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.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	1,294	2,686	2,584	2,143	1,253	2,002
Investment Securities	5,607	6,004	4,547	2,961	2,745	2,717
Trading Asset Securities	80.3	22.87	51.27	57.48	84.79	16.05
Total Investments	5,688	6,027	4,598	3,018	2,830	2,733
Gross Loans	16,072	14,983	12,074	10,012	8,240	8,914
Allowance for Loan Losses	-279.52	-429.02	-547.77	-654.64	-635.34	-700.39
Net Loans	15,793	14,554	11,526	9,357	7,604	8,213
Property, Plant & Equipment	230.81	181.1	173.76	189.16	295.7	308.16
Other Intangible Assets	67.6	73.6	38.95	-	-	-
Accrued Interest Receivable	247.57	210.45	157.97	142.66	97.59	60.24
Restricted Cash	934.79	940.09	226.54	313.43	257.67	266.84
Other Current Assets	534.95	440.51	648.12	294.77	530.31	626.76
Other Real Estate Owned & Foreclosed	1.85	26.09	49.72	58.98	69.91	156.74
Other Long-Term Assets	3,562	1,861	1,458	2,131	1,142	813.28
Total Assets	28,365	27,000	21,461	17,648	14,080	15,180

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	32.37	64.95	50.73	62.97	53.28	33.95
Interest Bearing Deposits	11,601	12,971	11,335	8,404	7,671	9,000
Non-Interest Bearing Deposits	8,007	6,489	4,604	3,798	3,131	3,108
Total Deposits	19,608	19,460	15,939	12,202	10,802	12,108
Short-Term Borrowings	3,068	1,705	1,247	1,776	1,049	825.91
Current Portion of Long-Term Debt	-	-	734.6	-	-	-
Current Income Taxes Payable	33.62	44.03	29.81	-	-	-
Accrued Interest Payable	172.7	173.9	166.38	132.69	105.46	79.38
Other Current Liabilities	338.82	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	27	25.41	21.7	18.89	17.25	18.81
Long-Term Deferred Tax Liabilities	-	10.18	2.07	-	-	-
Other Long-Term Liabilities	80.89	163.45	234.69	164	151.19	169.3
Total Liabilities	24,362	22,968	18,910	15,358	12,581	13,668

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	3,094	3,094	2,063	2,063	2,063	2,063
Retained Earnings	593.77	403.22	39.3	-200.63	-409.59	-558.31
Treasury Stock	-	-	-3.01	-3.89	-	-
Comprehensive Income & Other	315.77	534.61	452.64	431.71	-153.62	7.66
Shareholders' Equity	4,003	4,032	2,551	2,290	1,499	1,512
Total Liabilities & Equity	28,365	27,000	21,461	17,648	14,080	15,180

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	4,068	2,705	1,988	2,519	1,050	832.07
Net Cash (Debt)	-2,622	8.55	646.72	-317.27	287.38	1,186
Net Cash Growth	-	-98.68%	-	-	-75.76%	231.53%
Net Cash Per Share	-0.85	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	1.12	1.13	0.97	0.85	0.73	0.73
Tangible Book Value	3,936	3,958	2,513	2,290	1,499	1,512
Tangible Book Value Per Share	1.09	1.10	0.95	0.85	0.73	0.73

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 1, 2026

Data Sources Report a data error