United Commercial Bank PLC (DSE:UCB)

United Commercial Bank Income Statement

Financials in millions BDT. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	61,432	56,330	38,527	32,302	27,985	27,691
Interest Paid on Deposits	45,670	35,174	22,239	17,087	14,167	17,892
Net Interest Income	15,761	21,156	16,288	15,214	13,818	9,799
Net Interest Income Growth (YoY)	-28.68%	29.88%	7.06%	10.10%	41.02%	-11.46%
Gain (Loss) on Sale of Assets	-0.03	-0.03	-0.01	-2.3	-5.12	-
Gain (Loss) on Sale of Investments	31.16	-841.68	-52.46	-646.37	244.59	441.82
Other Non-Interest Income	20,561	16,971	14,732	15,033	12,507	11,292
Total Non-Interest Income	20,592	16,129	14,679	14,385	12,747	11,733
Non-Interest Income Growth (YoY)	19.30%	9.88%	2.05%	12.85%	8.64%	24.02%
Revenues Before Loan Losses	36,353	37,285	30,968	29,599	26,565	21,532
Provision for Loan Losses	16,231	11,853	3,793	5,516	4,391	2,148
Revenue	20,122	25,432	27,175	24,083	22,174	19,384
Revenue Growth (YoY)	-32.64%	-6.41%	12.84%	8.61%	14.39%	8.57%
Salaries and Employee Benefits	10,200	10,131	9,280	8,422	7,736	6,560
Occupancy Expenses	2,005	2,844	2,701	2,377	2,094	1,926
Selling, General & Administrative	4,245	4,049	3,999	3,758	3,413	2,491
Other Non-Interest Expense	5,367	6,534	6,158	3,994	3,646	3,164
Total Non-Interest Expense	21,817	23,558	22,138	18,550	16,890	14,141
EBT Excluding Unusual Items	-1,695	1,874	5,037	5,533	5,283	5,244
Asset Writedown	-	-	-	-	-0.1	-
Pretax Income	-1,695	1,874	5,037	5,533	5,283	5,244
Income Tax Expense	-9.26	1,794	2,840	2,234	2,776	2,295
Earnings From Continuing Operations	-1,686	80.06	2,198	3,299	2,507	2,949
Minority Interest in Earnings	-0	-0	-0	0	-0	-0
Net Income	-1,686	80.06	2,198	3,299	2,507	2,949
Net Income to Common	-1,686	80.06	2,198	3,299	2,507	2,949
Net Income Growth	-	-96.36%	-33.38%	31.57%	-14.98%	3.19%
Basic Shares Outstanding	1,514	1,514	1,514	1,516	1,550	1,550
Diluted Shares Outstanding	1,514	1,514	1,514	1,516	1,550	1,550
Shares Change (YoY)	-2.65%	-	-0.11%	-2.24%	-	0.12%
EPS (Basic)	-1.11	0.05	1.45	2.18	1.62	1.90
EPS (Diluted)	-1.11	0.05	1.45	2.18	1.62	1.90
EPS Growth	-	-96.36%	-33.31%	34.59%	-14.98%	3.06%
Dividend Per Share	-	-	0.476	0.454	-	0.393
Dividend Growth	-	-	5.01%	-	-	-
Effective Tax Rate	-	95.73%	56.37%	40.38%	52.55%	43.76%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.