Soneri Bank Limited (PSX:SNBL)

Soneri Bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	90,679	114,093	98,033	63,057	37,133	42,228
Interest Income on Investments	142.82	115.36	221.57	279.63	350.34	134.13
Total Interest Income	90,821	114,209	98,255	63,336	37,483	42,362
Interest Paid on Deposits	63,570	89,146	75,275	51,790	26,196	31,573
Net Interest Income	27,251	25,063	22,980	11,546	11,288	10,789
Net Interest Income Growth (YoY)	6.20%	9.06%	99.02%	2.29%	4.62%	36.12%
Gain (Loss) on Sale of Assets	27.51	44.04	33.96	27.76	303.67	17.19
Gain (Loss) on Sale of Investments	1,421	118.52	-55.09	-533.14	364.11	818.39
Other Non-Interest Income	6,430	6,470	6,241	5,359	3,267	2,827
Total Non-Interest Income	7,879	6,633	6,220	4,854	3,935	3,663
Non-Interest Income Growth (YoY)	14.89%	6.63%	28.15%	23.34%	7.44%	28.44%
Revenues Before Loan Losses	35,130	31,696	29,200	16,400	15,223	14,452
Provision for Loan Losses	-206.9	-466.73	1,387	-400.58	-121.99	1,418
Revenue	35,337	32,162	27,813	16,801	15,345	13,034
Revenue Growth (YoY)	8.25%	15.64%	65.55%	9.49%	17.73%	14.66%
Salaries and Employee Benefits	251.64	258.16	252.44	99.47	120.33	85.72
Selling, General & Administrative	352.32	133.16	81.82	153.77	94.31	644.69
Other Non-Interest Expense	22,234	19,134	15,137	11,992	9,976	8,296
Total Non-Interest Expense	22,838	19,525	15,471	12,245	10,191	9,026
EBT Excluding Unusual Items	12,499	12,637	12,342	4,556	5,154	4,007
Asset Writedown	-16.14	-5.96	-2.54	-26.01	-10.03	16.5
Other Unusual Items	15.59	2.45	11.35	20.26	-	-
Pretax Income	12,509	12,638	12,357	4,554	5,149	4,035
Income Tax Expense	8,070	6,737	6,282	2,671	2,295	1,634
Net Income	4,439	5,901	6,075	1,883	2,854	2,400
Net Income to Common	4,439	5,901	6,075	1,883	2,854	2,400
Net Income Growth	-33.71%	-2.87%	222.61%	-34.02%	18.91%	25.93%
Basic Shares Outstanding	1,102	1,102	1,102	1,102	1,102	1,102
Diluted Shares Outstanding	1,102	1,102	1,102	1,102	1,102	1,102
EPS (Basic)	4.03	5.35	5.51	1.71	2.59	2.18
EPS (Diluted)	4.03	5.35	5.51	1.71	2.59	2.18
EPS Growth	-33.71%	-2.87%	222.61%	-34.02%	18.91%	25.93%
Dividend Per Share	1.750	3.000	3.000	1.000	1.500	1.250
Dividend Growth	-58.82%	-	200.00%	-33.33%	20.00%	25.00%
Effective Tax Rate	64.51%	53.31%	50.83%	58.65%	44.57%	40.51%

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