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Company Profile

UBL · United Bank Ltd.

Banking sector · Price PKR 432.52 · Trailing dividend yield 14.8%

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Business Description

United Bank Limited is a banking company incorporated in Pakistan and is engaged in commercial banking and related services. The Bank is a subsidiary of Bestway International Holdings Limited which is a wholly owned subsidiary of Bestway Group Limited.

Key People

  • Muhammad Jawaid Iqbal — CEO
  • Lord Zameer M. Choudrey, CBE, SI Pk — Chairperson
  • Shoukat Ali — Company Secretary

At a Glance

ADDRESS13th Floor, UBL Building, Jinnah Avenue, Blue Area, Islamabad.
WEBSITEwww.ubldigital.com
REGISTRARTHK Associates (Private) Limited, Plot No. 32-C, Jami Commercial Street 2, D.H.A, Phase-VII, Karachi
AUDITORM/s. EY Ford Rhodes Chartered Accountants.
FISCAL YEAR ENDDecember
Open0.00
High0.00
Low0.00
Volume0
CIRCUIT BREAKER383.64 — 468.90
DAY RANGE0.00 — 0.00
52-WEEK RANGE ^293.25 — 517.00
Ask Price0.00
Ask Volume0
Bid Price0.00
Bid Volume0
LDCP426.27
VAR13.50
HAIRCUT17.50
P/E Ratio (TTM) **7.22
1-Year Change * ^13.57%
YTD Change * ^1.27%
Close0.00
Change0.00%
Total Trades0
Market Cap (000's)1,076,751,405.07
Shares2,504,247,750
Free Float35.00%

Annual Financials

Metric2025202420232022
Mark-up Earned1,184,817,6021,084,582,857521,374,426250,678,678
Total Income419,560,197260,908,948165,752,870137,651,892
Profit after Taxation128,008,84780,527,53453,180,41332,062,655
EPS51.3332.8943.4426.19

Quarterly Financials

MetricQ2 2026Q1 2026Q3 2025Q2 2025
Mark-up Earned341,495,299323,519,262297,224,588303,036,068
Total Income119,165,690141,592,539105,017,302106,362,154
Profit after Taxation35,992,04848,977,85834,702,76828,194,974
EPS14.3719.5613.8611.26

Ratios

Metric2025202420232022
Net Profit Margin (%)10.807.4210.2012.79
EPS Growth (%)56.07(24.29)65.863.80
PEG0.15(0.48)0.061.01

Dividend & Payout History

AnnouncedPeriodPayoutBook Closure
July 22, 2026 3:47 PM30/06/2026(HYR)160% — Cash Dividend03/08/2026 - 08/08/2026
April 15, 2026 3:51 PM31/03/2026(IQ)160% — Cash Dividend24/04/2026 - 27/04/2026
February 25, 2026 12:28 PM31/12/2025(YR)160% — Cash Dividend26/03/2026 - 26/03/2026
October 15, 2025 3:53 PM30/09/2025(IIIQ)160% — Cash Dividend27/10/2025 - 29/10/2025
July 11, 2025 5:05 PM30/06/2025(HYR)160% — Cash Dividend22/07/2025 - 24/07/2025
April 16, 2025 4:52 PM31/03/2025(IQ)110% — Cash Dividend30/04/2025 - 02/05/2025
February 19, 2025 3:42 PM31/12/2024(YR)110% — Cash Dividend13/03/2025 - 19/03/2025

Recent Announcements

Transmission of Half Yearly Report for the Period Ended June 30, 2026Financial Results+

Aug 28, 2026

Financial Results for the Quarter ended 30 June 2026Financial Results+

Jul 22, 2026

Transmission of Quarterly Report for the Period Ended March 31, 2026Financial Results+

Apr 30, 2026

Financial Results for the Quarter ended March 31, 2026Financial Results+

Apr 15, 2026

Transmission of Annual Report for the Year Ended December 31, 2025Financial Results+

Mar 4, 2026

CERTIFIED COPY OF RESOLUTIONS PASSED IN THE EXTRA-ORDINARY GENERAL MEETING OF UNITED BANK LIMITEDBoard Meetings+

Aug 25, 2026

Notice of Extraordinary General Meeting of United Bank LimitedBoard Meetings+

Jul 31, 2026

Board Meeting of United Bank Limited (UBL)Board Meetings+

Jul 10, 2026

Board Meeting of United Bank Limited (UBL)Board Meetings+

Apr 3, 2026

BOARD MEETING OTHER THAN FINANCIAL RESULTS OF UNITED BANK LIMITED (UBL)Board Meetings+

Mar 26, 2026

Disclosure of Interest by a Director CEO, or Executive of a listed company and their Spouses and the Substantial Shareholders u/c 5.6.1.(d) of PSX RegulationsOthers+

Aug 19, 2026

Disclosure of Interest by a Director CEO, or Executive of a listed company and their Spouses and the Substantial Shareholders u/c 5.6.1.(d) of PSX RegulationsOthers+

Aug 13, 2026