United Arab Bank
UAB
ADX
Financials
Shariah compliance: iStatus follows DFM's quarterly Shari'a compliant list (Q1 2026), screened under criteria approved by the DFM Fatwa & Shari'a Supervisory Board. Classification may change each quarter.
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Price (AED)1.30 -3.7%Close · 10 Nov 2026
Market Cap4.02B
P/E10.22
P/B1.16
Dividend Yield–
ROE11.3%
- Volume
- 3590.00x 30-day average
- Avg volume (30D)
- 573.8K
About the company
United Arab Bank P.J.S.C. is a commercial bank based in Sharjah, incorporated in 1975. It offers corporate, commercial and retail banking, with Islamic banking windows at selected branches. It is listed on the Abu Dhabi Securities Exchange, reports in UAE dirhams and has 3,093,825,974 shares after its 2025 rights issue.
Prices from DFM: 1D and 5D from snapshots every 5 minutes during the session, longer ranges from daily closes. Hover to read a price, click and drag to measure the change between two points.
Year-end price history
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Shariah screening
See DFM's Shari'a status and a screen using S&P's methodology, with the debt, cash and income ratios behind it.
Ownership data is being loaded from DFM. Check back shortly.
Dividend calculator
at AED 1.30 per share (latest close)
You would receive–
Before a dividend is announced, choose an estimate. Once DFM publishes it, the announced amount is used automatically. Gross amount before any bank charges. Estimates only, not investment advice.
Dividend history
No DFM dividend records for this company since 2025.
Source: DFM dividend distribution records (2025 onwards). Yield uses the close before the ex-date.
Announcements
No announcements yet.
Source: DFM disclosures. Times are Dubai time.
Income Statement
Values in AED · click any row to chart the metric, click again to collapse
| Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & Islamic Financing Income | 208.5M | 225.1M | 232.3M | 255.7M | 304.5M | 295.5M | 302.1M | 290.4M | 290.2M | 336.8M | 332.8M | 331.5M | 334.5M | 345.1M | 364.2M |
| Interest Expense & Depositors' Profit | -116.5M | -124.9M | -130.0M | -155.3M | -172.5M | -184.9M | -191.0M | -177.6M | -172.9M | -178.9M | -180.8M | -180.0M | -177.3M | -185.8M | -189.7M |
| Net Interest & Islamic Financing Income | 92.0M | 100.2M | 102.3M | 100.4M | 132.0M | 110.6M | 111.1M | 112.8M | 117.2M | 158.0M | 152.0M | 151.5M | 157.2M | 159.3M | 174.5M |
| Net Fee & Commission Income | 20.3M | 21.1M | 18.5M | 16.8M | 22.9M | 19.7M | 22.4M | 25.8M | 25.1M | 26.3M | 23.2M | 27.8M | 20.3M | 26.9M | 26.0M |
| Other Operating Income | 10.4M | 28.6M | 53.4M | 12.4M | 8.6M | 6.7M | 18.1M | 15.1M | 23.1M | 23.9M | 31.6M | 36.9M | 15.1M | 42.1M | 26.9M |
| Total Operating Income | 122.7M | 149.9M | 174.2M | 129.6M | 163.5M | 137.0M | 151.7M | 153.7M | 165.4M | 208.2M | 206.8M | 216.2M | 192.6M | 228.2M | 227.4M |
