United Bank for Africa Plc (NGX:UBA)
Nigeria
· Delayed Price · Currency is NGN 40.00
+0.85 (2.17%)
At close: Dec 5, 2025
United Bank for Africa Income Statement
Financials in millions NGN. Fiscal year is January - December.
Millions NGN. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 - 2015 |
| Interest Income on Loans | 2,463,651 | 2,295,890 | 1,073,246 | 556,737 | 473,909 | 422,655 | Upgrade
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| Interest Income on Investments | 87,769 | 74,147 | 2,101 | 415 | 353 | 5,207 | Upgrade
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| Total Interest Income | 2,551,420 | 2,370,037 | 1,075,347 | 557,152 | 474,262 | 427,862 | Upgrade
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| Interest Paid on Deposits | 952,395 | 839,250 | 367,807 | 177,663 | 157,551 | 168,395 | Upgrade
|
| Net Interest Income | 1,599,025 | 1,530,787 | 707,540 | 379,489 | 316,711 | 259,467 | Upgrade
|
| Net Interest Income Growth (YoY) | 16.91% | 116.35% | 86.45% | 19.82% | 22.06% | 16.94% | Upgrade
|
| Gain (Loss) on Sale of Assets | 208 | 107 | 121 | 21 | 1,992 | -168 | Upgrade
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| Gain (Loss) on Sale of Investments | -17,553 | -17,553 | -62,583 | -22,297 | -3,012 | -4,566 | Upgrade
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| Other Non-Interest Income | 427,664 | 553,530 | 848,860 | 213,114 | 124,291 | 143,575 | Upgrade
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| Total Non-Interest Income | 410,319 | 536,084 | 786,398 | 190,838 | 123,271 | 138,841 | Upgrade
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| Non-Interest Income Growth (YoY) | -36.65% | -31.83% | 312.08% | 54.81% | -11.21% | 13.34% | Upgrade
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| Revenues Before Loan Losses | 2,009,344 | 2,066,871 | 1,493,938 | 570,327 | 439,982 | 398,308 | Upgrade
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| Provision for Loan Losses | 150,379 | 216,967 | 144,049 | 19,671 | 9,851 | 22,443 | Upgrade
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| Revenue | 1,858,965 | 1,849,904 | 1,349,889 | 550,656 | 430,131 | 375,865 | Upgrade
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| Revenue Growth (YoY) | -1.78% | 37.04% | 145.14% | 28.02% | 14.44% | 14.58% | Upgrade
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| Salaries and Employee Benefits | 360,075 | 314,660 | 182,812 | 113,988 | 93,244 | 87,545 | Upgrade
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| Occupancy Expenses | 60,284 | 48,608 | 36,596 | 26,218 | 22,700 | 20,005 | Upgrade
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| Selling, General & Administrative | 48,595 | 50,744 | 18,859 | 11,022 | 8,747 | 8,509 | Upgrade
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| Other Non-Interest Expense | 610,794 | 632,166 | 353,942 | 198,863 | 154,295 | 133,620 | Upgrade
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| Total Non-Interest Expense | 1,079,748 | 1,046,178 | 592,209 | 349,780 | 277,058 | 248,608 | Upgrade
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| EBT Excluding Unusual Items | 779,217 | 803,726 | 757,680 | 200,876 | 153,073 | 127,257 | Upgrade
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| Pretax Income | 778,840 | 803,726 | 757,680 | 200,876 | 153,073 | 127,257 | Upgrade
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| Income Tax Expense | 58 | 37,158 | 149,984 | 30,599 | 34,395 | 18,095 | Upgrade
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| Earnings From Continuing Operations | 778,782 | 766,568 | 607,696 | 170,277 | 118,678 | 109,162 | Upgrade
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| Minority Interest in Earnings | -40,291 | -23,447 | -9,411 | -4,826 | -2,795 | -3,253 | Upgrade
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| Net Income | 738,491 | 743,121 | 598,285 | 165,451 | 115,883 | 105,909 | Upgrade
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| Net Income to Common | 738,491 | 743,121 | 598,285 | 165,451 | 115,883 | 105,909 | Upgrade
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| Net Income Growth | 9.52% | 24.21% | 261.61% | 42.77% | 9.42% | 22.84% | Upgrade
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| Basic Shares Outstanding | 36,943 | 34,199 | 34,199 | 34,199 | 34,199 | 34,199 | Upgrade
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| Diluted Shares Outstanding | 36,943 | 34,199 | 34,199 | 34,199 | 34,199 | 34,199 | Upgrade
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| Shares Change (YoY) | 8.02% | - | - | - | - | - | Upgrade
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| EPS (Basic) | 19.99 | 21.73 | 17.49 | 4.84 | 3.39 | 3.10 | Upgrade
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| EPS (Diluted) | 19.99 | 21.73 | 17.49 | 4.84 | 3.39 | 3.10 | Upgrade
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| EPS Growth | 1.39% | 24.21% | 261.61% | 42.77% | 9.42% | 22.84% | Upgrade
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| Dividend Per Share | 3.250 | 5.000 | 2.800 | 1.100 | 1.000 | 0.520 | Upgrade
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| Dividend Growth | -24.42% | 78.57% | 154.54% | 10.00% | 92.31% | -48.00% | Upgrade
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| Effective Tax Rate | 0.01% | 4.62% | 19.79% | 15.23% | 22.47% | 14.22% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.