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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) income statement

Soneri Bank Limited reported total income of Rs 35.3 bn for FY2025 (Jan – Dec 2025), up 10.9% on FY2024. Net interest income was Rs 27.2 bn, up 8.5% on FY2024, with non-interest income of Rs 8.1 bn. Tax of Rs 7.0 bn took 60.7% of pre-tax profit. Profit attributable to shareholders was Rs 4.6 bn, down 22.8% on FY2024, or Rs 4.13 per share.

SNBL income 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
Interest & dividend income 84.5 114.2 98.3 63.3 37.5
Interest expense (57.3) (89.1) (75.3) (51.8) (26.2)
Net interest income 27.2 25.1 23.0 11.5 11.3
Fee & commission income (net) 4.9 4.4 3.1 2.4 2.1
Foreign exchange income 1.7 2.1 3.1 2.9 1.2
Gain / (loss) on securities 1.5 0.3 (0.1) (0.5) 0.4
Total non-interest income 8.1 6.8 6.2 4.8 3.6
Total income 35.3 31.8 29.1 16.3 14.9
Operating expenses (23.4) (19.1) (16.7) (11.8) (10.1)
Provisions & impairment (loans) (0.6) (0.4) 1.3 (0.4) (0.1)
Profit before tax 11.6 12.6 12.4 4.6 5.1
Taxation (7.0) (6.7) (6.3) (2.7) (2.3)
Profit after tax 4.6 5.9 6.1 1.9 2.9
Profit attributable to shareholders 4.6 5.9 6.1 1.9 2.9
Per share
EPS – basic (Rs) Rs 4.13 5.35 5.51 1.71 2.59
EPS – diluted (Rs) Rs 4.13 5.35 5.51 1.71 2.59
Dividend per share (Rs) Rs 1.50 3.00 3.00 1.00 1.50
Weighted average shares mn 1,102.5 1,102.5 1,102.5 1,102.5 1,102.5
SNBL income 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
Interest & dividend income -26.0% +16.2% +55.1% +69.0% -11.5%
Interest expense -35.7% +18.4% +45.3% +97.7% -17.0%
Net interest income +8.5% +9.1% +99.0% +2.3% +4.6%
Fee & commission income (net) +12.9% +40.7% +26.9% +16.8% +17.5%
Foreign exchange income -17.5% -33.6% +7.7% +149.0% +12.0%
Gain / (loss) on securities +331.4% — — -246.4% -55.5%
Total non-interest income +19.9% +9.9% +28.3% +32.7% -0.7%
Total income +10.9% +9.2% +78.2% +9.7% +3.3%
Operating expenses +22.6% +14.1% +41.6% +17.5% +4.6%
Provisions & impairment (loans) — -129.9% — — -118.5%
Profit before tax -8.2% +2.3% +171.3% -11.6% +27.6%
Taxation +4.6% +7.2% +135.2% +16.4% +40.4%
Profit after tax -22.8% -2.9% +222.6% -34.0% +18.9%
Profit attributable to shareholders -22.8% -2.9% +222.6% -34.0% +18.9%
Per share
EPS – basic (Rs) -22.8% -2.9% +222.6% -34.0% +18.9%
EPS – diluted (Rs) -22.8% -2.9% +222.6% -34.0% +18.9%
Dividend per share (Rs) -50.0% 0.0% +200.0% -33.3% +20.0%
Weighted average shares — — — — —

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

SNBL income statement — 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
Interest & dividend income 239.4% 358.8% 337.2% 387.4% 251.5%
Interest expense (162.4%) (280.0%) (258.3%) (316.8%) (175.7%)
Net interest income 77.0% 78.7% 78.9% 70.6% 75.7%
Fee & commission income (net) 13.9% 13.7% 10.6% 14.9% 14.0%
Foreign exchange income 4.8% 6.5% 10.7% 17.7% 7.8%
Gain / (loss) on securities 4.2% 1.1% (0.2%) (3.3%) 2.4%
Total non-interest income 23.0% 21.3% 21.1% 29.4% 24.3%
Total income 100.0% 100.0% 100.0% 100.0% 100.0%
Operating expenses (66.3%) (60.0%) (57.4%) (72.3%) (67.4%)
Provisions & impairment (loans) (1.8%) (1.2%) 4.4% (2.4%) (0.9%)
Profit before tax 32.9% 39.7% 42.4% 27.9% 34.5%
Taxation (20.0%) (21.2%) (21.6%) (16.3%) (15.4%)
Profit after tax 12.9% 18.5% 20.8% 11.5% 19.1%
Profit attributable to shareholders 12.9% 18.5% 20.8% 11.5% 19.1%

