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	Jun '26 Jun 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	76,451	88,813	159,133	151,851	90,430	46,852
Interest Income on Investments	158.8	140.85	100	50.14	25.93	20.93
Total Interest Income	76,610	88,953	159,233	151,901	90,456	46,873
Interest Paid on Deposits	21,152	27,350	65,620	57,118	45,828	20,585
Net Interest Income	55,458	61,604	93,613	94,784	44,628	26,289
Net Interest Income Growth	-28.72%	-34.19%	-1.23%	112.39%	69.76%	-6.58%
Gain (Loss) on Sale of Assets	1,313	1,124	23.43	159.39	104.19	11.16
Gain (Loss) on Sale of Investments	-1,637	973.67	4,600	-996.16	2,266	2,055
Other Non-Interest Income	15,814	16,852	18,078	14,126	15,650	8,884
Total Non-Interest Income	15,490	18,950	22,702	13,289	18,020	10,950
Non-Interest Income Growth	-37.31%	-16.53%	70.83%	-26.25%	64.56%	-14.23%
Revenues Before Loan Losses	70,948	80,553	116,315	108,073	62,648	37,239
Provision for Loan Losses	-2,338	-1,825	-5,017	-180.79	-1,335	468.61
Revenue	73,286	82,378	121,332	108,254	63,983	36,770
Revenue Growth	-31.09%	-32.10%	12.08%	69.19%	74.01%	2.21%
Salaries and Employee Benefits	849.32	994.61	1,839	1,709	930.83	527.14
Selling, General & Administrative	22,461	22,863	20,550	17,148	12,903	11,591
Other Non-Interest Expense	14.44	13.98	71.04	143.06	11.92	18.99
Total Non-Interest Expense	23,325	23,872	22,460	19,000	13,845	12,137
EBT Excluding Unusual Items	49,961	58,507	98,872	89,254	50,137	24,633
Asset Writedown	-6.91	-14.18	-108.7	-18.07	-15.1	-26.12
Other Unusual Items	13.65	-	1,857	-14.42	1.38	154.3
Pretax Income	49,967	58,493	100,620	89,221	50,123	24,762
Income Tax Expense	25,969	29,712	54,553	46,599	30,279	11,034
Earnings From Continuing Operations	23,998	28,781	46,067	42,622	19,844	13,728
Net Income	23,998	28,781	46,067	42,622	19,844	13,728
Net Income to Common	23,998	28,781	46,067	42,622	19,844	13,728
Net Income Growth	-41.69%	-37.52%	8.08%	114.78%	44.56%	4.53%
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
Shares Change	-	-	-	-	-	-
EPS (Basic)	6.20	7.43	11.90	11.01	5.13	3.55
EPS (Diluted)	6.20	7.43	11.90	11.01	5.13	3.55
EPS Growth	-41.69%	-37.52%	8.08%	114.78%	44.56%	4.53%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	6.000	6.500	9.000	9.000	4.000	3.000
Dividend Growth	-33.33%	-27.78%	0%	125.00%	33.33%	9.09%
Effective Tax Rate	51.97%	50.80%	54.22%	52.23%	60.41%	44.56%