Standard Chartered Bank (Pak) Ltd (SCBPL) quarterly cash flow statement

Operating activities generated Rs 28.5 bn of cash in Q1 FY2026 (Jan – Mar 2026). Capital expenditure was Rs 223.3 mn. Dividends paid to shareholders came to Rs 0. Overall, cash increased by Rs 38.5 bn.

SCBPL cash flow statement (quarterly) (Rs bn)
Rs bn	TTM to Mar 2026	Q1 FY2026 * Jan – Mar 2026	Q4 FY2025 Oct – Dec 2025	Q3 FY2025 Jul – Sep 2025	Q2 FY2025 * Apr – Jun 2025	Q1 FY2025 Jan – Mar 2025	Q4 FY2024 * Oct – Dec 2024	Q3 FY2024 Jul – Sep 2024	Q2 FY2024 Apr – Jun 2024	Q1 FY2024 Jan – Mar 2024	Q4 FY2023 Oct – Dec 2023	Q3 FY2023 * Jul – Sep 2023	Q2 FY2023 Apr – Jun 2023	Q1 FY2023 * Jan – Mar 2023	Q4 FY2022 * Oct – Dec 2022	Q3 FY2022 * Jul – Sep 2022	Q2 FY2022 Apr – Jun 2022	Q1 FY2022 * Jan – Mar 2022	Q4 FY2021 * Oct – Dec 2021	Q3 FY2021 * Jul – Sep 2021	Q2 FY2021 Apr – Jun 2021
Net cash from operating activities	101.4	28.5	19.3	26.7	26.9	(57.6)	(10.6)	(7.8)	(230.3)	301.1	(257.7)	31.1	92.0	(90.7)	(12.2)	72.1	108.8	(68.5)	46.3	(8.4)	54.0
Capital expenditure	(1.3)	(0.2)	(0.6)	(0.1)	(0.4)	(0.2)	(0.6)	(0.5)	(0.2)	(0.2)	(0.3)	(0.5)	(0.2)	(0.0)	(1.0)	(0.3)	(0.1)	(0.1)	(0.4)	(0.1)	(0.1)
Net cash from investing activities	1.9	12.0	3.1	(17.4)	4.2	46.6	(6.8)	13.7	302.2	(303.2)	258.6	(21.9)	(91.8)	105.4	(2.1)	(48.8)	(46.5)	17.4	(42.3)	5.6	(40.0)
Dividends paid	(35.9)	0.0	(13.3)	(21.2)	(1.3)	(6.6)	(0.0)	(0.1)	(42.4)	(9.6)	—	(3.5)	(0.1)	(0.1)	(0.0)	(0.1)	(4.9)	(0.0)	(0.8)	(0.0)	(10.6)
Net cash from financing activities	(61.8)	(2.8)	(17.5)	(20.6)	(20.9)	12.3	(1.8)	(1.7)	(62.3)	3.2	0.5	0.2	3.4	(3.9)	0.3	(3.6)	(57.3)	45.0	(0.1)	8.6	(18.2)
Net change in cash	43.4	38.5	5.1	(11.0)	10.8	1.6	(19.6)	4.2	9.5	0.9	1.6	10.3	5.2	17.8	(9.5)	22.2	5.7	(4.0)	4.8	6.3	(4.7)

