United Commercial Bank PLC (DSE: UCB)

United Commercial Bank Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	34,616	22,455	17,977	23,834	23,994	14,467
Investment Securities	87,240	85,611	79,010	9,384	9,959	10,772
Total Investments	87,240	85,611	79,010	9,384	9,959	10,772
Gross Loans	572,649	510,710	474,737	408,310	356,066	325,484
Net Loans	572,649	510,710	474,737	408,310	356,066	325,484
Property, Plant & Equipment	19,792	19,583	17,027	17,018	14,625	14,540
Accrued Interest Receivable	-	1,933	1,991	-	-	-
Other Receivables	-	1.46	503.41	-	-	-
Restricted Cash	18,993	36,186	30,939	25,380	24,948	26,403
Other Current Assets	-	2,692	4,946	916.52	2,070	2,014
Long-Term Deferred Tax Assets	-	5,965	5,470	-	-	-
Other Long-Term Assets	18,832	2,420	707.61	85,582	66,918	55,833
Total Assets	752,123	687,559	633,307	570,425	498,579	449,514
Interest Bearing Deposits	430,249	376,682	324,700	299,832	274,697	263,222
Non-Interest Bearing Deposits	106,566	126,366	92,968	78,346	69,336	57,780
Total Deposits	536,815	503,048	417,667	378,179	344,033	321,002
Current Portion of Long-Term Debt	-	-	-	62,935	37,243	22,393
Current Income Taxes Payable	-	3,889	5,698	6,571	5,857	5,416
Accrued Interest Payable	-	6,604	5,188	4,847	5,019	8,503
Other Current Liabilities	7,406	8,436	7,079	8,925	8,457	9,569
Long-Term Debt	76,558	66,590	107,040	26,476	24,998	19,732
Long-Term Leases	-	3,923	4,282	4,661	4,594	4,854
Other Long-Term Liabilities	88,915	53,491	46,175	40,443	32,640	24,682
Total Liabilities	709,694	645,980	593,129	533,036	462,840	416,150
Common Stock	15,504	14,765	14,062	12,784	12,175	11,595
Additional Paid-In Capital	1,455	1,455	1,455	1,455	1,455	1,455
Retained Earnings	22,721	22,261	21,864	20,518	19,316	17,555
Comprehensive Income & Other	2,749	3,097	2,797	2,632	2,793	2,758
Total Common Equity	42,429	41,579	40,178	37,389	35,739	33,364
Minority Interest	0	0	0	0	0	0
Shareholders' Equity	42,429	41,579	40,178	37,389	35,739	33,364
Total Liabilities & Equity	752,123	687,559	633,307	570,425	498,579	449,514
Total Debt	76,558	70,513	111,322	94,071	66,835	46,979
Net Cash (Debt)	-41,942	-48,058	-93,346	-70,237	-42,841	-32,511
Net Cash Per Share	-27.67	-31.71	-61.59	-45.30	-27.63	-21.00
Filing Date Shares Outstanding	1,550	1,550	1,550	1,550	1,550	1,550
Total Common Shares Outstanding	1,550	1,550	1,550	1,550	1,550	1,550
Book Value Per Share	27.37	26.82	25.92	24.12	23.05	21.52
Tangible Book Value	42,429	41,579	40,178	37,389	35,739	33,364
Tangible Book Value Per Share	27.37	26.82	25.92	24.12	23.05	21.52

Source: S&P Capital IQ. Banks template. Financial Sources.