Samba Bank Income Statement

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	21,883	22,112	28,721	28,705	22,545	13,983
Interest Income on Investments	75.55	60.1	69.07	60.62	52.95	66.14
Total Interest Income	21,958	22,172	28,790	28,766	22,598	14,049
Interest Paid on Deposits	16,589	16,518	21,395	20,604	17,811	9,676
Net Interest Income	5,369	5,653	7,395	8,162	4,787	4,372
Net Interest Income Growth (YoY)	-24.39%	-23.55%	-9.40%	70.51%	9.48%	16.81%
Gain (Loss) on Sale of Assets	17	17	1.79	5.41	5.13	3.71
Gain (Loss) on Sale of Investments	849.21	808.1	212.26	-399.97	-1,284	515.15
Other Non-Interest Income	1,147	1,201	1,383	1,538	1,468	859.16
Total Non-Interest Income	2,013	2,026	1,597	1,143	189.83	1,378
Non-Interest Income Growth (YoY)	23.46%	26.83%	39.72%	502.19%	-86.22%	7.02%
Revenues Before Loan Losses	7,382	7,679	8,992	9,305	4,977	5,750
Provision for Loan Losses	281.27	642.09	1,757	2,286	1,845	1,048
Revenue	7,101	7,037	7,235	7,019	3,131	4,703
Revenue Growth (YoY)	3.38%	-2.73%	3.08%	124.14%	-33.41%	0.31%
Salaries and Employee Benefits	30.23	31.06	55	65	8.8	37
Selling, General & Administrative	323.05	323.05	317.14	296.02	318.28	217.71
Other Non-Interest Expense	5,185	5,168	5,333	4,469	3,732	3,170
Total Non-Interest Expense	5,538	5,522	5,705	4,830	4,059	3,424
EBT Excluding Unusual Items	1,563	1,515	1,530	2,189	-927.21	1,278
Asset Writedown	-1.46	-1.46	-0.91	-0.01	-	-1.04
Other Unusual Items	42.42	42.42	20.85	4.63	1.33	26.84
Pretax Income	1,604	1,556	1,550	2,193	-925.89	1,304
Income Tax Expense	850.31	828.57	850.39	958.02	-497.95	515.12
Net Income	753.73	727.25	699.33	1,235	-427.94	788.98
Net Income to Common	753.73	727.25	699.33	1,235	-427.94	788.98
Net Income Growth	48.52%	3.99%	-43.39%	-	-	-22.01%
Basic Shares Outstanding	1,017	1,008	1,008	1,008	1,008	1,008
Diluted Shares Outstanding	1,017	1,008	1,008	1,008	1,008	1,008
EPS (Basic)	0.74	0.72	0.69	1.23	-0.42	0.78
EPS (Diluted)	0.74	0.72	0.69	1.23	-0.42	0.78
EPS Growth	49.92%	3.99%	-43.38%	-	-	-21.98%
Dividend Per Share	-	-	-	-	-	0.600
Dividend Growth	-	-	-	-	-	-20.00%
Effective Tax Rate	53.01%	53.26%	54.87%	43.68%	-	39.50%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.