Last close · 16 Oct 2026
Rs 13.32 +0.23%
Annual · FY2006 – FY2025
Samba Bank Limited (SBL) cash flow statement
Operating activities generated Rs 10.1 bn of cash in FY2025 (Jan – Dec 2025), down 36.8% on FY2024. Capital expenditure was Rs 846.3 mn. Dividends paid to shareholders came to Rs 83,000. Overall, cash increased by Rs 1.4 bn.
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 | FY2015 Jan – Dec 2015 | FY2014 Jan – Dec 2014 | FY2013 Jan – Dec 2013 | FY2012 Jan – Dec 2012 | FY2011 Jan – Dec 2011 | FY2010 Jan – Dec 2010 | FY2009 Jan – Dec 2009 | FY2008 Jan – Dec 2008 | FY2007 Jan – Dec 2007 | FY2006 Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | 10.1 | 15.9 | 12.1 | 30.9 | (13.4) | (1.6) | 13.3 | (10.2) | (7.3) | 5.8 | 5.7 | 2.8 | (1.1) | 3.5 | 0.2 | 1.7 | 0.1 | (2.3) | (3.7) | 0.5 |
| Capital expenditure | (0.8) | (0.6) | (0.2) | (0.3) | (1.4) | (0.2) | (0.2) | (0.1) | (0.1) | (0.4) | (0.7) | (0.3) | (0.2) | (0.1) | (0.1) | (0.1) | (0.1) | (0.4) | (0.1) | (0.1) |
| Net cash from investing activities | (17.6) | (26.8) | 6.4 | 15.5 | (28.8) | (16.1) | (8.4) | 18.3 | (4.5) | (13.1) | (25.4) | (6.5) | (2.5) | 0.8 | 1.5 | (5.3) | (4.5) | 2.1 | (1.8) | (0.3) |
| Dividends paid | (0.0) | (0.0) | (0.0) | (0.6) | (0.7) | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net cash from financing activities | 8.9 | 11.0 | (15.2) | (48.1) | 42.4 | 19.8 | (3.9) | (6.4) | 10.4 | 8.5 | 21.4 | 3.4 | 2.1 | (1.5) | (2.5) | 4.4 | 4.9 | 0.3 | 5.7 | (0.3) |
| Net change in cash | 1.4 | 0.1 | 3.3 | (1.7) | 0.2 | 2.1 | 1.0 | 1.6 | (1.5) | 1.2 | 1.7 | (0.3) | (1.4) | 2.8 | (0.9) | 0.8 | 0.6 | 0.0 | 0.2 | (0.0) |
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 | FY2015 Jan – Dec 2015 | FY2014 Jan – Dec 2014 | FY2013 Jan – Dec 2013 | FY2012 Jan – Dec 2012 | FY2011 Jan – Dec 2011 | FY2010 Jan – Dec 2010 | FY2009 Jan – Dec 2009 | FY2008 Jan – Dec 2008 | FY2007 Jan – Dec 2007 | FY2006 Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | -36.8% | +31.4% | -60.8% | — | — | -112.4% | — | — | -227.6% | +0.5% | +102.9% | — | -130.5% | +2,220.8% | -91.1% | +1,243.7% | — | — | -827.2% | — |
| Capital expenditure | +31.0% | +168.9% | -18.1% | -79.4% | +647.6% | -11.1% | +45.4% | +16.2% | -71.4% | -34.7% | +160.6% | +67.0% | +81.1% | +12.7% | +20.1% | -24.7% | -76.8% | +314.1% | -8.0% | — |
| Net cash from investing activities | — | -516.2% | -58.3% | — | — | — | -146.2% | — | — | — | — | — | -411.4% | -46.0% | — | — | -312.7% | — | — | — |
| Dividends paid | +151.5% | +6.5% | -100.0% | -20.0% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net cash from financing activities | -19.0% | — | — | -213.5% | +113.8% | — | — | -162.0% | +21.5% | -60.1% | +535.1% | +59.1% | — | — | -158.0% | -10.5% | +1,845.7% | -95.6% | — | — |
| Net change in cash | +1,801.3% | -97.8% | — | -1,126.9% | -92.1% | +102.5% | -36.0% | — | -226.0% | -29.8% | — | — | -150.7% | — | -218.9% | +37.9% | +1,351.5% | -74.5% | — | — |
Change against the previous fiscal year; shown when the earlier figure is positive.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. Updated 15 Oct 2026.
