United Bank Limited · PSX:UBL
United Bank — Investor Presentation (September 2025)
15 slides from United Bank's investor presentation, Sep 3, 2025
Slide 1: UBL - Corporate Briefing Session
UBL - Corporate Briefing Session September 03, 2025 1
Slide 2: Building Shareholder Value: growth and high payouts achieved together
October 30, 2024 Briefing September 03, 2025 Briefing Total deposits growth of 98% in last 2 years UBL’s strategy in the last 18 months has been to Highest in the industry build shareholder value through a combination of high growth in business and maximizing dividend Current Deposit growth of 114%
Slide 3: UBL has recorded highest Revenue growth amongst largest PSX companies in last 2 years
UBL has recorded highest Revenue growth amongst largest PSX companies in last 2 years… Revenue – Top 20 Listed Companies Ranked by Growth Jul'22 - Jul'24 - Jul'22 - Jul'24 - Rankings Company Growth Rankings Company Growth Jun'23 Jun'25 Jun'23 Jun'25 1 United Bank 162 375 131% 11 Standard Chartered 8
Slide 4: …and highest profitability growth as well
…and highest profitability growth as well Pretax Profit – Top 20 Listed Companies Ranked by Growth Jul'22 - Jul'24 - Jul'22 - Jul'24 - Rankings Company Growth Rankings Company Growth Jun'23 Jun'25 Jun'23 Jun'25 1 United Bank 85 241 185% 11 Bestway Cement 23 36 61% 2 Fauji Fertilizer 61 151 148% 12 H
Slide 5: Dividend payout the highest payout amongst all PSX companies
Dividend payout the highest payout amongst all PSX companies… Last 8 Quarter Dividends – Top Companies 115 99 98 87 84 68 66 57 56 53 48 46 UBL MEBL OGDC FFC MCB SCBPL PAKT MARI EFERT HUBC POL HBL Amounts in PKR Billions 5
Slide 6: Shareholder Value creation since January 2023
Shareholder Value creation since January 2023 1,247% 621% 602% 544% 523% 502% 446% 444% 419% 416% 383% UBL NBP SCBPL FFC BWCL BAHL MEBL HBL LUCK FATIMA MCB Company UBL NBP SCBPL FFC BWCL BAHL MEBL HBL LUCK FATIMA MCB Capital Gain 659% 550% 298% 345% 349% 254% 292% 307% 393% 267% 206% Dividend Yield
Slide 7: UBL has regained its lost market share in current deposits
UBL has regained its lost market share in current deposits with renewed focus… UBL Current Deposits Market Share 13.8% 12.2% 11.7% 11.8% 11.5% 11.3% 11.2% 11.1% 10.9% 10.6% 10.6% 10.2% 10.2% 9.7% 9.5% 9.5% 9.1% 9.0% 7
Slide 8: …and in total deposits as well
…and in total deposits as well UBL Total Deposits Market Share 11.5% 11.5% 10.3% 10.1% 10.1% 10.0% 10.0% 9.9% 9.8% 9.7% 9.6% 9.6% 9.2% 8.9% 8.3% 8.1% 8.1% 7.8% 8
Slide 9: Deposit Growth has outpaced industry by a considerable margin
Deposit Growth has outpaced industry by a considerable margin Total Deposits Current Deposits Between June 2023 and June 2025 UBL has grown by 98% Between June 2023 and June 2025 UBL has grown by 114% compared to industry growth of 40% during same period compared to industry growth of 40% during sam
Slide 10: Remittance leadership maintained and Trade market share has grown from a low base
Remittance leadership has been maintained and Trade mkt share has grown from a low base Remittance Volume – USD Billions Trade Market Share 8.9 8.6% 7.4 6.8% 6.4 5.9% FY2023 FY2024 FY2025 FY2023 FY2024 FY2025 Year Ended Jun-23 Jun-24 Jun-25 Year Ended Jun-23 Jun-24 Jun-25 Industry 27.3 30.3 38.3 Ind
Slide 11: Timely Treasury Investments have provided cushion in profits despite interest rate decline
Timely Treasury Investments have provided cushion in profits despite interest rate decline Govt Securities Composition • Fixed PIBs & Sukuks yield is 14.9% and 7% WAM is 2.2 years. A large chunk of this Others portfolio was bought at a time of extremely 540 high interest rates. 20% Fixed PIBs / • 10
Slide 12: Total Comprehensive Income
Total Comprehensive Income Banking Sector – Total Comprehensive Income After Tax Total No Banks CY2023 CY2024 1H2025 (2023 - 1H2025) 1 United Bank 95 122 125 342 2 1 1 1 2 Meezan Bank 96 112 42 250 3 Habib Bank 94 89 49 231 4 National Bank 82 86 46 215 5 MCB Bank 80 93 40 213 6 Allied Bank 78 53 21
Slide 13: P&L Review - Standalone
P&L Review - Standalone Rs. In bln FY'23 FY'24 Var % H1'24 H1'25 Var % Interest Earned 521.4 1,084.6 108% 515.2 564.0 9% Interest Expensed (378.5) (911.2) -141% (461.5) (388.6) 16% Net Interest Income 142.9 173.4 21% 53.6 175.4 227% Non Interest Income 33.2 87.5 163% 38.7 30.8 -21% Total Revenue 176
Slide 14: Balance Sheet Review - Standalone
Balance Sheet Review - Standalone Rs in bln Balance Sheet Dec'23 Dec'24 Jun'25 Advances 614 1,443 1,063 Investments 4,385 5,887 8,877 FI Lendings 34 18 91 Others 542 714 1,058 Total Assets 5,575 8,063 11,089 Deposits 2,351 2,640 4,292 Borrowings 2,815 4,855 6,072 Subordinated Debts 10 10 11 Others 1
Slide 15: Thank You
Thank You 15