United Commercial Bank PLC (DSE:UCB)

United Commercial Bank Income Statement

Financials in millions BDT. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	61,189	56,330	38,527	32,302	27,985	27,691
Interest Paid on Deposits	42,124	35,174	22,239	17,087	14,167	17,892
Net Interest Income	19,065	21,156	16,288	15,214	13,818	9,799
Net Interest Income Growth (YoY)	-3.38%	29.88%	7.06%	10.10%	41.02%	-11.46%
Gain (Loss) on Sale of Assets	-0.03	-0.03	-0.01	-2.3	-5.12	-
Gain (Loss) on Sale of Investments	314.91	-841.68	-52.46	-646.37	244.59	441.82
Other Non-Interest Income	17,557	16,971	14,732	15,033	12,507	11,292
Total Non-Interest Income	17,872	16,129	14,679	14,385	12,747	11,733
Non-Interest Income Growth (YoY)	15.17%	9.88%	2.05%	12.85%	8.64%	24.02%
Revenues Before Loan Losses	36,937	37,285	30,968	29,599	26,565	21,532
Provision for Loan Losses	15,442	11,853	3,793	5,516	4,391	2,148
Revenue	21,495	25,432	27,175	24,083	22,174	19,384
Revenue Growth (YoY)	-26.96%	-6.41%	12.84%	8.61%	14.39%	8.57%
Salaries and Employee Benefits	9,949	10,131	9,280	8,422	7,736	6,560
Occupancy Expenses	2,607	2,844	2,701	2,377	2,094	1,926
Selling, General & Administrative	3,916	4,049	3,999	3,758	3,413	2,491
Other Non-Interest Expense	5,390	6,534	6,158	3,994	3,646	3,164
Total Non-Interest Expense	21,863	23,558	22,138	18,550	16,890	14,141
EBT Excluding Unusual Items	-368.34	1,874	5,037	5,533	5,283	5,244
Asset Writedown	-	-	-	-	-0.1	-
Pretax Income	-368.34	1,874	5,037	5,533	5,283	5,244
Income Tax Expense	641.54	1,794	2,840	2,234	2,776	2,295
Earnings From Continuing Operations	-1,010	80.06	2,198	3,299	2,507	2,949
Minority Interest in Earnings	-0	-0	-0	0	-0	-0
Net Income	-1,010	80.06	2,198	3,299	2,507	2,949
Net Income to Common	-1,009	80.06	2,198	3,299	2,507	2,949
Net Income Growth	-	-96.36%	-33.38%	31.57%	-14.98%	3.19%
Basic Shares Outstanding	1,514	1,514	1,514	1,516	1,550	1,550
Diluted Shares Outstanding	1,514	1,514	1,514	1,516	1,550	1,550
Shares Change (YoY)	-1.79%	-	-0.11%	-2.24%	-	0.12%
EPS (Basic)	-0.67	0.05	1.45	2.18	1.62	1.90
EPS (Diluted)	-0.67	0.05	1.45	2.18	1.62	1.90
EPS Growth	-	-96.36%	-33.31%	34.59%	-14.98%	3.06%
Dividend Per Share	-	-	0.476	0.454	-	0.393
Dividend Growth	-	-	5.01%	-	-	-
Effective Tax Rate	-	95.73%	56.37%	40.38%	52.55%	43.76%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.