SCBPL cash flow statement — year-on-year change (Rs mn)
Rs mn	Q1 FY2026 * Jan – Mar 2026	Q4 FY2025 Oct – Dec 2025	Q3 FY2025 Jul – Sep 2025	Q2 FY2025 * Apr – Jun 2025	Q1 FY2025 Jan – Mar 2025	Q4 FY2024 * Oct – Dec 2024	Q3 FY2024 Jul – Sep 2024	Q2 FY2024 Apr – Jun 2024	Q1 FY2024 Jan – Mar 2024	Q4 FY2023 Oct – Dec 2023	Q3 FY2023 * Jul – Sep 2023	Q2 FY2023 Apr – Jun 2023	Q1 FY2023 * Jan – Mar 2023	Q4 FY2022 * Oct – Dec 2022	Q3 FY2022 * Jul – Sep 2022	Q2 FY2022 Apr – Jun 2022	Q1 FY2022 * Jan – Mar 2022	Q4 FY2021 * Oct – Dec 2021	Q3 FY2021 * Jul – Sep 2021	Q2 FY2021 Apr – Jun 2021
Net cash from operating activities	—	—	—	—	-119.1%	—	-125.2%	-350.4%	—	—	-56.9%	-15.5%	—	-126.4%	—	+101.7%	—	—	-130.3%	-19.1%
Capital expenditure	-9.5%	+3.0%	-79.3%	+80.7%	-1.0%	+103.7%	+19.5%	-0.2%	+2,175.5%	-70.6%	+77.7%	+135.6%	-89.8%	+118.8%	+246.3%	+30.1%	+70.0%	+152.6%	-61.9%	+133.5%
Net cash from investing activities	-74.2%	—	-227.2%	-98.6%	—	-102.6%	—	—	-387.7%	—	—	—	+505.7%	—	-967.8%	—	—	-1,743.4%	—	—
Dividends paid	-100.0%	+8,715,386.9%	+37,723.3%	-96.8%	-31.4%	—	-98.4%	+49,955.4%	+7,399.8%	—	+6,495.7%	-98.3%	+11,062.4%	-100.0%	+5,592.5%	-54.2%	+178.2%	+134,332.5%	-100.0%	—
Net cash from financing activities	-122.5%	—	—	—	+286.8%	-458.6%	-977.9%	-1,937.8%	—	+74.7%	—	—	-108.8%	—	-141.4%	—	+369.3%	-108.3%	—	—
Net change in cash	+2,275.5%	—	-360.4%	+13.7%	+77.4%	-1,341.6%	-59.2%	+83.7%	-94.9%	—	-53.4%	-9.2%	—	-298.4%	+252.7%	—	-8,244.2%	—	-67.9%	—

Change against the same quarter a year earlier; shown when the earlier figure is positive.

Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. TTM = the latest four quarters added together. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 17 Oct 2026.

