United Bank Limited (PSX:UBL)
Pakistan
· Delayed Price · Currency is PKR 400.67
-9.21 (-2.25%)
At close: Apr 28, 2026
United Bank Income Statement
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. 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 | 1,247,421 | 1,184,861 | 1,084,641 | 535,212 | 257,830 | 152,761 | Upgrade
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| Interest Income on Investments | 1,623 | 2,340 | 1,742 | 1,614 | 1,537 | 1,571 | Upgrade
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| Total Interest Income | 1,249,044 | 1,187,202 | 1,086,383 | 536,826 | 259,366 | 154,332 | Upgrade
|
| Interest Paid on Deposits | 870,670 | 823,309 | 911,094 | 386,236 | 150,086 | 78,025 | Upgrade
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| Net Interest Income | 378,374 | 363,892 | 175,290 | 150,590 | 109,280 | 76,307 | Upgrade
|
| Net Interest Income Growth (YoY) | 63.23% | 107.59% | 16.40% | 37.80% | 43.21% | -2.10% | Upgrade
|
| Gain (Loss) on Sale of Assets | 156.57 | 156.57 | 235.3 | 489.7 | 183.73 | 36.46 | Upgrade
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| Gain (Loss) on Sale of Investments | 34,478 | 9,879 | 45,487 | 532.78 | 560.59 | 3,478 | Upgrade
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| Other Non-Interest Income | 53,017 | 50,329 | 36,230 | 33,435 | 34,723 | 19,236 | Upgrade
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| Total Non-Interest Income | 87,651 | 60,364 | 81,953 | 34,458 | 35,468 | 22,750 | Upgrade
|
| Non-Interest Income Growth (YoY) | 13.67% | -26.34% | 137.84% | -2.85% | 55.90% | 26.58% | Upgrade
|
| Revenues Before Loan Losses | 466,025 | 424,256 | 257,242 | 185,047 | 144,748 | 99,057 | Upgrade
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| Provision for Loan Losses | -3,500 | -4,653 | 12,775 | 980.16 | 17,599 | -1,252 | Upgrade
|
| Revenue | 469,524 | 428,910 | 244,467 | 184,067 | 127,149 | 100,309 | Upgrade
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| Revenue Growth (YoY) | 58.61% | 75.45% | 32.81% | 44.77% | 26.76% | 27.52% | Upgrade
|
| Salaries and Employee Benefits | 6,222 | 5,704 | 3,146 | 2,159 | 1,353 | 1,035 | Upgrade
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| Selling, General & Administrative | 14,028 | 14,028 | 8,145 | 4,550 | 3,361 | 2,739 | Upgrade
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| Other Non-Interest Expense | 132,481 | 119,037 | 89,035 | 65,784 | 53,350 | 44,907 | Upgrade
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| Total Non-Interest Expense | 153,954 | 137,802 | 99,430 | 73,482 | 58,713 | 48,338 | Upgrade
|
| EBT Excluding Unusual Items | 315,571 | 291,108 | 145,037 | 110,585 | 68,435 | 51,970 | Upgrade
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| Asset Writedown | - | - | - | - | - | 196.89 | Upgrade
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| Pretax Income | 315,571 | 291,108 | 145,037 | 110,585 | 68,435 | 52,167 | Upgrade
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| Income Tax Expense | 173,241 | 161,087 | 70,198 | 54,114 | 36,375 | 21,474 | Upgrade
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| Earnings From Continuing Operations | 142,329 | 130,020 | 74,839 | 56,471 | 32,061 | 30,693 | Upgrade
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| Earnings From Discontinued Operations | - | - | 332.12 | - | 20.95 | -70.68 | Upgrade
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| Minority Interest in Earnings | -18.77 | -20.49 | -15.1 | -1,326 | -546.2 | -213.12 | Upgrade
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| Net Income | 142,310 | 130,000 | 75,156 | 55,145 | 31,535 | 30,409 | Upgrade
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| Net Income to Common | 142,310 | 130,000 | 75,156 | 55,145 | 31,535 | 30,409 | Upgrade
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| Net Income Growth | 49.35% | 72.97% | 36.29% | 74.87% | 3.71% | 45.23% | Upgrade
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| Basic Shares Outstanding | 2,505 | 2,494 | 2,448 | 2,448 | 2,448 | 2,448 | Upgrade
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| Diluted Shares Outstanding | 2,505 | 2,494 | 2,448 | 2,448 | 2,448 | 2,448 | Upgrade
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| Shares Change (YoY) | 2.16% | 1.85% | - | - | - | - | Upgrade
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| EPS (Basic) | 56.82 | 52.13 | 30.70 | 22.52 | 12.88 | 12.42 | Upgrade
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| EPS (Diluted) | 56.82 | 52.13 | 30.70 | 22.52 | 12.88 | 12.42 | Upgrade
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| EPS Growth | 46.20% | 69.83% | 36.29% | 74.87% | 3.71% | 45.23% | Upgrade
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| Dividend Per Share | 32.000 | 29.500 | 22.000 | 22.000 | 11.000 | 9.000 | Upgrade
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| Dividend Growth | 45.45% | 34.09% | - | 100.00% | 22.22% | 50.00% | Upgrade
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| Effective Tax Rate | 54.90% | 55.34% | 48.40% | 48.93% | 53.15% | 41.16% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.