United Bank Limited Overview
Pro stress-test →United Bank Limited is a Pakistani bank headquartered in Karachi. It is Pakistan's largest bank by market capitalization, third-largest by total assets, and fourth-largest by tier 1 capital. The bank reported its highest-ever annual profit of Rs130 billion for 2025 with 73% year-on-year growth.
Strategic Profile
Pro stress-test →UBL is a subsidiary of British multinational conglomerate Bestway Group. In March 2025, the State Bank of Pakistan sanctioned the amalgamation of Silkbank with UBL, with the merger becoming effective on March 11, 2025. The bank's Net Interest Income surged to Rs362 billion, up 108% year-on-year, driven by higher interest income and lower interest expense.
Competitive Landscape
Pro stress-test →UBL leads Pakistan's banking sector, followed by Meezan Bank and National Bank of Pakistan. UBL holds the second-largest deposit base at Rs5.1 trillion and led in deposit growth with 96% YoY increase. The recent Silkbank integration strengthens UBL's position as the dominant player in commercial banking.
Industry Context
United Bank Limited operates in Commercial Banking & Financial Services.
Key facts
Founded: 1959 · Headquarters: Karachi, Pakistan · Employees: N/A · Revenue: Rs1.2T (Interest income 2025) · Market cap: N/A