United Bank (UBL) Q4 2025 earnings summary

Executive summary

• FY25 delivered record industry-leading profit, supported by low-cost deposit growth, higher net mark-up income, fee income and Silk Bank integration.

• Domestic and international operations contributed to growth; the expanded branch network and digital investments strengthened customer reach and service capacity.

Financial highlights

• Standalone PBT Rs288.3bn, up 92% YoY; PAT Rs128.0bn vs Rs80.5bn and EPS Rs51.33 vs Rs32.89.

• Consolidated PAT Rs130.0bn vs Rs75.8bn; EPS Rs52.13 vs Rs30.70.

• Gross revenue Rs419.6bn, up 61%; net mark-up income Rs361.6bn, up 108%; non-mark-up income Rs58.0bn.

• Fees and commissions Rs28.0bn, up 48%; operating expenses Rs130.2bn, up 37%; net provision reversal Rs4.7bn vs Rs12.8bn charge in FY24.

• FY24 other income included a Rs7.1bn gain on sale of a subsidiary, a non-recurring comparison item.

Outlook and guidance

• Priorities include growing low-cost deposits and fee income, deepening customer relationships, and expanding conventional and Islamic banking.

• Continued investment in technology, transformation, compliance, controls and employee development underpins the focus on sustained profitability and long-term value creation.