DSE : UNIONBANK
Union Bank PLC. — Financial statements
Commercial Banks · Bangladesh
Last price 1.5 BDT (At close: Nov 5, 2025) · Market cap 1.55B
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | -14.43B | 5.29B | 18.40B | 20.19B | 19.45B | 19.74B |
| Interest Paid on Deposits | 24.54B | 21.18B | 17.00B | 13.96B | 13.40B | 14.29B |
| Net Interest Income | -38.97B | -15.90B | 1.40B | 6.23B | 6.05B | 5.45B |
| Gain (Loss) on Sale of Investments | -288.24M | -320.74M | -23.71M | -4.32M | 6.88M | 3.51K |
| Other Non-Interest Income | 686.70M | 924.25M | 1.10B | 1.27B | 524.40M | 510.96M |
| Total Non-Interest Income | 398.46M | 603.51M | 1.07B | 1.27B | 531.28M | 510.97M |
| Revenues Before Loan Losses | -38.57B | -15.30B | 2.48B | 7.50B | 6.58B | 5.96B |
| Provision for Loan Losses | 230.56B | 232.06B | 674.54M | 906.95M | 1.07B | 600.00M |
| Revenue | -269.13B | -247.35B | 1.80B | 6.59B | 5.51B | 5.36B |
| Salaries and Employee Benefits | 1.88B | 2.15B | 2.00B | 1.89B | 1.66B | 1.41B |
| Occupancy Expenses | 411.41M | 535.93M | 552.45M | 445.61M | 365.07M | 295.74M |
| Selling, General & Administrative | 276.09M | 377.97M | 425.38M | 482.78M | 436.19M | 478.20M |
| Other Non-Interest Expense | 7.00B | 7.30B | 1.13B | 629.57M | 467.97M | 516.53M |
| Total Non-Interest Expense | 9.57B | 10.37B | 4.11B | 3.45B | 2.93B | 2.70B |
| EBT Excluding Unusual Items | -278.70B | -257.72B | -2.31B | 3.14B | 2.58B | 2.66B |
| Other Unusual Items | -290.97M | -394.00M | ||||
| Pretax Income | -278.70B | -257.72B | -2.31B | 3.14B | 2.29B | 2.27B |
| Income Tax Expense | -752.76M | 216.39M | 564.69M | 1.62B | 1.42B | 1.28B |
| Net Income | -277.95B | -257.94B | -2.88B | 1.51B | 872.36M | 988.42M |
| Net Income to Common | -277.95B | -257.94B | -2.88B | 1.51B | 872.36M | 988.42M |
| Basic Shares Outstanding | 1.04B | 1.04B | 1.02B | 1.01B | 586.88M | 586.88M |
| Diluted Shares Outstanding | 1.04B | 1.04B | 1.02B | 1.01B | 586.88M | 586.88M |
| EPS (Basic) | -268.22 | -248.91 | -2.82 | 1.49 | 1.49 | 1.68 |
| EPS (Diluted) | -268.22 | -248.91 | -2.82 | 1.49 | 1.49 | 1.68 |
| Dividend Per Share | 0.48 | 0.48 | ||||
| Effective Tax Rate | 51.75% | 61.86% | 56.41% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 9.23B | 15.86B | 13.88B | 15.85B | 8.17B | 13.15B |
| Investment Securities | 291.28B | 293.05B | 265.91B | 232.55B | 205.85B | 174.03B |
| Total Investments | 291.28B | 293.05B | 265.91B | 232.55B | 205.85B | 174.03B |
| Property, Plant & Equipment | 4.91B | 5.03B | 5.01B | 4.95B | 4.05B | 3.76B |
| Accrued Interest Receivable | 477.72M | 493.51M | 575.93M | 631.83M | 288.45M | 476.00M |
