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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 Cash Flow Statement

Millions PKR. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
146,463130,00075,15655,14531,53530,409
Depreciation & Amortization
30,10818,9198,3736,8645,9084,981
Other Amortization
1,1891,1891,0231,085907.78877.93
Gain (Loss) on Sale of Assets
-142.93-156.57-235.3-489.7-6,963-36.46
Gain (Loss) on Sale of Investments
-1,171-616.66-15,7596,18920,844-1,814
Total Asset Writedown
329.3285.97476.25-29.0211.27-168.61
Provision for Credit Losses
-3,782-3,92111,388-4,608-2,6101,486
Change in Trading Asset Securities
109,919-42,57655,026-51,48947,322-71,843
Change in Other Net Operating Assets
-668,2571,617,5431,439,8572,468,235-356,427240,965
Other Operating Activities
-36,40028,559-23,59311,3926,2661,998
Operating Cash Flow
-421,7711,748,0601,550,8162,493,283-252,555206,512
Operating Cash Flow Growth
-12.72%-37.80%--27.04%

Investing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Capital Expenditures
-134,649-153,708-16,616-8,913-6,516-3,833
Sale of Property, Plant and Equipment
588.56374.35378.192,068739.63103.2
Cash Acquisitions
-15,198----
Investment in Securities
-877,806-3,829,240-1,413,706-2,893,415-35,412-287,605
Income (Loss) Equity Investments
-26.64-965.82-895.18989.54650.06-342.16
Divestitures
----7,628134.09
Other Investing Activities
-1,0572,822-8,56623,91813,9725,854
Investing Cash Flow
-1,012,923-3,964,554-1,438,509-2,876,342-19,589-285,347

Financing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Long-Term Debt Repaid
--9,451-3,623-3,347-2,960-2,714
Lease Payments
-11,609-7,453-3,623-3,347-2,960-2,714
Net Debt Issued (Repaid)
-11,609-9,451-3,623-3,347-2,960-2,714
Common Dividends Paid
-80,031-67,085-53,826-59,236-17,886-23,623
Net Increase (Decrease) in Deposit Accounts
1,724,4932,528,2145,160596,706148,786121,379
Other Financing Activities
------3.85
Financing Cash Flow
1,632,8532,451,678-52,289534,124127,94095,038

Net Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Foreign Exchange Rate Adjustments
-4,2391,400-1,66524,11523,2548,724
Net Cash Flow
193,921236,58358,353175,180-120,94924,927

Free Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
-556,4201,594,3521,534,2002,484,370-259,070202,678
Free Cash Flow Growth
-3.92%-38.25%--27.07%
Free Cash Flow Margin
-112.38%371.72%627.57%1349.71%-203.75%202.06%
Free Cash Flow Per Share
-258.00639.36626.621014.71-105.8182.78
Free Cash Flow After Leases
-568,0291,586,8991,530,5772,481,023-262,031199,964

Additional Metrics

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Interest Paid
6,6546,6543,5621,800795.611,507
Cash Income Tax Paid
205,005139,00284,22945,91033,20819,083