DSE : UCB
United Commercial Bank PLC — Financial statements
Commercial Banks · Bangladesh
Last price 9.1 BDT (At close: Oct 29, 2026) · Market cap 14.11B
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 59.59B | 59.33B | 56.33B | 38.53B | 32.30B | 27.98B |
| Interest Paid on Deposits | 54.80B | 49.29B | 35.17B | 22.24B | 17.09B | 14.17B |
| Net Interest Income | 4.79B | 10.04B | 21.16B | 16.29B | 15.21B | 13.82B |
| Gain (Loss) on Sale of Assets | -561.10K | -561.10K | -30.18K | -10.84K | -2.30M | -5.12M |
| Gain (Loss) on Sale of Investments | 392.38M | 54.63M | -841.68M | -52.46M | -646.37M | 244.59M |
| Other Non-Interest Income | 27.80B | 23.88B | 16.97B | 14.73B | 15.03B | 12.51B |
| Total Non-Interest Income | 28.19B | 23.93B | 16.13B | 14.68B | 14.38B | 12.75B |
| Revenues Before Loan Losses | 32.98B | 33.97B | 37.29B | 30.97B | 29.60B | 26.56B |
| Provision for Loan Losses | 6.35B | 10.77B | 11.85B | 3.79B | 5.52B | 4.39B |
| Revenue | 26.63B | 23.20B | 25.43B | 27.18B | 24.08B | 22.17B |
| Salaries and Employee Benefits | 10.90B | 10.38B | 10.13B | 9.28B | 8.42B | 7.74B |
| Occupancy Expenses | 2.77B | 2.76B | 2.84B | 2.70B | 2.38B | 2.09B |
| Selling, General & Administrative | 3.38B | 3.44B | 4.26B | 4.07B | 3.76B | 3.41B |
| Other Non-Interest Expense | 6.12B | 4.80B | 6.32B | 6.08B | 3.99B | 3.65B |
| Total Non-Interest Expense | 23.16B | 21.38B | 23.56B | 22.14B | 18.55B | 16.89B |
| EBT Excluding Unusual Items | 3.47B | 1.82B | 1.87B | 5.04B | 5.53B | 5.28B |
| Asset Writedown | -103.85K | |||||
| Pretax Income | 3.47B | 1.82B | 1.87B | 5.04B | 5.53B | 5.28B |
| Income Tax Expense | 3.07B | 1.58B | 1.79B | 2.84B | 2.23B | 2.78B |
| Earnings From Continuing Operations | 399.40M | 238.29M | 80.06M | 2.20B | 3.30B | 2.51B |
| Minority Interest in Earnings | 2.00 | 2.00 | -4.00 | -186.00 | 91.00 | -45.00 |
| Net Income | 399.40M | 238.29M | 80.06M | 2.20B | 3.30B | 2.51B |
| Net Income to Common | 399.40M | 238.29M | 80.06M | 2.20B | 3.30B | 2.51B |
| Basic Shares Outstanding | 1.55B | 1.55B | 1.55B | 1.51B | 1.52B | 1.55B |
| Diluted Shares Outstanding | 1.55B | 1.55B | 1.55B | 1.51B | 1.52B | 1.55B |
| EPS (Basic) | 0.26 | 0.15 | 0.05 | 1.45 | 2.18 | 1.62 |
| EPS (Diluted) | 0.26 | 0.15 | 0.05 | 1.45 | 2.18 | 1.62 |
| Dividend Per Share | 0.48 | 0.45 | ||||
| Effective Tax Rate | 88.48% | 86.90% | 95.73% | 56.37% | 40.38% | 52.55% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 28.15B | 19.69B | 21.51B | 22.46B | 17.98B | 23.83B |
| Investment Securities | 197.54B | 151.74B | 90.76B | 85.61B | 79.01B | 9.38B |
| Total Investments | 197.54B | 151.74B | 90.76B | 85.61B | 79.01B | 9.38B |
| Gross Loans | 658.99B | 623.09B | 578.13B | 510.71B | 474.74B | 408.31B |
| Net Loans | 658.99B | 623.09B | 578.13B | 510.71B | 474.74B | 408.31B |
| Property, Plant & Equipment | 18.29B | 18.80B | 19.57B | 19.58B | 17.03B | 17.02B |
