EUROPE ARAB BANK PLC
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Cash
—
Latest balance sheet
Net assets
£295M
EUR 344,262,000
+7.2% highest in 3 filed years
Employees
—
Average over period
Profit before tax
£17M
EUR 19,282,000
-0.8% vs 2024
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Net interest income | — | £44,456,922 | £43,011,573 | -3.3% | |
| Fee & commission income | — | £4,384,055 | £4,828,118 | +10.1% | |
| Operating income | — | £55,567,938 | £57,688,813 | +3.8% | |
| Impairment losses | — | £4,630,090 | £4,918,988 | +6.2% | |
| Profit before tax | £11,035,577 | £16,668,667 | £16,529,790 | -0.8% | |
| Net profit | £9,578,225 | £14,461,209 | £14,223,746 | -1.6% | |
| Loans & advances to customers | — | £877,671,667 | £912,716,674 | +4% | |
| Customer deposits | — | £1,252,222,889 | £1,200,130,304 | -4.2% | |
| Total assets | £1,923,497,643 | £2,134,824,689 | £2,331,466,781 | +9.2% | |
| Total liabilities | — | £1,859,501,929 | £2,036,342,906 | +9.5% | |
| Equity | £262,589,799 | £275,322,760 | £295,123,875 | +7.2% | |
| Average employees | 111 | 115 | — | — |
Figures converted to GBP from EUR at 0.857 per EUR (Frankfurter spot rate) — hover any figure for the original. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | 29.8% | 38.3% | — | |
| Net margin | 19.4% | 26.0% | — | |
| Gearing (liabilities / total assets) | 86.3% | 87.1% | — | |
| Interest cover | 0.27x | 0.31x | — |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- Forvis Mazars LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“In conclusion, the Directors have determined that the Bank is able to continue as a going concern for 12 months from the date of the approval of these financial statements. Accordingly, the Directors continue to adopt the going concern basis in preparing the Annual Report.”
Group structure
- EUROPE ARAB BANK PLC · parent
- EAB Nominee LTD 100%
- Europe Arab Bank SA 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
8 active · 27 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| MORAVKOVA, Dagmar | Secretary | 2022-06-29 | — | — |
| BRYDEN, Ian Anderson | Director | 2026-03-01 | Sep 1955 | British |
| KAMHIYAH, Haytham | Director | 2018-12-03 | Aug 1969 | Jordanian |
| KERR, John | Director | 2021-04-03 | Mar 1948 | British |
| MEMON, Mohammad Shoaib | Director | 2020-05-21 | Sep 1981 | British |
| MODAVE, Eric Jacques | Director | 2016-04-04 | May 1966 | Belgian |
| ROBIN, Serge Michel | Director | 2025-04-10 | Aug 1958 | Swiss |
| SABBAGH, Nemeh Elias | Director | 2010-03-30 | Mar 1951 | British |
Show 27 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BAGSHAWE, James Richard | Secretary | 2005-09-27 | 2007-08-31 |
| BICHENO, Janet Heather | Secretary | 2007-09-15 | 2012-08-20 |
| MACDONALD, Andrew David | Secretary | 2012-08-20 | 2014-12-04 |
| WILSON, Andrew David | Secretary | 2014-12-04 | 2022-06-29 |
| ACCAD, Michel Antoine | Director | 2006-11-29 | 2009-03-03 |
| AKROUK, Ziyad Anwar | Director | 2011-05-23 | 2018-04-05 |
| AL MASRI, Sabih | Director | 2005-09-27 | 2006-01-12 |
| AYLWARD, Quentin Roger | Director | 2017-02-22 | 2026-02-28 |
| BISHARA, Shukry | Director | 2005-09-27 | 2006-09-13 |
| CORMACK, Ian Donald | Director | 2008-01-01 | 2009-02-05 |
| DAVIS, Ittira Poonollil | Director | 2008-11-24 | 2012-04-04 |
| EL KHAROUF, Farouk, Dr | Director | 2005-09-27 | 2008-04-23 |
| FADAYEL, Hani | Director | 2009-04-22 | 2010-03-10 |
| KLUEBER, Achim Paul Helmuth | Director | 2012-05-29 | 2019-07-31 |
| LEIGH, Edward Julian Egerton | Director | 2012-04-04 | 2021-04-03 |
| MARSTON, Davida | Director | 2006-01-12 | 2007-12-31 |
| MEMON, Mohammad Shoaib | Director | 2018-04-05 | 2018-12-03 |
| MONKS, David Phillip | Director | 2006-01-12 | 2008-04-13 |
| PLENDERLEITH, Ian | Director | 2009-03-17 | 2012-02-29 |
| SHADEED, Saleem | Director | 2021-10-13 | 2025-04-10 |
| SHARAF, Faris Abdel Hamid | Director | 2012-04-04 | 2016-04-04 |
| SHOMAN, Mohammad Abdel Hamid Abdul Majeed | Director | 2005-09-27 | 2012-08-16 |
| SOMERS, David | Director | 2006-01-12 | 2017-03-10 |
| SREIH, Antoine Elias | Director | 2006-01-12 | 2011-05-23 |
| TAMIMI, Samer | Director | 2008-05-20 | 2015-04-30 |
| TARAZI, Ghassan | Director | 2012-10-08 | 2021-07-29 |
| TOUKAN, Umayya Salah Ala Uddin, Dr | Director | 2011-01-31 | 2011-11-02 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 157 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-10 | AA | accounts | Accounts with accounts type full | |
| 2026-03-02 | AP01 | officers | Appoint person director company with name date | |
| 2026-03-02 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-14 | AUD | auditors | Auditors resignation company | |
| 2025-10-03 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-04-28 | AP01 | officers | Appoint person director company with name date | |
| 2025-04-28 | TM01 | officers | Termination director company with name termination date | |
| 2025-04-02 | AA | accounts | Accounts with accounts type full | |
| 2024-10-04 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-09-12 | CH01 | officers | Change person director company with change date | |
| 2024-09-12 | CH01 | officers | Change person director company with change date | |
| 2024-05-31 | AA | accounts | Accounts with accounts type full | |
| 2023-10-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-05-11 | AA | accounts | Accounts with accounts type group | |
| 2022-11-01 | AD01 | address | Change registered office address company with date old address new address | |
| 2022-09-29 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-09-09 | RP04AP01 | officers | Second filing of director appointment with name | |
| 2022-06-30 | AP03 | officers | Appoint person secretary company with name date | |
| 2022-06-30 | TM02 | officers | Termination secretary company with name termination date | |
| 2022-05-11 | CH01 | officers | Change person director company with change date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 5
- Capital events
- 0
- Officers appointed
- 1
- Officers resigned
- 1
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.