Last close · 16 Oct 2026
Rs 13.48 +1.43%
Annual · FY2006 – FY2025
Samba Bank Limited (SBL) balance sheet
At the end of FY2025 (Jan – Dec 2025) Samba Bank Limited had total assets of Rs 206.4 bn, up 13.1% on FY2024. Deposits were Rs 118.9 bn, up 11.0% on FY2024 and net advances Rs 60.6 bn. Investments stood at Rs 117.4 bn. Shareholders' equity was Rs 18.8 bn (Rs 18.65 per share), 9.1% of total assets.
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | |||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||||||||||
| Cash & balances with banks | 10.5 | 10.6 | 10.5 | 7.2 | 8.9 | |||||||||||||||
| Lendings to financial institutions | 1.5 | 0.0 | 8.2 | 7.4 | 5.9 | |||||||||||||||
| Investments | 117.4 | 100.3 | 70.4 | 76.9 | 94.0 | |||||||||||||||
| Advances (net) | 60.6 | 56.1 | 73.4 | 74.5 | 81.2 | |||||||||||||||
| Fixed assets | 5.2 | 3.5 | 3.0 | 3.1 | 3.0 | |||||||||||||||
| Intangible assets | 0.7 | 0.8 | 0.6 | 0.6 | 0.6 | |||||||||||||||
| Other assets | 10.6 | 11.3 | 12.6 | 9.4 | 7.6 | |||||||||||||||
| Total assets | 206.4 | 182.5 | 178.7 | 179.1 | 201.1 | |||||||||||||||
| Liabilities | ||||||||||||||||||||
| Deposits | 118.9 | 107.1 | 114.7 | 105.2 | 79.3 | |||||||||||||||
| Borrowings | 62.8 | 51.2 | 38.4 | 53.4 | 100.2 | |||||||||||||||
| Total liabilities | 187.6 | 165.3 | 162.3 | 164.4 | 185.2 | |||||||||||||||
| Equity | ||||||||||||||||||||
| Share capital | 10.1 | 10.1 | 10.1 | 10.1 | 10.1 | |||||||||||||||
| Equity attributable to shareholders | 18.8 | 17.2 | 16.4 | 14.7 | 15.9 | |||||||||||||||
| Total equity | 18.8 | 17.2 | 16.4 | 14.7 | 15.9 | |||||||||||||||
| Total liabilities & equity | 206.4 | 182.5 | 178.7 | 179.1 | 201.1 | |||||||||||||||
| Key figures | ||||||||||||||||||||
| Gross advances | — | — | — | — | — | |||||||||||||||
| Provision against advances | — | — | — | — | — | |||||||||||||||
| Advances to deposits (ADR) | 0.51× | 0.52× | 0.64× | 0.71× | 1.02× | |||||||||||||||
| Shares outstanding mn | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | |||||||||||||||
| Common equity | 18.8 | 17.2 | 16.4 | 14.7 | 15.9 | |||||||||||||||
| Book value per share (Rs) Rs | 18.65 | 17.08 | 16.23 | 14.53 | 15.77 | |||||||||||||||
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | |||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||||||||||
| Cash & balances with banks | -1.2% | +0.7% | +46.0% | -19.3% | +1.0% | |||||||||||||||
| Lendings to financial institutions | — | -100.0% | +11.4% | +24.5% | -40.5% | |||||||||||||||
| Investments | +17.0% | +42.4% | -8.4% | -18.2% | +38.4% | |||||||||||||||
| Advances (net) | +8.1% | -23.6% | -1.4% | -8.3% | +23.7% | |||||||||||||||
| Fixed assets | +47.3% | +18.4% | -5.5% | +5.0% | +53.8% | |||||||||||||||
| Intangible assets | -3.0% | +27.8% | -3.1% | +4.0% | +317.4% | |||||||||||||||
| Other assets | -6.0% | -10.3% | +33.7% | +24.0% | +63.8% | |||||||||||||||
