Last close · 16 Oct 2026
Rs 13.32 +0.23%
Financials
Samba Bank Limited (SBL) financials
20 years of annual results (FY2006 – FY2025).
Samba Bank Limited (SBL) reported total income of Rs 7.7 bn for FY2025 (Jan – Dec 2025), down 14.8% from FY2024.
Profit attributable to shareholders was Rs 727.2 mn (EPS Rs 0.72), up 4.0%.
No cash dividend was declared for FY2025.
Deposits stood at Rs 118.9 bn and net advances at Rs 60.6 bn, an advances-to-deposits ratio of 51.0%.
Return on equity was 4.0%.
Over the last five years total income grew at a compound 8.8% a year.
At Rs 13.32 (close on 16 Oct 2026) the shares trade at 18.5× earnings (FY2025) and 0.71× book value.
Fundamentals
SBL at a glance
Total income · FY2025
Rs 7.7 bn
▼ 14.8% year on year
Profit attributable to shareholders · FY2025
Rs 727.2 mn
▲ 4.0% year on year
EPS – basic (Rs) · FY2025
Rs 0.72
▲ 4.0% year on year
Dividend per share (Rs) · FY2025
Rs 0.00
Deposits · FY2025
Rs 118.9 bn
▲ 11.0% year on year
Return on equity (ROE) · FY2025
4.0%
-0.1 pts year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Total income · FY2025
- Rs 7.7 bn
- Profit attributable · FY2025
- Rs 727.2 mn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 206.4 bn
- Equity · FY2025
- Rs 18.8 bn
Financial highlights
SBL financial results
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net interest income | 5.7 | 7.4 | 8.2 | 4.8 | 4.4 | 3.7 | 3.6 | 2.8 | 2.4 | 2.1 |
| Total non-interest income | 2.0 | 1.6 | 1.1 | 0.2 | 1.4 | 1.3 | 0.8 | 0.7 | 0.4 | 1.0 |
| Total income | 7.7 | 9.0 | 9.3 | 5.0 | 5.7 | 5.0 | 4.4 | 3.5 | 2.8 | 3.2 |
| Operating expenses | (6.2) | (7.1) | (7.0) | (5.9) | (4.5) | (3.3) | (3.2) | (2.3) | (2.2) | (2.3) |
| Provisions & impairment (loans) | 0.6 | 1.8 | 2.2 | — | 1.1 | 0.3 | 0.4 | (0.0) | 0.1 | 0.3 |
| Profit before tax | 1.6 | 1.5 | 2.2 | (0.9) | 1.3 | 1.7 | 1.1 | 1.1 | 0.9 | 0.9 |
| Profit attributable to shareholders | 0.7 | 0.7 | 1.2 | (0.4) | 0.8 | 1.0 | 0.7 | 0.7 | 0.7 | 0.5 |
| EPS – basic (Rs) Rs | 0.72 | 0.69 | 1.23 | (0.42) | 0.78 | 1.00 | 0.68 | 0.68 | 0.73 | 0.54 |
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.60 | 0.75 | 0.00 | 0.00 | 0.00 | 0.00 |
| Advances (net) | 60.6 | 56.1 | 73.4 | 74.5 | 81.2 | 65.6 | 61.4 | 53.6 | 40.2 | 28.8 |
| Deposits | 118.9 | 107.1 | 114.7 | 105.2 | 79.3 | 78.4 | 71.9 | 65.2 | 54.9 | 50.3 |
| Total assets | 206.4 | 182.5 | 178.7 | 179.1 | 201.1 | 159.0 | 129.6 | 122.8 | 118.2 | 103.1 |
| Equity attributable to shareholders | 18.8 | 17.2 | 16.4 | 14.7 | 15.9 | 15.3 | 14.2 | 12.8 | 12.7 | 12.3 |
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets. Free cash flow and book value per share are calculated by Smart Money; TTM = the latest four quarters. Updated 15 Oct 2026.