United Bank (UBL) Q3 2025 earnings summary

Executive summary

• 9M’25 standalone PBT reached Rs222.6bn, up 107% YoY; PAT was Rs98.5bn and EPS Rs39.55. Consolidated PAT was Rs100.1bn, with EPS Rs40.19.

• Gross revenue rose 87% YoY to Rs311.2bn, supported by Rs267.4bn net mark-up income and higher fee income; expense growth and integration costs weighed on operating expenses.

Financial highlights

• Standalone 9M’25 net mark-up income was Rs267.4bn vs Rs105.2bn; total income was Rs311.2bn vs Rs166.5bn.

• Standalone PAT increased to Rs98.5bn from Rs55.0bn; EPS rose to Rs39.55 from Rs22.46.

• Consolidated 9M’25 PAT was Rs100.1bn vs Rs49.7bn; EPS was Rs40.19 vs Rs20.06.

• Fee and commission income reached Rs21.3bn, up 34% YoY; net provision reversal was Rs4.7bn vs Rs1.5bn in 9M’24, mainly from domestic and international recoveries.

Outlook and guidance

• Priorities include strengthening conventional and Islamic core banking, expanding branches and customer reach, and using Silk Bank integration to deepen consumer banking penetration.

• Continued technology investment targets speed, stability and security across channels; transformation includes realigning structures and processes to improve organizational coordination.