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

United Arab Bank P.J.S.C. Income Statement

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

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
Interest Income on Loans	1,375	1,291	1,193	921.61	584.48	478.12
Interest Paid on Deposits	732.8	712.56	725.99	526.67	262.92	200.31
Net Interest Income	642.47	578.65	466.56	394.94	321.57	277.81
Net Interest Income Growth	18.99%	24.02%	18.13%	22.82%	15.75%	-5.32%
Gain (Loss) on Sale of Assets	15.32	15.32	-	54.3	66.12	-
Gain (Loss) on Sale of Investments	47.59	47.59	0.33	-	-	40.78
Other Non-Interest Income	159	154.98	138.92	127.23	113.1	131.05
Total Non-Interest Income	221.91	217.9	139.25	181.52	179.22	171.82
Non-Interest Income Growth	14.33%	56.48%	-23.29%	1.28%	4.30%	56.98%
Revenues Before Loan Losses	864.38	796.54	605.8	576.46	500.79	449.63
Provision for Loan Losses	-38.65	-50.74	-42.83	36.35	92.26	135.73
Revenue	903.03	847.28	648.63	540.11	408.53	313.91
Revenue Growth	11.91%	30.63%	20.09%	32.21%	30.14%	-
Salaries and Employee Benefits	240.9	228.25	204.65	181.33	146.17	140.55
Occupancy Expenses	22.93	21.15	22.06	22.48	23.32	24.9
Other Non-Interest Expense	137.94	116.03	86.73	80.44	82.32	75.67
Total Non-Interest Expense	401.76	365.42	313.44	284.24	251.8	241.13
EBT Excluding Unusual Items	501.27	481.86	335.19	255.87	156.72	72.78
Asset Writedown	-	-	-4.42	-0.56	-2	-2.59
Pretax Income	501.27	481.86	330.77	255.31	154.72	70.19
Income Tax Expense	45.67	44	29.81	-	-	-
Net Income	455.6	437.86	300.96	255.31	154.72	70.19
Net Income to Common	455.6	437.86	300.96	255.31	154.72	70.19
Net Income Growth	12.70%	45.49%	17.88%	65.01%	120.43%	-
Basic Shares Outstanding	3,096	2,467	2,060	2,060	2,063	2,063
Diluted Shares Outstanding	3,096	2,467	2,060	2,060	2,063	2,063
Shares Change	40.09%	19.72%	0.03%	-0.14%	-	-
EPS (Basic)	0.15	0.18	0.15	0.12	0.08	0.03
EPS (Diluted)	0.15	0.18	0.15	0.12	0.08	0.03
EPS Growth	-19.55%	21.52%	17.84%	65.25%	120.43%	-

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
Dividend Per Share	0.035	0.035	-	-	-	-
Dividend Growth	-	-	-	-	-	-
Effective Tax Rate	9.11%	9.13%	9.01%	-	-	-

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

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