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Financial Highlights

Q3 2021 financial highlights

Capitalization levels are well above the current applicable regulatory requirements:

  • Capital Adequacy ratio: 13.6%
  • CET1 ratio: 12.5%

Adequate Liquidity profile was maintained in Q3 2021:

  • Advances to Stable Funding ratio: 77 %
  • Eligible Liquid Assets: 15%
  • Loan: Deposit ratio: 78%
  • Costs rationalization:
  • Reduction in Operating expenses by 9% YoY


  • Operating income increased by 11% YoY to AED 336.5m
  • Operating profit: increased by 50% YoY to AED 156.2m
  • Net profit: recorded AED 44.7m

        Note: Net profit for Q3 2021 has increased by 7% in comparison to Q2 2021

Provision Charges: on a total portfolio basis, the bank continues to demonstrate significant improvement with 76% reduction in provision charges during Q3 2021 vs. Q3 2020 as the bank focuses on its remediation efforts and recoveries.

  • NPL ratio: 15.4%
  • Provisions coverage ratio: 82.3%

        Note: Provision Coverage Ratio including the Collaterals increases from 82% to 121% as on September 2021

Click here to review UAB full financial results.


You can reach us using any of the following numbers

UAB Toll Free

800 474

International callers

+971 6 5987332

Sadara Toll Free

800 72 32 72

Sadara international

+971 6 5987333

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