United Bank Limited (PSX:UBL)
Pakistan
· Delayed Price · Currency is PKR 400.67
-9.21 (-2.25%)
At close: Apr 28, 2026
United Bank Balance Sheet
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 |
| Cash & Equivalents | 641,677 | 396,150 | 263,262 | 250,008 | 109,080 | 258,071 | Upgrade
|
| Investment Securities | 9,927,042 | 9,906,275 | 5,868,292 | 4,376,853 | 1,506,791 | 1,495,957 | Upgrade
|
| Trading Asset Securities | - | 68,731 | 26,331 | 83,450 | 31,257 | 79,045 | Upgrade
|
| Total Investments | 9,927,042 | 9,975,005 | 5,894,623 | 4,460,303 | 1,538,048 | 1,575,003 | Upgrade
|
| Gross Loans | 1,479,131 | 1,507,109 | 1,581,166 | 993,082 | 1,189,063 | 849,874 | Upgrade
|
| Allowance for Loan Losses | - | -123,064 | -121,645 | -103,662 | -92,275 | -82,432 | Upgrade
|
| Other Adjustments to Gross Loans | - | -104.54 | -38.96 | -11.22 | -21.37 | -23.6 | Upgrade
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| Net Loans | 1,479,131 | 1,383,941 | 1,459,482 | 889,409 | 1,096,767 | 767,418 | Upgrade
|
| Property, Plant & Equipment | 180,838 | 157,741 | 95,823 | 85,072 | 79,403 | 76,194 | Upgrade
|
| Goodwill | - | 1,752 | 251.53 | - | - | - | Upgrade
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| Other Intangible Assets | 57,724 | 56,938 | 2,540 | 2,552 | 2,518 | 2,433 | Upgrade
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| Accrued Interest Receivable | - | 287,594 | 164,949 | 124,663 | 51,599 | 27,900 | Upgrade
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| Other Receivables | - | 24,736 | 12,318 | 2,596 | 5,761 | 1,805 | Upgrade
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| Restricted Cash | - | 209,838 | 107,542 | 60,778 | 50,641 | 45,854 | Upgrade
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| Other Current Assets | - | 128,125 | 66,183 | 24,783 | 24,269 | 19,490 | Upgrade
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| Long-Term Deferred Tax Assets | - | - | - | - | 16,751 | 3,041 | Upgrade
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| Other Real Estate Owned & Foreclosed | - | 354.9 | 42.08 | 42.08 | 40.8 | 213.34 | Upgrade
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| Other Long-Term Assets | 445,660 | 6,339 | 2,081 | 4,468 | 3,527 | 3,808 | Upgrade
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| Total Assets | 12,732,073 | 12,628,515 | 8,069,097 | 5,904,675 | 2,978,406 | 2,781,228 | Upgrade
|
| Accrued Expenses | - | 39,995 | 32,511 | 27,116 | 16,745 | 15,279 | Upgrade
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| Interest Bearing Deposits | 5,393,487 | 2,546,451 | 1,114,721 | 1,499,918 | 1,140,053 | 1,083,881 | Upgrade
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| Non-Interest Bearing Deposits | - | 2,621,639 | 1,525,155 | 1,134,798 | 897,957 | 801,891 | Upgrade
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| Total Deposits | 5,393,487 | 5,168,090 | 2,639,876 | 2,634,716 | 2,038,010 | 1,885,772 | Upgrade
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| Short-Term Borrowings | - | 6,508,753 | 4,827,684 | 2,791,651 | 509,052 | 530,666 | Upgrade
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| Current Portion of Long-Term Debt | - | 1,102 | 543.58 | 1,792 | 27,866 | 9,378 | Upgrade
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| Current Portion of Leases | - | 758.56 | 449.41 | 383.16 | 5.61 | 6.18 | Upgrade
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| Current Income Taxes Payable | - | - | - | 7,275 | - | - | Upgrade
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| Accrued Interest Payable | - | 47,777 | 56,921 | 48,661 | 40,784 | 15,964 | Upgrade
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| Other Current Liabilities | 59,167 | 129,772 | 83,421 | 40,943 | 59,051 | 43,349 | Upgrade
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| Long-Term Debt | 6,614,789 | 31,529 | 38,476 | 43,241 | 39,984 | 36,690 | Upgrade
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| Long-Term Leases | 50,414 | 38,762 | 11,932 | 10,091 | 9,609 | 8,579 | Upgrade
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| Long-Term Unearned Revenue | - | 5,605 | 5,632 | 2,502 | 1,857 | 1,229 | Upgrade
|
| Pension & Post-Retirement Benefits | - | 4,158 | 4,098 | 2,590 | 2,674 | 2,330 | Upgrade
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| Long-Term Deferred Tax Liabilities | 12,876 | 136,300 | 39,311 | 1,559 | - | - | Upgrade
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| Other Long-Term Liabilities | 179,125 | 10,623 | 7,434 | 5,761 | 3,575 | 3,672 | Upgrade
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| Total Liabilities | 12,309,857 | 12,123,223 | 7,748,289 | 5,618,802 | 2,749,214 | 2,552,914 | Upgrade
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| Common Stock | 12,521 | 12,521 | 12,242 | 12,242 | 12,242 | 12,242 | Upgrade
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| Additional Paid-In Capital | - | 10,474 | - | - | - | - | Upgrade
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| Retained Earnings | 209,050 | 248,910 | 171,403 | 144,257 | 137,842 | 128,336 | Upgrade
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| Comprehensive Income & Other | 200,571 | 233,316 | 137,113 | 114,469 | 69,983 | 79,124 | Upgrade
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| Total Common Equity | 422,142 | 505,221 | 320,758 | 270,968 | 220,067 | 219,702 | Upgrade
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| Minority Interest | 73.58 | 70.45 | 49.91 | 14,904 | 9,125 | 8,612 | Upgrade
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| Shareholders' Equity | 422,216 | 505,292 | 320,808 | 285,873 | 229,192 | 228,314 | Upgrade
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| Total Liabilities & Equity | 12,732,073 | 12,628,515 | 8,069,097 | 5,904,675 | 2,978,406 | 2,781,228 | Upgrade
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| Total Debt | 6,665,203 | 6,580,905 | 4,879,085 | 2,847,158 | 586,518 | 585,319 | Upgrade
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| Net Cash (Debt) | -6,023,526 | -6,099,024 | -4,586,999 | -2,491,752 | -360,884 | -196,602 | Upgrade
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| Net Cash Per Share | -2405.02 | -2445.79 | -1873.50 | -1017.72 | -147.40 | -80.30 | Upgrade
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| Filing Date Shares Outstanding | 2,505 | 2,504 | 2,448 | 2,448 | 2,448 | 2,448 | Upgrade
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| Total Common Shares Outstanding | 2,505 | 2,504 | 2,448 | 2,448 | 2,448 | 2,448 | Upgrade
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| Book Value Per Share | 168.54 | 201.75 | 131.01 | 110.67 | 89.88 | 89.73 | Upgrade
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| Tangible Book Value | 364,418 | 446,531 | 317,966 | 268,416 | 217,549 | 217,269 | Upgrade
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| Tangible Book Value Per Share | 145.49 | 178.31 | 129.87 | 109.63 | 88.85 | 88.74 | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.