United Bank Limited (PSX:UBL)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
373.48
+8.38 (2.30%)
At close: Jul 18, 2025

United Bank Balance Sheet

Millions PKR. 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
Cash & Equivalents
504,019263,262250,008109,080258,071157,020
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Investment Securities
8,881,3045,868,2924,376,8531,506,7911,495,9571,164,794
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Trading Asset Securities
-26,33183,45031,25779,0456,357
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Total Investments
8,881,3045,894,6234,460,3031,538,0481,575,0031,171,151
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Gross Loans
-1,581,166993,0821,189,063849,874713,437
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Allowance for Loan Losses
--121,645-103,662-92,275-82,432-79,351
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Other Adjustments to Gross Loans
--38.96-11.22-21.37-23.6-22.48
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Net Loans
-1,459,482889,4091,096,767767,418634,064
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Property, Plant & Equipment
130,78895,82385,07279,40376,19457,476
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Goodwill
-251.53----
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Other Intangible Assets
64,0422,5402,5522,5182,4332,026
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Accrued Interest Receivable
-164,949124,66351,59927,90023,287
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Other Receivables
-12,3182,5965,7611,8051,763
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Restricted Cash
-107,54260,77850,64145,854130,703
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Other Current Assets
-66,18324,78324,26919,49017,890
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Long-Term Deferred Tax Assets
---16,7513,0414,682
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Other Real Estate Owned & Foreclosed
-42.0842.0840.8213.34236.08
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Other Long-Term Assets
361,9412,0814,4683,5273,8081,387
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Total Assets
11,095,5308,069,0975,904,6752,978,4062,781,2282,201,685
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Accrued Expenses
-32,51127,11616,74515,27913,185
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Interest Bearing Deposits
4,291,8941,114,7211,499,9181,140,0531,083,8811,055,434
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Non-Interest Bearing Deposits
-1,525,1551,134,798897,957801,891708,959
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Total Deposits
4,291,8942,639,8762,634,7162,038,0101,885,7721,764,392
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Short-Term Borrowings
-4,827,6842,791,651509,052530,66696,672
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Current Portion of Long-Term Debt
-543.581,79227,8669,3789,968
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Current Portion of Leases
-449.41383.165.616.185.11
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Current Income Taxes Payable
--7,275---
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Accrued Interest Payable
-56,92148,66140,78415,96412,958
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Other Current Liabilities
52,72783,42140,94359,05143,34941,909
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Long-Term Debt
6,082,61638,47643,24139,98436,69038,564
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Long-Term Leases
28,50711,93210,0919,6098,5797,961
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Long-Term Unearned Revenue
-5,6322,5021,8571,2291,336
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Pension & Post-Retirement Benefits
-2,9212,5902,6742,3303,343
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Long-Term Deferred Tax Liabilities
80,57029,4831,559---
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Other Long-Term Liabilities
127,3028,6105,7613,5753,6723,759
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Total Liabilities
10,663,6167,748,2895,618,8022,749,2142,552,9141,994,053
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Common Stock
12,52112,24212,24212,24212,24212,242
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Retained Earnings
147,801171,403144,257137,842128,336122,930
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Comprehensive Income & Other
271,532137,113114,46969,98379,12464,952
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Total Common Equity
431,855320,758270,968220,067219,702200,125
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Minority Interest
59.4249.9114,9049,1258,6127,507
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Shareholders' Equity
431,914320,808285,873229,192228,314207,632
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Total Liabilities & Equity
11,095,5308,069,0975,904,6752,978,4062,781,2282,201,685
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Total Debt
6,111,1234,879,0852,847,158586,518585,319153,171
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Net Cash (Debt)
-5,607,104-4,586,999-2,491,752-360,884-196,60210,206
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Net Cash Growth
------80.16%
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Net Cash Per Share
-2273.98-1873.50-1017.72-147.40-80.304.17
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Filing Date Shares Outstanding
2,5042,4482,4482,4482,4482,448
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Total Common Shares Outstanding
2,5042,4482,4482,4482,4482,448
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Book Value Per Share
172.49131.01110.6789.8889.7381.74
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Tangible Book Value
367,813317,966268,416217,549217,269198,099
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Tangible Book Value Per Share
146.91129.87109.6388.8588.7480.91
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Source: S&P Global Market Intelligence. Banks template. Financial Sources.