| Accrued Interest Receivable | 4.32B | 2.37B | 1.93B | 1.99B | ||
| Other Receivables | 30.75M | 24.30M | 1.46M | 503.41M | ||
| Restricted Cash | 39.09B | 55.85B | 45.44B | 36.19B | 30.94B | 25.38B |
| Other Current Assets | 1.70B | 2.53B | 2.69B | 4.95B | 916.52M | |
| Long-Term Deferred Tax Assets | 7.70B | 8.74B | 5.97B | 5.47B | ||
| Other Long-Term Assets | 30.93B | 4.11B | 3.10B | 2.42B | 707.61M | 85.58B |
| Total Assets | 972.99B | 887.03B | 772.18B | 687.56B | 633.31B | 570.42B |
| Interest Bearing Deposits | 609.93B | 556.90B | 441.41B | 376.68B | 324.70B | 299.83B |
| Non-Interest Bearing Deposits | 122.45B | 118.54B | 104.19B | 126.37B | 92.97B | 78.35B |
| Total Deposits | 732.38B | 675.44B | 545.60B | 503.05B | 417.67B | 378.18B |
| Current Portion of Long-Term Debt | 62.93B | |||||
| Current Income Taxes Payable | 1.49B | 5.60B | 3.89B | 5.70B | 6.57B | |
| Accrued Interest Payable | 18.39B | 14.51B | 6.60B | 5.19B | 4.85B | |
| Other Current Liabilities | 10.16B | 8.47B | 6.71B | 8.44B | 7.08B | 8.93B |
| Long-Term Debt | 81.81B | 64.55B | 81.14B | 66.59B | 107.04B | 26.48B |
| Long-Term Leases | 3.32B | 3.63B | 3.92B | 4.28B | 4.66B | |
| Other Long-Term Liabilities | 108.57B | 75.51B | 74.99B | 53.49B | 46.17B | 40.44B |
| Total Liabilities | 932.92B | 847.17B | 732.19B | 645.98B | 593.13B | 533.04B |
| Common Stock | 15.50B | 15.50B | 15.50B | 14.77B | 14.06B | 12.78B |
| Additional Paid-In Capital | 1.45B | 1.45B | 1.45B | 1.45B | 1.45B | 1.45B |
| Retained Earnings | 19.99B | 19.94B | 20.27B | 22.26B | 21.86B | 20.52B |
| Comprehensive Income & Other | 3.12B | 2.96B | 2.77B | 3.10B | 2.80B | 2.63B |
| Total Common Equity | 40.07B | 39.86B | 40.00B | 41.58B | 40.18B | 37.39B |
| Minority Interest | 195.00 | 188.00 | 190.00 | 186.00 | 174.00 | 265.00 |
| Shareholders' Equity | 40.07B | 39.86B | 40.00B | 41.58B | 40.18B | 37.39B |
| Total Liabilities & Equity | 972.99B | 887.03B | 772.18B | 687.56B | 633.31B | 570.42B |
| Total Debt | 81.81B | 67.87B | 84.77B | 70.51B | 111.32B | 94.07B |
| Net Cash (Debt) | -53.66B | -48.18B | -63.26B | -48.06B | -93.35B | -70.24B |
| Net Cash Per Share | -34.61 | -31.08 | -40.80 | -31.74 | -61.59 | -45.30 |
| Filing Date Shares Outstanding | 1.55B | 1.55B | 1.55B | 1.55B | 1.55B | 1.55B |
| Total Common Shares Outstanding | 1.55B | 1.55B | 1.55B | 1.55B | 1.55B | 1.55B |
| Book Value Per Share | 25.84 | 25.71 | 25.80 | 26.82 | 25.92 | 24.12 |
| Tangible Book Value | 40.07B | 39.86B | 40.00B | 41.58B | 40.18B | 37.39B |
| Tangible Book Value Per Share | 25.84 | 25.71 | 25.80 | 26.82 | 25.92 | 24.12 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 399.40M | 238.29M | 80.06M | 2.20B | 3.30B | 2.51B |
| Depreciation & Amortization | 1.72B | 1.61B | 1.70B | 1.59B | 1.46B | 1.30B |
| Other Amortization | 144.96M | 144.96M | 247.37M | 242.17M | 245.59M | 192.71M |
