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United Bank Limited (PSX:UBL)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
475.74
-2.29 (-0.48%)
At close: Aug 7, 2026

United Bank Balance Sheet

Millions PKR. Fiscal year is Jan - Dec.

Assets

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Equivalents
854,991396,150263,262250,008109,080258,071
Investment Securities
11,920,5669,906,2755,868,2924,376,8531,506,7911,495,957
Trading Asset Securities
-68,73126,33183,45031,25779,045
Total Investments
11,920,5669,975,0055,894,6234,460,3031,538,0481,575,003
Gross Loans
1,534,9551,507,1091,581,166993,0821,189,063849,874
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
1,534,9551,383,9411,459,482889,4091,096,767767,418
Property, Plant & Equipment
239,052157,74195,82385,07279,40376,194
Goodwill
-1,752251.53---
Other Intangible Assets
56,66356,9382,5402,5522,5182,433
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
547,4576,3392,0814,4683,5273,808
Total Assets
15,153,68412,628,5158,069,0975,904,6752,978,4062,781,228

Liabilities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Accrued Expenses
-39,99532,51127,11616,74515,279
Interest Bearing Deposits
6,117,9392,546,4511,114,7211,499,9181,140,0531,083,881
Non-Interest Bearing Deposits
-2,621,6391,525,1551,134,798897,957801,891
Total Deposits
6,117,9395,168,0902,639,8762,634,7162,038,0101,885,772
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
178,624129,77283,42140,94359,05143,349
Long-Term Debt
8,009,03931,52938,47643,24139,98436,690
Long-Term Leases
59,02438,76211,93210,0919,6098,579
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
82,755136,30039,3111,559--
Other Long-Term Liabilities
178,99610,6237,4345,7613,5753,672
Total Liabilities
14,626,37612,123,2237,748,2895,618,8022,749,2142,552,914

Shareholders' Equity

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Common Stock
12,52112,52112,24212,24212,24212,242
Additional Paid-In Capital
-10,474----
Retained Earnings
222,918248,910171,403144,257137,842128,336
Comprehensive Income & Other
291,788233,316137,113114,46969,98379,124
Total Common Equity
527,227505,221320,758270,968220,067219,702
Minority Interest
80.6370.4549.9114,9049,1258,612
Shareholders' Equity
527,307505,292320,808285,873229,192228,314
Total Liabilities & Equity
15,153,68412,628,5158,069,0975,904,6752,978,4062,781,228

Additional Metrics

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Total Debt
8,068,0636,580,9054,879,0852,847,158586,518585,319
Net Cash (Debt)
-7,213,072-6,099,024-4,586,999-2,491,752-360,884-196,602
Net Cash Growth
------
Net Cash Per Share
-2880.04-2445.79-1873.50-1017.72-147.40-80.30
Filing Date Shares Outstanding
2,5042,5042,4482,4482,4482,448
Total Common Shares Outstanding
2,5042,5042,4482,4482,4482,448
Book Value Per Share
210.58201.75131.01110.6789.8889.73
Tangible Book Value
470,564446,531317,966268,416217,549217,269
Tangible Book Value Per Share
187.95178.31129.87109.6388.8588.74