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Q3 2022 financial highlights

Capitalization levels are above the current applicable regulatory requirements::

  • Capital Adequacy ratio: 13.5%
  • CET1 ratio: 12.3%

Adequate Liquidity profile was maintained in Q3 2022:

  • Advances to Stable Funding ratio: 88%
  • Eligible Liquid Assets: 17%
  • Loan: Deposit ratio: 84%

Cost of Risk:

  • Reduction in the cost of risk by 57% YoY, to 1.0% in Q3 2022 from 1.1% in Q3 2021

Asset Quality: UAB continues with its decisive and to proactive approach to recognize problem loans which has resulted in NPL ratio of 10.3% in September 2022 compared to 11.6% in Dec 2021.

The Provision Coverage ratio recorded 81% as at September 2022 compared to 68% in Dec 2021, and the Provision Coverage (Including Collaterals) recorded 123% in September 2022.


  • Total Operating income recorded AED 351m
  • Net profit: recorded AED 119.1m

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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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