United Bank Income Statement

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	1,184,861	1,084,641	535,212	257,830	152,761
Interest Income on Investments	2,340	1,742	1,614	1,537	1,571
Total Interest Income	1,187,202	1,086,383	536,826	259,366	154,332
Interest Paid on Deposits	823,309	911,094	386,236	150,086	78,025
Net Interest Income	363,892	175,290	150,590	109,280	76,307
Net Interest Income Growth (YoY)	107.59%	16.40%	37.80%	43.21%	-2.10%
Gain (Loss) on Sale of Assets	156.57	235.3	489.7	183.73	36.46
Gain (Loss) on Sale of Investments	9,879	45,487	532.78	560.59	3,478
Other Non-Interest Income	50,329	36,230	33,435	34,723	19,236
Total Non-Interest Income	60,364	81,953	34,458	35,468	22,750
Non-Interest Income Growth (YoY)	-26.34%	137.84%	-2.85%	55.90%	26.58%
Revenues Before Loan Losses	424,256	257,242	185,047	144,748	99,057
Provision for Loan Losses	-4,653	12,775	980.16	17,599	-1,252
Revenue	428,910	244,467	184,067	127,149	100,309
Revenue Growth (YoY)	75.45%	32.81%	44.77%	26.76%	27.52%
Salaries and Employee Benefits	5,704	3,146	2,159	1,353	1,035
Selling, General & Administrative	14,028	8,145	4,550	3,361	2,739
Other Non-Interest Expense	119,037	89,035	65,784	53,350	44,907
Total Non-Interest Expense	137,802	99,430	73,482	58,713	48,338
EBT Excluding Unusual Items	291,108	145,037	110,585	68,435	51,970
Asset Writedown	-	-	-	-	196.89
Pretax Income	291,108	145,037	110,585	68,435	52,167
Income Tax Expense	161,087	70,198	54,114	36,375	21,474
Earnings From Continuing Operations	130,020	74,839	56,471	32,061	30,693
Earnings From Discontinued Operations	-	332.12	-	20.95	-70.68
Minority Interest in Earnings	-20.49	-15.1	-1,326	-546.2	-213.12
Net Income	130,000	75,156	55,145	31,535	30,409
Net Income to Common	130,000	75,156	55,145	31,535	30,409
Net Income Growth	72.97%	36.29%	74.87%	3.71%	45.23%
Basic Shares Outstanding	2,494	2,448	2,448	2,448	2,448
Diluted Shares Outstanding	2,494	2,448	2,448	2,448	2,448
Shares Change (YoY)	1.85%	-	-	-	-
EPS (Basic)	52.13	30.70	22.52	12.88	12.42
EPS (Diluted)	52.13	30.70	22.52	12.88	12.42
EPS Growth	69.83%	36.29%	74.87%	3.71%	45.23%
Dividend Per Share	29.500	22.000	22.000	11.000	9.000
Dividend Growth	34.09%	-	100.00%	22.22%	50.00%
Effective Tax Rate	55.34%	48.40%	48.93%	53.15%	41.16%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.