UBL (United Bank Limited), one of Pakistan’s largest commercial banks, reported a consolidated profit after tax of Rs35.36 billion for the quarter ending September 30, 2025. This represents a remarkable 89% increase compared to Rs18.73 billion in the same period last year, according to financial results submitted to the Pakistan Stock Exchange (PSX).
The bank’s earnings per share (EPS) rose to Rs14.12, up from Rs7.65 in Q3 2024. UBL also announced an interim cash dividend of Rs8 per share, or 160%, for the quarter. This follows an earlier interim dividend of Rs13.5 per share, or 270%.
During the quarter, UBL’s net markup/interest income climbed to Rs91.98 billion, compared to Rs51.61 billion in Q3 2024. The increase reflects improved interest spreads and higher returns on earning assets. Conversely, non-markup income declined by 13% to Rs14.25 billion, primarily due to lower foreign exchange income.
Total income for the July–September 2025 period reached Rs106.23 billion, up 56% from Rs67.96 billion last year. The bank’s operating expenses rose 35% to Rs31.03 billion, while contributions to the workers’ welfare fund increased to Rs1.47 billion from Rs993 million.
UBL’s profit before tax surged to Rs74.67 billion, compared to Rs43.48 billion in the corresponding quarter of 2024. Taxes paid by the bank also rose by 59% to Rs39.3 billion, up from Rs24.75 billion previously.
In other related news also read AGP Detects Rs243 Billion Irregularities In State Bank Of Pakistan
The strong quarterly performance highlights UBL’s growth in core banking operations, robust interest income, and disciplined cost management. Analysts say the results are a positive sign for Pakistan’s banking sector, reflecting increasing investor confidence and economic activity.
UBL’s performance demonstrates its ability to maintain profitability while supporting dividends to shareholders and sustaining financial stability amid evolving market conditions.
