United Bank Balance Sheet

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
Cash & Equivalents	396,150	263,262	250,008	109,080	258,071
Investment Securities	9,906,275	5,868,292	4,376,853	1,506,791	1,495,957
Trading Asset Securities	68,731	26,331	83,450	31,257	79,045
Total Investments	9,975,005	5,894,623	4,460,303	1,538,048	1,575,003
Gross Loans	1,507,109	1,581,166	993,082	1,189,063	849,874
Allowance for Loan Losses	-123,064	-121,645	-103,662	-92,275	-82,432
Other Adjustments to Gross Loans	-104.54	-38.96	-11.22	-21.37	-23.6
Net Loans	1,383,941	1,459,482	889,409	1,096,767	767,418
Property, Plant & Equipment	157,741	95,823	85,072	79,403	76,194
Goodwill	1,752	251.53	-	-	-
Other Intangible Assets	56,938	2,540	2,552	2,518	2,433
Accrued Interest Receivable	287,594	164,949	124,663	51,599	27,900
Other Receivables	24,736	12,318	2,596	5,761	1,805
Restricted Cash	209,838	107,542	60,778	50,641	45,854
Other Current Assets	128,125	66,183	24,783	24,269	19,490
Long-Term Deferred Tax Assets	-	-	-	16,751	3,041
Other Real Estate Owned & Foreclosed	354.9	42.08	42.08	40.8	213.34
Other Long-Term Assets	6,339	2,081	4,468	3,527	3,808
Total Assets	12,628,515	8,069,097	5,904,675	2,978,406	2,781,228
Accrued Expenses	39,995	32,511	27,116	16,745	15,279
Interest Bearing Deposits	2,546,451	1,114,721	1,499,918	1,140,053	1,083,881
Non-Interest Bearing Deposits	2,621,639	1,525,155	1,134,798	897,957	801,891
Total Deposits	5,168,090	2,639,876	2,634,716	2,038,010	1,885,772
Short-Term Borrowings	6,508,753	4,827,684	2,791,651	509,052	530,666
Current Portion of Long-Term Debt	-	-	1,792	27,866	9,378
Current Portion of Leases	758.56	449.41	383.16	5.61	6.18
Current Income Taxes Payable	-	-	7,275	-	-
Accrued Interest Payable	47,777	56,921	48,661	40,784	15,964
Other Current Liabilities	112,654	83,421	40,943	59,051	43,349
Long-Term Debt	32,631	39,019	43,241	39,984	36,690
Long-Term Leases	38,762	11,932	10,091	9,609	8,579
Long-Term Unearned Revenue	5,605	5,632	2,502	1,857	1,229
Pension & Post-Retirement Benefits	4,158	4,098	2,590	2,674	2,330
Long-Term Deferred Tax Liabilities	136,300	39,311	1,559	-	-
Other Long-Term Liabilities	27,741	7,434	5,761	3,575	3,672
Total Liabilities	12,123,223	7,748,289	5,618,802	2,749,214	2,552,914
Common Stock	12,521	12,242	12,242	12,242	12,242
Additional Paid-In Capital	10,474	-	-	-	-
Retained Earnings	248,910	171,403	144,257	137,842	128,336
Comprehensive Income & Other	233,316	137,113	114,469	69,983	79,124
Total Common Equity	505,221	320,758	270,968	220,067	219,702
Minority Interest	70.45	49.91	14,904	9,125	8,612
Shareholders' Equity	505,292	320,808	285,873	229,192	228,314
Total Liabilities & Equity	12,628,515	8,069,097	5,904,675	2,978,406	2,781,228
Total Debt	6,580,905	4,879,085	2,847,158	586,518	585,319
Net Cash (Debt)	-6,099,024	-4,586,999	-2,491,752	-360,884	-196,602
Net Cash Per Share	-2445.79	-1873.50	-1017.72	-147.40	-80.30
Filing Date Shares Outstanding	2,504	2,448	2,448	2,448	2,448
Total Common Shares Outstanding	2,504	2,448	2,448	2,448	2,448
Book Value Per Share	201.75	131.01	110.67	89.88	89.73
Tangible Book Value	446,531	317,966	268,416	217,549	217,269
Tangible Book Value Per Share	178.31	129.87	109.63	88.85	88.74

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