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 Income Statement
Financials in millions BDT. Fiscal year is January - December.
Millions BDT. Fiscal year is Jan - Dec.
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 |
Interest Income on Loans | 57,460 | 59,330 | 56,330 | 38,527 | 32,302 | 27,985 |
Interest Paid on Deposits | 56,315 | 49,293 | 35,174 | 22,239 | 17,087 | 14,167 |
Net Interest Income | 1,144 | 10,037 | 21,156 | 16,288 | 15,214 | 13,818 |
Net Interest Income Growth | -92.74% | -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 | -360.5 | 54.63 | -841.68 | -52.46 | -646.37 | 244.59 |
Other Non-Interest Income | 28,076 | 23,878 | 16,971 | 14,732 | 15,033 | 12,507 |
Total Non-Interest Income | 27,715 | 23,932 | 16,129 | 14,679 | 14,385 | 12,747 |
Non-Interest Income Growth | 34.52% | 48.38% | 9.88% | 2.05% | 12.85% | 8.64% |
Revenues Before Loan Losses | 28,859 | 33,970 | 37,285 | 30,968 | 29,599 | 26,565 |
Provision for Loan Losses | 1,518 | 10,766 | 11,853 | 3,793 | 5,516 | 4,391 |
| 27,341 | 23,203 | 25,432 | 27,175 | 24,083 | 22,174 | |
Revenue Growth | 35.80% | -8.77% | -6.41% | 12.84% | 8.61% | 14.39% |
Salaries and Employee Benefits | 11,007 | 10,385 | 10,131 | 9,280 | 8,422 | 7,736 |
Occupancy Expenses | 3,257 | 2,757 | 2,844 | 2,701 | 2,377 | 2,094 |
Selling, General & Administrative | 2,994 | 3,439 | 4,263 | 4,073 | 3,758 | 3,413 |
Other Non-Interest Expense | 6,374 | 4,803 | 6,320 | 6,084 | 3,994 | 3,646 |
Total Non-Interest Expense | 23,631 | 21,384 | 23,558 | 22,138 | 18,550 | 16,890 |
EBT Excluding Unusual Items | 3,710 | 1,819 | 1,874 | 5,037 | 5,533 | 5,283 |
Asset Writedown | - | - | - | - | - | -0.1 |
Pretax Income | 3,710 | 1,819 | 1,874 | 5,037 | 5,533 | 5,283 |
Income Tax Expense | 3,561 | 1,581 | 1,794 | 2,840 | 2,234 | 2,776 |
Earnings From Continuing Operations | 148.84 | 238.29 | 80.06 | 2,198 | 3,299 | 2,507 |
Minority Interest in Earnings | 0 | 0 | -0 | -0 | 0 | -0 |
Net Income | 148.84 | 238.29 | 80.06 | 2,198 | 3,299 | 2,507 |
Net Income to Common | 148.84 | 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 | 1,570 | 1,550 | 1,550 | 1,514 | 1,516 | 1,550 |
Diluted Shares Outstanding | 1,570 | 1,550 | 1,550 | 1,514 | 1,516 | 1,550 |
Shares Change | 1.30% | - | 2.40% | -0.11% | -2.24% | - |
EPS (Basic) | 0.09 | 0.15 | 0.05 | 1.45 | 2.18 | 1.62 |
EPS (Diluted) | 0.09 | 0.15 | 0.05 | 1.45 | 2.18 | 1.62 |
EPS Growth | - | 197.63% | -96.44% | -33.31% | 34.59% | -14.98% |
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 |
Dividend Per Share | - | - | - | 0.476 | 0.454 | - |
Dividend Growth | - | - | - | 5.01% | 15.48% | - |
Effective Tax Rate | 95.99% | 86.90% | 95.73% | 56.37% | 40.38% | 52.55% |