Last close · 16 Oct 2026
Rs 13.48 +1.43%
Annual · FY2006 – FY2025
Samba Bank Limited (SBL) income statement
Samba Bank Limited reported total income of Rs 7.7 bn for FY2025 (Jan – Dec 2025), down 14.8% on FY2024. Net interest income was Rs 5.7 bn, down 23.5% on FY2024, with non-interest income of Rs 2.0 bn. Tax of Rs 828.6 mn took 53.3% of pre-tax profit. Profit attributable to shareholders was Rs 727.2 mn, up 4.0% on FY2024, or Rs 0.72 per share.
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | |||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & dividend income | 22.2 | 28.8 | 28.8 | 22.6 | 14.0 | |||||||||||||||
| Interest expense | (16.5) | (21.4) | (20.6) | (17.8) | (9.7) | |||||||||||||||
| Net interest income | 5.7 | 7.4 | 8.2 | 4.8 | 4.4 | |||||||||||||||
| Fee & commission income (net) | 0.4 | 0.4 | 0.4 | 0.4 | 0.5 | |||||||||||||||
| Foreign exchange income | 0.8 | 1.0 | 1.1 | 1.1 | 0.4 | |||||||||||||||
| Gain / (loss) on securities | — | — | — | — | — | |||||||||||||||
| Total non-interest income | 2.0 | 1.6 | 1.1 | 0.2 | 1.4 | |||||||||||||||
| Total income | 7.7 | 9.0 | 9.3 | 5.0 | 5.7 | |||||||||||||||
| Operating expenses | (6.2) | (7.1) | (7.0) | (5.9) | (4.5) | |||||||||||||||
| Provisions & impairment (loans) | 0.6 | 1.8 | 2.2 | — | 1.1 | |||||||||||||||
| Profit before tax | 1.6 | 1.5 | 2.2 | (0.9) | 1.3 | |||||||||||||||
| Taxation | (0.8) | (0.9) | (1.0) | 0.5 | (0.5) | |||||||||||||||
| Profit after tax | 0.7 | 0.7 | 1.2 | (0.4) | 0.8 | |||||||||||||||
| Profit attributable to shareholders | 0.7 | 0.7 | 1.2 | (0.4) | 0.8 | |||||||||||||||
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) Rs | 0.72 | 0.69 | 1.23 | (0.42) | 0.78 | |||||||||||||||
| EPS – diluted (Rs) Rs | 0.72 | 0.69 | 1.23 | (0.42) | 0.78 | |||||||||||||||
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.60 | |||||||||||||||
| Weighted average shares mn | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | |||||||||||||||
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | |||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & dividend income | -23.0% | +0.1% | +27.3% | +60.9% | +3.2% | |||||||||||||||
| Interest expense | -22.8% | +3.8% | +15.7% | +84.1% | -2.0% | |||||||||||||||
| Net interest income | -23.5% | -9.4% | +70.5% | +9.5% | +16.8% | |||||||||||||||
| Fee & commission income (net) | +12.9% | -3.8% | -7.7% | -11.2% | +51.8% | |||||||||||||||
| Foreign exchange income | -22.8% | -11.7% | +8.8% | +165.4% | -21.4% | |||||||||||||||
| Gain / (loss) on securities | — | — | — | — | — | |||||||||||||||
| Total non-interest income | +26.0% | +41.3% | +529.6% | -87.0% | +6.8% | |||||||||||||||
| Total income | -14.8% | -3.3% | +87.0% | -13.6% | +14.2% | |||||||||||||||
| Operating expenses | -13.3% | +1.0% | +19.2% | +29.8% | +38.3% | |||||||||||||||
| Provisions & impairment (loans) | -63.5% | -20.5% | — | — | +331.0% | |||||||||||||||
| Profit before tax | +0.4% | -29.3% | — | -171.0% | -21.8% | |||||||||||||||
| Taxation | -2.6% | -11.2% | — | -196.7% | -21.5% | |||||||||||||||
| Profit after tax | +4.0% | -43.4% | — | -154.2% | -22.0% | |||||||||||||||
| Profit attributable to shareholders | +4.0% | -43.4% | — | -154.2% | -22.0% | |||||||||||||||
| Per share | ||||||||||||||||||||
| EPS – basic (Rs) | +4.0% | -43.4% | — | -154.2% | -22.0% | |||||||||||||||
| EPS – diluted (Rs) | +4.0% | -43.4% | — | -154.2% | -22.0% | |||||||||||||||
| Dividend per share (Rs) | — | — | — | -100.0% | -20.0% | |||||||||||||||
| Weighted average shares | — | — | — | — | — | |||||||||||||||
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 |
|---|---|---|---|---|---|
| Interest & dividend income | 289.7% | 320.5% | 309.8% | 455.1% | 244.5% |
| Interest expense | (215.8%) | (238.2%) | (221.9%) | (358.7%) | (168.4%) |
| Net interest income | 73.9% | 82.3% | 87.9% | 96.4% | 76.1% |
| Fee & commission income (net) | 5.4% | 4.1% | 4.1% | 8.3% | 8.1% |
| Foreign exchange income | 10.2% | 11.2% | 12.3% | 21.2% | 6.9% |
| Gain / (loss) on securities | — | — | — | — | — |
| Total non-interest income | 26.1% | 17.7% | 12.1% | 3.6% | 23.9% |
| Total income | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Operating expenses | (80.4%) | (79.1%) | (75.7%) | (118.8%) | (79.0%) |
| Provisions & impairment (loans) | 8.4% | 19.6% | 23.8% | — | 19.9% |
| Profit before tax | 20.3% | 17.3% | 23.6% | (18.6%) | 22.7% |
| Taxation | (10.8%) | (9.5%) | (10.3%) | 10.0% | (9.0%) |
| Profit after tax | 9.5% | 7.8% | 13.3% | (8.6%) | 13.7% |
| Profit attributable to shareholders | 9.5% | 7.8% | 13.3% | (8.6%) | 13.7% |
Each line as a percentage of total income.
