United Bank Limited (PSX:UBL)
Pakistan · Delayed Price · Currency is PKR 384.87
+23.93 (6.63%)
At close: Oct 31, 2025
United Bank Cash Flow Statement
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 | Sep '25 Sep 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 |
Net Income | 126,121 | 75,156 | 55,145 | 31,535 | 30,409 | 20,938 | Upgrade |
Depreciation & Amortization | 12,160 | 8,373 | 6,864 | 5,908 | 4,981 | 4,573 | Upgrade |
Other Amortization | 1,139 | 1,023 | 1,085 | 907.78 | 877.93 | 855.57 | Upgrade |
Gain (Loss) on Sale of Assets | -175.54 | -235.3 | -489.7 | -6,963 | -36.46 | -69.57 | Upgrade |
Gain (Loss) on Sale of Investments | -15,225 | -15,759 | 6,189 | 20,844 | -1,814 | 826.57 | Upgrade |
Total Asset Writedown | 532.62 | 476.25 | -29.02 | 11.27 | -168.61 | 154.86 | Upgrade |
Provision for Credit Losses | 8,061 | 11,388 | -4,608 | -2,610 | 1,486 | 16,283 | Upgrade |
Change in Trading Asset Securities | -156,741 | 55,026 | -51,489 | 47,322 | -71,843 | 68,126 | Upgrade |
Change in Other Net Operating Assets | 854,480 | 1,439,857 | 2,468,235 | -356,427 | 240,965 | 41,579 | Upgrade |
Other Operating Activities | 16,493 | -23,593 | 11,392 | 6,266 | 1,998 | 9,790 | Upgrade |
Operating Cash Flow | 845,856 | 1,550,816 | 2,493,283 | -252,555 | 206,512 | 162,552 | Upgrade |
Operating Cash Flow Growth | -72.82% | -37.80% | - | - | 27.04% | 833.59% | Upgrade |
Capital Expenditures | -93,099 | -16,616 | -8,913 | -6,516 | -3,833 | -3,057 | Upgrade |
Sale of Property, Plant and Equipment | 493.31 | 378.19 | 2,068 | 739.63 | 103.2 | 676.65 | Upgrade |
Investment in Securities | -2,069,732 | -1,413,706 | -2,893,415 | -35,412 | -287,605 | -358,327 | Upgrade |
Income (Loss) Equity Investments | -989.45 | -895.18 | 989.54 | 650.06 | -342.16 | -504.54 | Upgrade |
Divestitures | -9,053 | - | - | 7,628 | 134.09 | - | Upgrade |
Other Investing Activities | 10,183 | -8,566 | 23,918 | 13,972 | 5,854 | 3,526 | Upgrade |
Investing Cash Flow | -2,161,208 | -1,438,509 | -2,876,342 | -19,589 | -285,347 | -357,180 | Upgrade |
Long-Term Debt Repaid | - | -3,623 | -3,347 | -2,960 | -2,714 | -2,235 | Upgrade |
Net Debt Issued (Repaid) | -7,858 | -3,623 | -3,347 | -2,960 | -2,714 | -2,235 | Upgrade |
Common Dividends Paid | -60,450 | -53,826 | -59,236 | -17,886 | -23,623 | -8,138 | Upgrade |
Net Increase (Decrease) in Deposit Accounts | 1,600,903 | 5,160 | 596,706 | 148,786 | 121,379 | 206,397 | Upgrade |
Other Financing Activities | - | - | - | - | -3.85 | -2.26 | Upgrade |
Financing Cash Flow | 1,532,596 | -52,289 | 534,124 | 127,940 | 95,038 | 196,021 | Upgrade |
Foreign Exchange Rate Adjustments | 2,023 | -1,665 | 24,115 | 23,254 | 8,724 | - | Upgrade |
Net Cash Flow | 217,469 | 58,353 | 175,180 | -120,949 | 24,927 | 1,393 | Upgrade |
Free Cash Flow | 752,757 | 1,534,200 | 2,484,370 | -259,070 | 202,678 | 159,495 | Upgrade |
Free Cash Flow Growth | -75.65% | -38.25% | - | - | 27.07% | 1108.76% | Upgrade |
Free Cash Flow Margin | 187.88% | 627.57% | 1349.71% | -203.75% | 202.06% | 202.76% | Upgrade |
Free Cash Flow Per Share | 303.56 | 626.62 | 1014.71 | -105.81 | 82.78 | 65.14 | Upgrade |
Cash Interest Paid | 3,497 | 3,497 | 1,800 | 795.61 | 1,507 | 912.77 | Upgrade |
Cash Income Tax Paid | 123,702 | 83,561 | 45,910 | 33,208 | 19,083 | 3,682 | Upgrade |
Source: S&P Global Market Intelligence. Banks template. Financial Sources.