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Commercial Banks

SNBL Soneri Bank Limited

Latest results: FY2025 · Dec 2025

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Last close · 16 Oct 2026

Rs 19.15 +0.68%

Annual · FY2006 – FY2025

Soneri Bank Limited (SNBL) balance sheet

At the end of FY2025 (Jan – Dec 2025) Soneri Bank Limited had total assets of Rs 852.5 bn, up 15.3% on FY2024. Deposits were Rs 689.1 bn, up 26.9% on FY2024 and net advances Rs 214.3 bn. Investments stood at Rs 479.2 bn. Shareholders' equity was Rs 36.8 bn (Rs 33.37 per share), 4.3% of total assets.

SNBL balance sheet (annual) (Rs bn)
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 62.8 49.3 45.7 29.4 37.6
Lendings to financial institutions 30.6 8.6 52.8 6.1 8.0
Investments 479.2 384.3 311.8 259.0 327.4
Advances (net) 214.3 243.4 205.8 208.4 168.7
Fixed assets 27.1 21.0 17.2 12.6 11.1
Intangible assets 0.5 0.4 0.2 0.3 0.4
Other assets 37.8 32.6 7.8 7.0 8.9
Total assets 852.5 739.5 658.6 579.8 579.5
Liabilities
Deposits 689.1 543.1 517.9 409.6 403.0
Borrowings 96.5 138.5 90.6 135.4 141.9
Total liabilities 815.7 708.7 629.9 558.6 557.9
Equity
Share capital 11.0 11.0 11.0 11.0 11.0
Equity attributable to shareholders 36.8 30.8 28.6 21.1 21.6
Total equity 36.8 30.8 28.6 21.1 21.6
Total liabilities & equity 852.5 739.5 658.6 579.8 579.5
Key figures
Gross advances — — 214.2 215.8 176.6
Provision against advances — — 8.5 7.3 7.9
Advances to deposits (ADR) 0.31× 0.45× 0.40× 0.51× 0.42×
Shares outstanding mn 1,102.5 1,102.5 1,102.5 1,102.5 1,102.5
Common equity 36.8 30.8 28.6 21.1 21.6
Book value per share (Rs) Rs 33.37 27.95 25.95 19.18 19.62
SNBL balance sheet — year-on-year change (Rs mn)
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 +27.5% +7.9% +55.5% -22.0% +9.9%
Lendings to financial institutions +255.9% -83.7% +772.6% -24.7% +92,489.2%
Investments +24.7% +23.3% +20.4% -20.9% +31.0%
Advances (net) -11.9% +18.3% -1.3% +23.6% +1.3%
Fixed assets +29.2% +22.0% +36.5% +13.0% -6.4%
Intangible assets +24.9% +91.4% -37.1% -24.3% +6.0%
Other assets +16.2% +316.6% +11.7% -21.4% +1.9%
Total assets +15.3% +12.3% +13.6% +0.0% +19.4%
Liabilities
Deposits +26.9% +4.9% +26.4% +1.6% +16.7%
Borrowings -30.3% +52.9% -33.1% -4.6% +36.3%
Total liabilities +15.1% +12.5% +12.8% +0.1% +20.7%
Equity
Share capital 0.0% 0.0% 0.0% 0.0% 0.0%
Equity attributable to shareholders +19.4% +7.7% +35.3% -2.3% -6.6%
Total equity +19.4% +7.7% +35.3% -2.3% -6.6%
Total liabilities & equity +15.3% +12.3% +13.6% +0.0% +19.4%
Key figures
Gross advances — — -0.7% +22.2% +1.1%
Provision against advances — — +15.2% -7.6% -2.5%
Advances to deposits (ADR) — — — — —
Shares outstanding — — — — —
Common equity +19.4% +7.7% +35.3% -2.3% -6.6%
Book value per share (Rs) +19.4% +7.7% +35.3% -2.3% -6.6%

Change against the previous fiscal year; shown when the earlier figure is positive.

