United Commercial Bank PLC (DSE:UCB)
Bangladesh · Delayed Price · Currency is BDT 8.70
+0.20 (2.35%)
At close: Nov 4, 2026
United Commercial Bank Cash Flow Statement
Financials in millions BDT. Fiscal year is January - December.
Millions BDT. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Net Income | -250.23 | 238.29 | 80.06 | 2,198 | 3,299 | 2,507 |
Depreciation & Amortization | -137.07 | 1,609 | 1,703 | 1,587 | 1,464 | 1,298 |
Other Amortization | 144.96 | 144.96 | 247.37 | 242.17 | 245.59 | 192.71 |
Change in Trading Asset Securities | 1,656 | -1,036 | 713.62 | -467.18 | -647.48 | 57.87 |
Change in Other Net Operating Assets | -152,709 | -116,840 | -65,284 | -43,667 | -60,286 | -65,553 |
Other Operating Activities | 6,189 | 10,364 | 18,878 | 3,210 | -393.43 | 3,245 |
Operating Cash Flow | -145,107 | -105,519 | -43,662 | -36,897 | -56,318 | -58,252 |
Operating Cash Flow Growth | - | - | - | - | - | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Capital Expenditures | -249.24 | -996.3 | -1,389 | -3,811 | -1,635 | -3,495 |
Investment in Securities | 35.68 | -912.25 | -163.94 | 409.05 | -1,175 | -142.5 |
Investing Cash Flow | 1,804 | -1,909 | -1,553 | -3,402 | -2,810 | -3,638 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Long-Term Debt Issued | - | - | 12,622 | - | 19,448 | 29,643 |
Long-Term Debt Repaid | - | -16,597 | - | -36,215 | -1,820 | -3,000 |
Net Debt Issued (Repaid) | 29,970 | -16,597 | 12,622 | -36,215 | 17,628 | 26,643 |
Issuance of Common Stock | 133.51 | 133.51 | - | - | - | - |
Common Dividends Paid | -570 | -570 | -1,326 | -1,071 | - | -608.76 |
Net Increase (Decrease) in Deposit Accounts | 120,044 | 131,604 | 40,735 | 85,731 | 37,687 | 34,557 |
Other Financing Activities | - | - | 0 | - | - | - |
Financing Cash Flow | 149,578 | 114,571 | 52,031 | 48,445 | 55,315 | 60,591 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Foreign Exchange Rate Adjustments | 1,438 | 1,443 | 1,500 | 1,588 | 3,516 | 1,571 |
Net Cash Flow | 7,714 | 8,586 | 8,316 | 9,733 | -298.22 | 272.28 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Free Cash Flow | -145,356 | -106,516 | -45,051 | -40,709 | -57,953 | -61,748 |
Free Cash Flow Growth | - | - | - | - | - | - |
Free Cash Flow Margin | -531.64% | -459.06% | -177.14% | -149.80% | -240.64% | -278.47% |
Free Cash Flow Per Share | -92.55 | -68.70 | -29.06 | -26.89 | -38.24 | -39.83 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Cash Interest Paid | 13,436 | 45,414 | 27,353 | 21,016 | 16,806 | 14,278 |
Cash Income Tax Paid | 646.61 | 4,166 | 2,956 | 3,715 | 4,638 | 3,499 |