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  "documentTitle": "UAE Banking Pulse",
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      "text": "Aggregate RoE and RoA improved by 3.3% points YoY and 0.4% points YoY to 11.1 % and 1.3% respectively, supported by higher profitability",
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      "text": "Note: All the charts above are based on FY numbers. Op Income stands for Operating Income; Scaling and some numbers might not add up due to rounding. Source: Financial statements, Investor presentations, A&M analysis",
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      "text": "Aggregate RoE and RoA improved by 3.3% points YoY and 0.4% points YoY to 11.1 % and 1.3% respectively, supported by higher profitability. Higher oil prices, strong capitalization and continued government support to reinforce UAE lenders' creditworthiness. While the UAE's government has extended the TESS scheme to June 2022 to support economic recovery, credit quality could face some stress in the latter half of the year. Potential hike in interest rates in UAE in tandem with the US could support the banking sector's earnings growth in FY'22",
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      "text": "Return on Equity: 11.1%",
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      "text": "Sector profitability recovered sharply in 2021; poised to grow further with potential interest rate hikes and economic recovery",
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