SNBL balance sheet — common size (Rs mn)
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 7.4% 6.7% 6.9% 5.1% 6.5%
Lendings to financial institutions 3.6% 1.2% 8.0% 1.0% 1.4%
Investments 56.2% 52.0% 47.3% 44.7% 56.5%
Advances (net) 25.1% 32.9% 31.2% 36.0% 29.1%
Fixed assets 3.2% 2.8% 2.6% 2.2% 1.9%
Intangible assets 0.1% 0.1% 0.0% 0.1% 0.1%
Other assets 4.4% 4.4% 1.2% 1.2% 1.5%
Total assets 100.0% 100.0% 100.0% 100.0% 100.0%
Liabilities
Deposits 80.8% 73.4% 78.6% 70.7% 69.6%
Borrowings 11.3% 18.7% 13.8% 23.4% 24.5%
Total liabilities 95.7% 95.8% 95.7% 96.4% 96.3%
Equity
Share capital 1.3% 1.5% 1.7% 1.9% 1.9%
Equity attributable to shareholders 4.3% 4.2% 4.3% 3.6% 3.7%
Total equity 4.3% 4.2% 4.3% 3.6% 3.7%
Total liabilities & equity 100.0% 100.0% 100.0% 100.0% 100.0%
Key figures
Gross advances — — 32.5% 37.2% 30.5%
Provision against advances — — 1.3% 1.3% 1.4%
Common equity 4.3% 4.2% 4.3% 3.6% 3.7%

