United Bank Limited Company Profile and Performance

United Bank Limited is a major banking institution in Pakistan, with a rich history dating back to 1959. It was established by a group of Pakistani entrepreneurs.

The bank has undergone significant transformations over the years, expanding its operations and services to cater to the growing needs of its customers. Its headquarters is located in Karachi, Pakistan's largest city.

United Bank Limited has a strong presence in the country, with over 1,300 branches across Pakistan, making it one of the largest banks in the country.

United Bank Limited is a leading player in Pakistan's banking space with a legacy dating back to 1959.

The bank has a customer base of over 4 million individuals and is Pakistan's 3rd largest bank, with an asset base in excess of £12 billion.

Its global workforce consists of over 13,000 people, serving a diversified client base across various segments and industries worldwide.

United Bank Limited boasts one of the widest networks, with over 44,000 customer touch points through its more than 1,300 plus branches and 38,000 plus Omni (Branchless Banking) Agents.

The bank has a significant presence in the Pakistani economy, ensuring easy access to finance across all lending segments.

United Bank Limited was the pioneer of the Branchless Banking model in Pakistan and is now the fastest growing digital bank in the country.

Here are some key statistics about United Bank Limited's expansion:

United Bank Limited has a strong leadership team, with Muhammad Jawaid Iqbal serving as the CEO since 2023-04-02.

The bank's executive team includes several key members, such as Syed Mansoor Hussain Zaidi as Chief Financial Officer and Zia Ijaz and Ijaz Farooq as Deputy CEOs.

The bank's management structure is headed by Muhammad Jawaid Iqbal, who has been the CEO since 2023-04-02. He is supported by other senior executives, including Irfan Farooq Memon as Compliance Officer and Aslam Sadruddin as Chief Operating Officer.

United Bank Limited has a diverse board of directors, with two chairmen, Mohammed Anwar Pervez and Zameer Choudrey, who have been in their roles since 2013-12-18 and 2002-10-18, respectively.

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Here is a list of the bank's executive team:

The bank's leadership team has a combined experience of many years, with some members having been in their roles for over a decade.

United Bank Limited has a significant presence in Pakistan and abroad. It has over 1,390 branches nationwide, which is a testament to its extensive reach.

The bank's operations are not limited to Pakistan, as it has 18 overseas branches. This indicates its commitment to expanding its services globally.

UBL's presence in the Middle East is substantial, with a significant presence throughout the region. This suggests a strong focus on international business.

The bank also has representative offices in Beijing and Kazakhstan, further highlighting its global ambitions.

United Bank Limited's financial performance has been a subject of interest for investors and analysts alike. The bank's net profit margin has fluctuated over the years, ranging from 10.20% in 2023 to 12.79% in 2022 and 20.87% in 2021.

The bank's profit after taxation has also seen a significant increase in 2023, reaching PKR 53,180,413. This is a notable improvement from the previous year's PKR 32,062,655.

In terms of earnings per share (EPS), the bank's EPS growth has been impressive, with a growth rate of 65.86% in 2023. This is a testament to the bank's ability to generate profits and distribute them to its shareholders.

Here's a breakdown of the bank's financial performance over the years:

The bank's financial performance in the recent quarters has also been encouraging, with a significant increase in profit after taxation in Q3 2024, reaching PKR 25,540,314.

United Bank Limited has seen significant growth in its sales and revenue over the years. The bank's sales by activity have been steadily increasing, with a notable jump in 2022 and 2023.

In 2023, the bank's sales reached a record high of 173 billion rupees in branch banking, up from 102 billion rupees in 2022. This is a significant increase of 70% in just two years.

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The bank's sales from Islamic banking have also been on the rise, reaching 20.65 billion rupees in 2023, up from 9.81 billion rupees in 2022. This is a growth of 110% in just one year.

In terms of geographical breakdown, the bank's sales in Pakistan have been steadily increasing, reaching 157 billion rupees in 2023, up from 71.33 billion rupees in 2019. This is a growth of 119% in just four years.

Here is a breakdown of the bank's sales by activity in 2023:

The bank's sales in Pakistan have been the largest contributor to its overall sales, accounting for 157 billion rupees in 2023.

United Bank Limited's valuation has been a topic of interest for investors. The bank's capitalization has ranged from 148 billion to 60.54 billion.

The price-to-earnings (P/E) ratio is a key metric for investors. In 2024, United Bank Limited's P/E ratio was 8.79x, while in 2025 it's expected to be 7.16x.

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Here's a breakdown of the bank's valuation metrics:

The free-float of United Bank Limited is 38.51%, indicating that a significant portion of the bank's shares are available for trading. The yield for 2024 is 10.6%, while for 2025 it's expected to be 10.2%.

Analysts' consensus is a crucial factor in determining a stock's valuation.

The average analyst estimate for a stock's earnings per share (EPS) is often used as a benchmark to gauge the market's expectations.

According to a recent survey, 75% of analysts believe that a stock's price will increase if the actual EPS beats the consensus estimate.

A stock with a high consensus rating is often seen as a safe bet, but it's essential to remember that past performance is not a guarantee of future success.

In the case of XYZ Inc., a consensus rating of 4.5 out of 5 indicates a strong buy recommendation from analysts.

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The consensus rating is based on the opinions of 25 analysts, with a median price target of $120 per share.

A stock with a low consensus rating may indicate a potential buying opportunity, but it's essential to conduct thorough research before making an investment decision.

In the case of ABC Corp., a consensus rating of 2.5 out of 5 indicates a hold recommendation from analysts.

Valuation is a crucial aspect of assessing a company's worth, and United Bank Limited's valuation metrics are quite telling. The company's capitalization has fluctuated between 475B and 19.09B over the years.

In 2024, United Bank Limited's P/E ratio is expected to be around 8.79x, while in 2025, it's expected to drop to 7.16x. This indicates a potential decrease in the company's stock price in the near future.

Enterprise value is another important metric, and United Bank Limited's has ranged from 475B to 60.54B. The EV/Sales ratio is also an interesting metric, with United Bank Limited's expected to be around 3.31x in 2024 and 3.33x in 2025.

The free-float of United Bank Limited is a significant 38.51%, which means that a substantial portion of the company's shares are publicly traded. The yield on the company's stock is expected to be around 10.6% in 2024 and 10.2% in 2025.

Here's a summary of United Bank Limited's valuation metrics:

The quotes section provides valuable insights into the price movements of a particular stock.

The stock price fluctuated between 388.29 ₨ and 375.92 ₨ over the five-day period.

A significant increase of 3.29% was observed on 25-01-14, while a decrease of 0.65% was noted on 25-01-10.

Here's a breakdown of the stock's daily price movements:

The trading volume also varied significantly over the five-day period, with the highest volume observed on 25-01-14 at 2,510,435.