United Arab Bank · ADX:UAB
United Arab Bank — FY2025 Earnings Presentation
19 slides from United Arab Bank's earnings presentation, Feb 9, 2026
Slide 1: Financial Year 2025 Earnings Presentation
REATING VALUE. ——=——— ———— 2 VELIVERING PROFITABLE GROWTH. Financial Year 2025 Earnings presentation 9 February 2026 —<$<$_—_ —
Slide 2: Creating value. Delivering profitable growth.
Creating value. Delivering profitable growth. UAB Consistently delivering strong results or Executing customer-centric S== while driving sustainable growth @=@ transformation initiatives € Islamic and Retail banking franchises (Ra) Invest in people, products, processes and building momentum systems,
Slide 3: FY'25 Net Profit up 45% year-on-year
FY’25 Net Profit up 45% year-on-year FY'25 earnings growth driven by solid asset [M@SS)au EG r eo y and revenue growth, and strong recoveries B438mn “2” + Core business momentum continues to drive revenue growth across both, interest and non-interest income Total Assets PB 27bn +26% ea) : yoy Net Pr
Slide 4: Stellar growth in profits attributable to consistent operational performance
Stellar growth in profits attributable to consistent operational performance, coupled UAB. with strong recoveries and disciplined expense management asiall yy Ll UNITED ARAB BANK LLL FY‘25 net profit growth driven by higher .. coupled with disciplined expense Income statement highlights lin AED Mill
Slide 5: Strong asset growth and focus on non-interest income drive total income growth
Strong asset growth and strategic focus on enhancing non-interest income through UAB. cross-sell and FX income, drive double-digit growth in total income Operating income: both, Nil and non-interest income grew strongly in FY'25 yoy (AED Mn) +1% qoq, — +34% yoy Non-int inc: +15%qog, +58% yoy Non-int
Slide 6: Expense growth reflects investment in the business; cost-income ratio improved to 46%
Expense growth reflects investment in the business and non-discretionary regulatory driven expenses; cost-i come ratio improved to 46% on the back of positive jaws ratio Efficiently managing expenses and investing across people, products, processes and systems, in line with the medium-term growth st
Slide 7: Strong recoveries and prudent risk management lead to net impairment reversals
Strong recoveries and prudent risk management lead to net impairment UAB. reversals in FY'25 anioll yujall Lull UNITED ARAB BANK Firmly focused on ensuring healthy asset quality and implementation of prudent risk management practices, amid strong business growth CoR - ytd (bps} oO Oo © @® @& mM |mpa
Slide 8: Robust fundamentals and strong customer-led growth remain key drivers
Robust fundamentals and strong customer-led growth remain key drivers of our UAB. sustainable and profitable growth ees peers Se SE Total Assets 27.0 10 26 Loans and advances 14.6 ] 2 Investments 19 6 3 Customers’ deposits 17.8 24 31 of which CASA deposits 6.5 31 42 Total Equity incl AT1) 4.0 2 58 K
Slide 9: Quality investment portfolio mandated to meet liquidity requirements
Quality investment portfolio mandated to meet liquidity requirements and enhance UAB. yield atoll puyol Chill UNITED ARAB BANK Investments book primarily consist of debt instruments = Debt - Amortised cost 17 3.0 = Debt - FVOCI 43 48 = Equity - FVOCI 0.001 0.001 TOTAL INVESTMENTS 6.0 79 37% of expos
Slide 10: Growth in loans driven by corporate and retail customers
Growth in loans driven by both - corporate and retail customers; retail lending and UAB. Islamic financing contribution increasing gradually asiall yy Ll UNITED ARAB BANK Gross loans grew by 24% yoy; business pipeline remains robust Growth in loans led by corporate (+25%) and retail term loans (+49%
Slide 11: Liquidity and funding metrics remain well within regulatory thresholds
Liquidity and funding metrics remain well within regulatory thresholds; Focused on enhancing CASA deposits to support funding cost optimisation UAB anioll yujall Lull UNITED ARAB BANK Remain focused on enhancing CASA% to support funding costs optimisation High-cost deposits shed leading to improveme
Slide 12: [193] [197] [239] [179] [183]
[193] [197] [239] [179] [183]
Slide 13: Robust capital position and improved shareholder returns
Robust capital posi on and improved shareholder returns; successful rights issuance has boosted capital for further growth and enhanced resilience towards unforeseen macroeconomic shocks Strong earnings and new capital raised via a fully subscribed rights issue Improved shareholder returns has signi
Slide 14: Continue to capitalise on favourable economic fundamentals and strong business momentum
Continue to capitalise on favourable economic fundamentals and strong business UAB. momentum 2st gyal el UNITED ARAB BANK LLL We remain cautiously optimistic on the outlook for FY 2026: reguiear sue) nae ment * positive GDP growth’, further picking up pace ahead, with strong contribution from non-oi
Slide 15: Appendix
APPENDIX Uganio Lolc years united UAB aaLos! puyol! Gil! UNITED ARAB BANK
Slide 16: Summary financials - Income statement and related ratios
Summary financials - Income statement and related ratios Income statement highlights (AED Million) FY'25 FY26 eno | aw25 a3i25 no aug Og Net Interest Income 579 467 24 151 151 1 113 34 Non-Interest Income 218 139 56 65 56 15 a 58 Total Income 797 606 31 216 207 5 154 41 Operating Expenses (365) (318
Slide 17: Summary financials - Balance sheet and related ratios
Summary financials - Balance sheet and related ratios UAB Aatoll puyol cliall UNITED ARAB BANK a ans %chg %chg Balance sheet highlights (AED Billion) Dec-25 Dec-24 . Dec'ng Sep-25 vs Sep'25 Total Assets 27.0 21.5 26 24.5 10 Loans, advances & Islamic financing 14.6 11.5 26 14.1 3 Investments 1.9 6.0
Slide 18: Disclaimer
Disclaimer UAB anioll yujall Lull UNITED ARAB BANK LLL + 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
Slide 19: Sree)
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