United Arab Bank · ADX:UAB
United Arab Bank — H1 2026 Earnings Presentation
19 slides from United Arab Bank's earnings presentation, Jul 22, 2026
Slide 1: H1 2026 Earnings presentation
veansiunited “li H1 2026 Earnings presentation 22 July 2026
Slide 2: Awards 2026
• • Global Brands Magazine, 2026 • • MEA Finance Banking Technology Awards, 2026 • • MEED (MENA Banking • • Excellence – Retail, Digital & SME Awards, 2026)
Slide 3: H1'26 Net Profit at AED 201 million
H1'26 Net Profit at AED 201 million Q2'26 profit records strong growth of 68% sequentially and 19% yoy Zz H1'26 profit driven by growth <2 in operating income and assets Operating Income ' Net Profit B421mn : B201mn +13% yoy -3% yoy + Q2'26 net profit recorded strong growth of 68% sequentially and 1
Slide 4: Core business momentum continues to drive H1'26 operating income growth
Core business momentum continues to drive H1'26 operating income growth Q2'26 net profit growth led by rebound in non-interest income and higher recoveries H1'26 operating profit growth of 16% yoy driven by higher NII and asset growth... * Operating income in H1'26 grew by +13% yoy, led by higher NI
Slide 5: Strong asset growth and strategic focus on enhancing non-interest income
Strong asset growth and strategic focus on enhancing non-interest income UAB. through cross-sell and FX income, drive operating income growth stall yall cll UNITED ARAB BANK Operating income: both, Nil and non-interest income grew in H1'26 yoy (AED Mn} oT Nil: 415% yoy Ytd'26 NIM at 2.6%, lower by 1
Slide 6: Expense growth reflects disciplined cost management and continued investments
Expense growth reflects disciplined cost management and continued UAB. investments in the business stall yaya cL UNITED ARAB BANK Efficiently managing expenses and investing across people, products, processes and systems, in line with the medium-term growth strategy Operating expenses by type (AED M
Slide 7: Net impairment charges in H1'26 benefitted from recoveries in Q2'26
Net impairment charges in H1‘26 benefitted from recoveries in Q2'26, albeit these were significantly lesser compared to prior year; CoR remains within our 2026 guidance Firmly focused on ensuring healthy asset quality and implementation of prudent risk management practices, amid strong business grow
Slide 8: Steady customer-led growth in risk assets, backed by robust capital position
Steady customer-led growth in risk assets, backed by robust capital position, UAB. position us well to deliver sustainable and profitable growth atoll yall cl UNITED ARAB BANK Balance Sheet highlights Juni26 “bchavs Y%chgvs Y%chg vs {in AED Billion) Mar'26 Dec'25— Jun’25 Total Assets 27.7 3 3 16 Loa
Slide 9: Quality investment portfolio mandated to meet liquidity requirements and enhance yield
Quality investment portfolio mandated to meet liquidity requirements and UAB. enhance yield stall yall cl UNITED ARAB BANK Investments book primarily consist of debt instruments 0.02% > (AED Bn} H1 = Debt - Amortised cost 3.0 3.2 = Debt - FVOCI 48 5.1 = Equity - FVOCI 0.001 0.002 TOTAL INVESTMENTS 7
Slide 10: Ytd'26 loan growth remains healthy, driven by FI's and local corporates
Ytd’26 loan growth remains healthy, driven by Fl’s and local corporates UAB anioll yujall Lull UNITED ARAB BANK Managing loan growth conservatively in the current operating environment Growth in loans led by Fl’s and local corporates (AED Bn} +2% qoq, +5% ytd, +14% yoy (AED Bn} | ry25 | 1°26 | 15.7
Slide 11: Liquidity and funding metrics remain well above regulatory thresholds
Liquidity and funding metrics remain well above regulatory thresholds; UAB. Strong CASA deposit growth to support funding cost optimisation aa yall cil UNITED ARAB BANK Healthy deposit growth despite current regional conflict Remain focused on enhancing CASA% to support funding costs optimisation +9
Slide 12: [239] [179] [183] [186] [177]
[239] [179] [183] [186] [177]
Slide 13: Robust capital position provides enhanced resilience in current operating environment
Robust capital position provides enhanced resilience in current operating environment, while supporting asset growth UAB anioll yujall Lull UNITED ARAB BANK Strong capital buffers enhance resilience towards any unforeseen adverse Focused on delivering sustainable shareholder returns over the macroec
Slide 14: Ongoing regional conflict is creating uncertainty for growth and demand in the short-term
Ongoing regional conflict is creating uncertainty for growth and demand in the UAB. short-term; however, medium-term outlook remains positive structurally asta yall UNITED ARAB BANK LLL We remain cautiously optimistic on the outlook for FY 2026: 4 ness cE ori 7 yer : F technology economic sentiment
Slide 15: APPENDIX
APPENDIX UAB aaALod! puyol! Elia UNITED ARAB BANK
Slide 16: Summary financials - Income statement and related ratios
Summary financials - Income statement and related ratios Income statement highlights (AED Million) H1'26 H1'25 At 226 725 no ar ang Net Interest Income 317 275 15 159 158 1 157 1 Non-Interest Income 104 98 6 69 50 37 35 95 Total Income 421 374 13 228 208 10 193 18 Operating Expenses (194) (177) 9 (1
Slide 17: Summary financials - Balance sheet and related ratios
Summary financials - Balance sheet and related ratios aT a . . %chg - %chg - %chg Balance sheet highlights (AED Billion) Jun-26 Jun-25 vs Jun'25 Dec-25 v. Dec'25 Mar-26 \. Mar'26 Total Assets 27.7 23.9 16 27.0 3 26.9 3 Loans, advances & Islamic financing 15.3 13.4 14 14.6 5 15.1 2 Investments, 8.3 6
Slide 18: Disclaimer
Disclaimer UAB anioll yujall Lull UNITED ARAB BANK + This presentation has been prepared for information purposes only and is not and does not form part of any offer for sale or solicitation of any offer to subscribe for or purchase or sell any securities nor shall it or any part of it form the basi
Slide 19: For any further queries, please contact
For any further queries, please contact UAB Investor Relations irfuab.ae a UAB Financials & Annual Reports Sustainability / ESG Reports 00006 custuce | United Arab Bank (P. ab.ae | @ 800474 C))is licensed and regulated by the Central Bank of the UAE.