UAB reports 45% growth in Net profit for the full year ended 2025

09 February 2026: United Arab Bank PJSC (UAB or “the Bank”) has announced its financial results for the full year ended 31 December 2025. The Bank posted a stellar growth of 45% in net profit of AED 438 million for FY 2025, compared to AED 301 million for the same period last year. The strong growth in net profit reflects the successful execution of strategy into results with significant growth in total assets across both, loans, advances and Islamic financing, and the investment book, disciplined expense management and prudent risk management practices. The Board of Directors has recommended a cash dividend payout of 25% of the net profit for the year financial year ended 31 December 2025. The proposed dividend is subject to shareholders’ approval at the next General Assembly meeting.

• Net profit reported at AED 438 million for FY 2025, up by 45% year-on-year as compared to AED 301 million for FY 2024.
• Net profit for the quarter (Q4 2025) was recorded at AED 122 million, up 13% sequentially (vs Q3 2025) and 38% year-on-year.
• EPS increased to AED 0.18 per share for FY 2025 as compared to AED 0.15 per share for FY 2024, despite an enlarged share base.
• Total income increased by 31% year-on-year to AED 797 million for FY 2025 compared to AED 606 million for FY 2024 driven by higher non-interest and net interest income, up 56% and 24%, respectively.
• Disciplined expense management and higher income led to an improvement in cost to income ratio to 46% in FY 2025 from 52% in the prior comparative period.
• Impairment charges had a net reversal of AED 51 million for FY 2025 as compared to net reversal in impairment charges of AED 43 million in FY 2024, driven by the strong recoveries during the year. This translated into a cost of risk (CoR) on loans and advances at -41bps.
• Return on shareholders’ equity (RoSE) was 16.0% in FY 2025.
• Total assets reached AED 27.0 billion at the end of FY 2025, up 26% year-to-date.
• Loans, advances and Islamic financing grew 26%, while customer deposits increased by 31% year-to-date.
• Asset quality metrics remained healthy with an NPL ratio of 2.8% and provision coverage of 107%.
• Liquidity and funding metrics also remain healthy with advances to stable resources ratio (ASRR) at 70% and eligible liquid asset ratio (ELAR) at 17%, both comfortably above regulatory thresholds.
• The Bank successfully completed its capital raise of AED 1.03 billion via a rights issue during the year, which was fully subscribed and has significantly strengthened the capital position, boosting the Common Equity Tier 1 (CET1) ratio to 17.4% and total capital adequacy ratio (CAR) to 21.5% (post proposed dividend).
• A new 2-year senior unsecured dual tranche term loan facility of AED 1.0 billion was also successfully concluded during the last quarter enhancing the Bank’s ability to support clients’ needs while advancing its strategic growth objectives.
• UAB’s credit ratings improved further with Moody’s upgrading the deposit ratings to Baa2, while Fitch and Capital Intelligence upgrading the Viability ratings and Core Financial Strength by one notch each, respectively. All rating agencies assign a ‘Stable’ outlook.