KARACHI – United Bank Ltd (UBL) has reported a staggering 93 per cent year-on-year increase in its consolidated earnings for the third quarter of 2025, reaching Rs35.4 billion, translating into earnings per share (EPS) of Rs14.1. Compared to the previous quarter, this marks a 24pc rise.
For the nine-month period ending September 2025, UBL’s profit surged by 104pc YoY, totaling Rs100bn (EPS: Rs40). The bank attributed its performance to robust net interest income (NII), which reached Rs92bn in Q3—up 78pc YoY and 1pc QoQ. However, non-interest income declined 13pc YoY and 12pc QoQ, reflecting market volatility.
#UBL Delivers Another Strong Quarter!
United Bank Limited (UBL) reported 3Q CY25 #EPS of PKR 14.1, up 93% YoY and 24% QoQ, with profit after tax hitting PKR 35.4B.
The bank also announced a PKR 8/share interim dividend, bringing total CYTD payout to PKR 21.5/share
– Net… pic.twitter.com/uQjNKa1IYc
— KSEStocks (@ksestocksdotcom) October 15, 2025
Despite a 36pc YoY rise in operating expenses to Rs32bn, largely due to branch expansion and marketing, UBL managed a 9pc QoQ reduction in costs. The bank’s total deposits hit Rs4.8 trillion, showing a strong 69pc YoY growth.
In a parallel market development, CCL Holding (Pvt) Ltd acquired a 40.63pc stake in Mitchell’s Fruit Farms Ltd (MFFL). The Rs1.7bn transaction involved the purchase of over 9.29 million shares at Rs180 per share, according to a notice issued to the Pakistan Stock Exchange (PSX). The deal was finalised after regulatory clearances and amendments to the Share Purchase Agreement initially signed in May 2025.
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Meanwhile, Thatta Cement Company Ltd (TCCL) announced the closure of a Rs5.5bn Islamic Sukuk and revealed a strategic investment in Pakistan Services Ltd (PSL). The cement firm acquired 28pc of PSL by purchasing 9.1 million shares at Rs710 each, amounting to over Rs6.47bn. CEO Kamran Munir Ansari called the move part of a broader diversification strategy aimed at tapping Pakistan’s growing hospitality sector.