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 139
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 |
|---|---|---|---|---|---|
| Interest & Dividend Income/(Expense) - Net - Finance | 5.7 | 7.4 | 8.2 | 4.8 | 4.4 |
| Interest & Dividend Income - Finance - Total | 22.2 | 28.8 | 28.8 | 22.6 | 14.0 |
| Interest Income - Loans/Deposits | — | — | — | — | — |
| Interest & Fees on Loans & Receivables | — | — | — | — | — |
| Interest Income - Deposits to Other Financial Institutions | — | — | — | — | — |
| Interest & Dividend Income - Other - Finance | 22.2 | 28.8 | 28.8 | 22.6 | 14.0 |
| Interest Income - Collateralized Financing | — | — | — | — | — |
| Interest & Dividend Income - Investment Securities - Finance | — | — | — | — | — |
| Net Commission & Fees Income/Expense - Business Revenue | 0.4 | 0.4 | 0.4 | 0.4 | 0.5 |
| Fees & Commissions Income | 0.4 | 0.4 | 0.4 | 0.4 | 0.5 |
| Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance | — | — | — | — | — |
| Investments & Loans - Business - Gain/(Loss) | 0.8 | 0.2 | (0.4) | (1.3) | 0.5 |
| Interest Expense - Finance - Total | 16.5 | 21.4 | 20.6 | 17.8 | 9.7 |
| Interest Expense - Operational Financing - Business | 16.2 | 21.2 | 20.4 | 17.7 | 9.5 |
| Interest Expense - Deposits | — | — | — | — | — |
| Investment Securities - Business - Gain/(Loss) | — | — | — | — | — |
| Interest Expense - Collateralized Financing | — | — | — | — | — |
| Interest Expenses - Other - Total | — | — | — | — | — |
| Interest Expense - External Financing Business | 0.3 | 0.2 | 0.2 | 0.2 | 0.1 |
| Non-Interest Business Revenue/(Expense) - Net - Total | 2.0 | 1.6 | 1.1 | 0.2 | 1.4 |
| Revenue from Business-Related Activities - Other - Total | — | — | — | — | — |
| Net Foreign Exchange Income/(Expense) - Business Revenue | 0.8 | 1.0 | 1.1 | 1.1 | 0.4 |
| Gain/(Loss) on Sale of Financial Instruments - Other | 0.8 | 0.2 | (0.4) | (1.3) | 0.5 |
| Business-Related Financing Revenue - Other | — | — | — | — | — |
| Trading Investments/Trading Account Income - Gain/(Loss) | — | — | — | — | — |
| Trading Investments - Unrealized Gain/(Loss) | — | — | — | — | — |
| Revenue from Business Activities - Total | 7.7 | 9.0 | 9.3 | 5.0 | 5.7 |
| Selling, General & Administrative Expenses - Total | 5.5 | 5.4 | 4.8 | 4.1 | 3.4 |
| Selling, General & Administrative Expenses - Unclassified | 4.6 | 1.8 | 1.6 | 3.5 | 1.1 |
| Depreciation in Selling, General & Administrative Expenses | 0.7 | 0.5 | 0.5 | 0.4 | 0.4 |
| Amortization of Intangibles in Selling, General & Administrative Expenses | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 |
| Other Operating Expense/(Income) - Net | (0.0) | (0.0) | (0.0) | 1.8 | (0.0) |
| Other Operating Income - Total | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Operating Expenses - Total | 6.2 | 7.1 | 7.0 | 5.9 | 4.5 |
| Provision & Impairment for Loan Losses | 0.6 | 1.8 | 2.2 | — | 1.1 |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 0.0 | 2.8 | 2.5 | 0.0 | 1.9 |
| Selling, General & Administrative Expenses - Other - Total | — | 0.1 | 0.0 | — | 0.1 |
| Advertising Expense | — | 0.1 | 0.0 | — | 0.1 |
| Rental Expense | — | — | — | — | — |
| Operating Profit before Non-Recurring Income/(Expense) | 1.5 | 1.9 | 2.3 | (0.9) | 1.2 |
| Other Operating Expense | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Operating Provisions - Increase/(Decrease) | — | — | 0.0 | 1.8 | — |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Other Non-Operating Income/(Expense) - Total | 0.0 | (0.4) | — | — | — |
| Normalized Pre-tax Profit | 1.5 | 1.5 | 2.3 | (0.9) | 1.2 |
