Samba Bank Income Statement

Financials in millions PKR. Fiscal year is January - December.

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	22,849	28,721	28,705	22,545	13,983	13,575
Interest Income on Investments	68.93	69.07	60.62	52.95	66.14	44.42
Total Interest Income	22,918	28,790	28,766	22,598	14,049	13,619
Interest Paid on Deposits	16,909	21,395	20,604	17,811	9,676	9,876
Net Interest Income	6,009	7,395	8,162	4,787	4,372	3,743
Net Interest Income Growth (YoY)	-26.19%	-9.40%	70.51%	9.48%	16.81%	4.54%
Gain (Loss) on Sale of Assets	16.67	1.79	5.41	5.13	3.71	0.72
Gain (Loss) on Sale of Investments	641.06	212.26	-399.97	-1,284	515.15	478.38
Other Non-Interest Income	1,011	1,383	1,538	1,468	859.16	808.53
Total Non-Interest Income	1,668	1,597	1,143	189.83	1,378	1,288
Non-Interest Income Growth (YoY)	4.34%	39.72%	502.19%	-86.22%	7.02%	64.08%
Revenues Before Loan Losses	7,677	8,992	9,305	4,977	5,750	5,031
Provision for Loan Losses	1,007	1,757	2,286	1,845	1,048	342.98
Revenue	6,671	7,235	7,019	3,131	4,703	4,688
Revenue Growth (YoY)	-7.04%	3.08%	124.14%	-33.41%	0.31%	21.35%
Salaries and Employee Benefits	30.78	55	65	8.8	37	34.12
Selling, General & Administrative	293.14	317.14	296.02	318.28	217.71	192.47
Other Non-Interest Expense	5,323	5,333	4,469	3,732	3,170	2,792
Total Non-Interest Expense	5,647	5,705	4,830	4,059	3,424	3,018
EBT Excluding Unusual Items	1,024	1,530	2,189	-927.21	1,278	1,669
Asset Writedown	-	-0.91	-0.01	-	-1.04	-10.66
Other Unusual Items	45.65	20.85	4.63	1.33	26.84	9.41
Pretax Income	1,069	1,550	2,193	-925.89	1,304	1,668
Income Tax Expense	664.27	850.39	958.02	-497.95	515.12	656.55
Net Income	405.14	699.33	1,235	-427.94	788.98	1,012
Net Income to Common	405.14	699.33	1,235	-427.94	788.98	1,012
Net Income Growth	-56.97%	-43.39%	-	-	-22.01%	47.38%
Basic Shares Outstanding	1,008	1,008	1,008	1,008	1,008	1,008
Diluted Shares Outstanding	1,008	1,008	1,008	1,008	1,008	1,008
EPS (Basic)	0.40	0.69	1.23	-0.42	0.78	1.00
EPS (Diluted)	0.40	0.69	1.23	-0.42	0.78	1.00
EPS Growth	-56.96%	-43.38%	-	-	-21.98%	47.32%
Dividend Per Share	-	-	-	-	0.600	0.750
Dividend Growth	-	-	-	-	-20.00%	-
Effective Tax Rate	62.11%	54.87%	43.68%	-	39.50%	39.36%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.