All reported line items 62
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profit/(Loss) - Starting Line - Cash Flow | 1.6 | 1.5 | 2.2 | (0.9) | 1.3 | 1.7 | 1.1 | 1.1 | 0.9 | 0.9 |
| Non-cash Items & Reconciliation Adjustments - Cash Flow | (4.1) | (5.0) | (5.3) | 3.1 | 1.9 | 0.8 | 0.9 | 0.2 | 0.1 | 0.4 |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | (4.9) | (5.7) | (5.9) | 2.8 | 1.6 | 0.1 | 0.1 | (0.1) | (0.0) | (0.0) |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 0.9 | 0.6 | 0.6 | 0.5 | 0.4 | 0.4 | 0.4 | 0.2 | 0.3 | 0.2 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 0.7 | 0.5 | 0.5 | 0.4 | 0.4 | 0.3 | 0.3 | 0.2 | 0.2 | 0.1 |
| Amortization - Intangible Assets & Deferred Charges - Cash Flow - to Reconcile | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan Loss Provision including Impairment - Increase/(Decrease) - Cash Flow | — | — | — | 0.0 | 0.0 | 0.3 | 0.4 | (0.0) | 0.1 | 0.3 |
| Impairment - Property, Plant & Equipment including Intangible Assets - Cash Flow - to Reconcile | — | — | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — |
| Impairment - Financial Fixed Assets - Operating - Cash Flow - to Reconcile | — | — | — | (0.2) | (0.1) | 0.1 | 0.1 | 0.1 | (0.0) | (0.1) |
| Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.2) | (0.0) |
| Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.2) | (0.0) |
| Financial Assets - Unrealized Gain/(Loss) - Cash Flow - to Reconcile | (0.0) | 0.0 | 0.0 | — | 0.0 | 0.0 | 0.0 | (0.0) | 0.0 | 0.0 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 1.3 | 1.8 | 1.0 | 0.6 | 0.8 | 0.6 | 0.4 | 0.0 | 0.0 | 0.0 |
| Interest Paid - Cash | 17.0 | 21.8 | 19.8 | 0.5 | 0.2 | — | — | — | — | — |
| Interest & Dividends - Received - Total - Cash Flow | 22.8 | 30.3 | 27.7 | 0.1 | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 |
| Cash Flow from Operating Activities before Changes in Working Capital | 2.0 | 3.2 | 3.9 | 1.1 | 2.2 | 1.9 | 1.7 | 1.4 | 1.0 | 1.4 |
| Working Capital - Increase/(Decrease) - Cash Flow | 8.0 | 12.7 | 8.2 | 29.8 | (15.6) | (3.6) | 11.7 | (11.6) | (8.4) | 4.4 |
| Other Assets - Decrease/(Increase) - Cash Flow | (0.7) | 0.7 | (2.6) | (0.6) | (2.0) | 1.3 | (1.6) | (0.3) | 0.1 | 0.2 |
| Lending & Deposits - Due from Banks - Long-Term - Decrease/(Increase) - Cash Flow | 0.0 | 8.2 | (0.8) | (1.4) | 4.0 | (7.7) | 7.2 | (4.3) | 0.1 | (3.3) |
| Investment Securities - Decrease/(Increase) - Operating - Cash Flow | 1.5 | (3.2) | 0.5 | 1.1 | (0.2) | (0.6) | 6.0 | (4.5) | (1.5) | 0.2 |
| Loans - Customer - Decrease/(Increase) - Cash Flow | (4.8) | 15.5 | (1.2) | 4.7 | (16.7) | (4.5) | (8.2) | (13.4) | (11.5) | (4.9) |
| Other Liabilities - Increase/(Decrease) -Total - Cash Flow | 0.3 | (1.0) | 2.9 | 0.1 | (1.6) | 1.4 | 1.6 | 0.6 | (0.2) | 0.8 |
| Deposits - Increase/(Decrease) - Total - Cash Flow | 11.8 | (7.6) | 9.5 | 26.0 | 0.8 | 6.5 | 6.7 | 10.3 | 4.6 | 11.5 |
| Net Cash Flow from Operating Activities | 10.1 | 15.9 | 12.1 | 30.9 | (13.4) | (1.6) | 13.3 | (10.2) | (7.3) | 5.8 |
| Capital Expenditures - Net - Cash Flow | 0.8 | 0.6 | 0.2 | 0.3 | 1.4 | 0.2 | 0.2 | 0.1 | (0.2) | 0.3 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 0.8 | 0.6 | 0.2 | 0.3 | 1.4 | 0.2 | 0.2 | 0.1 | (0.2) | 0.3 |
| Property, Plant & Equipment - Purchased - Cash Flow | 0.8 | 0.6 | 0.2 | 0.3 | 1.4 | 0.2 | 0.2 | 0.1 | 0.1 | 0.4 |
| Property, Plant & Equipment Sold - Cash Flow | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.3 | 0.1 |
| Capital Expenditures - Total | 0.8 | 0.6 | 0.2 | 0.3 | 1.4 | 0.2 | 0.2 | 0.1 | 0.1 | 0.4 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | (16.8) | (26.2) | 6.7 | 15.8 | (27.4) | (15.9) | (8.2) | 18.4 | (4.7) | (12.8) |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | (16.8) | (26.2) | 6.7 | 15.8 | (27.4) | (15.9) | (8.2) | 18.4 | (4.7) | (12.8) |
