	-
Current Income Taxes Payable	51.41	44.03	29.81	-	-	-
Accrued Interest Payable	170.96	173.9	166.38	132.69	105.46	79.38
Other Current Liabilities	314.47	321.5	477.3	258.29	401.64	426.47
Long-Term Debt	1,000	1,000	-	734.6	-	-
Long-Term Leases	-	-	7.18	8.28	1.18	6.16
Pension & Post-Retirement Benefits	26.2	25.41	21.7	18.89	17.25	18.81
Long-Term Deferred Tax Liabilities	-	10.18	2.07	-	-	-
Other Long-Term Liabilities	53.78	163.45	234.69	164	151.19	169.3
Total Liabilities	23,051	22,968	18,910	15,358	12,581	13,668
Common Stock	3,094	3,094	2,063	2,063	2,063	2,063
Retained Earnings	357.72	403.22	39.3	-200.63	-409.59	-558.31
Treasury Stock	-	-	-3.01	-3.89	-	-
Comprehensive Income & Other	390.53	534.61	452.64	431.71	-153.62	7.66
Shareholders' Equity	3,842	4,032	2,551	2,290	1,499	1,512
Total Liabilities & Equity	26,893	27,000	21,461	17,648	14,080	15,180
Total Debt	3,602	2,705	1,988	2,519	1,050	832.07
Net Cash (Debt)	-2,026	8.55	646.72	-317.27	287.38	1,186
Net Cash Growth	-	-98.68%	-	-	-75.76%	231.53%
Net Cash Per Share	-0.74	0.00	0.31	-0.15	0.14	0.57
Filing Date Shares Outstanding	3,094	3,094	2,063	2,056	2,063	2,063
Total Common Shares Outstanding	3,094	3,094	2,063	2,056	2,063	2,063
Book Value Per Share	1.06	1.13	0.97	0.85	0.73	0.73
Tangible Book Value	3,778	3,958	2,513	2,290	1,499	1,512
Tangible Book Value Per Share	1.04	1.10	0.95	0.85	0.73	0.73

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