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Company Profile
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.
| Muhammad Jawaid Iqbal | CEO |
| Sir Mohammed Anwar Pervez, O.B.E, H.Pk | Chairperson |
| Aqeel Ahmed Nasir | Company Secretary |
THK Associates (Private) Limited, Plot No. 32-C, Jami Commercial Street 2, D.H.A, Phase-VII, Karachi
M/s. EY Ford Rhodes Chartered Accountants.
December
Equity Profile
Announcements
| Date | Title | Document |
|---|---|---|
| Oct 30, 2025 | Transmission of Quarterly Report for the Period Ended September 30, 2025 | View PDF |
| Oct 15, 2025 | Financial Results for the Quarter ended September 30, 2025 | View PDF |
| Sep 1, 2025 | Transmission of Half Yearly Report for the Period Ended June 30, 2025 | View PDF |
| Jul 11, 2025 | Financial Results for the Quarter Ended 30 June 2025 | View PDF |
| Apr 30, 2025 | Transmission of Quarterly Report for the Period Ended March 31, 2025 | View PDF |
| Date | Title | Document |
|---|---|---|
| Dec 10, 2025 | Board Meeting Other Than Financial Results | View PDF |
| Oct 3, 2025 | Notice of Board Meeting and Closed Period for the Period Ended Ended September 30, 2025 | View PDF |
| Jul 3, 2025 | Board Meeting of United Bank Limited (UBL) | View PDF |
| May 16, 2025 | CERTIFIED COPY OF RESOLUTIONS PASSED IN THE EXTRAORDINARY GENERAL MEETING OF UNITED BANK LIMITED | View PDF |
| Apr 23, 2025 | Notice of Extra-Ordinary General Meeting (EOGM) of UBL (Prior to Publication) | View PDF |
| Date | Title | Document |
|---|---|---|
| Jan 6, 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 Regulations | View |
| Jan 6, 2026 | Book Closure for the Entitlement of 28th Quarterly Coupon Payments on Additional Tier 1 TFCs issued by United Bank Limited (UBL) | View PDF |
| Jan 1, 2026 | DISCLOSURE OF INTEREST BY THE DIRECTORS, CEO, EXECUTIVES, THEIR SPOUSES AND SUBSTANTIAL SHAREHOLDERS OF LISTED COMPANIES | View PDF |
| Dec 30, 2025 | 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 Regulations | View |
| Dec 26, 2025 | 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 Regulations | View |
Financials
All numbers in thousands (000's) except EPS
| 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|
| Mark-up Earned | 1,084,582,857 | 521,374,426 | 250,678,678 | 147,974,155 |
| Total Income | 260,908,948 | 165,752,870 | 137,651,892 | 95,137,572 |
| Profit after Taxation | 80,527,534 | 53,180,413 | 32,062,655 | 30,882,123 |
| EPS | 65.78 | 43.44 | 26.19 | 25.23 |
| Q3 2025 | Q2 2025 | Q1 2025 | Q3 2024 | |
|---|---|---|---|---|
| Mark-up Earned | 297,224,588 | 303,036,068 | 260,957,761 | 310,741,852 |
| Total Income | 105,017,302 | 106,362,154 | 99,822,951 | 74,174,114 |
| Profit after Taxation | 34,702,768 | 28,194,974 | 35,595,618 | 25,540,314 |
| EPS | 13.86 | 11.26 | 28.92 | 10.43 |

Ratios
| 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|
| Net Profit Margin (%) | 7.42 | 10.20 | 12.79 | 20.87 |
| EPS Growth (%) | 51.43 | 65.86 | 3.80 | 47.80 |
| PEG | 0.11 | 0.06 | 1.01 | 0.11 |









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