UBL Major Banks
Finance
Mkt Cap
1.02T
P/E (TTM)
7.19
EPS
52.13
ROE
36.78%
Div Yield
7.91%
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | ||
|---|---|---|---|---|---|---|
| Regulatory Capital | ||||||
| CET1 Ratio | 15.92% | 14.83% | 10.48% | 12.30% | 13.81% | |
| Tier 1 Capital Ratio | 16.31% | 15.45% | 11.08% | 13.13% | 14.78% | |
| Tier 2 Capital Ratio | 4.66% | 5.14% | 3.53% | 4.29% | 4.71% | |
| Total Capital Ratio | 20.97% | 20.59% | 14.61% | 17.42% | 19.50% | |
| Tier 1 Capital | 409.30B | 245.22B | 173.76B | 161.03B | 152.73B | |
| Risk-Weighted Assets | 2.51T | 1.59T | 1.57T | 1.23T | 1.03T | |
| Asset Quality | ||||||
| Non-Performing Loans | 223.91B | 231.98B | 221.15B | 95.53B | 89.03B | |
| NPL Ratio (NPL/Gross Loans) | 0.14% | 0.15% | 0.22% | 0.08% | 0.10% | |
| Loan Loss Coverage | 0.06% | 2.69% | 1.76% | -0.22% | 0.43% | |
| NPL / Loan Loss Reserve | 1.82 | 1.91 | 2.13 | 1.04 | 1.08 | |
| Reserve / Gross Loans | 0.08% | 0.08% | 0.10% | 0.08% | 0.10% | |
| Profitability | ||||||
| Return on Equity (ROE) | 31.48% | 25.29% | 22.43% | 14.26% | 14.35% | |
| Return on Assets (ROA) | 1.26% | 1.07% | 1.24% | 1.09% | 1.22% | |
| Operating Margin | 68.48% | 55.98% | 60.97% | 62.44% | 51.81% | |
| Net Margin | 30.67% | 29.24% | 31.98% | 21.89% | 31.43% | |
| Yield on Earning Assets | 12.65% | 17.09% | 13.44% | 10.40% | 7.42% | |
| Interest Income / Deposits | 10.28% | 7.11% | 6.84% | 5.78% | 4.29% | |
| Deposit & Loan Structure | ||||||
| Deposits / Total Assets | 0.36% | 0.31% | 0.41% | 0.67% | 0.64% | |
| Loans / Deposits (ADR) | 0.34% | 0.63% | 0.41% | 0.60% | 0.48% | |
| Loans / Total Assets | 0.12% | 0.20% | 0.17% | 0.40% | 0.31% | |
| Equity / Deposits | 0.11% | 0.13% | 0.11% | 0.11% | 0.12% | |
| Cash / Deposits | 2.30% | 2.48% | 1.97% | 0.85% | 1.03% | |
| CASA Ratio | 0.56% | 0.60% | 0.46% | 0.44% | 0.43% | |
| Per Share | ||||||
| Book Value Per Share | 201.75 | 131.01 | 110.67 | 90.16 | 90.37 | |
| Tangible Book Per Share | 178.31 | 129.87 | 109.63 | 89.13 | 89.38 | |
| Shares & Market | ||||||
| Total Shares Outstanding | 2,504,247,750 | 2,448,359,374 | 2,448,359,374 | 2,448,359,374 | 2,448,359,374 | |
| Market Cap | 1.06T | 467.92B | 217.71B | 123.34B | 167.20B | |
| Enterprise Value | 7.69T | 5.11T | 2.99T | 612.63B | 556.87B | |
| Employees | 26,921 | 19,774 | 14,973 | 13,722 | 13,233 | |
| Shareholders | 22,396 | 22,396 | 22,396 | 22,396 | 22,396 | |