United Bank for Africa Plc (NGX:UBA)
Nigeria flag Nigeria · Delayed Price · Currency is NGN
42.40
-0.05 (-0.12%)
At close: Oct 8, 2025

United Bank for Africa Income Statement

Millions NGN. Fiscal year is Jan - Dec.
Fiscal Year
TTMFY 2024FY 2023FY 2022FY 2021FY 20202015 - 2019
Period Ending
Jun '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 2015 - 2019
Interest Income on Loans
2,621,9812,295,8901,073,246556,737473,909422,655
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Interest Income on Investments
78,13674,1472,1014153535,207
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Total Interest Income
2,700,1172,370,0371,075,347557,152474,262427,862
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Interest Paid on Deposits
1,070,921839,250367,807177,663157,551168,395
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Net Interest Income
1,629,1961,530,787707,540379,489316,711259,467
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Net Interest Income Growth (YoY)
47.57%116.35%86.45%19.82%22.06%16.94%
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Gain (Loss) on Sale of Assets
262107121211,992-168
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Gain (Loss) on Sale of Investments
-12,711-17,553-62,583-22,297-3,012-4,566
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Other Non-Interest Income
458,024553,530848,860213,114124,291143,575
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Total Non-Interest Income
445,575536,084786,398190,838123,271138,841
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Non-Interest Income Growth (YoY)
-16.96%-31.83%312.08%54.81%-11.21%13.34%
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Revenues Before Loan Losses
2,074,7712,066,8711,493,938570,327439,982398,308
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Provision for Loan Losses
193,562216,967144,04919,6719,85122,443
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1,881,2091,849,9041,349,889550,656430,131375,865
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Revenue Growth (YoY)
18.17%37.04%145.14%28.02%14.44%14.58%
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Salaries and Employee Benefits
353,005314,660182,812113,98893,24487,545
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Occupancy Expenses
54,13448,60836,59626,21822,70020,005
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Selling, General & Administrative
49,50450,74418,85911,0228,7478,509
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Other Non-Interest Expense
634,004632,166353,942198,863154,295133,620
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Total Non-Interest Expense
1,090,6471,046,178592,209349,780277,058248,608
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EBT Excluding Unusual Items
790,562803,726757,680200,876153,073127,257
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Pretax Income
790,562803,726757,680200,876153,073127,257
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Income Tax Expense
4,82237,158149,98430,59934,39518,095
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Earnings From Continuing Operations
785,740766,568607,696170,277118,678109,162
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Minority Interest in Earnings
-26,062-23,447-9,411-4,826-2,795-3,253
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Net Income
759,678743,121598,285165,451115,883105,909
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Net Income to Common
759,678743,121598,285165,451115,883105,909
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Net Income Growth
44.13%24.21%261.61%42.77%9.42%22.84%
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Basic Shares Outstanding
35,22034,19934,19934,19934,19934,199
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Diluted Shares Outstanding
35,22034,19934,19934,19934,19934,199
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Shares Change (YoY)
2.98%-----
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EPS (Basic)
21.5721.7317.494.843.393.10
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EPS (Diluted)
21.5721.7317.494.843.393.10
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EPS Growth
39.96%24.21%261.61%42.77%9.42%22.84%
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Dividend Per Share
3.2505.0002.8001.1001.0000.520
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Dividend Growth
-32.29%78.57%154.54%10.00%92.31%-48.00%
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Effective Tax Rate
0.61%4.62%19.79%15.23%22.47%14.22%
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Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.