| Total assets | +13.1% | +2.1% | -0.2% | -11.0% | +26.5% | |||||||||||||||
| Liabilities | ||||||||||||||||||||
| Deposits | +11.0% | -6.6% | +9.0% | +32.8% | +1.1% | |||||||||||||||
| Borrowings | +22.8% | +33.1% | -28.0% | -46.7% | +65.7% | |||||||||||||||
| Total liabilities | +13.5% | +1.8% | -1.3% | -11.2% | +28.9% | |||||||||||||||
| Equity | ||||||||||||||||||||
| Share capital | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||||||||||||
| Equity attributable to shareholders | +9.1% | +5.3% | +11.7% | -7.8% | +3.8% | |||||||||||||||
| Total equity | +9.1% | +5.3% | +11.7% | -7.8% | +3.8% | |||||||||||||||
| Total liabilities & equity | +13.1% | +2.1% | -0.2% | -11.0% | +26.5% | |||||||||||||||
| Key figures | ||||||||||||||||||||
| Gross advances | — | — | — | — | — | |||||||||||||||
| Provision against advances | — | — | — | — | — | |||||||||||||||
| Advances to deposits (ADR) | — | — | — | — | — | |||||||||||||||
| Shares outstanding | — | — | — | — | — | |||||||||||||||
| Common equity | +9.1% | +5.3% | +11.7% | -7.8% | +3.8% | |||||||||||||||
| Book value per share (Rs) | +9.1% | +5.3% | +11.7% | -7.8% | +3.8% | |||||||||||||||
Change against the previous fiscal year; shown when the earlier figure is positive.
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | |||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||||||||||
| Cash & balances with banks | 5.1% | 5.8% | 5.9% | 4.0% | 4.4% | |||||||||||||||
| Lendings to financial institutions | 0.7% | 0.0% | 4.6% | 4.1% | 2.9% | |||||||||||||||
| Investments | 56.8% | 54.9% | 39.4% | 42.9% | 46.7% | |||||||||||||||
| Advances (net) | 29.4% | 30.7% | 41.1% | 41.6% | 40.4% | |||||||||||||||
| Fixed assets | 2.5% | 1.9% | 1.7% | 1.7% | 1.5% | |||||||||||||||
| Intangible assets | 0.4% | 0.4% | 0.3% | 0.3% | 0.3% | |||||||||||||||
| Other assets | 5.1% | 6.2% | 7.0% | 5.3% | 3.8% | |||||||||||||||
| Total assets | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |||||||||||||||
| Liabilities | ||||||||||||||||||||
| Deposits | 57.6% | 58.7% | 64.2% | 58.8% | 39.4% | |||||||||||||||
| Borrowings | 30.4% | 28.0% | 21.5% | 29.8% | 49.8% | |||||||||||||||
| Total liabilities | 90.9% | 90.6% | 90.8% | 91.8% | 92.1% | |||||||||||||||
| Equity | ||||||||||||||||||||
| Share capital | 4.9% | 5.5% | 5.6% | 5.6% | 5.0% | |||||||||||||||
| Equity attributable to shareholders | 9.1% | 9.4% | 9.2% | 8.2% | 7.9% | |||||||||||||||
| Total equity | 9.1% | 9.4% | 9.2% | 8.2% | 7.9% | |||||||||||||||
| Total liabilities & equity | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |||||||||||||||
| Key figures | ||||||||||||||||||||
| Gross advances | — | — | — | — | — | |||||||||||||||
| Provision against advances | — | — | — | — | — | |||||||||||||||
| Common equity | 9.1% | 9.4% | 9.2% | 8.2% | 7.9% | |||||||||||||||
Each line as a percentage of total assets.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. Updated 15 Oct 2026.
