Soneri Bank Limited (PSX: SNBL)

Soneri Bank Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	16,179	13,735	9,996	11,405	14,642	13,607
Investment Securities	406,481	310,338	304,346	318,818	254,997	171,296
Trading Asset Securities	149.99	2.87	105.03	19,628	1,934	5,760
Total Investments	406,631	310,341	304,451	338,446	256,930	177,056
Gross Loans	206,224	214,210	221,774	184,587	174,713	213,721
Allowance for Loan Losses	-8,930	-8,456	-7,340	-7,948	-8,148	-7,615
Other Adjustments to Gross Loans	-	-	-	-52.03	-38.9	-2.67
Net Loans	197,293	205,754	214,434	176,587	166,526	206,104
Property, Plant & Equipment	20,586	17,195	12,593	11,145	11,911	8,329
Other Intangible Assets	364.69	206.13	327.9	432.89	408.27	466.69
Accrued Interest Receivable	26,403	17,236	10,439	6,000	6,500	7,595
Other Receivables	110.44	54,272	1,490	932.61	63.75	147.94
Restricted Cash	35,151	30,472	17,926	25,536	19,541	22,340
Other Current Assets	13,492	7,126	5,850	7,157	7,296	5,660
Long-Term Deferred Tax Assets	-	-	890.62	178.22	-	-
Other Real Estate Owned & Foreclosed	1,474	1,573	1,122	1,145	1,139	919.88
Other Long-Term Assets	1,102	653.1	240.98	524	387.83	316.25
Total Assets	718,787	658,562	579,760	579,489	485,345	442,541
Accrued Expenses	2,421	2,056	1,272	924.26	838.44	736.58
Interest Bearing Deposits	418,232	382,365	291,854	300,639	258,650	231,837
Non-Interest Bearing Deposits	161,809	135,504	117,788	102,398	86,849	70,245
Total Deposits	580,041	517,869	409,643	403,037	345,499	302,083
Short-Term Borrowings	52,234	62,404	108,487	117,750	82,467	93,894
Current Portion of Long-Term Debt	-	956.76	260.63	1,636	3.42	12.68
Accrued Interest Payable	11,266	10,376	6,397	4,782	3,330	4,745
Other Current Liabilities	16,537	14,952	11,411	12,601	12,254	8,027
Long-Term Debt	12,936	13,441	14,980	12,200	11,745	8,843
Long-Term Leases	5,177	5,114	4,260	3,419	3,350	2,024
Long-Term Unearned Revenue	259.99	242.7	166.49	129.42	113.39	96.13
Long-Term Deferred Tax Liabilities	3,071	889.04	-	-	1,533	-
Other Long-Term Liabilities	3,192	1,648	1,736	1,375	1,054	915.41
Total Liabilities	688,234	629,949	558,614	557,853	462,188	422,327
Common Stock	11,025	11,025	11,025	11,025	11,025	11,025
Retained Earnings	14,664	15,927	10,906	10,623	8,661	7,296
Comprehensive Income & Other	4,865	1,661	-784.2	-12.16	3,471	1,893
Shareholders' Equity	30,553	28,613	21,146	21,636	23,157	20,214
Total Liabilities & Equity	718,787	658,562	579,760	579,489	485,345	442,541
Total Debt	71,320	81,915	127,988	135,006	97,566	104,773
Net Cash (Debt)	-49,052	-68,178	-71,549	-92,952	-74,015	-85,407
Net Cash Per Share	-44.49	-61.84	-64.90	-84.31	-67.14	-77.47
Filing Date Shares Outstanding	1,102	1,102	1,102	1,102	1,102	1,102
Total Common Shares Outstanding	1,102	1,102	1,102	1,102	1,102	1,102
Book Value Per Share	27.71	25.95	19.18	19.62	21.00	18.33
Tangible Book Value	30,188	28,407	20,818	21,203	22,749	19,747
Tangible Book Value Per Share	27.38	25.77	18.88	19.23	20.63	17.91

Source: S&P Capital IQ. Banks template. Financial Sources.