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Financial Highlights

Full year 2020 highlights


Capitalization levels are well above the current applicable regulatory requirements:

  • Capital Adequacy ratio: 13.7%

  • CET1 ratio: 12.5%


Adequate Liquidity profile was maintained in 2020:

  • Advances to Stable Funding ratio: 80.5%

  • Eligible Liquid Assets: 16.4%

  • Loan: Deposit ratio: 80.1%


Costs rationalization:

  • Reduction in Operating expenses by 17% YoY


Operating income:

  • Increased by 20% compared to Q3, 2020


Provision Charges: businesses across all sectors continued to be impacted by the COVID-19 pandemic, the bank is prudently managing risks to demonstrate transparency and taking timely actions, this has resulted with increased Net Provisions charge by 15% vs FY 2019.


  • NPL ratio: 15.7%

  • Provisions coverage ratio: 98.7%

 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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