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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	1,344	1,291	1,193	921.61	584.48	478.12
Interest Paid on Deposits	723.87	712.56	725.99	526.67	262.92	200.31
Net Interest Income	619.97	578.65	466.56	394.94	321.57	277.81
Net Interest Income Growth	24.22%	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	160.94	154.98	138.92	127.23	113.1	131.05
Total Non-Interest Income	223.86	217.9	139.25	181.52	179.22	171.82
Non-Interest Income Growth	24.50%	56.48%	-23.29%	1.28%	4.30%	56.98%
Revenues Before Loan Losses	843.83	796.54	605.8	576.46	500.79	449.63
Provision for Loan Losses	-12.71	-50.74	-42.83	36.35	92.26	135.73
Revenue	856.54	847.28	648.63	540.11	408.53	313.91
Revenue Growth	13.70%	30.63%	20.09%	32.21%	30.14%	-
Salaries and Employee Benefits	237.36	228.25	204.65	181.33	146.17	140.55
Occupancy Expenses	21.61	21.15	22.06	22.48	23.32	24.9
Other Non-Interest Expense	123.2	116.03	86.73	80.44	82.32	75.67
Total Non-Interest Expense	382.16	365.42	313.44	284.24	251.8	241.13
EBT Excluding Unusual Items	474.38	481.86	335.19	255.87	156.72	72.78
Asset Writedown	-	-	-4.42	-0.56	-2	-2.59
Pretax Income	474.38	481.86	330.77	255.31	154.72	70.19
Income Tax Expense	43.23	44	29.81	-	-	-
Net Income	431.15	437.86	300.96	255.31	154.72	70.19
Net Income to Common	431.15	437.86	300.96	255.31	154.72	70.19
Net Income Growth	16.47%	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	48.97%	19.72%	0.03%	-0.14%	-	-
EPS (Basic)	0.14	0.18	0.15	0.12	0.08	0.03
EPS (Diluted)	0.14	0.18	0.15	0.12	0.08	0.03
EPS Growth	-21.82%	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	Jun 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: Jun 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:

Aug 13, 2026

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