| Other Receivables | 78.05M | 78.05M | 536.53M | 126.38M | 130.97M | |
| Restricted Cash | 7.77B | 7.48B | 6.68B | 6.01B | ||
| Other Current Assets | 1.84B | 332.07M | 366.61M | 4.99B | ||
| Long-Term Deferred Tax Assets | 77.70M | 68.49M | 56.18M | 105.73M | 97.90M | 82.48M |
| Other Long-Term Assets | 537.10M | 2.48B | 2.36B | 11.27B | 11.64B | 13.41B |
| Total Assets | 308.44B | 324.83B | 295.28B | 272.91B | 236.61B | 210.03B |
| Accrued Expenses | 9.37B | 7.61B | 4.80B | 3.34B | 3.36B | 3.28B |
| Interest Bearing Deposits | 213.81B | 219.49B | 216.42B | 203.65B | 190.46B | 166.24B |
| Non-Interest Bearing Deposits | 1.59B | 3.38B | 5.39B | 6.09B | 7.33B | 4.26B |
| Total Deposits | 215.40B | 222.87B | 221.81B | 209.74B | 197.80B | 170.51B |
| Short-Term Borrowings | 60.47B | 53.90B | 27.73B | 27.18B | 10.03B | 9.65B |
| Current Income Taxes Payable | 98.60M | 98.60M | 82.00M | 532.85M | 499.12M | 4.92B |
| Other Current Liabilities | 3.80B | 2.59B | 2.69B | 2.15B | 1.16B | 1.27B |
| Long-Term Debt | 1.60B | 1.60B | 2.40B | 3.20B | 4.00B | 4.00B |
| Long-Term Leases | 1.06B | 1.06B | 1.03B | 900.46M | 217.40M | |
| Pension & Post-Retirement Benefits | 60.97M | 84.07M | 77.11M | 94.41M | 70.04M | 51.12M |
| Other Long-Term Liabilities | 282.49B | 281.07B | 22.79B | 10.48B | 9.46B | 7.19B |
| Total Liabilities | 574.35B | 570.88B | 283.40B | 257.63B | 226.60B | 200.88B |
| Common Stock | 10.36B | 10.36B | 10.36B | 9.87B | 5.59B | 5.59B |
| Retained Earnings | -276.43B | -256.56B | 1.38B | 5.27B | 4.28B | 3.42B |
| Comprehensive Income & Other | 145.75M | 145.75M | 145.75M | 145.75M | 145.75M | 145.75M |
| Shareholders' Equity | -265.92B | -246.05B | 11.88B | 15.28B | 10.01B | 9.16B |
| Total Liabilities & Equity | 308.44B | 324.83B | 295.28B | 272.91B | 236.61B | 210.03B |
| Total Debt | 63.13B | 56.56B | 31.15B | 31.28B | 14.25B | 13.65B |
| Net Cash (Debt) | -53.90B | -40.70B | -17.27B | -15.44B | -6.08B | -503.06M |
| Net Cash Per Share | -52.01 | -39.27 | -16.95 | -15.22 | -10.36 | -0.86 |
| Filing Date Shares Outstanding | 1.04B | 1.04B | 1.04B | 1.04B | 586.88M | 586.88M |
| Total Common Shares Outstanding | 1.04B | 1.04B | 1.04B | 1.04B | 586.88M | 586.88M |
| Book Value Per Share | -256.61 | -237.44 | 11.47 | 14.75 | 17.06 | 15.60 |
| Tangible Book Value | -265.92B | -246.05B | 11.88B | 15.28B | 10.01B | 9.16B |
| Tangible Book Value Per Share | -256.61 | -237.44 | 11.47 | 14.75 | 17.06 | 15.60 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Net Income | -277.95B | -257.94B | -2.88B | 1.51B | 872.36M | 988.42M |
| Depreciation & Amortization | 100.67M | 193.73M | 185.21M | 301.20M | 243.32M | 172.30M |
