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	Sep '26 Sep 30, 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	22,605	22,112	28,721	28,705	22,545	13,983
Interest Income on Investments	65.01	60.1	69.07	60.62	52.95	66.14
Total Interest Income	22,670	22,172	28,790	28,766	22,598	14,049
Interest Paid on Deposits	17,914	16,518	21,395	20,604	17,811	9,676
Net Interest Income	4,755	5,653	7,395	8,162	4,787	4,372
Net Interest Income Growth	-20.86%	-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	781.45	808.1	212.26	-399.97	-1,284	515.15
Other Non-Interest Income	1,038	1,201	1,383	1,538	1,468	859.16
Total Non-Interest Income	1,836	2,026	1,597	1,143	189.83	1,378
Non-Interest Income Growth	10.05%	26.83%	39.72%	502.19%	-86.22%	7.02%
Revenues Before Loan Losses	6,591	7,679	8,992	9,305	4,977	5,750
Provision for Loan Losses	-130.6	642.09	1,757	2,286	1,845	1,048
Revenue	6,722	7,037	7,235	7,019	3,131	4,703
Revenue Growth	0.77%	-2.73%	3.08%	124.14%	-33.41%	0.31%
Salaries and Employee Benefits	21.6	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	5,527	5,168	5,333	4,469	3,732	3,170
Total Non-Interest Expense	5,872	5,522	5,705	4,830	4,059	3,424
EBT Excluding Unusual Items	849.91	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	890.87	1,556	1,550	2,193	-925.89	1,304
Income Tax Expense	461.99	828.57	850.39	958.02	-497.95	515.12
Net Income	428.87	727.25	699.33	1,235	-427.94	788.98
Net Income to Common	428.87	727.25	699.33	1,235	-427.94	788.98
Net Income Growth	5.86%	3.99%	-43.39%	-	-	-22.01%
Basic Shares Outstanding	1,022	1,008	1,008	1,008	1,008	1,008
Diluted Shares Outstanding	1,022	1,008	1,008	1,008	1,008	1,008
Shares Change	0.97%	-	-	-	-	-
EPS (Basic)	0.42	0.72	0.69	1.23	-0.42	0.78
EPS (Diluted)	0.42	0.72	0.69	1.23	-0.42	0.78
EPS Growth	4.84%	3.99%	-43.38%	-	-	-21.98%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Dividend Per Share	-	-	-	-	-	0.600
Dividend Growth	-	-	-	-	-	-20.00%
Effective Tax Rate	51.86%	53.26%	54.87%	43.68%	-	39.50%