United Bank Limited (PSX:UBL)
373.48
+8.38 (2.30%)
At close: Jul 18, 2025
United Bank Balance Sheet
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 | 2015 - 2019 |
---|---|---|---|---|---|---|---|
Period Ending | Jun '25 Jun 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 | 2015 - 2019 |
Cash & Equivalents | 504,019 | 263,262 | 250,008 | 109,080 | 258,071 | 157,020 | Upgrade |
Investment Securities | 8,881,304 | 5,868,292 | 4,376,853 | 1,506,791 | 1,495,957 | 1,164,794 | Upgrade |
Trading Asset Securities | - | 26,331 | 83,450 | 31,257 | 79,045 | 6,357 | Upgrade |
Total Investments | 8,881,304 | 5,894,623 | 4,460,303 | 1,538,048 | 1,575,003 | 1,171,151 | Upgrade |
Gross Loans | - | 1,581,166 | 993,082 | 1,189,063 | 849,874 | 713,437 | Upgrade |
Allowance for Loan Losses | - | -121,645 | -103,662 | -92,275 | -82,432 | -79,351 | Upgrade |
Other Adjustments to Gross Loans | - | -38.96 | -11.22 | -21.37 | -23.6 | -22.48 | Upgrade |
Net Loans | - | 1,459,482 | 889,409 | 1,096,767 | 767,418 | 634,064 | Upgrade |
Property, Plant & Equipment | 130,788 | 95,823 | 85,072 | 79,403 | 76,194 | 57,476 | Upgrade |
Goodwill | - | 251.53 | - | - | - | - | Upgrade |
Other Intangible Assets | 64,042 | 2,540 | 2,552 | 2,518 | 2,433 | 2,026 | Upgrade |
Accrued Interest Receivable | - | 164,949 | 124,663 | 51,599 | 27,900 | 23,287 | Upgrade |
Other Receivables | - | 12,318 | 2,596 | 5,761 | 1,805 | 1,763 | Upgrade |
Restricted Cash | - | 107,542 | 60,778 | 50,641 | 45,854 | 130,703 | Upgrade |
Other Current Assets | - | 66,183 | 24,783 | 24,269 | 19,490 | 17,890 | Upgrade |
Long-Term Deferred Tax Assets | - | - | - | 16,751 | 3,041 | 4,682 | Upgrade |
Other Real Estate Owned & Foreclosed | - | 42.08 | 42.08 | 40.8 | 213.34 | 236.08 | Upgrade |
Other Long-Term Assets | 361,941 | 2,081 | 4,468 | 3,527 | 3,808 | 1,387 | Upgrade |
Total Assets | 11,095,530 | 8,069,097 | 5,904,675 | 2,978,406 | 2,781,228 | 2,201,685 | Upgrade |
Accrued Expenses | - | 32,511 | 27,116 | 16,745 | 15,279 | 13,185 | Upgrade |
Interest Bearing Deposits | 4,291,894 | 1,114,721 | 1,499,918 | 1,140,053 | 1,083,881 | 1,055,434 | Upgrade |
Non-Interest Bearing Deposits | - | 1,525,155 | 1,134,798 | 897,957 | 801,891 | 708,959 | Upgrade |
Total Deposits | 4,291,894 | 2,639,876 | 2,634,716 | 2,038,010 | 1,885,772 | 1,764,392 | Upgrade |
Short-Term Borrowings | - | 4,827,684 | 2,791,651 | 509,052 | 530,666 | 96,672 | Upgrade |
Current Portion of Long-Term Debt | - | 543.58 | 1,792 | 27,866 | 9,378 | 9,968 | Upgrade |
Current Portion of Leases | - | 449.41 | 383.16 | 5.61 | 6.18 | 5.11 | Upgrade |
Current Income Taxes Payable | - | - | 7,275 | - | - | - | Upgrade |
Accrued Interest Payable | - | 56,921 | 48,661 | 40,784 | 15,964 | 12,958 | Upgrade |
Other Current Liabilities | 52,727 | 83,421 | 40,943 | 59,051 | 43,349 | 41,909 | Upgrade |
Long-Term Debt | 6,082,616 | 38,476 | 43,241 | 39,984 | 36,690 | 38,564 | Upgrade |
Long-Term Leases | 28,507 | 11,932 | 10,091 | 9,609 | 8,579 | 7,961 | Upgrade |
Long-Term Unearned Revenue | - | 5,632 | 2,502 | 1,857 | 1,229 | 1,336 | Upgrade |
Pension & Post-Retirement Benefits | - | 2,921 | 2,590 | 2,674 | 2,330 | 3,343 | Upgrade |
Long-Term Deferred Tax Liabilities | 80,570 | 29,483 | 1,559 | - | - | - | Upgrade |
Other Long-Term Liabilities | 127,302 | 8,610 | 5,761 | 3,575 | 3,672 | 3,759 | Upgrade |
Total Liabilities | 10,663,616 | 7,748,289 | 5,618,802 | 2,749,214 | 2,552,914 | 1,994,053 | Upgrade |
Common Stock | 12,521 | 12,242 | 12,242 | 12,242 | 12,242 | 12,242 | Upgrade |
Retained Earnings | 147,801 | 171,403 | 144,257 | 137,842 | 128,336 | 122,930 | Upgrade |
Comprehensive Income & Other | 271,532 | 137,113 | 114,469 | 69,983 | 79,124 | 64,952 | Upgrade |
Total Common Equity | 431,855 | 320,758 | 270,968 | 220,067 | 219,702 | 200,125 | Upgrade |
Minority Interest | 59.42 | 49.91 | 14,904 | 9,125 | 8,612 | 7,507 | Upgrade |
Shareholders' Equity | 431,914 | 320,808 | 285,873 | 229,192 | 228,314 | 207,632 | Upgrade |
Total Liabilities & Equity | 11,095,530 | 8,069,097 | 5,904,675 | 2,978,406 | 2,781,228 | 2,201,685 | Upgrade |
Total Debt | 6,111,123 | 4,879,085 | 2,847,158 | 586,518 | 585,319 | 153,171 | Upgrade |
Net Cash (Debt) | -5,607,104 | -4,586,999 | -2,491,752 | -360,884 | -196,602 | 10,206 | Upgrade |
Net Cash Growth | - | - | - | - | - | -80.16% | Upgrade |
Net Cash Per Share | -2273.98 | -1873.50 | -1017.72 | -147.40 | -80.30 | 4.17 | Upgrade |
Filing Date Shares Outstanding | 2,504 | 2,448 | 2,448 | 2,448 | 2,448 | 2,448 | Upgrade |
Total Common Shares Outstanding | 2,504 | 2,448 | 2,448 | 2,448 | 2,448 | 2,448 | Upgrade |
Book Value Per Share | 172.49 | 131.01 | 110.67 | 89.88 | 89.73 | 81.74 | Upgrade |
Tangible Book Value | 367,813 | 317,966 | 268,416 | 217,549 | 217,269 | 198,099 | Upgrade |
Tangible Book Value Per Share | 146.91 | 129.87 | 109.63 | 88.85 | 88.74 | 80.91 | Upgrade |
Source: S&P Global Market Intelligence. Banks template. Financial Sources.