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Commercial Banks

SNBL Soneri Bank Limited

Latest results: FY2025 · Dec 2025

Last close · 16 Oct 2026

Rs 19.18 +0.84%

Annual · FY2006 – FY2025

Soneri Bank Limited (SNBL) cash flow statement

Operating activities generated Rs 122.9 bn of cash in FY2025 (Jan – Dec 2025), up 70.4% on FY2024. Capital expenditure was Rs 5.3 bn. Dividends paid to shareholders came to Rs 1.9 bn. Overall, cash increased by Rs 15.0 bn.

SNBL cash flow statement (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 FY2020 Jan – Dec 2020 FY2019 Jan – Dec 2019 FY2018 Jan – Dec 2018 FY2017 Jan – Dec 2017 FY2016 Jan – Dec 2016 FY2015 Jan – Dec 2015 FY2014 Jan – Dec 2014 FY2013 Jan – Dec 2013 FY2012 Jan – Dec 2012 FY2011 Jan – Dec 2011 FY2010 Jan – Dec 2010 FY2009 Jan – Dec 2009 FY2008 Jan – Dec 2008 FY2007 Jan – Dec 2007 FY2006 Jan – Dec 2006
Net cash from operating activities 122.9 72.1 72.9 (52.8) 69.0 78.7 40.8 39.0 (5.7) 12.5 33.7 30.4 (10.7) 17.6 11.8 5.6 14.0 (4.2) 0.9 5.8
Capital expenditure (5.3) (4.4) (5.2) (3.1) (1.7) (3.4) (0.8) (0.7) (0.6) (1.0) (0.6) (0.8) (0.7) (0.8) (0.8) (0.6) (0.6) (0.7) (0.4) (0.4)
Net cash from investing activities (103.8) (62.2) (54.7) 45.4 (64.8) (79.4) (30.6) (35.5) 8.4 (10.5) (33.3) (27.6) 11.9 (14.1) (11.3) (6.0) (15.6) 3.6 (2.9) (0.8)
Dividends paid (1.9) (4.6) (1.1) (1.6) (1.4) (1.1) (1.1) (0.8) (1.4) (1.4) (1.1) 0.0 — — — — — — 0.0 (0.2)
Net cash from financing activities (4.1) (6.5) (2.4) (1.7) (1.4) (1.1) (1.1) 3.2 (1.4) (1.4) 1.9 0.0 (0.3) (0.6) 0.7 1.0 (0.0) (0.0) (0.0) 0.4
Net change in cash 15.0 3.5 15.8 (9.0) 2.8 (1.8) 9.0 6.6 1.3 0.6 2.2 2.8 0.9 2.9 1.2 0.7 (1.6) (0.7) (1.9) 5.3
SNBL cash flow statement — 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 FY2020 Jan – Dec 2020 FY2019 Jan – Dec 2019 FY2018 Jan – Dec 2018 FY2017 Jan – Dec 2017 FY2016 Jan – Dec 2016 FY2015 Jan – Dec 2015 FY2014 Jan – Dec 2014 FY2013 Jan – Dec 2013 FY2012 Jan – Dec 2012 FY2011 Jan – Dec 2011 FY2010 Jan – Dec 2010 FY2009 Jan – Dec 2009 FY2008 Jan – Dec 2008 FY2007 Jan – Dec 2007 FY2006 Jan – Dec 2006
Net cash from operating activities +70.4% -1.0% — -176.5% -12.4% +93.1% +4.7% — -145.7% -63.0% +10.8% — -161.0% +49.0% +108.8% -59.7% — -557.9% -84.0% —
Capital expenditure +21.3% -14.6% +65.2% +83.7% -49.9% +299.5% +14.9% +19.7% -38.6% +64.5% -27.4% +12.4% -10.4% +5.4% +25.6% +3.0% -10.1% +61.9% +16.9% —
Net cash from investing activities — — -220.3% — — — — -521.7% — — — -331.4% — — — — -535.4% — — —
Dividends paid -58.6% +321.4% -33.3% +19.2% +25.0% 0.0% +33.3% -40.0% 0.0% +25.0% — — — — — — — — -100.0% —
Net cash from financing activities — — — — — — -134.8% — — -172.7% — — — -185.3% -30.1% — — — -100.1% —
Net change in cash +335.5% -78.2% — -427.0% — -119.5% +36.8% +392.5% +117.4% -72.5% -21.0% +219.4% -69.4% +143.9% +75.0% — — — -136.3% —

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. Updated 15 Oct 2026.

