UAB Strengthens Position Amid UAE Banking Resilience

May 1, 2026

92 min

May 1, 2026 03:30

UAB well-positioned as UAE banking sector shows resilience, says Chairman

## UAE Banking Sector Resilience

The United Arab Bank (UAB) is capitalizing on the resilience of the UAE banking sector, which is supported by strong regulations, liquidity, and economic diversity. According to Sheikh Mohammed bin Faisal Al Qassimi, UAB's Chairman, the sector benefits from the Central Bank's oversight and initiatives that ensure financial stability.

## UAB's Financial Strength

UAB has reinforced its financial standing with a capital adequacy ratio of 20.4%, surpassing regulatory requirements. The bank's non-performing loan ratio has improved significantly, dropping from 8.2% at the end of 2022 to under 3%. This progress is attributed to disciplined execution and enhanced risk management.

## Strategic Initiatives

UAB has undertaken a Dh1.03 billion rights issue and secured a Dh1 billion loan to bolster its capital base. The bank aligns closely with national financial strategies, contributing to initiatives like the Jaywan cards and the AANI payments platform.

## Digital Transformation and Customer Trust

UAB is advancing its digital transformation, launching a new mobile banking app and forming fintech partnerships to enhance customer experience. The bank's deposits grew by 31% in 2025, reflecting strong customer confidence.

## Cybersecurity Focus

With the shift to digital banking, UAB prioritizes cybersecurity, investing in advanced technologies to detect and prevent threats. The bank employs AI and machine learning for transaction monitoring and fraud detection.

## Corporate Banking and SME Support

UAB's competitive edge lies in its disciplined execution. In 2025, the bank's net profit increased by 45%, driven by strong financial resilience. UAB supports SMEs and mid-market corporates, crucial to the UAE's economy, with a robust capital base allowing continued lending.

## Future Outlook

Looking ahead, UAB aims to maintain strong capital and liquidity, invest in cybersecurity, and enhance service delivery. The bank is committed to sustainability and governance, aligning with the UAE's economic vision and supporting national priorities like Emiratisation.

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