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 154
SNBL income 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
Interest & Dividend Income/(Expense) - Net - Finance 27.2 25.1 23.0 11.5 11.3
Interest & Dividend Income - Finance - Total 84.5 114.2 98.3 63.3 37.5
Interest Income - Loans/Deposits 23.5 41.7 36.4 25.3 13.9
Interest & Fees on Loans & Receivables 22.8 38.7 34.2 24.1 13.4
Interest Income - Deposits to Other Financial Institutions 0.7 3.1 2.2 1.2 0.5
Interest & Dividend Income - Other - Finance 0.9 0.9 1.2 1.0 1.0
Interest Income - Collateralized Financing — — — — —
Interest & Dividend Income - Investment Securities - Finance 60.1 71.5 60.6 37.0 22.6
Net Commission & Fees Income/Expense - Business Revenue 4.9 4.4 3.1 2.4 2.1
Fees & Commissions Income 4.9 4.4 3.1 2.4 2.1
Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance 60.1 71.5 60.6 37.0 22.6
Interest & Dividend Income - Trading Account Assets - Finance — — — — —
Investments & Loans - Business - Gain/(Loss) 1.5 0.3 (0.1) (0.5) 0.4
Interest Expense - Finance - Total 57.3 89.1 75.3 51.8 26.2
Interest Expense - Operational Financing - Business 42.2 71.9 58.8 35.0 16.7
Interest Expense - Deposits 42.2 71.9 58.8 35.0 16.7
Investment Securities - Business - Gain/(Loss) 1.5 0.3 (0.1) (0.5) 0.4
Interest Expense - Collateralized Financing — — — — —
Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) 1.5 0.3 (0.1) (0.5) 0.4
Interest Expense - External Financing Business 15.1 17.2 16.5 16.8 9.5
Non-Interest Business Revenue/(Expense) - Net - Total 8.1 6.8 6.2 4.8 3.6
Revenue from Business-Related Activities - Other - Total — — — — —
Net Foreign Exchange Income/(Expense) - Business Revenue 1.7 2.1 3.1 2.9 1.2
Trading Investments/Trading Account Income - Gain/(Loss) — — 0.0 0.0 0.0
Trading Investments - Unrealized Gain/(Loss) — — 0.0 0.0 0.0
Investment Securities - Business Unclassified - Gain/(Loss) — — — — —
Net Income/(Expense) from Insurance - Bank 0.0 0.0 0.0 0.0 0.0
Revenue from Business Activities - Total 35.3 31.8 29.1 16.3 14.9
Selling, General & Administrative Expenses - Total 23.9 19.5 15.4 12.2 10.2
Selling, General & Administrative Expenses - Unclassified 10.3 8.9 6.8 5.3 4.0
Depreciation in Selling, General & Administrative Expenses 3.1 2.4 1.8 1.5 1.4
Amortization of Intangibles in Selling, General & Administrative Expenses 0.2 0.2 0.2 0.3 0.2
Other Operating Expense/(Income) - Net 0.2 0.0 0.0 (0.0) 0.0
Other Operating Income - Total 0.0 — — 0.0 0.0
Operating Expenses - Total 23.4 19.1 16.7 11.8 10.1
Provision & Impairment for Loan Losses (0.6) (0.4) 1.3 (0.4) (0.1)
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses 9.7 6.3 4.9 3.9 3.4
Selling, General & Administrative Expenses - Other - Total 0.5 1.7 1.7 1.3 1.2
Advertising Expense 0.2 0.1 0.5 0.3 0.2
Rental Expense 0.3 1.6 1.2 1.0 1.0
Operating Profit before Non-Recurring Income/(Expense) 11.9 12.7 12.4 4.5 4.9
Other Operating Expense 0.4 — — 0.0 0.0
Operating Provisions - Increase/(Decrease) (0.1) — — 0.0 0.0
Sale of Tangible & Intangible Fixed Assets - Gain/Loss 0.1 0.0 0.0 0.0 0.3
Other Non-Operating Income/(Expense) - Total — — — — —
Normalized Pre-tax Profit 11.9 12.8 12.4 4.6 5.2
Non-Recurring Income/Expense - Total (0.3) (0.1) (0.1) (0.0) (0.0)
Impairment - Tangible & Intangible Fixed Assets 0.0 0.0 0.0 0.0 0.0
Impairment - Fixed Assets 0.0 0.0 0.0 0.0 0.0