All reported line items 124
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 |
|---|---|---|---|---|---|
| Cash & Short-Term Deposits Due from Banks - Total | 10.5 | 10.6 | 10.5 | 7.2 | 8.9 |
| Cash & Short-Term Deposits Due from Banks | 9.6 | 9.2 | 9.5 | 6.2 | 7.8 |
| Funds with Central Banks | 0.8 | 1.4 | 1.0 | 1.0 | 1.1 |
| Lending & Long-Term Deposits Due from Banks | 1.5 | 0.0 | 8.2 | 7.4 | 5.9 |
| Loans & Receivables - Total | 60.6 | 56.1 | 73.4 | 74.5 | 81.2 |
| Banking Related Loans – Net | 60.6 | 56.1 | 73.4 | 74.5 | 81.2 |
| Loans - Gross | — | — | — | — | — |
| Investments - Total | 117.4 | 100.3 | 70.4 | 76.9 | 94.0 |
| Reserves for Loan Losses | — | — | — | — | — |
| Property, Plant & Equipment - Net - Total | 5.2 | 3.5 | 3.0 | 3.1 | 3.0 |
| Property, Plant & Equipment - Gross - Total | — | — | — | — | — |
| Property, Plant & Equipment - Accumulated Depreciation & Impairment - Total | — | — | — | — | — |
| Other Assets - Total | 10.6 | 11.3 | 12.6 | 9.4 | 7.6 |
| Deferred Tax - Asset - Long-Term & Short-Term | 3.1 | 3.4 | 2.5 | 2.1 | 1.2 |
| Other Assets | 7.5 | 7.9 | 10.1 | 7.3 | 6.4 |
| Intangible Assets - Total - Net | 0.7 | 0.8 | 0.6 | 0.6 | 0.6 |
| Intangible Assets - excluding Goodwill - Net - Total | 0.7 | 0.8 | 0.6 | 0.6 | 0.6 |
| Intangible Assets - Gross - Total | — | — | — | — | — |
| Intangible Assets - excluding Goodwill - Gross | — | — | — | — | — |
| Intangible Assets - Accumulated Amortization & Impairment - Total | — | — | — | — | — |
| Intangible Assets - excluding Goodwill - Accumulated Amortization & Impairment - Total | — | — | — | — | — |
| Computer Software - Intangible Assets - Net | — | — | — | — | — |
| Computer Software - Intangible Assets - Gross | — | — | — | — | — |
| Computer Software - Intangible Assets - Accumulated Amortization & Impairment | — | — | — | — | — |
| Total Assets | 206.4 | 182.5 | 178.7 | 179.1 | 201.1 |
| Deposits - Total | 118.9 | 107.1 | 114.7 | 105.2 | 79.3 |
| Deposits - Non-Interest Bearing | — | — | — | — | — |
| Debt - Total | 62.8 | 51.2 | 38.4 | 53.4 | 100.2 |
| Deposits - Interest Bearing | — | — | — | — | — |
| Short-Term Debt & Current Portion of Long-Term Debt | 46.1 | 14.5 | 20.4 | 33.8 | 75.9 |
| Deposits - Customers - Total | — | — | — | — | — |
| Deposits - Other - Customer | — | — | — | — | — |
| Current Portion of Long-Term Debt including Capitalized Leases | — | — | — | — | — |
| Capitalized Leases - Current Portion | — | — | — | — | — |
| Short-Term Debt & Notes Payable | 46.1 | 14.5 | 20.4 | 33.8 | 75.9 |
| Debt - Long-Term - Total | 16.7 | 36.7 | 18.0 | 19.6 | 24.3 |
| Short-Term Banking Borrowings excluding Collateralized Financing | 2.4 | 1.8 | 1.0 | 1.0 | 8.0 |
| Collateralized Financing Agreements, REPO Financing Loans - Liabilities | 43.7 | 12.7 | 19.4 | 32.8 | 67.9 |
| Securities Sold under Repurchase Agreements & Federal Funds Purchased | 43.7 | 12.7 | 19.4 | 32.8 | 67.9 |
| Securities Sold under Repurchase Agreements | 43.7 | 12.7 | 19.4 | 32.8 | 67.9 |
| Current Portion of Long-Term Debt excluding Capitalized Leases | — | — | — | — | — |
| Capitalized Lease Obligations - Long-Term | 3.2 | 1.9 | 1.5 | 1.5 | 1.3 |
