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United Bank for Africa (UBA) investor relations material
United Bank for Africa Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary19 Sep, 2025
Executive summary
Group profit before tax reached ₦388.4bn, with profit after tax at ₦335.5bn for H1 2025, up from ₦316.4bn in H1 2024.
Earnings per share stood at ₦8.86, with an interim dividend of ₦0.25 per share proposed.
Total assets grew to ₦33.3tn, and customer deposits rose to ₦24.2tn as of June 2025.
The Group completed a rights issue, increasing share capital and premium to ₦350.1bn.
Financial highlights
Interest income rose to ₦1.33tn (up from ₦1.00tn YoY), while net interest income was ₦773bn.
Net fee and commission income was ₦147bn, and net trading and FX loss was ₦10bn (vs. ₦98bn gain YoY).
Operating expenses totaled ₦513bn, and impairment charges for credit losses on loans were ₦35.2bn.
Group’s cost-to-income ratio improved, and ROE remained robust.
Outlook and guidance
Management expects continued growth in earnings and asset base, supported by strong capital and liquidity.
The Group is focused on digital innovation, regional expansion, and maintaining asset quality.
UBA's capital position post-rights issue
Impact of operational penalties on profitability
Naira depreciation impact on Group PBT
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Next United Bank for Africa earnings date
Q3 202522 Dec, 2025
Next United Bank for Africa earnings date
Q3 202522 Dec, 2025
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