United Bank for Africa Plc (NGX:UBA)
Nigeria
· Delayed Price · Currency is NGN 44.55
-4.95 (-10.00%)
At close: Apr 28, 2026
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 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2020 - 2016 |
| Interest Income on Loans | 2,681,092 | 2,639,831 | 2,295,890 | 1,073,246 | 556,737 | 473,909 | Upgrade
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| Interest Income on Investments | 9,216 | 9,216 | 74,147 | 2,101 | 415 | 353 | Upgrade
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| Total Interest Income | 2,690,308 | 2,649,047 | 2,370,037 | 1,075,347 | 557,152 | 474,262 | Upgrade
|
| Interest Paid on Deposits | 1,035,534 | 1,030,708 | 839,250 | 367,807 | 177,663 | 157,551 | Upgrade
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| Net Interest Income | 1,654,774 | 1,618,339 | 1,530,787 | 707,540 | 379,489 | 316,711 | Upgrade
|
| Net Interest Income Growth (YoY) | 4.60% | 5.72% | 116.35% | 86.45% | 19.82% | 22.06% | Upgrade
|
| Gain (Loss) on Sale of Assets | - | - | 107 | 121 | 21 | 1,992 | Upgrade
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| Gain (Loss) on Sale of Investments | 1,723 | 1,723 | -17,553 | -62,583 | -22,297 | -3,012 | Upgrade
|
| Other Non-Interest Income | 258,465 | 238,287 | 553,530 | 848,860 | 213,114 | 124,291 | Upgrade
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| Total Non-Interest Income | 260,188 | 240,010 | 536,084 | 786,398 | 190,838 | 123,271 | Upgrade
|
| Non-Interest Income Growth (YoY) | -54.29% | -55.23% | -31.83% | 312.08% | 54.81% | -11.21% | Upgrade
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| Revenues Before Loan Losses | 1,914,962 | 1,858,349 | 2,066,871 | 1,493,938 | 570,327 | 439,982 | Upgrade
|
| Provision for Loan Losses | 331,071 | 331,071 | 216,967 | 144,049 | 19,671 | 9,851 | Upgrade
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| Revenue | 1,583,891 | 1,527,278 | 1,849,904 | 1,349,889 | 550,656 | 430,131 | Upgrade
|
| Revenue Growth (YoY) | -17.71% | -17.44% | 37.04% | 145.14% | 28.02% | 14.44% | Upgrade
|
| Salaries and Employee Benefits | 376,268 | 376,268 | 314,660 | 182,812 | 113,988 | 93,244 | Upgrade
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| Occupancy Expenses | 66,680 | 66,680 | 48,608 | 36,596 | 26,218 | 22,700 | Upgrade
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| Selling, General & Administrative | 73,161 | - | 50,744 | 18,859 | 11,022 | 8,747 | Upgrade
|
| Other Non-Interest Expense | 687,993 | 660,930 | 632,166 | 353,942 | 198,863 | 154,295 | Upgrade
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| Total Non-Interest Expense | 1,204,102 | 1,103,878 | 1,046,178 | 592,209 | 349,780 | 277,058 | Upgrade
|
| EBT Excluding Unusual Items | 379,789 | 423,400 | 803,726 | 757,680 | 200,876 | 153,073 | Upgrade
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| Pretax Income | 379,789 | 423,400 | 803,726 | 757,680 | 200,876 | 153,073 | Upgrade
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| Income Tax Expense | 18,314 | 18,704 | 37,158 | 149,984 | 30,599 | 34,395 | Upgrade
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| Earnings From Continuing Operations | 361,475 | 404,696 | 766,568 | 607,696 | 170,277 | 118,678 | Upgrade
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| Minority Interest in Earnings | -31,042 | -31,042 | -23,447 | -9,411 | -4,826 | -2,795 | Upgrade
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| Net Income | 330,433 | 373,654 | 743,121 | 598,285 | 165,451 | 115,883 | Upgrade
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| Net Income to Common | 330,433 | 373,654 | 743,121 | 598,285 | 165,451 | 115,883 | Upgrade
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| Net Income Growth | -58.20% | -49.72% | 24.21% | 261.61% | 42.77% | 9.42% | Upgrade
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| Basic Shares Outstanding | 41,596 | 38,681 | 34,199 | 34,199 | 34,199 | 34,199 | Upgrade
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| Diluted Shares Outstanding | 41,596 | 38,681 | 34,199 | 34,199 | 34,199 | 34,199 | Upgrade
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| Shares Change (YoY) | 21.63% | 13.10% | - | - | - | - | Upgrade
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| EPS (Basic) | 7.94 | 9.66 | 21.73 | 17.49 | 4.84 | 3.39 | Upgrade
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| EPS (Diluted) | 7.94 | 9.66 | 21.73 | 17.49 | 4.84 | 3.39 | Upgrade
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| EPS Growth | -65.64% | -55.54% | 24.21% | 261.61% | 42.77% | 9.42% | Upgrade
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| Dividend Per Share | - | - | 5.000 | 2.800 | 1.100 | 1.000 | Upgrade
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| Dividend Growth | - | - | 78.57% | 154.54% | 10.00% | 92.31% | Upgrade
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| Effective Tax Rate | 4.82% | 4.42% | 4.62% | 19.79% | 15.23% | 22.47% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.