Last close · 16 Oct 2026
Rs 59.99 -0.02%
Annual · FY2006 – FY2025
Standard Chartered Bank (Pak) Ltd (SCBPL) cash flow statement
Operating activities generated Rs 15.3 bn of cash in FY2025 (Jan – Dec 2025), down 70.8% on FY2024. Capital expenditure was Rs 1.3 bn. Dividends paid to shareholders came to Rs 42.5 bn. Overall, cash increased by Rs 6.6 bn.
| Rs bn | FY2025 * Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 * Jan – Dec 2023 | FY2022 * Jan – Dec 2022 | FY2021 * Jan – Dec 2021 |
|---|---|---|---|---|---|
| Net cash from operating activities | 15.3 | 52.4 | (225.3) | 100.2 | 90.6 |
| Capital expenditure | (1.3) | (1.6) | (1.0) | (1.4) | (0.6) |
| Net cash from investing activities | 36.5 | 5.9 | 250.3 | (80.0) | (86.1) |
| Dividends paid | (42.5) | (52.1) | (2.3) | (4.9) | (11.4) |
| Net cash from financing activities | (46.7) | (62.7) | 0.2 | (15.5) | (0.2) |
| Net change in cash | 6.6 | (4.9) | 34.9 | 14.4 | 6.4 |
| Rs mn | FY2025 * Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 * Jan – Dec 2023 | FY2022 * Jan – Dec 2022 | FY2021 * Jan – Dec 2021 |
|---|---|---|---|---|---|
| Net cash from operating activities | -70.8% | — | -324.8% | +10.6% | +0.1% |
| Capital expenditure | -19.6% | +65.8% | -33.4% | +119.8% | +31.8% |
| Net cash from investing activities | +518.0% | -97.6% | — | — | — |
| Dividends paid | -18.4% | +2,165.1% | -53.3% | -56.8% | +68.4% |
| Net cash from financing activities | — | -40,355.2% | — | — | — |
| Net change in cash | — | -114.1% | +142.0% | +125.8% | +37.1% |
Change against the previous fiscal year; shown when the earlier figure is positive.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 15 Oct 2026.
All reported line items 60
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 |
|---|---|---|---|---|---|
| Profit/(Loss) - Starting Line - Cash Flow | 58.5 | 100.6 | 89.2 | 50.1 | 24.8 |
| Non-cash Items & Reconciliation Adjustments - Cash Flow | (61.0) | (96.4) | 0.7 | (0.3) | 1.2 |
| Discontinued Operations - Gain/(Loss) - Net of Tax - Cash Flow - to Reconcile | — | — | — | — | — |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | (61.4) | (93.3) | 0.1 | 0.1 | 0.1 |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 1.4 | 1.2 | 0.9 | 0.9 | 1.0 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 1.4 | 1.2 | 0.9 | 0.9 | 1.0 |
| Amortization - Intangible Assets & Deferred Charges - Cash Flow - to Reconcile | — | — | — | 0.0 | 0.0 |
| Loan Loss Provision including Impairment - Increase/(Decrease) - Cash Flow | (1.2) | (4.1) | (0.2) | (1.3) | 0.5 |
| Impairment - Property, Plant & Equipment including Intangible Assets - Cash Flow - to Reconcile | — | — | — | — | — |
| Impairment - Financial Fixed Assets - Operating - Cash Flow - to Reconcile | — | — | — | — | — |
| Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile | (1.1) | (0.0) | (0.2) | (0.1) | (0.0) |
| Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow | (1.1) | (0.0) | (0.2) | (0.1) | (0.0) |
| Financial Assets - Unrealized Gain/(Loss) - Cash Flow - to Reconcile | 1.2 | (0.2) | (0.0) | 0.1 | (0.3) |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 28.7 | 59.0 | 47.8 | 25.7 | 8.2 |
| Interest Paid - Cash | 27.8 | 65.7 | — | — | — |
| Interest & Dividends - Received - Total - Cash Flow | 89.8 | 164.4 | 0.1 | 0.0 | 0.0 |
| Cash Flow from Operating Activities before Changes in Working Capital | 30.8 | 43.9 | 42.2 | 24.1 | 17.9 |
| Working Capital - Increase/(Decrease) - Cash Flow | (15.5) | 8.5 | (267.5) | 76.1 | 72.7 |
| Other Assets - Decrease/(Increase) - Cash Flow | 139.5 | (434.1) | 38.3 | 17.1 | (32.2) |