| Long-Term Debt excluding Capitalized Leases | 8.5 | 29.8 | 11.6 | 13.1 | 18.0 |
| Debt - Non-Convertible - Long-Term | 8.5 | 29.8 | 11.6 | 13.1 | 18.0 |
| Dividends Payable | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Deferred Tax & Investment Tax Credits - Long-Term | 0.0 | 0.0 | 0.0 | 0.0 | — |
| Deferred Tax - Liability - Long-Term | 0.0 | 0.0 | 0.0 | 0.0 | — |
| Payables & Accrued Expenses | 0.5 | 1.2 | 0.8 | 0.7 | 0.7 |
| Accrued Expenses | 0.5 | 1.2 | 0.8 | 0.7 | 0.7 |
| Junior Subordinated Debentures & Notes Payable - Trust Account | 5.0 | 5.0 | 5.0 | 5.0 | 5.0 |
| Other Liabilities - Total | 5.4 | 5.8 | 8.3 | 5.1 | 5.1 |
| Other Liabilities - | 5.4 | 5.8 | 8.3 | 5.1 | 5.1 |
| Total Liabilities | 187.6 | 165.3 | 162.3 | 164.4 | 185.2 |
| Shareholders' Equity - Attributable to Parent Shareholders - Total | 18.8 | 17.2 | 16.4 | 14.7 | 15.9 |
| Common Equity Attributable to Parent Shareholders | 18.8 | 17.2 | 16.4 | 14.7 | 15.9 |
| Common Equity - Contributed | 10.1 | 10.1 | 10.1 | 10.1 | 10.1 |
| Common Stock - Issued & Paid | 10.1 | 10.1 | 10.1 | 10.1 | 10.1 |
| Equity - Non-Contributed - Reserves & Retained Earnings | 8.7 | 7.1 | 6.3 | 4.6 | 5.8 |
| Retained Earnings - Total | 8.3 | 7.2 | 6.6 | 5.3 | 6.4 |
| Comprehensive Income - Accumulated - Total | 0.4 | (0.0) | (0.3) | (0.7) | (0.5) |
| Other Reserves/Equity - Total | — | — | — | — | — |
| Common Equity - Total | 18.8 | 17.2 | 16.4 | 14.7 | 15.9 |
| Total Shareholders' Equity - including Minority Interest & Hybrid Debt | 18.8 | 17.2 | 16.4 | 14.7 | 15.9 |
| Total Liabilities & Equity | 206.4 | 182.5 | 178.7 | 179.1 | 201.1 |
| Revaluation Reserves | 0.4 | (0.0) | (0.3) | (0.7) | (0.5) |
| Common Shares - Issued - Total mn | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 |
| Common Shares - Outstanding - Total mn | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 |
| Common Shares - Treasury - Total mn | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Common Shares - Authorized - Issue Specific mn | 1,500.0 | 1,500.0 | 1,500.0 | 1,500.0 | 1,500.0 |
| Common Shares - Issued - Issue Specific mn | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 |
| Common Shares - Outstanding - Issue Specific mn | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 |
| Common Shares - Treasury - Issue Specific mn | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Asset Allocation Factor - Issue Specific | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× |
| Right of Use Tangible Assets - Total - Net - Supplemental | 2.9 | 1.7 | 1.3 | — | — |
| Right of Use Tangible Assets - Capital/Finance Lease - Net - Supplemental | 2.9 | 1.7 | 1.3 | — | — |
| Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Net - Supplemental | 2.2 | 1.8 | 1.7 | — | — |
| Finance and Operating Lease Liabilities - Total - Supplemental | 3.2 | 1.9 | 1.5 | 1.5 | 1.3 |
| Debt including Finance and Operating Lease Liabilities - Supplemental | 62.8 | 51.2 | 38.4 | 53.4 | 100.2 |
| Net Debt | 52.4 | 40.6 | 27.9 | 46.2 | 91.3 |
| Debt - Long-Term - Maturities - Total | — | — | — | — | — |