| Operating Expenses | -65.5M | -68.7M | -76.3M | -74.2M | -77.7M | -70.8M | -75.2M | -94.2M | -87.6M | -89.4M | -91.3M | -97.1M | -92.3M | -101.5M | -110.9M |
| Depreciation & Amortization | -5.9M | -5.3M | -5.7M | -5.6M | -5.4M | -5.2M | -5.2M | -6.2M | -5.4M | -6.2M | -4.6M | -5.1M | -6.1M | -5.9M | -5.9M |
| Operating Profit Before Impairment | 57.2M | 81.2M | 97.9M | 55.4M | 85.8M | 66.2M | 76.5M | 59.4M | 77.8M | 118.8M | 115.5M | 119.1M | 100.3M | 126.7M | 116.5M |
| Net Impairment Charges | -2.4M | -15.4M | -9.4M | -9.1M | -10.8M | 11.0M | 4.5M | 38.1M | 33.9M | -2.1M | 2.9M | 16.0M | -17.9M | 11.7M | 28.9M |
| Pre-Tax Income | 54.8M | 65.8M | 88.5M | 46.3M | 75.0M | 77.2M | 81.0M | 97.5M | 111.7M | 116.7M | 118.5M | 135.0M | 82.5M | 138.4M | 145.4M |
| Income Tax Expense | 0.00 | 0.00 | 0.00 | 0.00 | -6.8M | -6.9M | -7.3M | -8.8M | -10.1M | -10.5M | -10.6M | -12.7M | -7.4M | -12.5M | -13.1M |
| Net Income | 54.8M | 65.8M | 88.5M | 46.3M | 68.2M | 70.3M | 73.7M | 88.7M | 101.6M | 106.2M | 107.8M | 122.3M | 75.1M | 126.0M | 132.3M |
| Net Income (Owners of Parent) | 54.8M | 65.8M | 88.5M | 46.3M | 68.2M | 70.3M | 73.7M | 88.7M | 101.6M | 106.2M | 107.8M | 122.3M | 75.1M | 126.0M | 132.3M |
| Tier 1 Notes Coupons (from equity) | – | – | -22.2M | – | -22.2M | – | -22.2M | – | – | -22.2M | -22.2M | – | -22.2M | – | -22.2M |
| EPS (AED) | 0.03 | 0.03 | 0.04 | 0.02 | 0.03 | 0.03 | 0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.05 | 0.02 | 0.04 | 0.04 |
Balance Sheet
Values in AED · click any row to chart the metric, click again to collapse
| Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Balances with Central Banks | 2.0B | 1.7B | 2.5B | 2.0B | 2.2B | 2.5B | 2.4B | 1.5B | 2.5B | 1.9B | 2.6B | 1.6B |
| Due from Banks | 456.6M | 563.6M | 640.8M | 585.7M | 585.1M | 661.9M | 531.6M | 484.7M | 1.1B | 596.4M | 578.1M | 695.2M |
| Investment Securities | 5.1B | 5.3B | 5.2B | 5.7B | 6.0B | 6.8B | 6.6B | 7.4B | 7.9B | 8.3B | 8.3B | 9.1B |
| Loans, Advances & Islamic Financing | 9.4B | 9.5B | 10.4B | 10.8B | 11.5B | 12.5B | 13.4B | 14.1B | 14.6B | 15.1B | 15.3B | 15.8B |
| Other Assets & Prepayments | 561.7M | 623.2M | 831.5M | 821.3M | 915.6M | 800.7M | 723.6M | 711.4M | 699.9M | 731.5M | 714.0M | 876.1M |
| Property, Plant & Equipment | 181.4M | 183.8M | 180.1M | 185.3M | 204.2M | 213.2M | 223.6M | 242.5M | 186.7M | 205.5M | 221.8M | 230.8M |
| Intangible Assets | – | – | – | – | – | – | – | – | 68.0M | 63.9M | 60.3M | 67.6M |
| Total Assets | 17.6B | 17.9B | 19.8B | 20.0B | 21.5B | 23.4B | 23.9B | 24.5B | 27.0B | 26.9B | 27.7B | 28.4B |
| Due to Banks | 3.7B | 3.4B | 3.7B | 3.8B | 3.6B | 4.2B | 4.0B | 4.5B | 3.3B | 4.8B | 3.9B | 4.4B |
| Customer Deposits | 10.2B | 10.7B | 12.1B | 12.0B | 13.6B | 14.9B | 15.6B | 14.4B | 17.8B | 16.7B | 18.2B | 18.3B |
| Debt Issued & Other Borrowed Funds | 734.6M | 734.6M | 734.6M | 734.6M | 734.6M | 734.6M | 734.6M | 734.6M | 1.0B | 1.0B | 1.0B | 1.0B |
