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	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	-	13,735	9,996	11,405	14,642	13,607
Investment Securities	-	310,338	304,346	318,818	254,997	171,296
Trading Asset Securities	-	2.87	105.03	19,628	1,934	5,760
Total Investments	-	310,341	304,451	338,446	256,930	177,056
Gross Loans	-	214,210	221,774	184,587	174,713	213,721
Allowance for Loan Losses	-	-8,456	-7,340	-7,948	-8,148	-7,615
Other Adjustments to Gross Loans	-	-	-	-52.03	-38.9	-2.67
Net Loans	-	205,754	214,434	176,587	166,526	206,104
Property, Plant & Equipment	-	17,195	12,593	11,145	11,911	8,329
Other Intangible Assets	-	206.13	327.9	432.89	408.27	466.69
Accrued Interest Receivable	-	17,236	10,439	6,000	6,500	7,595
Other Receivables	-	54,272	1,490	932.61	63.75	147.94
Restricted Cash	-	30,472	17,926	25,536	19,541	22,340
Other Current Assets	-	7,126	5,850	7,157	7,296	5,660
Long-Term Deferred Tax Assets	-	-	890.62	178.22	-	-
Other Real Estate Owned & Foreclosed	-	1,573	1,122	1,145	1,139	919.88
Other Long-Term Assets	-	653.1	240.98	524	387.83	316.25
Total Assets	-	658,562	579,760	579,489	485,345	442,541
Accrued Expenses	-	2,056	1,272	924.26	838.44	736.58
Interest Bearing Deposits	-	382,365	291,854	300,639	258,650	231,837
Non-Interest Bearing Deposits	-	135,504	117,788	102,398	86,849	70,245
Total Deposits	-	517,869	409,643	403,037	345,499	302,083
Short-Term Borrowings	-	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	-	10,376	6,397	4,782	3,330	4,745
Other Current Liabilities	-	14,952	11,411	12,601	12,254	8,027
Long-Term Debt	-	13,441	14,980	12,200	11,745	8,843
Long-Term Leases	-	5,114	4,260	3,419	3,350	2,024
Long-Term Unearned Revenue	-	242.7	166.49	129.42	113.39	96.13
Long-Term Deferred Tax Liabilities	-	889.04	-	-	1,533	-
Other Long-Term Liabilities	-	1,648	1,736	1,375	1,054	915.41
Total Liabilities	-	629,949	558,614	557,853	462,188	422,327
Common Stock	-	11,025	11,025	11,025	11,025	11,025
Retained Earnings	-	15,927	10,906	10,623	8,661	7,296
Comprehensive Income & Other	-	1,661	-784.2	-12.16	3,471	1,893
Shareholders' Equity	26,834	28,613	21,146	21,636	23,157	20,214
Total Liabilities & Equity	-	658,562	579,760	579,489	485,345	442,541
Total Debt	56,592	81,915	127,988	135,006	97,566	104,773
Net Cash (Debt)	-18,602	-68,178	-71,549	-92,952	-74,015	-85,407
Net Cash Per Share	-16.87	-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	24.34	25.95	19.18	19.62	21.00	18.33
Tangible Book Value	26,661	28,407	20,818	21,203	22,749	19,747
Tangible Book Value Per Share	24.18	25.77	18.88	19.23	20.63	17.91

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