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 173
SNBL balance sheet — all reported line items (Rs bn)
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 62.8 49.3 45.7 29.4 37.6
Cash & Short-Term Deposits Due from Banks — — 13.6 11.3 9.8
Funds with Central Banks — — 32.1 18.0 27.8
Lending & Long-Term Deposits Due from Banks 30.6 8.6 52.8 6.1 8.0
Inter-Bank Loans & Long-Term Deposits with Other Banks — — — 5.1 2.0
Money Market Placements — — — 1.0 6.0
Collateralized Agreements, Reverse REPOs & Securities Borrowed - Assets — — — 46.3 11.0
Loans & Receivables - Total 214.3 243.4 223.1 219.0 174.9
Securities Purchased under REPOs & Federal Funds Sold — — — 46.3 11.0
Receivables - Other — — 0.0 0.0 0.1
Securities Purchased under REPOs — — — 46.3 11.0
Investment Securities - Available for Sale, Held to Maturity & Held for Trading - Total — — 310.3 258.0 327.4
Derivative Financial Instruments - Hedging - Total — — 0.0 0.1 —
Banking Related Loans – Net 214.3 243.4 205.8 208.4 168.7
Loans - Gross — — 214.2 215.8 176.6
Loans - Consumer & Installment — — 190.0 198.6 155.2
Investment Securities - Other — — — — —
Investment Property — — 1.4 1.0 —
Loans - to Customers - Other - Gross — — 24.2 17.1 21.5
Investments - Other - Total — — — — —
Loans - Foreign — — — — —
Investments - Total 479.2 384.3 311.8 259.0 327.4
Reserves for Loan Losses — — 8.5 7.3 7.9
Investment Securities - Held for Trading — — — — —
Interest Receivables - Bank — — 17.3 10.5 6.1
Investment Securities Available for Sale & Held to Maturity — — 310.3 258.0 327.4
Property, Plant & Equipment - Net - Total 27.1 21.0 17.2 12.6 11.1
Property, Plant & Equipment - Gross - Total — — 24.4 19.0 17.0
Property, Plant & Equipment - Accumulated Depreciation & Impairment - Total — — 7.2 6.4 5.8
Investment Securities - Available for Sale - Total — — 293.6 239.7 294.2
Mortgage Backed Securities - Available for Sale/Held to Maturity — — 2.8 3.0 3.4
Government Securities - Available for Sale/Held to Maturity — — 306.2 252.5 320.9
Other Assets - Total 37.8 32.6 7.8 7.0 8.9
Deferred Tax - Asset - Long-Term & Short-Term — 0.0 0.0 0.9 0.2
Prepaid Expenses - Total — — 0.6 1.2 1.6
Other Assets — 32.6 7.2 5.0 7.2
Intangible Assets - Total - Net 0.5 0.4 0.2 0.3 0.4
Intangible Assets - excluding Goodwill - Net - Total 0.5 0.4 0.2 0.3 0.4
Intangible Assets - Gross - Total — — 1.9 1.8 1.7
Intangible Assets - excluding Goodwill - Gross — — 1.9 1.8 1.7
Intangible Assets - Accumulated Amortization & Impairment - Total — — 1.7 1.5 1.2
Intangible Assets - excluding Goodwill - Accumulated Amortization & Impairment - Total — — 1.7 1.5 1.2
Computer Software - Intangible Assets - Net — — 0.2 0.3 0.4
Brands, Patents, Trademarks, Marketing & Artistic Intangibles - Net — — 0.0 0.0 0.0
Intangible Assets - Other - Net — — — — —
Computer Software - Intangible Assets - Gross — — 1.9 1.8 1.7
Brands, Patents, Trademarks, Marketing & Artistic Intangibles - Gross — — 0.0 0.0 0.0
Intangible Assets - Other - Gross - Total — — — — —
Computer Software - Intangible Assets - Accumulated Amortization & Impairment — — 1.7 1.5 1.2
Brands, Patents, Trademarks, Marketing & Artistic Intangibles - Accumulated Amortization & Impairment — — 0.0 0.0 0.0
Intangible Assets - Other - Accumulated Amortization & Impairment — — — — —
Total Assets 852.5 739.5 658.6 579.8 579.5
Deposits - Total 689.1 543.1 517.9 409.6 403.0
Debt - Total 96.5 138.5 90.6 135.4 141.9
Short-Term Debt & Current Portion of Long-Term Debt 76.1 120.7 72.0 116.1 126.3
Deposits - Customers - Total 573.0 486.2 429.7 352.6 333.5