All reported line items 54
SNBL cash flow statement — 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 FY2020 Jan – Dec 2020 FY2019 Jan – Dec 2019 FY2018 Jan – Dec 2018 FY2017 Jan – Dec 2017 FY2016 Jan – Dec 2016
Profit/(Loss) - Starting Line - Cash Flow 11.6 12.6 12.4 4.6 5.1 4.0 3.2 2.9 2.8 3.1
Non-cash Items & Reconciliation Adjustments - Cash Flow (23.4) (21.1) 4.3 1.8 1.3 2.5 0.3 0.3 0.6 0.6
Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile (26.9) (24.1) 2.1 (0.1) 0.1 1.7 (0.8) (0.4) (0.1) (0.2)
Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile 3.3 2.8 2.2 1.9 1.7 1.4 1.1 0.7 0.8 0.8
Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile 3.1 2.7 2.0 1.7 1.5 1.2 0.9 0.6 0.6 0.7
Amortization - Intangible Assets & Deferred Charges - Cash Flow - to Reconcile 0.2 0.2 0.2 0.3 0.2 0.2 0.1 0.1 0.1 0.1
Impairment - Property, Plant & Equipment including Intangible Assets - Cash Flow - to Reconcile — — — — — — — — — 0.0
Impairment - Financial Fixed Assets - Operating - Cash Flow - to Reconcile — — (0.0) (0.0) (0.1) (0.6) 0.0 — — (0.0)
Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile (0.1) (0.0) (0.0) (0.0) (0.3) (0.0) (0.0) (0.0) (0.0) (0.0)
Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow (0.1) (0.0) (0.0) (0.0) (0.3) (0.0) (0.0) (0.0) (0.0) (0.0)
Financial Assets - Unrealized Gain/(Loss) - Cash Flow - to Reconcile 0.2 0.2 0.0 0.0 (0.0) (0.0) (0.0) (0.0) (0.0) 0.0
Income Taxes - Paid/(Reimbursed) - Cash Flow 8.5 10.2 5.5 2.3 2.3 1.7 1.1 1.0 1.5 1.8
Interest Paid - Cash 56.9 89.4 — — — — — — — —
Interest & Dividends - Received - Total - Cash Flow 85.7 116.4 0.2 0.4 0.2 0.1 0.3 0.3 0.2 0.2
Cash Flow from Operating Activities before Changes in Working Capital 8.5 8.4 11.3 4.4 4.5 5.0 2.8 2.5 2.2 2.1
Working Capital - Increase/(Decrease) - Cash Flow 114.5 63.8 61.6 (57.2) 64.5 73.7 38.0 36.4 (7.9) 10.4
Other Assets - Decrease/(Increase) - Cash Flow (4.7) 47.9 (62.2) (3.3) 0.2 (0.7) (3.3) (1.9) (0.5) 1.1
Lending & Deposits - Due from Banks - Long-Term - Decrease/(Increase) - Cash Flow (22.0) (8.6) 52.3 (30.2) (13.2) (7.8) 2.7 2.6 (1.0) (2.4)
Investment Securities - Decrease/(Increase) - Operating - Cash Flow 10.3 (11.9) (0.0) 19.6 (17.7) 3.8 1.5 3.3 (10.5) —
Loans - Customer - Decrease/(Increase) - Cash Flow 27.9 (39.5) 1.1 (42.7) (0.9) 39.6 (17.9) (22.2) (39.1) (13.4)
Other Liabilities - Increase/(Decrease) -Total - Cash Flow 3.3 10.1 9.6 2.4 1.6 4.1 1.3 2.2 0.3 1.2
Deposits - Increase/(Decrease) - Total - Cash Flow 146.0 25.3 108.2 6.6 57.5 43.4 39.7 35.1 17.4 25.1
Collateralized Agreements, Reverse REPOs & Securities Borrowed (Liabilities) - Increase/(Decrease) - Cash Flow (46.3) 40.5 (47.5) (9.6) 36.9 (8.6) 13.9 17.4 25.5 (1.1)
