PSX:SCBPL 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	79,866	88,813	159,133	151,851	90,430	46,852
Interest Income on Investments	140.85	140.85	100	50.14	25.93	20.93
Total Interest Income	80,007	88,953	159,233	151,901	90,456	46,873
Interest Paid on Deposits	22,370	27,350	65,620	57,118	45,828	20,585
Net Interest Income	57,637	61,604	93,613	94,784	44,628	26,289
Net Interest Income Growth (YoY)	-33.30%	-34.19%	-1.23%	112.39%	69.76%	-6.58%
Gain (Loss) on Sale of Assets	1,124	1,124	23.43	159.39	104.19	11.16
Gain (Loss) on Sale of Investments	-449.61	973.67	4,600	-996.16	2,266	2,055
Other Non-Interest Income	15,752	16,852	18,078	14,126	15,650	8,884
Total Non-Interest Income	16,427	18,950	22,702	13,289	18,020	10,950
Non-Interest Income Growth (YoY)	-30.26%	-16.53%	70.83%	-26.25%	64.56%	-14.23%
Revenues Before Loan Losses	74,064	80,553	116,315	108,073	62,648	37,239
Provision for Loan Losses	-2,867	-1,825	-5,017	-180.79	-1,335	468.61
Revenue	76,931	82,378	121,332	108,254	63,983	36,770
Revenue Growth (YoY)	-32.64%	-32.10%	12.08%	69.19%	74.01%	2.21%
Salaries and Employee Benefits	936.15	994.61	1,839	1,709	930.83	527.14
Selling, General & Administrative	22,780	22,863	20,550	17,148	12,903	11,591
Other Non-Interest Expense	13.98	13.98	71.04	143.06	11.92	18.99
Total Non-Interest Expense	23,730	23,872	22,460	19,000	13,845	12,137
EBT Excluding Unusual Items	53,201	58,507	98,872	89,254	50,137	24,633
Asset Writedown	-14.18	-14.18	-108.7	-18.07	-15.1	-26.12
Other Unusual Items	-	-	1,857	-14.42	1.38	154.3
Pretax Income	53,187	58,493	100,620	89,221	50,123	24,762
Income Tax Expense	26,795	29,712	54,553	46,599	30,279	11,034
Earnings From Continuing Operations	26,392	28,781	46,067	42,622	19,844	13,728
Net Income	26,392	28,781	46,067	42,622	19,844	13,728
Net Income to Common	26,392	28,781	46,067	42,622	19,844	13,728
Net Income Growth	-38.36%	-37.52%	8.08%	114.78%	44.56%	4.53%
Basic Shares Outstanding	3,867	3,872	3,872	3,872	3,872	3,872
Diluted Shares Outstanding	3,867	3,872	3,872	3,872	3,872	3,872
EPS (Basic)	6.82	7.43	11.90	11.01	5.13	3.55
EPS (Diluted)	6.82	7.43	11.90	11.01	5.13	3.55
EPS Growth	-38.29%	-37.52%	8.08%	114.78%	44.56%	4.53%
Dividend Per Share	-	6.500	9.000	9.000	4.000	3.000
Dividend Growth	-	-27.78%	-	125.00%	33.33%	9.09%
Effective Tax Rate	50.38%	50.80%	54.22%	52.23%	60.41%	44.56%

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