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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Net Income	142,310	130,000	75,156	55,145	31,535	30,409
Depreciation & Amortization	22,405	18,919	8,373	6,864	5,908	4,981
Other Amortization	1,189	1,189	1,023	1,085	907.78	877.93
Gain (Loss) on Sale of Assets	-133.33	-156.57	-235.3	-489.7	-6,963	-36.46
Gain (Loss) on Sale of Investments	-331.83	-616.66	-15,759	6,189	20,844	-1,814
Total Asset Writedown	131.33	85.97	476.25	-29.02	11.27	-168.61
Provision for Credit Losses	730.87	-3,921	11,388	-4,608	-2,610	1,486
Change in Trading Asset Securities	-65,208	-42,576	55,026	-51,489	47,322	-71,843
Change in Other Net Operating Assets	710,248	1,617,543	1,439,857	2,468,235	-356,427	240,965
Other Operating Activities	13,577	28,559	-23,593	11,392	6,266	1,998
Operating Cash Flow	826,142	1,748,060	1,550,816	2,493,283	-252,555	206,512
Operating Cash Flow Growth	-61.85%	12.72%	-37.80%	-	-	27.04%
Capital Expenditures	-101,751	-153,708	-16,616	-8,913	-6,516	-3,833
Sale of Property, Plant and Equipment	490.97	374.35	378.19	2,068	739.63	103.2
Cash Acquisitions	-	15,198	-	-	-	-
Investment in Securities	-2,402,252	-3,829,240	-1,413,706	-2,893,415	-35,412	-287,605
Income (Loss) Equity Investments	1,223	-965.82	-895.18	989.54	650.06	-342.16
Divestitures	-	-	-	-	7,628	134.09
Other Investing Activities	1,426	2,822	-8,566	23,918	13,972	5,854
Investing Cash Flow	-2,502,086	-3,964,554	-1,438,509	-2,876,342	-19,589	-285,347
Long-Term Debt Repaid	-	-9,451	-3,623	-3,347	-2,960	-2,714
Net Debt Issued (Repaid)	-10,919	-9,451	-3,623	-3,347	-2,960	-2,714
Common Dividends Paid	-71,359	-67,085	-53,826	-59,236	-17,886	-23,623
Net Increase (Decrease) in Deposit Accounts	1,999,006	2,528,214	5,160	596,706	148,786	121,379
Other Financing Activities	-	-	-	-	-	-3.85
Financing Cash Flow	1,916,727	2,451,678	-52,289	534,124	127,940	95,038
Foreign Exchange Rate Adjustments	-988.49	1,400	-1,665	24,115	23,254	8,724
Net Cash Flow	239,794	236,583	58,353	175,180	-120,949	24,927
Free Cash Flow	724,391	1,594,352	1,534,200	2,484,370	-259,070	202,678
Free Cash Flow Growth	-65.22%	3.92%	-38.25%	-	-	27.07%
Free Cash Flow Margin	154.28%	371.72%	627.57%	1349.71%	-203.75%	202.06%
Free Cash Flow Per Share	289.23	639.36	626.62	1014.71	-105.81	82.78
Cash Interest Paid	6,654	6,654	3,562	1,800	795.61	1,507
Cash Income Tax Paid	163,100	139,002	84,229	45,910	33,208	19,083

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