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Financial Highlights

First quarter 2021 financial highlights


Capitalization levels are well above the current applicable regulatory requirements:

  • Capital Adequacy ratio: 14.2%

  • CET1 ratio: 13.0%


Adequate Liquidity profile was maintained in 2020:

  • Advances to Stable Funding ratio: 78.9%

  • Eligible Liquid Assets: 15.1%

  • Loan: Deposit ratio: 78.4%


Costs rationalization:

  • Reduction in Operating expenses by 6% YoY



  • Operating income: AED 132.3m

  • Net Income: AED 10.2m


Provision Charges: on a total portfolio basis, the bank continues to demonstrate significant improvement with a solid 66% reduction vs. Q1 2020 as the Bank focuses on its remediation efforts and recoveries.


  • NPL ratio: 12.2%

  • Provisions coverage ratio: 105.2%    

 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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