Impairment - Financial Investments 0.1 (0.1) 0.1 (0.0) (0.0)
Restructuring Charges — — 0.0 0.0 0.0
Early Extinguishment of Lease Related Debts - Gain/(Loss) 0.0 — 0.0 0.0 —
Fair Value Adjustments - Financial Investments (0.2) (0.2) — — —
Income before Taxes 11.6 12.6 12.4 4.6 5.1
Income Taxes 7.0 6.7 6.3 2.7 2.3
Income Taxes for the Year - Current 6.1 6.6 6.2 2.4 2.4
Income Taxes - Deferred (0.8) 0.1 0.1 (0.1) (0.1)
Income Taxes - Other (by Type) 1.7 — 0.0 0.4 0.0
Debt Restructuring - Gain/(Loss) 0.0 0.0 — — —
Net Income after Tax 4.6 5.9 6.1 1.9 2.9
Income before Discontinued Operations & Extraordinary Items 4.6 5.9 6.1 1.9 2.9
Net Income before Minority Interest 4.6 5.9 6.1 1.9 2.9
Net Income after Minority Interest 4.6 5.9 6.1 1.9 2.9
Income Available to Common Shares 4.6 5.9 6.1 1.9 2.9
Other Comprehensive Income - Starting Line — — — — —
Other Comprehensive Income - Unrealized Investment Gain/(Loss) — — — — —
Other Comprehensive Income - Revaluation of Tangible & Intangible Assets — — — — —
Other Comprehensive Income - Pension Related — — — — —
Other Comprehensive Income - Net of Tax - Total — — — — —
Comprehensive Income before Minority Interest - Total — — — — —
Comprehensive Income - Attributable to Parent Company Equity Holders - Total — — — — —
DPS - Common - Gross - Issue - By Period End Date Rs 1.50 3.00 3.00 1.00 1.50
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 4.6 5.9 6.1 1.9 2.9
Income available to Common excluding Extraordinary Items 4.6 5.9 6.1 1.9 2.9
Shares used to calculate Basic EPS - Total mn 1,102.5 1,102.5 1,102.5 1,102.5 1,102.5
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 4.13 5.35 5.51 1.71 2.59
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 4.13 5.35 5.51 1.71 2.59
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 4.44 5.49 5.59 1.71 2.59
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 4.6 5.9 6.1 1.9 2.9
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 1,102.5 1,102.5 1,102.5 1,102.5 1,102.5
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 4.13 5.35 5.51 1.71 2.59
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 4.13 5.35 5.51 1.71 2.59
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 4.44 5.49 5.59 1.71 2.59
EPS - Basic from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00
Comprehensive Earnings Per Share - Basic - Issue Specific Rs — — — — —
Dilution Adjustment — — — — —
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 4.6 5.9 6.1 1.9 2.9
Diluted Income available to Common excluding Extraordinary Items 4.6 5.9 6.1 1.9 2.9
Shares used to calculate Diluted EPS - Total mn 1,102.5 1,102.5 1,102.5 1,102.5 1,102.5
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 4.13 5.35 5.51 1.71 2.59
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 4.13 5.35 5.51 1.71 2.59
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 4.44 5.49 5.59 1.71 2.59
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 4.6 5.9 6.1 1.9 2.9
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 1,102.5 1,102.5 1,102.5 1,102.5 1,102.5
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 4.13 5.35 5.51 1.71 2.59
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 4.13 5.35 5.51 1.71 2.59
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 4.44 5.49 5.59 1.71 2.59
EPS - Diluted from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00
Comprehensive Earnings Per Share - Diluted - Issue Specific Rs — — — — —