| Debt - Long-Term - Maturities - within 1 Year | — | — | — | — | — |
| Debt - Long-Term - Maturities - Year 2 | — | — | — | — | — |
| Debt - Long-Term - Maturities - Year 3 | — | — | — | — | — |
| Debt - Long-Term - Maturities - Year 5 | — | — | — | — | — |
| Debt - Long-Term - Maturities - Year 10 | — | — | — | — | — |
| Debt - Long-Term - Maturities - 2-3 Years | — | — | — | — | — |
| Capital Lease Maturities - Total | — | — | — | — | — |
| Debt - Long-Term - Maturities - 4-5 Years | — | — | — | — | — |
| Capital Lease Maturities - Due within 1 Year | — | — | — | — | — |
| Debt - Long-Term - Maturities - Year 6 & Beyond | — | — | — | — | — |
| Capital Lease Maturities - Due in Year 5 | — | — | — | — | — |
| Capital Lease Maturities - Interest Costs | — | — | — | — | — |
| Capital Lease Maturities - Due in 4-5 Years | — | — | — | — | — |
| Cash & Cash Equivalents - Total | 10.5 | 10.6 | 10.5 | 7.2 | 8.9 |
| Cash & Securities | 127.8 | 110.9 | 80.9 | 84.1 | 102.9 |
| Cash & Short Term Investments - Total | 10.5 | 10.6 | 10.5 | 7.2 | 8.9 |
| Debt - including Preferred Equity & Minority Interest - Total | 62.8 | 51.2 | 38.4 | 53.4 | 100.2 |
| Earning Assets | 189.9 | 166.9 | 162.5 | 165.9 | 190.0 |
| Invested Assets - Total | 117.4 | 100.3 | 70.4 | 76.9 | 94.0 |
| Net Book Capital | 71.2 | 57.8 | 44.3 | 60.8 | 107.2 |
| Net Operating Assets | 71.2 | 57.8 | 44.3 | 60.8 | 107.2 |
| Provisions - Total | 0.0 | 0.0 | 0.0 | 0.0 | — |
| Shareholders Equity - Common | 18.8 | 17.2 | 16.4 | 14.7 | 15.9 |
| Tangible Total Equity | 18.1 | 16.5 | 15.8 | 14.0 | 15.3 |
| Tangible Book Value | 18.1 | 16.5 | 15.8 | 14.0 | 15.3 |
| Total Book Capital | 81.6 | 68.4 | 54.8 | 68.0 | 116.1 |
| Total Capital | 81.6 | 68.4 | 54.8 | 68.0 | 116.1 |
| Total Long Term Capital | 18.8 | 17.2 | 16.4 | 14.7 | 15.9 |
| Book Value excluding Other Equity | 18.8 | 17.2 | 16.4 | 14.7 | 15.9 |
| Assets Held for Sale/Discontinued Operations - Long-Term & Short-Term | — | — | — | — | — |
| Cash & Short Term Investments - Net of Debt | (52.4) | (40.6) | (27.9) | (46.2) | (91.3) |
| Current Portion of Long-Term Debt including Capitalized Leases & Hybrid Financial Instruments | — | — | — | — | — |
| Interest Bearing Liabilities - Total | 181.7 | 158.3 | 153.2 | 158.6 | 179.5 |
| Net Debt Including Preferred Equity & Minority Interest | 52.4 | 40.6 | 27.9 | 46.2 | 91.3 |
| Other Short-Term & Long-Term Assets - Total | 10.6 | 11.3 | 12.6 | 9.4 | 7.6 |
| Other Short-Term & Long-Term Liabilities - Total | 5.4 | 5.8 | 8.3 | 5.1 | 5.1 |
| Tangible Book Value excluding Other Equity | 18.1 | 16.5 | 15.8 | 14.0 | 15.3 |
| Total Debt Excluding Islamic | 62.8 | 51.2 | 38.4 | 53.4 | 100.2 |
| Reserves for Loan Losses - Total | — | — | — | — | — |
| Total Available Funds | 137.7 | 124.4 | 131.1 | 119.9 | 95.2 |
| Loans - Gross – Total | 62.1 | 56.1 | 81.6 | 81.8 | 87.1 |
| Deposits - Net | 118.9 | 107.1 | 114.7 | 105.2 | 79.3 |
| Loans - Net - Total | 62.1 | 56.1 | 81.6 | 81.8 | 87.1 |
| Tangible Book Value & Reserves for Loan Losses - Total | — | — | — | — | — |
Every line the company reported, in the original order and wording, without regrouping or signs changed.