Karachi, February 25, 2026 — United Bank Limited (UBL) on Wednesday announced its financial results for the calendar year 2025, reporting a massive 73% surge in net profit, driven by strong growth in net interest income and robust balance sheet performance.
According to the consolidated statement of profit or loss shared with the Pakistan Stock Exchange (PSX), UBL posted a profit after tax of Rs130 billion for CY25, compared to Rs75 billion in the previous year. The bank’s earnings per share (EPS) jumped to Rs52.13, up from Rs30.70 in CY24, reflecting solid profitability and shareholder value creation.
The board of directors, which met on February 25, 2026, in Islamabad, approved a final cash dividend of Rs8 per share for the year ended December 31, 2025. This is in addition to interim dividends of Rs27 per share already paid, taking the total dividend to Rs35 per share for CY25.
UBL’s net interest income nearly doubled to Rs361.55 billion, compared with Rs173.55 billion in the preceding year, supported by higher yields and improved asset mix. However, non-interest income declined to Rs62.70 billion, down from Rs83.70 billion in CY24.
The bank’s total income rose sharply to Rs424.26 billion, compared to Rs257.24 billion last year. Meanwhile, operating expenses increased to Rs133 billion, and total expenses climbed to Rs138.77 billion, reflecting higher administrative and operational costs.
UBL also emerged as one of the largest taxpayers in the banking sector, paying Rs161 billion in income tax during CY25, significantly higher than Rs70 billion paid in the previous year.
UBL Financial Highlights — CY25 vs CY24
| Financial Indicator | CY25 (Rs bn) | CY24 (Rs bn) | Change |
| Profit After Tax | 130.0 | 75.0 | +73% |
| Earnings Per Share (Rs) | 52.13 | 30.70 | +70% |
| Net Interest Income | 361.55 | 173.55 | +108% |
| Non-Interest Income | 62.70 | 83.70 | -25% |
| Total Income | 424.26 | 257.24 | +65% |
| Operating Expenses | 133.0 | 97.0 | +37% |
| Total Expenses | 138.77 | 100.33 | +38% |
| Income Tax Paid | 161.0 | 70.0 | +130% |
| Total Dividend (Rs) | 35.0 | — | — |
The strong financial performance underscores UBL’s resilience amid a challenging economic environment, with higher interest rates and effective cost management supporting profitability. Analysts expect the bank to maintain healthy earnings momentum in 2026, supported by prudent lending policies and improving asset quality.