Soneri Bank Limited (PSX:SNBL)

Soneri Bank Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	51,889	19,332	15,780	15,194	9,996	11,405
Investment Securities	517,819	479,247	384,306	310,338	304,346	318,818
Trading Asset Securities	-	-	-	2.87	105.03	19,628
Total Investments	517,819	479,247	384,306	310,341	304,451	338,446
Gross Loans	251,143	252,280	258,450	214,210	221,774	184,587
Allowance for Loan Losses	-	-7,358	-8,113	-8,456	-7,340	-7,948
Other Adjustments to Gross Loans	-	-	-	-	-	-52.03
Net Loans	251,143	244,922	250,337	205,754	214,434	176,587
Property, Plant & Equipment	32,098	27,118	20,985	17,195	12,593	11,145
Other Intangible Assets	329.8	492.74	394.49	206.13	327.9	432.89
Accrued Interest Receivable	-	13,226	15,067	17,236	10,439	6,000
Other Receivables	2,177	28.37	47.18	52,813	1,490	932.61
Restricted Cash	-	43,514	33,495	30,472	17,926	25,536
Other Current Assets	-	22,059	17,229	7,126	5,850	7,157
Long-Term Deferred Tax Assets	-	-	-	-	890.62	178.22
Other Real Estate Owned & Foreclosed	-	2,082	1,490	1,573	1,122	1,145
Other Long-Term Assets	37,999	454.03	368.81	653.1	240.98	524
Total Assets	893,455	852,477	739,499	658,562	579,760	579,489

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	-	2,708	2,540	2,056	1,272	924.26
Interest Bearing Deposits	736,484	501,492	394,299	382,365	291,854	300,639
Non-Interest Bearing Deposits	-	187,614	148,847	135,504	117,788	102,398
Total Deposits	736,484	689,106	543,146	517,869	409,643	403,037
Short-Term Borrowings	-	58,659	105,036	62,404	108,487	117,750
Current Portion of Long-Term Debt	-	-	-	956.76	260.63	1,636
Current Portion of Leases	-	479.93	1,010	809.51	-	-
Accrued Interest Payable	-	9,268	10,136	10,376	6,397	4,782
Other Current Liabilities	8,846	24,354	23,694	14,952	11,411	12,601
Long-Term Debt	73,744	11,192	12,383	13,441	14,980	12,200
Long-Term Leases	13,351	9,291	5,371	4,304	4,260	3,419
Long-Term Unearned Revenue	-	295.87	266.41	242.7	166.49	129.42
Long-Term Deferred Tax Liabilities	2,032	4,862	2,072	889.04	-	-
Other Long-Term Liabilities	22,772	5,473	3,034	1,648	1,736	1,375
Total Liabilities	857,229	815,690	708,690	629,949	558,614	557,853

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	11,025	11,025	11,025	11,025	11,025	11,025
Retained Earnings	19,502	18,194	15,498	15,927	10,906	10,623
Comprehensive Income & Other	5,699	7,568	4,287	1,661	-784.2	-12.16
Shareholders' Equity	36,226	36,787	30,810	28,613	21,146	21,636
Total Liabilities & Equity	893,455	852,477	739,499	658,562	579,760	579,489

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	87,095	79,622	123,801	81,915	127,988	135,006
Net Cash (Debt)	-35,206	-60,290	-108,020	-66,719	-71,549	-92,952
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-31.93	-54.69	-97.98	-60.52	-64.90	-84.31
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	32.86	33.37	27.95	25.95	19.18	19.62
Tangible Book Value	35,896	36,294	30,415	28,407	20,818	21,203
Tangible Book Value Per Share	32.56	32.92	27.59	25.77	18.88	19.23

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 30, 2026

Data Sources Report a data error