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H1 2022 financial highlights

Capitalization levels are above the current applicable regulatory requirements:

  • Capital Adequacy ratio: 13.2%
  • CET1 ratio: 12.0%

Adequate Liquidity profile was maintained in H1 2022:

  • Advances to Stable Funding ratio: 83 %
  • Eligible Liquid Assets: 15%
  • Loan: Deposit ratio: 80%

Costs rationalization:

  • Reduction in Operating expenses by 3% YoY

Asset Quality: UAB continues with its decisive and prudent provisioning approach, and to proactively recognize problem loans which has resulted in NPL ratio of 11.0% in Jun 2022 compared to 12.6% in Dec 2021.

The Provision Coverage ratio (including collaterals) increased to 132% as at Jun 2022 compared to 122% in Dec 2021.


  • Total Operating income increased by 3% YoY to AED 243m
  • Net profit: recorded AED 83.3m

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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