On April 16, 2025 company announced its 1st quarterly financially results and market have shocked and react as a result in 9% increase in one days and todays its stock price is PKR 542.2 per share. In this blog we share about what factors that UBL have perform well as compared to other top banks in Pakistan
Financial Analysis :-
When it comes to Net Interest income PKR 84.6 billion 216% increased YoY. Total Income of the bank is PKR 99 billion 112% increase YoY and the profit after taxation is PKR 35.5 billion 128% increase YoY with EPS of 28.92 and the margin of 35.6%. Most of the analysts have estimate their EPS 22 in 1st quarter 2025. Their P/E ratio is 17 which is also overwhelming for many investors and retailer. Company have also high perform in annually approximately PKR 1 trillion of total net interest income increase by 108% YoY. Total Income also increased by 196% of PKR 261 billion annually and profit after taxation is PKR 80.5 billion 51.4% increase YoY with the margin of 7%.
How UBL Perform Well As Compared To other Banks?
In some years UBL take initiatives which they dominant the whole industry in today. Following are the reasons which reflects the UBL have better than its peers.
1- UBL was only bank in Pakistan which start the freelance accounts for freelancers. Where they attract the whole market for freelancers where they use their accounts for international transactions, getting amount in dollars and more deposits.
2- Management take initiatives for improving digital apps for feasible transaction and better customer experience.
3- Whole banking industry have core business of interest income where they earn on the customers deposits. So if the bank has high deposits it reflects the customer satisfaction and high chances of generating high earning. UBL contain that quality of high deposit in Pakistan PKR 2.6 trillion where Meezan Bank contain PKR 2.5 trillion, Faysal Bank PKR 1 trillion and Bank Al Habib contain PKR 317 billion In 2024.
4- While discussing about high bank deposits its only dependent upon high number of branches UBL have 1,482, Meezan Bank have 1,051 ,Faysal Bank have 855 and Bank Al Habib 1,221 number of branches all over in Pakistan.
5- Recently Silk Bank have merged in UBL on 11 March 2025, which also reflects the strong operational efficiency of UBL.
6- In previous year government announced their policy to shifting conventional banking into islamic banking that’s why UBL is one of those banking which convert most of the branches in islamic banking.
Conclusion :-
There is no doubt UBL have best experience sentiment in the Pakistan stock market and it perform well in recent years and quarters. Giving best facilities of their employees and making Pakistan top one bank. Market giving return is stunning and it some technical analyst estimated their next price should be PKR 590 to PKR 600 per share in upcoming months. So stay updated with this website.