Deposits - Demand -Customer 182.5 145.7 132.2 115.8 100.6
Deposits - Savings - Customer 372.1 325.6 275.4 220.5 225.8
Deposits - Other - Customer 18.4 14.8 22.0 16.3 7.1
Deposits - Due to Banks & Financial Institutions 116.1 57.0 88.2 57.0 69.6
Deposits - Demand Deposits - Due to Banks & Financial Institutions 5.1 3.1 86.2 52.2 56.1
Deposits - Savings - Due to Banks & Financial Institutions 111.0 53.9 2.0 4.8 13.5
Deposits - Other - Due to Banks & Financial Institutions 0.0 0.0 — — —
Current Portion of Long-Term Debt including Capitalized Leases 9.6 74.9 17.8 19.9 44.5
Capitalized Leases - Current Portion 0.5 1.0 — — —
Short-Term Debt & Notes Payable 66.5 45.9 54.2 96.2 81.7
Debt - Long-Term - Total 20.4 17.8 18.6 19.2 15.6
Short-Term Banking Borrowings excluding Collateralized Financing 52.3 16.8 10.7 8.8 18.3
Collateralized Financing Agreements, REPO Financing Loans - Liabilities 14.2 29.0 43.6 87.4 63.4
Securities Sold under Repurchase Agreements & Federal Funds Purchased 14.2 29.0 43.6 87.4 63.4
Securities Sold under Repurchase Agreements 14.2 29.0 43.6 87.4 63.4
Current Portion of Long-Term Debt excluding Capitalized Leases 9.1 73.9 17.8 19.9 44.5
Capitalized Lease Obligations - Long-Term 9.3 5.4 5.1 4.3 3.4
Long-Term Debt excluding Capitalized Leases 11.1 12.4 13.4 15.0 12.2
Debt - Non-Convertible - Long-Term 11.1 12.4 13.4 15.0 12.2
Dividends Payable — — 0.1 0.1 0.1
Deferred Tax & Investment Tax Credits - Long-Term 4.9 2.1 0.9 0.0 0.0
Deferred Tax - Liability - Long-Term 4.9 2.1 0.9 0.0 0.0
Payables & Accrued Expenses — — 12.4 7.7 5.7
Accrued Expenses — — 2.1 1.3 0.9
Junior Subordinated Debentures & Notes Payable - Trust Account — — 0.0 0.0 0.0
Other Liabilities - Total 25.2 25.0 8.1 5.8 7.1
Other Liabilities - 25.2 25.0 7.8 5.7 7.0
Interest Payable — — 10.4 6.4 4.8
Deferred Revenue/Income — — 0.2 0.2 0.1
Total Liabilities 815.7 708.7 629.9 558.6 557.9
Shareholders' Equity - Attributable to Parent Shareholders - Total 36.8 30.8 28.6 21.1 21.6
Common Equity Attributable to Parent Shareholders 36.8 30.8 28.6 21.1 21.6
Common Equity - Contributed 11.0 11.0 11.0 11.0 11.0
Common Stock - Issued & Paid 11.0 11.0 11.0 11.0 11.0
Equity - Non-Contributed - Reserves & Retained Earnings 25.8 19.8 17.6 10.1 10.6
Retained Earnings - Total 18.2 15.5 15.9 10.9 10.6
Comprehensive Income - Accumulated - Total 7.6 4.3 1.7 (0.8) (0.0)
Other Reserves/Equity - Total — — — — —
Common Equity - Total 36.8 30.8 28.6 21.1 21.6
Common Stock - Additional Paid in Capital including Option Reserve — — — — —
Total Shareholders' Equity - including Minority Interest & Hybrid Debt 36.8 30.8 28.6 21.1 21.6
Total Liabilities & Equity 852.5 739.5 658.6 579.8 579.5
Revaluation Reserves 7.6 4.3 1.7 (0.8) (0.0)
Common Shares - Issued - Total mn 1,102.5 1,102.5 1,102.5 1,102.5 1,102.5
Common Shares - Outstanding - Total mn 1,102.5 1,102.5 1,102.5 1,102.5 1,102.5
Common Shares - Treasury - Total mn 0.0 0.0 0.0 0.0 0.0
Common Shares - Authorized - Issue Specific mn 2,100.0 2,100.0 2,100.0 1,800.0 1,800.0
Common Shares - Issued - Issue Specific mn 1,102.5 1,102.5 1,102.5 1,102.5 1,102.5
Common Shares - Outstanding - Issue Specific mn 1,102.5 1,102.5 1,102.5 1,102.5 1,102.5
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 8.3 5.3 4.2 3.6 3.0
Right of Use Tangible Assets - Capital/Finance Lease - Net - Supplemental 8.3 5.3 4.2 3.6 3.0
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Net - Supplemental 18.8 15.6 12.9 9.0 8.2
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Gross - Supplemental — — 23.8 18.5 16.5