Net Cash Flow from Operating Activities 122.9 72.1 72.9 (52.8) 69.0 78.7 40.8 39.0 (5.7) 12.5
Capital Expenditures - Net - Cash Flow 5.3 4.2 5.1 3.1 0.5 3.4 0.8 0.7 0.6 1.0
Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow 5.3 4.2 5.1 3.1 0.5 3.4 0.8 0.7 0.6 1.0
Property, Plant & Equipment - Purchased - Cash Flow 5.3 4.4 5.2 3.1 1.7 3.4 0.8 0.7 0.6 1.0
Property, Plant & Equipment Sold - Cash Flow 0.1 0.2 0.0 0.0 1.2 0.0 0.0 0.0 0.0 0.1
Capital Expenditures - Total 5.3 4.4 5.2 3.1 1.7 3.4 0.8 0.7 0.6 1.0
Investments excluding Loans - Decrease/(Increase) - Cash Flow (98.5) (58.0) (49.5) 48.5 (64.3) (76.0) (29.8) (34.8) 9.0 (9.5)
Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow (98.5) (58.0) (49.5) 48.5 (64.3) (76.0) (29.8) (34.8) 9.0 (9.5)
Net Cash Flow from Investing Activities (103.8) (62.2) (54.7) 45.4 (64.8) (79.4) (30.6) (35.5) 8.4 (10.5)
Dividends Paid - Cash - Total - Cash Flow 1.9 4.6 1.1 1.6 1.4 1.1 1.1 0.8 1.4 1.4
Dividends - Common - Cash Paid 1.9 4.6 1.1 1.6 1.4 1.1 1.1 0.8 1.4 1.4
Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow (2.2) (1.8) (1.3) (0.0) (0.0) (0.0) (0.0) 4.0 (0.0) (0.0)
Debt - Issued/Reduced - Long-Term - Cash Flow (2.2) (1.8) (1.3) (0.0) (0.0) (0.0) (0.0) 4.0 (0.0) (0.0)
Lease liabilities - Issued/(Reduced) - Cash Flow (2.2) (1.8) (1.3) (1.0) — — — — — —
Debt - Issued - Long-Term - Cash Flow — — — 1.0 — — — — — —
Debt - Reduced - Long-Term - Cash Flow 2.2 1.8 1.3 1.0 0.0 0.0 — — — —
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 2.2 1.8 1.3 1.0 — — — — — —
Net Cash Flow from Financing Activities (4.1) (6.5) (2.4) (1.7) (1.4) (1.1) (1.1) 3.2 (1.4) (1.4)
Non-Classified Cash Flows 0.0 (0.0) — — — — — — — —
Net Change in Cash - Total 15.0 3.5 15.8 (9.0) 2.8 (1.8) 9.0 6.6 1.3 0.6
Net Cash from Continuing Operations 15.0 3.5 15.8 (9.0) 2.8 (1.8) 9.0 6.6 1.3 0.6
Net Cash - Beginning Balance 47.2 43.7 27.9 36.9 34.2 35.9 26.9 20.3 19.0 18.3
Net Cash - Ending Balance 62.2 47.2 43.7 27.9 36.9 34.2 35.9 26.9 20.3 19.0
Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental 8.5 10.2 5.5 2.3 2.3 1.7 1.1 1.0 1.5 1.8
Interest Paid - Cash Flow - Supplemental 56.9 89.4 — — — — — — — —
Interest & Dividends - Received - Cash Flow - Supplemental 85.7 116.4 0.2 0.4 0.2 0.1 0.3 0.3 0.2 0.2
CF from Optg Activities before Change in WC & Int Payments 65.3 97.7 11.3 4.4 4.5 5.0 2.8 2.5 2.2 2.1
Depreciation, Depletion & Amortization - Cash Flow 3.3 2.8 2.2 1.9 1.7 1.4 1.1 0.7 0.8 0.8
Free Cash Flow to Equity 115.5 66.1 66.5 (55.9) 68.4 75.3 39.9 42.2 (6.3) 11.5
Free Cash Flow Net of Dividends 115.7 63.1 66.6 (57.5) 65.9 74.2 38.8 37.4 (7.7) 10.1
Free Cash Flow 117.6 67.7 67.7 (55.9) 67.3 75.3 39.9 38.2 (6.3) 11.5

Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 10 periods; the table above goes back further.