United Bank Cash Flow Statement

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	126,121	75,156	55,145	31,535	30,409	20,938
Depreciation & Amortization	12,160	8,373	6,864	5,908	4,981	4,573
Other Amortization	1,139	1,023	1,085	907.78	877.93	855.57
Gain (Loss) on Sale of Assets	-175.54	-235.3	-489.7	-6,963	-36.46	-69.57
Gain (Loss) on Sale of Investments	-15,225	-15,759	6,189	20,844	-1,814	826.57
Total Asset Writedown	532.62	476.25	-29.02	11.27	-168.61	154.86
Provision for Credit Losses	8,061	11,388	-4,608	-2,610	1,486	16,283
Change in Trading Asset Securities	-156,741	55,026	-51,489	47,322	-71,843	68,126
Change in Other Net Operating Assets	854,480	1,439,857	2,468,235	-356,427	240,965	41,579
Other Operating Activities	16,493	-23,593	11,392	6,266	1,998	9,790
Operating Cash Flow	845,856	1,550,816	2,493,283	-252,555	206,512	162,552
Operating Cash Flow Growth	-72.82%	-37.80%	-	-	27.04%	833.59%
Capital Expenditures	-93,099	-16,616	-8,913	-6,516	-3,833	-3,057
Sale of Property, Plant and Equipment	493.31	378.19	2,068	739.63	103.2	676.65
Investment in Securities	-2,069,732	-1,413,706	-2,893,415	-35,412	-287,605	-358,327
Income (Loss) Equity Investments	-989.45	-895.18	989.54	650.06	-342.16	-504.54
Divestitures	-9,053	-	-	7,628	134.09	-
Other Investing Activities	10,183	-8,566	23,918	13,972	5,854	3,526
Investing Cash Flow	-2,161,208	-1,438,509	-2,876,342	-19,589	-285,347	-357,180
Long-Term Debt Repaid	-	-3,623	-3,347	-2,960	-2,714	-2,235
Net Debt Issued (Repaid)	-7,858	-3,623	-3,347	-2,960	-2,714	-2,235
Common Dividends Paid	-60,450	-53,826	-59,236	-17,886	-23,623	-8,138
Net Increase (Decrease) in Deposit Accounts	1,600,903	5,160	596,706	148,786	121,379	206,397
Other Financing Activities	-	-	-	-	-3.85	-2.26
Financing Cash Flow	1,532,596	-52,289	534,124	127,940	95,038	196,021
Foreign Exchange Rate Adjustments	2,023	-1,665	24,115	23,254	8,724	-
Net Cash Flow	217,469	58,353	175,180	-120,949	24,927	1,393
Free Cash Flow	752,757	1,534,200	2,484,370	-259,070	202,678	159,495
Free Cash Flow Growth	-75.65%	-38.25%	-	-	27.07%	1108.76%
Free Cash Flow Margin	187.88%	627.57%	1349.71%	-203.75%	202.06%	202.76%
Free Cash Flow Per Share	303.57	626.62	1014.71	-105.81	82.78	65.14
Cash Interest Paid	2,217	3,497	1,800	795.61	1,507	912.77
Cash Income Tax Paid	123,702	83,561	45,910	33,208	19,083	3,682

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.