| Gain (Loss) on Sale of Investments | 238.89B | 238.89B | 1.17B | 1.09B | 1.37B | |
| Change in Other Net Operating Assets | 21.65B | -10.41B | -11.86B | -28.97B | -24.97B | -28.50B |
| Other Operating Activities | 1.08B | 1.32B | 889.76M | -422.55M | 212.01M | 1.14B |
| Operating Cash Flow | -17.80B | -27.94B | -12.49B | -26.49B | -22.27B | -26.20B |
| Capital Expenditures | -123.75M | -267.36M | -162.58M | -230.55M | -254.83M | -217.73M |
| Investment in Securities | 13.31M | 44.04M | 51.17M | 1.76B | -4.34B | -1.60B |
| Other Investing Activities | -1.00 | |||||
| Investing Cash Flow | -110.44M | -223.33M | -111.42M | 1.53B | -4.60B | -1.82B |
| Long-Term Debt Issued | 26.18B | 542.08M | 17.15B | 383.75M | 3.36B | |
| Total Debt Issued | 26.05B | 26.18B | 542.08M | 17.15B | 383.75M | 3.36B |
| Long-Term Debt Repaid | -800.00M | -800.00M | -800.00M | |||
| Net Debt Issued (Repaid) | 25.95B | 25.38B | -257.92M | 16.35B | 383.75M | 3.36B |
| Issuance of Common Stock | 4.28B | |||||
| Common Dividends Paid | -518.14M | -459.83M | ||||
| Net Increase (Decrease) in Deposit Accounts | -5.84B | 5.05B | 12.21B | 13.15B | 27.52B | 22.49B |
| Other Financing Activities | 518.14M | -1.00 | ||||
| Financing Cash Flow | 20.62B | 30.43B | 11.43B | 33.31B | 27.90B | 25.85B |
| Net Cash Flow | 2.71B | 2.26B | -1.17B | 8.36B | 1.03B | -2.18B |
| Free Cash Flow | -17.92B | -28.21B | -12.65B | -26.72B | -22.53B | -26.42B |
| Free Cash Flow Margin | -702.67% | -405.50% | -408.78% | -492.96% | ||
| Free Cash Flow Per Share | -17.29 | -27.22 | -12.41 | -26.34 | -38.39 | -45.02 |
| Cash Interest Paid | 22.78B | 18.48B | 15.39B | 13.96B | 13.42B | 14.18B |
| Cash Income Tax Paid | 106.04M | 1.52B | 1.21B | 1.54B | 1.29B | 1.22B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.55B | 4.97B | 9.22B | 9.18B | ||
| Last Close Price | 1.50 | 4.80 | 8.90 | 8.36 | ||
| PE Ratio | 6.06 | |||||
| PS Ratio | -0.02 | 5.12 | 1.39 | |||
| PB Ratio | -0.02 | 0.78 | 0.60 | |||
| Debt / Equity Ratio | -0.24 | -0.23 | 2.62 | 2.05 | 1.42 | 1.49 |
| Net Debt / Equity Ratio | -0.20 | -0.17 | 1.45 | 1.01 | 0.61 | 0.06 |
| Net Debt / FCF Ratio | -3.01 | -1.44 | -1.36 | -0.58 | -0.27 | -0.02 |
| Return on Equity (ROE) | -21.17% | 11.97% | 9.10% | 11.23% | ||
| Return on Assets (ROA) | -90.90% | -83.19% | -1.01% | 0.59% | 0.39% | 0.51% |
| Earnings Yield | -17,881.28% | -5,185.55% | -31.18% | 16.49% | ||
| FCF Yield | -1,152.80% | -567.09% | -137.19% | -291.08% | ||
| Dividend Yield | 5.38% | |||||
| Payout Ratio | 30.38% | |||||
| Buyback Yield / Dilution | 0.01% | -1.69% | -0.49% | -72.80% | ||
| Total Shareholder Return | 0.01% | -1.69% | -0.49% | -67.42% |