United Commercial Bank PLC (DSE:UCB)

United Commercial Bank Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	60,262	59,330	56,330	38,527	32,302	27,985
Interest Paid on Deposits	52,038	49,293	35,174	22,239	17,087	14,167
Net Interest Income	8,224	10,037	21,156	16,288	15,214	13,818
Net Interest Income Growth (YoY)	-59.21%	-52.56%	29.88%	7.06%	10.10%	41.02%
Gain (Loss) on Sale of Assets	-0.56	-0.56	-0.03	-0.01	-2.3	-5.12
Gain (Loss) on Sale of Investments	342.59	54.63	-841.68	-52.46	-646.37	244.59
Other Non-Interest Income	25,185	23,878	16,971	14,732	15,033	12,507
Total Non-Interest Income	25,527	23,932	16,129	14,679	14,385	12,747
Non-Interest Income Growth (YoY)	49.60%	48.38%	9.88%	2.05%	12.85%	8.64%
Revenues Before Loan Losses	33,751	33,970	37,285	30,968	29,599	26,565
Provision for Loan Losses	10,299	10,766	11,853	3,793	5,516	4,391
Revenue	23,453	23,203	25,432	27,175	24,083	22,174
Revenue Growth (YoY)	-1.60%	-8.77%	-6.41%	12.84%	8.61%	14.39%
Salaries and Employee Benefits	10,525	10,385	10,131	9,280	8,422	7,736
Occupancy Expenses	2,642	2,757	2,844	2,701	2,377	2,094
Selling, General & Administrative	3,565	3,439	4,263	4,073	3,758	3,413
Other Non-Interest Expense	5,004	4,803	6,320	6,084	3,994	3,646
Total Non-Interest Expense	21,736	21,384	23,558	22,138	18,550	16,890
EBT Excluding Unusual Items	1,717	1,819	1,874	5,037	5,533	5,283
Asset Writedown	-	-	-	-	-	-0.1
Pretax Income	1,717	1,819	1,874	5,037	5,533	5,283
Income Tax Expense	1,425	1,581	1,794	2,840	2,234	2,776
Earnings From Continuing Operations	291.59	238.29	80.06	2,198	3,299	2,507
Minority Interest in Earnings	0	0	-0	-0	0	-0
Net Income	291.59	238.29	80.06	2,198	3,299	2,507
Net Income to Common	291.59	238.29	80.06	2,198	3,299	2,507
Net Income Growth	-	197.63%	-96.36%	-33.38%	31.57%	-14.98%
Basic Shares Outstanding	1,550	1,550	1,550	1,514	1,516	1,550
Diluted Shares Outstanding	1,550	1,550	1,550	1,514	1,516	1,550
Shares Change (YoY)	-0.29%	-	2.40%	-0.11%	-2.24%	-
EPS (Basic)	0.19	0.15	0.05	1.45	2.18	1.62
EPS (Diluted)	0.19	0.15	0.05	1.45	2.18	1.62
EPS Growth	-	197.63%	-96.44%	-33.31%	34.59%	-14.98%
Dividend Per Share	-	-	-	0.476	0.454	-
Dividend Growth	-	-	-	5.01%	-	-
Effective Tax Rate	83.02%	86.90%	95.73%	56.37%	40.38%	52.55%

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