Karachi, October 15, 2025 – United Bank Limited (UBL), one of Pakistan’s leading financial institutions, has posted a remarkable Rs100 billion profit after tax for the nine months ended September 30, 2025.
This represents an impressive 104% year-on-year growth compared to a profit of Rs49 billion recorded in the same period of the previous year.
According to the consolidated financial statement shared with the Pakistan Stock Exchange (PSX) on Wednesday, UBL reported earnings per share (EPS) of Rs40.19, nearly double from Rs20.06 in the corresponding period last year. The board of directors, in its meeting held on October 15, 2025, also approved an interim cash dividend of Rs8 per share (160%) for the quarter ended September 30, 2025. This comes in addition to an earlier interim dividend of Rs13.5 per share (270%) already distributed to shareholders.
The bank’s profit surge was primarily driven by a sharp rise in net mark-up income, which climbed to Rs267 billion during the nine-month period, up from Rs105.36 billion last year. This strong performance reflects improved balance sheet management, growth in earning assets, and effective cost controls despite a challenging macroeconomic environment.
According to Insight Research, UBL recorded a consolidated profit after tax (PAT) of Rs35.4 billion for 3QCY25, translating into an EPS of Rs14.1, compared to Rs18.7 billion (EPS: Rs7.5) in the same quarter last year. While total revenue was slightly below expectations due to a decline in fee income, this was offset by higher-than-anticipated net interest income and other income sources.
The report noted that profitability benefited from volumetric deposit growth of around 11% quarter-on-quarter, helping offset margin compression. Operating expenses stood at Rs31 billion, marking a 35% annual increase but a 10% decline quarter-on-quarter, improving the cost-to-income ratio to about 31%.
With a strong profit base, improved asset quality, and sustained deposit growth, UBL continues to reinforce its position as one of Pakistan’s most profitable and resilient banks.