| Lending & Deposits - Due from Banks - Long-Term - Decrease/(Increase) - Cash Flow | 58.0 | 294.8 | (314.0) | (39.6) | 57.8 |
| Loans - Customer - Decrease/(Increase) - Cash Flow | (41.7) | 49.4 | (3.8) | 19.3 | (56.4) |
| Other Liabilities - Increase/(Decrease) -Total - Cash Flow | 14.3 | (17.8) | 10.8 | (12.4) | 33.3 |
| Deposits - Increase/(Decrease) - Total - Cash Flow | (185.6) | 116.2 | 1.1 | 91.7 | 70.3 |
| Net Cash Flow from Operating Activities | 15.3 | 52.4 | (225.3) | 100.2 | 90.6 |
| Capital Expenditures - Net - Cash Flow | (0.9) | 1.5 | 0.7 | 1.2 | 0.6 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | (0.9) | 1.5 | 0.7 | 1.2 | 0.6 |
| Property, Plant & Equipment - Purchased - Cash Flow | 1.3 | 1.6 | 1.0 | 1.4 | 0.6 |
| Property, Plant & Equipment Sold - Cash Flow | 2.1 | 0.1 | 0.3 | 0.2 | 0.0 |
| Capital Expenditures - Total | 1.3 | 1.6 | 1.0 | 1.4 | 0.6 |
| Acquisition & Disposals of Business - Assets - Sold/(Acquired) - Net - Cash Flow | — | — | — | — | — |
| Acquisition of Business - Cash Flow | — | — | — | — | — |
| Business - Sold - Cash Flow | — | — | — | — | — |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | 35.7 | 7.4 | 251.0 | (78.7) | (85.5) |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | 35.7 | 7.4 | 251.0 | (78.7) | (85.5) |
| Investment Securities - Sold/Matured - Unclassified - Cash Flow | — | — | — | — | — |
| Investment Securities - Purchased - Unclassified - Cash Flow | — | — | — | — | — |
| Net Cash Flow from Investing Activities | 36.5 | 5.9 | 250.3 | (80.0) | (86.1) |
| Dividends Paid - Cash - Total - Cash Flow | 42.5 | 52.1 | 2.3 | 4.9 | 11.4 |
| Dividends - Common - Cash Paid | 42.5 | 52.1 | 2.3 | 4.9 | 11.4 |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | (4.2) | (10.6) | 2.5 | (10.6) | 11.2 |
| Debt - Issued/(Reduced) - Long-Term & Short-Term - Cash Flow | (3.5) | (10.0) | 3.1 | (10.0) | 11.8 |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (0.7) | (0.6) | (0.6) | (0.6) | (0.6) |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (0.7) | (0.6) | (0.6) | (0.6) | (0.6) |
| Debt - Reduced - Long-Term - Cash Flow | 0.7 | 0.6 | 0.6 | 0.6 | 0.6 |
| Lease liabilities - Reduced - Cash flow represents cash outflow due to the repayment of lease liability/debt of the company. It includes finance leases, capitalized lease, and hire-purchase agreement. Applicable to all industries. If Lease liability issue | 0.7 | 0.6 | 0.6 | 0.6 | 0.6 |
| Other Financing Cash Flow - Increase/(Decrease) | — | — | — | — | — |
| Net Cash Flow from Financing Activities | (46.7) | (62.7) | 0.2 | (15.5) | (0.2) |
| Foreign Exchange Effects - Cash Flow | 1.4 | (0.5) | 9.7 | 9.7 | 2.1 |
| Net Change in Cash - Total | 6.6 | (4.9) | 34.9 | 14.4 | 6.4 |
| Net Cash from Continuing Operations | 6.6 | (4.9) | 34.9 | 14.4 | 6.4 |
| Net Cash - Beginning Balance | 93.9 | 100.3 | 64.9 | 60.2 | 63.5 |
| Net Cash - Ending Balance | 100.5 | 95.4 | 99.7 | 74.6 | 69.9 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 28.7 | 59.0 | 47.8 | 25.7 | 8.2 |
| Interest Paid - Cash Flow - Supplemental | 27.8 | 65.7 | — | — | — |
| Interest & Dividends - Received - Cash Flow - Supplemental | 89.8 | 164.4 | 0.1 | 0.0 | 0.0 |
| CF from Optg Activities before Change in WC & Int Payments | 58.6 | 109.6 | 42.2 | 24.1 | 17.9 |
| Depreciation, Depletion & Amortization - Cash Flow | 1.4 | 1.2 | 0.9 | 0.9 | 1.0 |
| Free Cash Flow to Equity | 12.0 | 40.3 | (223.5) | 88.4 | 101.2 |
| Free Cash Flow Net of Dividends | (28.4) | (1.3) | (228.6) | 93.9 | 78.5 |
| Free Cash Flow | 14.1 | 50.8 | (226.3) | 98.8 | 89.9 |
Every line the company reported, in the original order and wording, without regrouping or signs changed.