Universal Bank provides retail and corporate banking, lending and treasury services in Uzbekistan.
Sector: Banks
UZ_UNIVERSAL
Shares: connector/market_inputs
Monetary columns are in B UZS, one decimal; scale (K/M/B/T) keeps values readable. For the period (default) shows P&L and cash flow for that row’s reporting window: quarterly amounts when the feed uses quarter-duration facts (typical US 10-Q revenue and income), quarterly cash flows after stripping YTD where only cumulative tags exist, and an implied Q4 on 31 Dec FY rows (P&L: FY minus Q1–Q3; operating / investing cash flow: FY 12m minus 9M YTD to 30 Sep when sourced from SEC builder evidence) so they match 10-Q scale. Some issuers still use cumulative YTD minus the prior row in the same calendar year. As reported shows values stored on each row (e.g. full-year on FY). Balance sheet is always as reported. Source JSON may use millions etc.; conversion uses amounts_unit per row.
| Date | Period | Status | Net interest incomeB UZS | Net profitB UZS | AssetsB UZS | EquityB UZS | ROE (annualized) | Source |
|---|---|---|---|---|---|---|---|---|
| 2026-09-30 | Q3 2026 (3M) | OK | 42.0 y/y -8.8% | -21.6 y/y -38.4% | 5416.2 y/y 38.6% | 935.0 y/y 20.6% | 5.8% | Link |
| 2026-06-30 | Q2 2026 (3M) | OK | 51.3 y/y 11.6% | 61.2 y/y -15.2% | 5113.2 y/y 31.0% | 895.4 y/y 26.0% | 27.5% | Link |
| 2026-03-31 | Q1 2026 (3M) | OK | 58.6 y/y 34.2% | 77.8 y/y 6.6% | 4567.6 y/y 32.4% | 884.2 y/y 30.3% | 36.8% | Link |
| 2025-12-31 | Q4 2025 (3M) | OK | 54.7 y/y — | -32.8 y/y — | 4832.0 y/y — | 806.4 y/y — | 15.9% | Link |
| 2025-09-30 | Q3 2025 (3M) | OK | 46.1 y/y 22.1% | 64.3 y/y 39.7% | 3907.0 y/y 40.4% | 775.0 y/y 44.5% | 11.5% | Link |
| 2025-06-30 | Q2 2025 (3M) | OK | 45.9 y/y 32.2% | 72.2 y/y 123.1% | 3903.4 y/y 54.0% | 710.7 y/y 44.3% | 41.6% | Link |
| 2025-03-31 | Q1 2025 (3M) | OK | 43.6 y/y 29.0% | 73.0 y/y 53.2% | 3449.6 y/y 41.5% | 678.5 y/y 47.3% | 45.5% | Link |
| 2024-12-31 | Q4 2024 (3M) | OK | 42.7 y/y — | 30.1 y/y — | 3368.0 y/y 40.8% | 605.6 y/y 45.0% | 34.6% | Link |
| 2024-09-30 | Q3 2024 (3M) | OK | 37.7 y/y — | 46.0 y/y — | 2783.1 y/y — | 536.4 y/y — | 11.9% | Link |
| 2024-06-30 | Q2 2024 (3M) | OK | 34.8 y/y — | 32.4 y/y — | 2534.5 y/y — | 492.5 y/y — | 27.2% | Link |
| 2024-03-31 | Q1 2024 (3M) | OK | 33.8 y/y — | 47.6 y/y — | 2438.3 y/y — | 460.7 y/y — | 43.4% | Link |
| 2023-12-31 | FY 2023 (12M) | OK | 436.7 y/y — | 120.4 y/y — | 2392.1 y/y — | 417.6 y/y — | — | Link |
Our earnings breakdowns and investment notes on this issuer.
| Date | Per share | Details | Status | Source |
|---|---|---|---|---|
| 2024-10-15 | 896 UZS | Ordinary: 896 UZS | Paid | stockscope.uz |
| 2024-07-04 | 599 UZS | Ordinary: 599 UZS | Paid | stockscope.uz |
| 2024-02-26 | 924 UZS | Ordinary: 924 UZS | Paid | stockscope.uz |
| 2022-10-19 | 392 UZS | Ordinary: 392 UZS | Paid | stockscope.uz |
| 2019-07-09 | 135 UZS | Ordinary: 135 UZS | Paid | stockscope.uz |
| 2018-05-10 | 800 UZS | Ordinary: 800 UZS | Paid | stockscope.uz |
| 2017-06-23 | 400 UZS | Ordinary: 400 UZS | Paid | stockscope.uz |
KASE: status follows wording in the news headline (paid vs intends to pay). Yahoo: amounts are cash dividends per share on ex-dividend dates (UTC calendar date). stockscope.uz (UZ): amounts are per share in UZS by publication date (not necessarily ex-div).
Investor reporting (IR): https://universalbank.uz/
Reporting forms detected in loaded periods: ✓ ✓ — (Balance sheet / Profit or loss (P&L) / Cash flows)
Financial results, valuation multiples (P/E, P/B), profitability and dividend yield of Universal bank (ATB) — from primary filings.
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