| Non-Recurring Income/Expense - Total | 0.0 | 0.0 | (0.1) | 0.0 | 0.1 |
| Impairment - Tangible & Intangible Fixed Assets | 0.0 | 0.0 | 0.0 | — | 0.0 |
| Impairment - Fixed Assets | 0.0 | 0.0 | 0.0 | — | 0.0 |
| Impairment - Financial Investments | (0.0) | (0.0) | 0.1 | — | (0.1) |
| Early Extinguishment of Lease Related Debts - Gain/(Loss) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Non-Recurring Income/(Expense) - Other - Total | — | — | — | — | — |
| Provision for Income Tax Expense- Unclassified | 0.8 | 0.9 | 1.0 | (0.5) | 0.5 |
| Income before Taxes | 1.6 | 1.5 | 2.2 | (0.9) | 1.3 |
| Income Taxes | 0.8 | 0.9 | 1.0 | (0.5) | 0.5 |
| Income Taxes for the Year - Current | — | — | — | — | — |
| Income Taxes - Deferred | — | — | — | — | — |
| Income Taxes - Other (by Type) | — | — | — | — | — |
| Net Income after Tax | 0.7 | 0.7 | 1.2 | (0.4) | 0.8 |
| Income before Discontinued Operations & Extraordinary Items | 0.7 | 0.7 | 1.2 | (0.4) | 0.8 |
| Net Income before Minority Interest | 0.7 | 0.7 | 1.2 | (0.4) | 0.8 |
| Net Income after Minority Interest | 0.7 | 0.7 | 1.2 | (0.4) | 0.8 |
| Income Available to Common Shares | 0.7 | 0.7 | 1.2 | (0.4) | 0.8 |
| DPS - Common - Gross - Issue - By Period End Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.60 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | 0.7 | 0.7 | 1.2 | (0.4) | 0.8 |
| Income available to Common excluding Extraordinary Items | 0.7 | 0.7 | 1.2 | (0.4) | 0.8 |
| Shares used to calculate Basic EPS - Total mn | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | 0.72 | 0.69 | 1.23 | (0.42) | 0.78 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | 0.72 | 0.69 | 1.23 | (0.42) | 0.78 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | 0.68 | 0.67 | 1.29 | (0.43) | 0.68 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | 0.7 | 0.7 | 1.2 | (0.4) | 0.8 |
| Earnings Allocation Factor - Basic - Issue Specific | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× |
| Shares used to calculate Basic EPS - Issue Specific mn | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | 0.72 | 0.69 | 1.23 | (0.42) | 0.78 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 0.72 | 0.69 | 1.23 | (0.42) | 0.78 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | 0.68 | 0.67 | 1.29 | (0.43) | 0.68 |
| EPS - Basic from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dilution Adjustment | — | — | — | — | — |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | 0.7 | 0.7 | 1.2 | (0.4) | 0.8 |
| Diluted Income available to Common excluding Extraordinary Items | 0.7 | 0.7 | 1.2 | (0.4) | 0.8 |
| Shares used to calculate Diluted EPS - Total mn | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | 0.72 | 0.69 | 1.23 | (0.42) | 0.78 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | 0.72 | 0.69 | 1.23 | (0.42) | 0.78 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | 0.68 | 0.67 | 1.29 | (0.43) | 0.68 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | 0.7 | 0.7 | 1.2 | (0.4) | 0.8 |
| Earnings Allocation Factor - Diluted - Issue Specific | 1.00× | 1.00× | 1.00× | 1.00× | 1.00× |
| Shares used to calculate Diluted EPS - Issue Specific mn | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 | 1,008.2 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | 0.72 | 0.69 | 1.23 | (0.42) | 0.78 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | 0.72 | 0.69 | 1.23 | (0.42) | 0.78 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | 0.68 | 0.67 | 1.29 | (0.43) | 0.68 |
| EPS - Diluted from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.60 | 0.75 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.54 | 0.68 |
