Islamabad, July 11, 2025: United Bank Limited (UBL) reports record H1 2025 results with soaring core income and improved efficiency driving a 110% profit surge.
The bank’s Net Interest Income surged to Rs 175.4 billion, marking a remarkable 206% increase year-on-year (YoY). This sharp jump reflects UBL’s ability to capitalise on a favourable interest rate environment, coupled with smart balance sheet management and stronger lending margins.
UBL’s Profit After Tax rose to Rs 64.7 billion, more than doubling from the same period last year, a 110% increase. This performance was supported not just by strong income growth but also by improved cost controls and a significant reduction in provisioning, suggesting better asset quality and lower credit risk.
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Earnings per hare (ESP) came in at Rs 26.07, up sharply from the previous year, highlighting the bank’s enhanced profitability and strong returns for shareholders. Operational efficiency also saw a solid boost, with the cost to income ratio improving to 30%, down 11 percentage points (ppt) year-on-year (YoY) a clear sign that UBL is keeping expenses in check while revenues climb.
In a further show of confidence, the bank announced a Rs 19 dividend per (DPS) share, reflecting both strong earnings and a healthy capital position.
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UBL’s half-year performance underscores the bank’s resilience and sharp execution amid a challenging economic backdrop. With its strong focus on core banking, disciplined cost management, and improved asset quality, UBL appears well-positioned for continued growth through the rest of the year.