| Other Liabilities | 656.6M | 740.1M | 886.8M | 899.9M | 1.0B | 876.4M | 807.0M | 919.6M | 818.3M | 647.6M | 614.4M | 690.9M |
| Total Liabilities | 15.4B | 15.5B | 17.4B | 17.4B | 18.9B | 20.8B | 21.1B | 20.5B | 23.0B | 23.1B | 23.7B | 24.4B |
| Share Capital | 2.1B | 2.1B | 2.1B | 2.1B | 2.1B | 2.1B | 2.1B | 3.1B | 3.1B | 3.1B | 3.1B | 3.1B |
| Tier 1 Capital Notes | 550.9M | 548.2M | 550.9M | 550.9M | 550.9M | 550.9M | 550.9M | 550.9M | 550.9M | 550.9M | 550.9M | 550.9M |
| Reserves | 11.2M | 27.2M | 16.6M | 120.1M | 93.2M | 110.6M | 137.1M | 196.1M | 265.8M | 121.7M | 203.5M | 46.9M |
| Retained Earnings | -334.9M | -275.1M | -218.7M | -156.1M | -155.2M | -64.6M | 30.4M | 118.4M | 121.2M | 75.7M | 190.6M | 311.7M |
| Equity (Owners of Parent) | 2.3B | 2.4B | 2.4B | 2.6B | 2.6B | 2.7B | 2.8B | 4.0B | 4.0B | 3.8B | 4.0B | 4.0B |
| Total Equity | 2.3B | 2.4B | 2.4B | 2.6B | 2.6B | 2.7B | 2.8B | 4.0B | 4.0B | 3.8B | 4.0B | 4.0B |
Cash Flow
Values in AED · click any row to chart the metric, click again to collapse
| Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 279.9M | -710.6M | 56.5M | 1.3B | 134.9M | 115.0M | -1.0B | 1.4B | -136.0M | -2.1B | 2.8B | -2.2B | 1.9B | 59.9M |
| Investing Cash Flow | 23.4M | -311.4M | -344.5M | -395.5M | -186.9M | 77.9M | -365.4M | -764.8M | 227.1M | -734.4M | -466.5M | -599.4M | 69.6M | -1.0B |
| Capital Expenditure | -5.5M | -6.9M | -8.4M | -1.8M | -7.3M | -871,000.00 | -14.2M | -13.6M | -16.0M | -23.5M | -17.3M | -20.9M | -18.5M | -22.2M |
| Financing Cash Flow | 549.3M | -1.9M | -23.7M | 729.1M | -24.7M | -1.5M | -22.6M | 228,000.00 | -21.8M | 1.0B | 261.2M | -131.7M | 0.00 | -22.2M |
| Dividends Paid | – | – | – | – | – | – | – | – | – | – | – | -109.5M | – | – |
Total Operating Income
Net Interest & Islamic Financing Income
Net Fee & Commission Income
Operating Profit Before Impairment
Net Impairment Charges
Net Income
EPS (AED)
Shares Outstanding
Total Assets
Loans, Advances & Islamic Financing
Customer Deposits
Investment Securities
Total Liabilities
Total Equity
Net Interest Margin
Cost-to-Income Ratio
Loan-to-Deposit Ratio
Cost of Risk
Net Margin
P/E
P/B
Price / Tangible Book
P/S Ratio
Net Worth (Market Cap)
ROE
ROA
Return on Tangible Equity
Equity / Assets
Dividend Yield
Employee Count
Market Information
- 2026-10-26 Q3 2026 Financial Results PDF ↓
- 2026-07-22 Q2 2026 Financial Results PDF ↓
- 2026-04-22 Q1 2026 Financial Results PDF ↓
- 2026-02-09 FY 2025 Financial Results PDF ↓
- 2025-10-27 Q3 2025 Financial Results PDF ↓
- 2025-07-17 Q2 2025 Financial Results PDF ↓
- 2025-04-28 Q1 2025 Financial Results PDF ↓
- 2025-02-04 FY 2024 Financial Results PDF ↓
- 2024-10-20 Q3 2024 Financial Results PDF ↓
- 2024-07-25 Q2 2024 Financial Results PDF ↓
- 2024-04-25 Q1 2024 Financial Results PDF ↓
- 2024-02-08 FY 2023 Financial Results PDF ↓