DPS - Common - Gross - Issue - By Announcement Date Rs 1.75 4.25 1.00 1.50 1.25
DPS - Common - Net - Issue - By Announcement Date Rs 1.58 3.83 0.90 1.35 1.13
Earnings before Interest & Taxes (EBIT) 11.9 12.7 12.4 4.5 4.9
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 15.2 15.6 14.7 6.5 6.6
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments 15.6 17.2 15.9 7.5 7.5
Depreciation & Amortization - Supplemental 3.3 2.5 2.0 1.8 1.6
Depreciation Expense - Total - Supplemental 3.1 2.4 1.8 1.5 1.4
Depreciation - Financial Lease Right-of-Use Assets - Supplemental 1.3 1.0 0.9 0.8 0.7
Amortization - Total - Supplemental 0.2 0.2 0.2 0.3 0.2
Intangible Amortization - Other - Supplemental 0.2 0.2 0.2 0.3 0.2
Amortization of Computer Software - Supplemental 0.2 0.2 0.2 0.3 0.2
Amortization of Brands, Patents, Trademarks, Marketing & Artistic Intangibles - Supplemental — — 0.0 0.0 0.0
Depreciation, Depletion & Amortization - Total 3.3 2.8 2.2 1.9 1.7
Depreciation - Total 3.1 2.7 2.0 1.7 1.5
Amortization of Intangible Assets including Goodwill - Total — — — — —
Amortization of Intangible Assets excluding Goodwill - Total 0.2 0.2 0.2 0.3 0.2
Labor & Related Expenses - Total 9.7 6.3 4.9 3.9 3.4
Labor & Related Expenses - Supplemental 9.7 6.3 4.9 3.9 3.4
Auditor Fees — — 0.0 0.0 0.0
Audit-Related Fees — — 0.0 0.0 0.0
Tax Fees — — — — —
Fees - Other — — 0.0 0.0 0.0
Normalized after Tax Profit 4.9 6.1 6.2 1.9 2.9
Normalized Net Income from Continuing Operations 4.9 6.1 6.2 1.9 2.9
Normalized Net Income - Bottom Line 4.9 6.1 6.2 1.9 2.9
Earnings before Interest & Taxes (EBIT) - Normalized 11.9 12.8 12.4 4.6 5.2
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 15.3 15.6 14.7 6.5 6.9
Loan Losses - Net — — — — —
Loan Recoveries - Actual — — — — —
Loan Losses - Actual — — 0.2 0.2 0.1
Interest Expense on Financial Lease Liabilities - Supplemental 1.3 0.9 0.6 0.4 0.4
Rental/Operating Lease Expense 0.3 1.6 1.2 1.0 1.0
Advertising Expenses - Supplemental 0.2 0.1 0.5 0.3 0.2
Interest Expense 57.3 89.1 75.3 51.8 26.2
Interest & Dividend Income after Loan Loss Provision - Net - Finance 27.8 25.4 21.7 11.9 11.4
Commissions & Fees from Securities Activities 1.8 1.8 1.3 0.9 0.8
Revenue after Loan Provisions - Net - Finance 85.1 114.6 97.0 63.7 37.6
Operating Expenses 23.4 19.1 16.7 11.8 10.1
Foreign Exchange Gain/(Loss) 1.7 2.1 3.1 2.9 1.2
Selling, General & Administrative Expenses excluding Research & Development Expenses 23.9 19.5 15.4 12.2 10.2
Investment Gain/(Loss) 1.6 0.5 0.2 (0.3) 0.7
Non-Interest Expense - Bank 24.3 19.6 15.5 12.2 9.9
Income before Taxes & Provision for Loan Losses 11.0 12.3 13.6 4.2 5.0
DPS - Common - Gross - Issue - By Payable Date Rs 1.75 4.25 1.00 1.50 1.25
DPS - Common - Gross - Issue - By Ex Date Rs 1.75 4.25 1.00 1.50 1.25
Tax Adjusted Operating Income 4.6 5.9 6.1 1.9 2.9
Operating Expenses excluding Non-Cash Charges - Total 20.1 16.3 14.5 9.9 8.4
Revenue Net of Interest Expense Before Loan Loss Provision 35.3 31.8 29.1 16.3 14.9
Income from Earning Assets 87.7 116.6 101.3 65.7 39.0
Income Available to Common Shares before Depreciation & Amortization 7.9 8.7 8.3 3.8 4.6
Commissions and Fees 4.9 4.4 3.1 2.4 2.1
Estimated Tax Rate 0.29× 0.29× 0.29× 0.29× 0.29×
Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs 1.75 4.25 1.00 1.50 1.25

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