Soneri Bank 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	Sep '26 Sep 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	82,434	84,375	114,093	98,033	63,057	37,133
Interest Income on Investments	165.18	145.1	115.36	221.57	279.63	350.34
Total Interest Income	82,599	84,521	114,209	98,255	63,336	37,483
Interest Paid on Deposits	58,846	57,333	89,146	75,275	51,790	26,196
Net Interest Income	23,753	27,188	25,063	22,980	11,546	11,288
Net Interest Income Growth	-12.84%	8.48%	9.06%	99.02%	2.29%	4.62%
Gain (Loss) on Sale of Assets	57.76	57.76	44.04	33.96	27.76	303.67
Gain (Loss) on Sale of Investments	1,318	1,248	118.52	-55.09	-533.14	364.11
Other Non-Interest Income	7,642	6,654	6,470	6,241	5,359	3,267
Total Non-Interest Income	9,017	7,960	6,633	6,220	4,854	3,935
Non-Interest Income Growth	14.41%	20.01%	6.63%	28.15%	23.34%	7.44%
Revenues Before Loan Losses	32,771	35,147	31,696	29,200	16,400	15,223
Provision for Loan Losses	-2,259	-666.85	-466.73	1,387	-400.58	-121.99
Revenue	35,029	35,814	32,162	27,813	16,801	15,345
Revenue Growth	-0.87%	11.36%	15.64%	65.55%	9.49%	17.73%
Salaries and Employee Benefits	160.54	232.13	258.16	252.44	99.47	120.33
Selling, General & Administrative	1,508	1,508	1,230	81.82	153.77	94.31
Other Non-Interest Expense	25,348	22,484	18,036	15,137	11,992	9,976
Total Non-Interest Expense	27,017	24,224	19,525	15,471	12,245	10,191
EBT Excluding Unusual Items	8,013	11,590	12,637	12,342	4,556	5,154
Asset Writedown	-12.43	-12.43	-5.96	-2.54	-26.01	-10.03
Other Unusual Items	16.53	16.53	2.45	11.35	20.26	-
Pretax Income	8,029	11,606	12,638	12,357	4,554	5,149
Income Tax Expense	3,834	7,049	6,737	6,282	2,671	2,295
Net Income	4,195	4,558	5,901	6,075	1,883	2,854
Net Income to Common	4,195	4,558	5,901	6,075	1,883	2,854
Net Income Growth	-5.50%	-22.77%	-2.87%	222.61%	-34.02%	18.91%
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
Shares Change	-	-	-	-	-	-
EPS (Basic)	3.81	4.13	5.35	5.51	1.71	2.59
EPS (Diluted)	3.81	4.13	5.35	5.51	1.71	2.59
EPS Growth	-5.50%	-22.77%	-2.87%	222.61%	-34.02%	18.91%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	-	1.500	3.000	3.000	1.000	1.500
Dividend Growth	-	-50.00%	0%	200.00%	-33.33%	20.00%
Effective Tax Rate	47.75%	60.73%	53.31%	50.83%	58.65%	44.57%