Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).
GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. United Bank's annualizedNet Interest Income (for Banks) for the quarter that ended in Mar. 2026 was ₨397,688 Mil. United Bank's average earning assets for the quarter that ended in Mar. 2026 was ₨1,350,087 Mil. Therefore, United Bank's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2026 was 29.46%.
United Bank (KAR:UBL) Net Interest Margin (Bank Only) % Explanation
The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.
United Bank Net Interest Margin (Bank Only) % Related Terms
United Bank Net Interest Margin (Bank Only) % Historical Data
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The historical data trend for United Bank's Net Interest Margin (Bank Only) % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
United Bank Net Interest Margin (Bank Only) % Chart
United Bank Net Interest Margin (Bank Only) % Competitor Comparison
For the Banks - Regional subindustry, United Bank's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
United Bank Net Interest Margin (Bank Only) % vs Banks Industry
For the Banks industry and Financial Services sector, United Bank's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where United Bank's Net Interest Margin (Bank Only) % falls into.
United Bank Net Interest Margin (Bank Only) % Calculation
Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).
United Bank's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data,
the Net Interest Income (for Banks) data used here is four times the quarterly (Mar. 2026) net interest income data.
Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.
What does a Net Interest Margin (Bank Only) % of 29.46% mean?
United Bank (KAR:UBL) has a Net Interest Margin (Bank Only) % of 29.46% as of Mar. 2026. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on United Bank and its competitors.
Is United Bank's Net Interest Margin (Bank Only) % too high?
United Bank's current Net Interest Margin (Bank Only) % is 29.46%. Overall, United Bank has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does United Bank's Net Interest Margin (Bank Only) % compare to competitors?
United Bank's Net Interest Margin (Bank Only) % of 29.46% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Interest Margin (Bank Only) % for a Banks company?
A good Net Interest Margin (Bank Only) % depends on the Banks industry context. However, Net Interest Margin (Bank Only) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Interest Margin (Bank Only) % mean?
A high Net Interest Margin (Bank Only) % can signal that a stock is expensive relative to its fundamentals. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on United Bank and its competitors. United Bank's current Net Interest Margin (Bank Only) % is 29.46%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Bank stock overvalued right now?
Based on GuruFocus' analysis, United Bank (KAR:UBL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨341.43, compared to a current price of ₨494.67 — trading 44.9% above its estimated fair value. The current Net Interest Margin (Bank Only) % is 29.46%. United Bank's overall GF Score™ is 69/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Margin (Bank Only) % calculated?
Net Interest Margin (Bank Only) % is calculated from a company's financial statements. For United Bank (KAR:UBL), the current Net Interest Margin (Bank Only) % is 29.46% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is United Bank (KAR:UBL) Overvalued in 2026?
Based on GuruFocus' analysis, United Bank stock appears to be overvalued.
The current stock price of ₨494.67 is trading 44.9% above its estimated GF Value™ of ₨341.43.
GuruFocus considers United Bank to be Significantly Overvalued.
Key valuation signals for KAR:UBL:
Net Interest Margin (Bank Only) %: 29.46%
GF Value™: ₨341.43 vs. price of ₨494.67 (44.9% above fair value)
No single metric tells the full story. See the KAR:UBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Bank Ltd is a commercial banking company. The company's operating segment includes Corporate/Commercial Banking, Treasury, Branch Banking, Islamic Banking, International Branch Operations, and Others. It generates maximum revenue from the Branch Banking segment. The Branch Banking segment includes deposits, lending, and banking services to private individuals and small businesses, including credit cards and branchless banking. Geographically, it derives the majority of its revenue from Pakistan and also has a presence in the Middle East and Export Processing Zones.
69GF Score
Get the complete analysis for KAR:UBL
Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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