Skip to main content
logo
United Bank Limited (PSX:UBL)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
412.96
+2.60 (0.63%)
At close: Oct 29, 2026

United Bank Balance Sheet

Millions PKR. Fiscal year is Jan - Dec.

Assets

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Equivalents
800,841396,150263,262250,008109,080258,071
Investment Securities
9,531,9929,906,2755,868,2924,376,8531,506,7911,495,957
Trading Asset Securities
-68,73126,33183,45031,25779,045
Total Investments
9,531,9929,975,0055,894,6234,460,3031,538,0481,575,003
Gross Loans
1,749,4921,507,1091,581,166993,0821,189,063849,874
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
1,749,4921,383,9411,459,482889,4091,096,767767,418
Property, Plant & Equipment
277,048157,74195,82385,07279,40376,194
Goodwill
-1,752251.53---
Other Intangible Assets
55,31856,9382,5402,5522,5182,433
Accrued Interest Receivable
-287,594164,949124,66351,59927,900
Other Receivables
-24,73612,3182,5965,7611,805
Restricted Cash
-209,838107,54260,77850,64145,854
Other Current Assets
-128,12566,18324,78324,26919,490
Long-Term Deferred Tax Assets
----16,7513,041
Other Real Estate Owned & Foreclosed
-354.942.0842.0840.8213.34
Other Long-Term Assets
501,2206,3392,0814,4683,5273,808
Total Assets
12,915,91112,628,5158,069,0975,904,6752,978,4062,781,228

Liabilities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Accrued Expenses
-39,99532,51127,11616,74515,279
Interest Bearing Deposits
6,492,8242,546,4511,114,7211,499,9181,140,0531,083,881
Non-Interest Bearing Deposits
-2,621,6391,525,1551,134,798897,957801,891
Total Deposits
6,492,8245,168,0902,639,8762,634,7162,038,0101,885,772
Short-Term Borrowings
-6,508,7534,827,6842,791,651509,052530,666
Current Portion of Long-Term Debt
-1,102543.581,79227,8669,378
Current Portion of Leases
-758.56449.41383.165.616.18
Current Income Taxes Payable
---7,275--
Accrued Interest Payable
-47,77756,92148,66140,78415,964
Other Current Liabilities
97,961129,77283,42140,94359,05143,349
Long-Term Debt
5,443,90331,52938,47643,24139,98436,690
Long-Term Leases
71,16338,76211,93210,0919,6098,579
Long-Term Unearned Revenue
-5,6055,6322,5021,8571,229
Pension & Post-Retirement Benefits
-4,1584,0982,5902,6742,330
Long-Term Deferred Tax Liabilities
66,178136,30039,3111,559--
Other Long-Term Liabilities
214,94210,6237,4345,7613,5753,672
Total Liabilities
12,386,97212,123,2237,748,2895,618,8022,749,2142,552,914

Shareholders' Equity

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Common Stock
12,52112,52112,24212,24212,24212,242
Additional Paid-In Capital
10,47410,474----
Retained Earnings
309,785248,910171,403144,257137,842128,336
Comprehensive Income & Other
196,072233,316137,113114,46969,98379,124
Total Common Equity
528,852505,221320,758270,968220,067219,702
Minority Interest
87.6370.4549.9114,9049,1258,612
Shareholders' Equity
528,940505,292320,808285,873229,192228,314
Total Liabilities & Equity
12,915,91112,628,5158,069,0975,904,6752,978,4062,781,228

Additional Metrics

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Total Debt
5,515,0666,580,9054,879,0852,847,158586,518585,319
Net Cash (Debt)
-4,714,225-6,099,024-4,586,999-2,491,752-360,884-196,602
Net Cash Growth
------
Net Cash Per Share
-2185.87-2445.79-1873.50-1017.72-147.40-80.30
Filing Date Shares Outstanding
2,5392,5042,4482,4482,4482,448
Total Common Shares Outstanding
2,5392,5042,4482,4482,4482,448
Book Value Per Share
208.31201.75131.01110.6789.8889.73
Tangible Book Value
473,534446,531317,966268,416217,549217,269
Tangible Book Value Per Share
186.52178.31129.87109.6388.8588.74