United Arab Bank P.J.S.C. Ratios and Metrics

Market cap in millions AED. Fiscal year is January - December.

Millions AED. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 10, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	4,300	2,826	2,784	1,753	1,388	1,751
Market Cap Growth	53.31%	1.48%	58.82%	26.30%	-20.73%	-15.02%
Last Close Price	1.39	1.25	1.23	0.78	0.61	0.78
PE Ratio	7.60	9.39	10.91	11.33	19.78	-
PS Ratio	5.33	4.36	5.16	4.29	4.42	-5.82
PB Ratio	1.09	1.11	1.22	1.17	0.92	1.20
P/FCF Ratio	-	-	-	2.52	0.67	0.77
P/OCF Ratio	-	-	-	2.48	0.67	0.76
Debt / Equity Ratio	0.71	0.78	1.10	0.70	0.55	0.58
Debt / FCF Ratio	-	-	-	1.51	0.40	0.37
Return on Equity (ROE)	12.37%	12.43%	13.48%	10.28%	4.73%	-36.92%
Return on Assets (ROA)	1.82%	1.54%	1.61%	1.06%	0.47%	-3.93%
Earnings Yield	9.40%	10.65%	9.17%	8.82%	5.06%	-38.11%
FCF Yield	-65.90%	-126.92%	-26.31%	39.62%	149.00%	129.68%
Payout Ratio	10.98%	14.75%	8.70%	-	-	-
Buyback Yield / Dilution	-7.47%	-0.03%	0.14%	-	-	-
Total Shareholder Return	-7.47%	-0.03%	0.14%	-	-	-

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