The United Bank (EGX:UBEE)
Egypt · Delayed Price · Currency is EGP 14.65
-0.03 (-0.20%)
At close: Aug 25, 2026
The United Bank Income Statement
Financials in millions EGP. Fiscal year is January - December.
Millions EGP. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 | 14,492 | 14,057 | 13,006 | 9,949 | 6,612 | 4,877 |
Interest Income on Investments | 172.41 | 151.24 | 121.15 | 90.08 | 66.29 | 61.35 |
Total Interest Income | 14,665 | 14,208 | 13,127 | 10,039 | 6,679 | 4,938 |
Interest Paid on Deposits | 8,927 | 8,741 | 8,195 | 6,675 | 3,970 | 2,720 |
Net Interest Income | 5,738 | 5,467 | 4,932 | 3,364 | 2,709 | 2,218 |
Net Interest Income Growth | 6.20% | 10.84% | 46.60% | 24.20% | 22.11% | 9.55% |
Income From Trading Activities | 183.73 | 151.26 | 182.51 | - | 101.41 | 49.31 |
Gain (Loss) on Sale of Assets | -0.88 | 0.02 | 10.53 | 73.24 | 51.98 | 16.69 |
Gain (Loss) on Sale of Investments | 131.36 | 122.41 | 34.82 | 42.78 | 89.37 | 165.64 |
Other Non-Interest Income | 680.78 | 665.4 | 608.74 | 658.55 | 328.29 | 213.77 |
Total Non-Interest Income | 994.98 | 939.09 | 836.6 | 774.57 | 571.05 | 445.41 |
Non-Interest Income Growth | 4.24% | 12.25% | 8.01% | 35.64% | 28.21% | 14.54% |
Revenues Before Loan Losses | 6,733 | 6,406 | 5,769 | 4,139 | 3,280 | 2,664 |
Provision for Loan Losses | 454.38 | 217.59 | 146.68 | 199.05 | 36.49 | 19.86 |
| 6,279 | 6,188 | 5,622 | 3,940 | 3,243 | 2,644 | |
Revenue Growth | -0.64% | 10.07% | 42.70% | 21.48% | 22.68% | 0.19% |
Salaries and Employee Benefits | - | - | - | - | 722.51 | 650.94 |
Selling, General & Administrative | 2,501 | 2,198 | 1,856 | 1,524 | 535.02 | 480.63 |
Other Non-Interest Expense | 266.85 | 309.13 | 23.32 | 55.68 | 30.6 | -30.26 |
Total Non-Interest Expense | 2,768 | 2,507 | 1,879 | 1,580 | 1,288 | 1,101 |
EBT Excluding Unusual Items | 3,511 | 3,681 | 3,742 | 2,360 | 1,955 | 1,542 |
Pretax Income | 3,511 | 3,681 | 3,742 | 2,360 | 1,955 | 1,542 |
Income Tax Expense | 1,318 | 1,250 | 909.49 | 617.61 | 623.8 | 396.99 |
Earnings From Continuing Operations | 2,193 | 2,431 | 2,833 | 1,742 | 1,331 | 1,145 |
Minority Interest in Earnings | -9.47 | -10.56 | -12.88 | -10.07 | -7.05 | -6.5 |
Net Income | 2,184 | 2,421 | 2,820 | 1,732 | 1,324 | 1,139 |
Preferred Dividends & Other Adjustments | 452.54 | 465.12 | 312.07 | 190.85 | 152.61 | 129.89 |
Net Income to Common | 1,731 | 1,956 | 2,508 | 1,541 | 1,172 | 1,009 |
Net Income Growth | -38.30% | -22.02% | 62.71% | 31.56% | 16.11% | -13.19% |
Basic Shares Outstanding | 1,100 | 1,100 | 1,100 | 1,100 | 500 | 371 |
Diluted Shares Outstanding | 1,100 | 1,100 | 1,100 | 1,100 | 500 | 371 |
Shares Change | - | - | - | 120.00% | 34.60% | 3.70% |
EPS (Basic) | 1.57 | 1.78 | 2.28 | 1.40 | 2.34 | 2.72 |
EPS (Diluted) | 1.57 | 1.78 | 2.28 | 1.40 | 2.34 | 2.72 |
EPS Growth | -38.30% | -22.02% | 62.71% | -40.20% | -13.74% | -16.29% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 | - | - | 0.750 | - | - | - |
Dividend Growth | - | - | - | - | - | - |
Effective Tax Rate | 37.53% | 33.95% | 24.30% | 26.17% | 31.91% | 25.74% |