| Earnings before Interest & Taxes (EBIT) | 1.5 | 1.9 | 2.3 | (0.9) | 1.2 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 2.4 | 2.5 | 2.9 | (0.4) | 1.6 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments | — | — | — | — | — |
| Depreciation & Amortization - Supplemental | 0.9 | 0.6 | 0.6 | 0.5 | 0.4 |
| Depreciation Expense - Total - Supplemental | 0.7 | 0.5 | 0.5 | 0.4 | 0.4 |
| Depreciation - Financial Lease Right-of-Use Assets - Supplemental | 0.4 | 0.3 | 0.3 | 0.2 | 0.2 |
| Amortization - Total - Supplemental | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 |
| Intangible Amortization - Other - Supplemental | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 |
| Depreciation, Depletion & Amortization - Total | 0.9 | 0.6 | 0.6 | 0.5 | 0.4 |
| Depreciation - Total | 0.7 | 0.5 | 0.5 | 0.4 | 0.4 |
| Amortization of Intangible Assets including Goodwill - Total | — | — | — | — | — |
| Amortization of Intangible Assets excluding Goodwill - Total | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 |
| Labor & Related Expenses - Total | — | 2.8 | 2.5 | — | 1.9 |
| Labor & Related Expenses - Supplemental | — | 2.8 | 2.5 | — | 1.9 |
| Auditor Fees | — | — | — | — | — |
| Audit-Related Fees | — | — | — | — | — |
| Fees - Other | — | — | — | — | — |
| Normalized after Tax Profit | 0.7 | 0.7 | 1.3 | (0.4) | 0.7 |
| Normalized Net Income from Continuing Operations | 0.7 | 0.7 | 1.3 | (0.4) | 0.7 |
| Normalized Net Income - Bottom Line | 0.7 | 0.7 | 1.3 | (0.4) | 0.7 |
| Earnings before Interest & Taxes (EBIT) - Normalized | 1.5 | 1.5 | 2.3 | (0.9) | 1.2 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 2.4 | 2.2 | 2.9 | (0.4) | 1.6 |
| Loan Losses - Net | — | — | — | — | 0.0 |
| Loan Recoveries - Actual | — | — | — | — | 0.0 |
| Loan Losses - Actual | — | — | — | — | 0.0 |
| Interest Expense on Financial Lease Liabilities - Supplemental | 0.3 | 0.2 | 0.2 | 0.2 | 0.1 |
| Rental/Operating Lease Expense | — | — | — | — | — |
| Advertising Expenses - Supplemental | — | 0.1 | 0.0 | — | 0.1 |
| Interest Expense | 16.5 | 21.4 | 20.6 | 17.8 | 9.7 |
| Interest & Dividend Income after Loan Loss Provision - Net - Finance | 5.0 | 5.6 | 5.9 | 4.8 | 3.2 |
| Revenue after Loan Provisions - Net - Finance | 21.5 | 27.0 | 26.6 | — | 12.9 |
| Operating Expenses | 6.2 | 7.1 | 7.0 | 5.9 | 4.5 |
| Foreign Exchange Gain/(Loss) | 0.8 | 1.0 | 1.1 | 1.1 | 0.4 |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 5.5 | 5.4 | 4.8 | 4.1 | 3.4 |
| Investment Gain/(Loss) | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Non-Interest Expense - Bank | 5.5 | 5.7 | 4.9 | — | 3.3 |
| Income before Taxes & Provision for Loan Losses | 2.2 | 3.3 | 4.4 | (0.9) | 2.4 |
| DPS - Common - Gross - Issue - By Payable Date Rs | 0.00 | 0.00 | 0.00 | 0.60 | 0.75 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 0.00 | 0.00 | 0.00 | 0.60 | 0.75 |
| Tax Adjusted Operating Income | 0.7 | 0.7 | 1.2 | — | 0.8 |
| Operating Expenses excluding Non-Cash Charges - Total | 5.3 | 6.5 | 6.4 | 5.4 | 4.1 |
| Revenue Net of Interest Expense Before Loan Loss Provision | 7.7 | 9.0 | 9.3 | 5.0 | 5.7 |
| Income from Earning Assets | 23.0 | 29.8 | 29.9 | 23.6 | 14.4 |
| Income Available to Common Shares before Depreciation & Amortization | 1.6 | 1.3 | 1.9 | 0.1 | 1.2 |
| Commissions and Fees | 0.4 | 0.4 | 0.4 | 0.4 | 0.5 |
| Estimated Tax Rate | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× |
| Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.60 | 0.75 |
Every line the company reported, in the original order and wording, without regrouping or signs changed.