| Change in Trading Asset Securities | -941.36M | -1.04B | 713.62M | -467.18M | -647.48M | 57.87M |
| Change in Other Net Operating Assets | -145.16B | -116.84B | -65.28B | -43.67B | -60.29B | -65.55B |
| Other Operating Activities | 11.94B | 10.36B | 18.88B | 3.21B | -393.43M | 3.24B |
| Operating Cash Flow | -131.89B | -105.52B | -43.66B | -36.90B | -56.32B | -58.25B |
| Capital Expenditures | -871.28M | -996.30M | -1.39B | -3.81B | -1.64B | -3.50B |
| Investment in Securities | -120.25M | -912.25M | -163.94M | 409.05M | -1.18B | -142.50M |
| Investing Cash Flow | -991.52M | -1.91B | -1.55B | -3.40B | -2.81B | -3.64B |
| Long-Term Debt Issued | 12.62B | 19.45B | 29.64B | |||
| Long-Term Debt Repaid | -16.60B | -36.22B | -1.82B | -3.00B | ||
| Net Debt Issued (Repaid) | 21.31B | -16.60B | 12.62B | -36.22B | 17.63B | 26.64B |
| Issuance of Common Stock | 133.51M | 133.51M | ||||
| Common Dividends Paid | -570.00M | -570.00M | -1.33B | -1.07B | -608.76M | |
| Net Increase (Decrease) in Deposit Accounts | 111.84B | 131.60B | 40.73B | 85.73B | 37.69B | 34.56B |
| Other Financing Activities | 1.00 | |||||
| Financing Cash Flow | 132.72B | 114.57B | 52.03B | 48.44B | 55.31B | 60.59B |
| Foreign Exchange Rate Adjustments | 1.43B | 1.44B | 1.50B | 1.59B | 3.52B | 1.57B |
| Net Cash Flow | 1.27B | 8.59B | 8.32B | 9.73B | -298.22M | 272.28M |
| Free Cash Flow | -132.76B | -106.52B | -45.05B | -40.71B | -57.95B | -61.75B |
| Free Cash Flow Margin | -498.58% | -459.06% | -177.14% | -149.80% | -240.64% | -278.47% |
| Free Cash Flow Per Share | -85.63 | -68.70 | -29.06 | -26.89 | -38.24 | -39.83 |
| Cash Interest Paid | 52.27B | 45.41B | 27.35B | 21.02B | 16.81B | 14.28B |
| Cash Income Tax Paid | 3.86B | 4.17B | 2.96B | 3.71B | 4.64B | 3.50B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 14.11B | 16.12B | 14.26B | 18.31B | 18.28B | 19.56B |
| Last Close Price | 9.10 | 10.40 | 9.20 | 11.23 | 10.78 | 11.54 |
| PE Ratio | 35.32 | 67.67 | 178.16 | 8.33 | 5.54 | 7.80 |
| PS Ratio | 0.53 | 0.69 | 0.56 | 0.67 | 0.76 | 0.88 |
| PB Ratio | 0.35 | 0.40 | 0.36 | 0.44 | 0.46 | 0.52 |
| Debt / Equity Ratio | 2.04 | 1.70 | 2.12 | 1.70 | 2.77 | 2.52 |
| Net Debt / Equity Ratio | 1.34 | 1.21 | 1.58 | 1.16 | 2.32 | 1.88 |
| Net Debt / FCF Ratio | -0.40 | -0.45 | -1.40 | -1.18 | -1.61 | -1.14 |
| Return on Equity (ROE) | 1.00% | 0.60% | 0.20% | 5.38% | 8.51% | 6.86% |
| Return on Assets (ROA) | 0.04% | 0.03% | 0.01% | 0.33% | 0.55% | 0.47% |
| Earnings Yield | 2.83% | 1.48% | 0.56% | 12.00% | 18.04% | 12.82% |
| FCF Yield | -940.99% | -660.61% | -315.85% | -222.34% | -317.01% | -315.69% |
| Dividend Yield | 4.03% | 3.85% | ||||
| Payout Ratio | 142.71% | 239.20% | 1,655.95% | 48.72% | 24.28% | |
| Buyback Yield / Dilution | -2.40% | 0.11% | 2.24% | 0.00% | ||
| Total Shareholder Return | -2.40% | 4.14% | 6.09% |