Finance and Operating Lease Liabilities - Total - Supplemental 9.8 6.4 5.1 4.3 3.4
Debt including Finance and Operating Lease Liabilities - Supplemental 96.5 138.5 90.6 135.4 141.9
Net Debt 33.6 89.2 44.9 106.0 104.3
Islamic Financing Assets - Total — — 18.4 12.6 14.8
Islamic Investments - Total — — — — —
Debt - Long-Term - Maturities - Total — — 23.2 26.9 123.9
Debt - Long-Term - Maturities - within 1 Year — — 17.8 19.9 118.7
Debt - Long-Term - Maturities - Year 2 — — 0.0 1.0 0.1
Debt - Long-Term - Maturities - Year 3 — — 0.5 0.0 1.0
Debt - Long-Term - Maturities - Year 5 — — 0.5 0.9 0.8
Debt - Long-Term - Maturities - Year 10 — — 4.4 5.0 2.7
Debt - Long-Term - Maturities - Remaining — — 0.0 0.0 0.6
Debt - Long-Term - Maturities - 2-3 Years — — 0.5 1.0 1.1
Capital Lease Maturities - Total — — — — —
Debt - Long-Term - Maturities - 4-5 Years — — 0.5 0.9 0.8
Capital Lease Maturities - Due within 1 Year — — — — —
Debt - Long-Term - Maturities - Year 6 & Beyond — — 4.4 5.0 3.3
Capital Lease Maturities - Due in Year 3 — — — — —
Capital Lease Maturities - Due in Year 2 — — — — —
Capital Lease Maturities - Due in Year 5 — — — — —
Capital Lease Maturities - Remaining Maturities — — — — —
Capital Lease Maturities - Due in 4-5 Years — — — — —
Capital Lease Maturities - Due in 2-3 Years — — — — —
Capital Lease Maturities - Due in Year 6 & Beyond — — — — —
Asset Accruals — — (12.1) (9.4) (7.4)
Cash & Cash Equivalents - Total 62.8 49.3 45.7 29.4 37.6
Cash & Securities 542.1 433.6 357.4 334.7 376.1
Cash & Short Term Investments - Total 62.8 49.3 45.7 29.4 37.6
Debt - including Preferred Equity & Minority Interest - Total 96.5 138.5 90.6 135.4 141.9
Earning Assets 787.0 685.5 616.0 549.2 552.8
Demand Deposits - Total 187.6 148.8 218.4 168.0 156.6
Invested Assets - Total 479.2 384.3 311.8 259.0 327.4
Investment Securities — — 310.3 258.0 327.4
Net Book Capital 70.4 120.0 73.5 127.2 125.9
Net Operating Assets 70.4 120.0 73.5 127.2 125.9
Provisions - Total 4.9 2.1 0.9 0.0 0.0
Shareholders Equity - Common 36.8 30.8 28.6 21.1 21.6
Savings Deposits - Total 483.1 379.5 277.4 225.3 239.3
Tangible Total Equity 36.3 30.4 28.4 20.8 21.2
Tangible Book Value 36.3 30.4 28.4 20.8 21.2
Total Book Capital 133.3 169.3 119.2 156.5 163.5
Total Capital 133.3 169.3 119.2 156.5 163.5
Total Long Term Capital 36.8 30.8 28.6 21.1 21.6
Trading Account — — — — —
Unearned Revenue - Total — — 0.2 0.2 0.1
Book Value excluding Other Equity 36.8 30.8 28.6 21.1 21.6
Income Taxes - Payable - Long-Term & Short-Term — — — — —
Cash & Short Term Investments - Net of Debt (33.6) (89.2) (44.9) (106.0) (104.3)
Current Portion of Long-Term Debt including Capitalized Leases & Hybrid Financial Instruments 9.6 74.9 17.8 19.9 44.5
Interest Bearing Liabilities - Total 785.6 681.7 608.5 545.0 544.9
Net Debt Including Preferred Equity & Minority Interest 33.6 89.2 44.9 106.0 104.3
Other Short-Term & Long-Term Assets - Total 37.8 32.6 7.8 7.0 8.9
Other Short-Term & Long-Term Liabilities - Total 25.2 25.0 7.8 5.7 7.0
Tangible Book Value excluding Other Equity 36.3 30.4 28.4 20.8 21.2
Total Debt Excluding Islamic 96.5 138.5 90.6 135.4 141.9
Reserves for Loan Losses - Total — — 8.5 7.3 7.9
Total Available Funds 725.9 574.0 546.5 430.8 424.7
Loans - Gross – Total 244.9 252.0 267.0 221.8 184.7
Deposits - Net 573.0 486.2 429.7 352.6 333.5
Loans - Net - Total 244.9 252.0 258.6 214.5 176.7
Tangible Book Value & Reserves for Loan Losses - Total — — 36.9 28.2 29.2
Cash in Hand & with Banks - Total — — 12.1 9.4 7.4

Every line the company reported, in the original order and wording, without regrouping or signs changed.