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United Bank for Africa
United Bank for Africa (UBA) investor relations material
United Bank for Africa Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary31 Oct, 2025
Executive summary
Gross earnings rose to ₦2.47 trillion for the nine months ended September 2025, up from ₦2.40 trillion year-over-year.
Net interest income increased to ₦1.17 trillion from ₦1.10 trillion year-over-year.
Profit for the period was ₦537.5 billion, slightly up from ₦525.3 billion year-over-year.
Total comprehensive income dropped to ₦750.8 billion from ₦1.63 trillion year-over-year, reflecting lower other comprehensive income.
Financial highlights
Interest income grew to ₦1.98 trillion from ₦1.80 trillion year-over-year.
Interest expense increased to ₦808.7 billion from ₦695.6 billion year-over-year.
Net fee and commission income was ₦234.8 billion, nearly flat year-over-year.
Net trading and FX income fell sharply to ₦41.4 billion from ₦182.5 billion year-over-year.
Operating income was ₦1.48 trillion, down from ₦1.54 trillion year-over-year.
Net impairment charge on loans and receivables improved to ₦56.9 billion from ₦123.5 billion year-over-year.
Total assets increased to ₦32.49 trillion from ₦30.32 trillion at December 2024.
Deposits from customers rose to ₦23.80 trillion from ₦21.89 trillion at December 2024.
Outlook and guidance
Management notes that seasonality is not significant, but future macroeconomic developments may impact operations.
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Latest events from United Bank for Africa
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Next United Bank for Africa earnings date
Q4 20253 Apr, 2026
United Bank for Africa
Next United Bank for Africa earnings date
Q4 20253 Apr, 2026
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