PSX:SCBPL 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	104,821	159,133	151,851	90,430	46,852	52,222
Interest Income on Investments	140.85	100	50.14	25.93	20.93	-
Total Interest Income	104,962	159,233	151,901	90,456	46,873	52,222
Interest Paid on Deposits	36,175	65,620	57,118	45,828	20,585	24,082
Net Interest Income	68,787	93,613	94,784	44,628	26,289	28,140
Net Interest Income Growth (YoY)	-30.41%	-1.23%	112.39%	69.76%	-6.58%	1.27%
Gain (Loss) on Sale of Assets	72.91	23.43	159.39	104.19	11.16	104.27
Gain (Loss) on Sale of Investments	2,846	4,600	-996.16	2,266	2,055	3,381
Other Non-Interest Income	18,026	18,078	14,126	15,650	8,884	9,282
Total Non-Interest Income	20,945	22,702	13,289	18,020	10,950	12,767
Non-Interest Income Growth (YoY)	-5.57%	70.83%	-26.25%	64.56%	-14.23%	13.14%
Revenues Before Loan Losses	89,732	116,315	108,073	62,648	37,239	40,907
Provision for Loan Losses	-3,792	-5,017	-180.79	-1,335	468.61	4,930
Revenue	93,524	121,332	108,254	63,983	36,770	35,977
Revenue Growth (YoY)	-24.37%	12.08%	69.19%	74.01%	2.21%	-8.07%
Salaries and Employee Benefits	1,306	1,839	1,709	930.83	527.14	509.09
Selling, General & Administrative	22,770	20,550	17,148	12,903	11,591	11,862
Other Non-Interest Expense	6.48	71.04	143.06	11.92	18.99	11.77
Total Non-Interest Expense	24,083	22,460	19,000	13,845	12,137	12,383
EBT Excluding Unusual Items	69,441	98,872	89,254	50,137	24,633	23,594
Asset Writedown	-118.03	-108.7	-18.07	-15.1	-26.12	-10.74
Other Unusual Items	1,856	1,857	-14.42	1.38	154.3	32.97
Pretax Income	71,179	100,620	89,221	50,123	24,762	23,616
Income Tax Expense	35,119	54,553	46,599	30,279	11,034	10,483
Earnings From Continuing Operations	36,060	46,067	42,622	19,844	13,728	13,133
Net Income	36,060	46,067	42,622	19,844	13,728	13,133
Net Income to Common	36,060	46,067	42,622	19,844	13,728	13,133
Net Income Growth	-17.54%	8.08%	114.78%	44.56%	4.53%	-18.01%
Basic Shares Outstanding	3,872	3,872	3,872	3,872	3,872	3,872
Diluted Shares Outstanding	3,872	3,872	3,872	3,872	3,872	3,872
EPS (Basic)	9.31	11.90	11.01	5.13	3.55	3.39
EPS (Diluted)	9.31	11.90	11.01	5.13	3.55	3.39
EPS Growth	-17.54%	8.08%	114.78%	44.56%	4.53%	-18.01%
Dividend Per Share	9.000	9.000	9.000	4.000	3.000	2.750
Dividend Growth	50.00%	-	125.00%	33.33%	9.09%	-8.33%
Effective Tax Rate	49.34%	54.22%	52.23%	60.41%	44.56%	44.39%

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