| Net Cash Flow from Investing Activities | (17.6) | (26.8) | 6.4 | 15.5 | (28.8) | (16.1) | (8.4) | 18.3 | (4.5) | (13.1) |
| Dividends Paid - Cash - Total - Cash Flow | 0.0 | 0.0 | 0.0 | 0.6 | 0.7 | — | — | — | — | — |
| Dividends - Common - Cash Paid | 0.0 | 0.0 | 0.0 | 0.6 | 0.7 | — | — | — | — | — |
| Stock - Total - Issuance/(Retirement) - Net - Cash Flow | — | — | — | — | — | — | — | — | — | 0.0 |
| Stock - Issuance/(Retirement) - Net - Excluding Options/Warrants - Cash Flow | — | — | — | — | — | — | — | — | — | 0.0 |
| Stock - Common - Issuance/(Retirement) - Net - Cash Flow | — | — | — | — | — | — | — | — | — | 0.0 |
| Stock - Common - Issued/Sold - Cash Flow | — | — | — | — | — | — | — | — | — | 0.0 |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | 8.9 | 11.0 | (15.2) | (47.5) | 41.6 | 19.8 | (3.9) | (6.4) | 10.4 | 8.5 |
| Debt - Issued/(Reduced) - Long-Term & Short-Term - Cash Flow | 9.5 | 11.5 | (14.8) | (47.2) | 41.8 | 20.1 | (3.7) | (6.4) | 10.4 | 8.5 |
| Debt - Issued - Long-Term & Short-Term - Cash Flow | 9.5 | 11.5 | — | 0.0 | 41.8 | — | — | — | — | — |
| Debt - Reduced - Long-Term & Short-Term - Cash Flow | 0.0 | 0.0 | 14.8 | 47.2 | 0.0 | — | — | — | — | — |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (0.6) | (0.5) | (0.4) | (0.3) | (0.2) | (0.3) | (0.2) | — | — | — |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (0.6) | (0.5) | (0.4) | (0.3) | (0.2) | (0.3) | (0.2) | — | — | — |
| Debt - Reduced - Long-Term - Cash Flow | 0.6 | 0.5 | 0.4 | 0.3 | 0.2 | 0.3 | 0.2 | — | — | — |
| Lease liabilities - Reduced - Cash flow represents cash outflow due to the repayment of lease liability/debt of the company. It includes finance leases, capitalized lease, and hire-purchase agreement. Applicable to all industries. If Lease liability issue | 0.6 | 0.5 | 0.4 | 0.3 | 0.2 | 0.3 | 0.2 | — | — | — |
| Other Financing Cash Flow - Increase/(Decrease) | — | — | — | 0.0 | 1.5 | — | — | 0.0 | 0.0 | — |
| Net Cash Flow from Financing Activities | 8.9 | 11.0 | (15.2) | (48.1) | 42.4 | 19.8 | (3.9) | (6.4) | 10.4 | 8.5 |
| Foreign Exchange Effects - Cash Flow | 0.0 | — | — | — | — | — | — | — | — | — |
| Net Change in Cash - Total | 1.4 | 0.1 | 3.3 | (1.7) | 0.2 | 2.1 | 1.0 | 1.6 | (1.5) | 1.2 |
| Net Cash from Continuing Operations | 1.4 | 0.1 | 3.3 | (1.7) | 0.2 | 2.1 | 1.0 | 1.6 | (1.5) | 1.2 |
| Net Cash - Beginning Balance | 10.6 | 10.5 | 7.2 | 8.9 | 8.7 | 6.7 | 5.7 | 4.0 | 5.5 | 4.3 |
| Net Cash - Ending Balance | 12.0 | 10.6 | 10.5 | 7.2 | 8.9 | 8.8 | 6.7 | 5.7 | 4.0 | 5.5 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 1.3 | 1.8 | 1.0 | 0.6 | 0.8 | 0.6 | 0.4 | 0.0 | 0.0 | 0.0 |
| Interest Paid - Cash Flow - Supplemental | 17.0 | 21.8 | 19.8 | 0.5 | 0.2 | — | — | — | — | — |
| Interest & Dividends - Received - Cash Flow - Supplemental | 22.8 | 30.3 | 27.7 | 0.1 | 0.1 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 |
| CF from Optg Activities before Change in WC & Int Payments | 19.0 | 25.0 | 23.6 | 1.6 | 2.5 | 1.9 | 1.7 | 1.4 | 1.0 | 1.4 |
| Common Stock Buyback - Net | — | — | — | — | — | — | — | — | — | 0.0 |
| Depreciation, Depletion & Amortization - Cash Flow | 0.9 | 0.6 | 0.6 | 0.5 | 0.4 | 0.4 | 0.4 | 0.2 | 0.2 | 0.2 |
| Free Cash Flow to Equity | 18.2 | 26.3 | (3.4) | (16.9) | 26.7 | 18.0 | 9.3 | (16.8) | 3.2 | 14.0 |
| Free Cash Flow Net of Dividends | 9.2 | 15.3 | 11.9 | 30.0 | (15.6) | (1.8) | 13.1 | (10.4) | (7.5) | 5.3 |
| Free Cash Flow | 9.2 | 15.3 | 11.9 | 30.6 | (14.8) | (1.8) | 13.1 | (10.4) | (7.5) | 5.3 |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 10 periods; the table above goes back further.