All reported line items 51

SCBPL cash flow statement — all reported line items (Rs bn)
Rs bn	Q1 FY2026 Jan – Mar 2026	Q4 FY2025 Oct – Dec 2025	Q3 FY2025 Jul – Sep 2025	Q2 FY2025 Apr – Jun 2025	Q1 FY2025 Jan – Mar 2025	Q4 FY2024 Oct – Dec 2024	Q3 FY2024 Jul – Sep 2024	Q2 FY2024 Apr – Jun 2024	Q1 FY2024 Jan – Mar 2024	Q4 FY2023 Oct – Dec 2023	Q3 FY2023 Jul – Sep 2023	Q2 FY2023 Apr – Jun 2023
Profit/(Loss) - Starting Line - Cash Flow	11.7	12.4	13.2	15.9	17.0	25.1	26.2	24.6	24.7	26.2	24.9	22.0
Non-cash Items & Reconciliation Adjustments - Cash Flow	(14.1)	(14.1)	(13.9)	(16.7)	(16.4)	(22.1)	(25.6)	(24.1)	(24.6)	(0.6)	1.0	(0.1)
Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile	(13.0)	(13.8)	(15.0)	(15.6)	(16.9)	(21.3)	(23.9)	(24.0)	(24.0)	(0.0)	0.1	0.0
Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile	0.4	0.4	0.3	0.4	0.3	0.3	0.3	0.3	0.3	0.2	0.2	0.2
Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile	0.4	0.4	0.3	0.4	0.3	0.3	0.3	0.3	0.3	0.2	0.2	0.2
Loan Loss Provision including Impairment - Increase/(Decrease) - Cash Flow	(0.4)	(0.9)	0.2	(0.7)	0.2	(3.0)	(0.1)	(0.5)	(0.5)	(0.8)	0.6	(0.2)
Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile	(0.0)	(1.1)	(0.0)	(0.1)	(0.0)	(0.0)	0.0	(0.0)	(0.0)	(0.0)	(0.0)	(0.1)
Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow	(0.0)	(1.1)	(0.0)	(0.1)	(0.0)	(0.0)	0.0	(0.0)	(0.0)	(0.0)	(0.0)	(0.1)
Financial Assets - Unrealized Gain/(Loss) - Cash Flow - to Reconcile	(1.1)	1.3	0.6	(0.7)	(0.0)	1.9	(1.9)	0.2	(0.4)	(0.0)	0.0	0.0
Income Taxes - Paid/(Reimbursed) - Cash Flow	9.7	8.4	9.0	5.0	6.3	27.8	10.9	12.0	8.3	25.7	11.8	7.1
Interest Paid - Cash	4.3	6.3	4.7	6.3	10.5	12.7	18.8	16.1	18.1	—	—	—
Interest & Dividends - Received - Total - Cash Flow	18.7	19.6	20.5	23.1	26.7	43.9	40.6	41.3	38.6	0.0	0.0	0.1
Cash Flow from Operating Activities before Changes in Working Capital	2.3	3.2	6.1	10.9	10.6	6.4	11.4	13.6	12.4	(0.0)	14.0	14.8
Working Capital - Increase/(Decrease) - Cash Flow	26.3	16.1	20.6	16.0	(68.2)	(17.0)	(19.3)	(243.9)	288.7	(257.7)	17.1	77.1
Other Assets - Decrease/(Increase) - Cash Flow	55.2	4.2	53.8	48.8	32.7	(1.4)	(102.4)	(261.1)	(69.2)	5.6	22.6	26.1
Lending & Deposits - Due from Banks - Long-Term - Decrease/(Increase) - Cash Flow	9.1	7.6	23.8	(13.1)	39.7	3.9	40.5	(28.8)	279.1	(257.1)	14.5	20.2
Loans - Customer - Decrease/(Increase) - Cash Flow	(44.1)	24.2	(27.6)	15.9	(54.2)	26.3	13.5	(2.2)	11.9	15.2	(18.0)	11.2
Other Liabilities - Increase/(Decrease) -Total - Cash Flow	12.4	(7.6)	5.5	(7.4)	23.8	(39.2)	3.7	(3.7)	21.5	(15.6)	(1.6)	22.7
Deposits - Increase/(Decrease) - Total - Cash Flow	(6.2)	(12.3)	(35.0)	(28.2)	(110.1)	(6.7)	25.5	52.0	45.4	(5.8)	(0.4)	(3.0)
Net Cash Flow from Operating Activities	28.5	19.3	26.7	26.9	(57.6)	(10.6)	(7.8)	(230.3)	301.1	(257.7)	31.1	92.0
Capital Expenditures - Net - Cash Flow	0.1	(1.4)	0.1	0.3	0.2	0.6	0.5	0.1	0.2	0.3	0.5	(0.1)
Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow	0.1	(1.4)	0.1	0.3	0.2	0.6	0.5	0.1	0.2	0.3	0.5	(0.1)
Property, Plant & Equipment - Purchased - Cash Flow	0.2	0.6	0.1	0.4	0.2	0.6	0.5	0.2	0.2	0.3	0.5	0.2
Property, Plant & Equipment Sold - Cash Flow	0.1	2.0	0.0	0.1	0.1	0.0	0.0	0.1	0.0	0.0	0.0	0.3
Capital Expenditures - Total	0.2	0.6	0.1	0.4	0.2	0.6	0.5	0.2	0.2	0.3	0.5	0.2
Investments excluding Loans - Decrease/(Increase) - Cash Flow	12.2	1.7	(17.3)	4.5	46.8	(6.2)	14.3	302.3	(303.0)	258.9	(21.4)	(91.9)
Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow	12.2	1.7	(17.3)	4.5	46.8	(6.2)	14.3	302.3	(303.0)	258.9	(21.4)	(91.9)
Net Cash Flow from Investing Activities	12.0	3.1	(17.4)	4.2	46.6	(6.8)	13.7	302.2	(303.2)	258.6	(21.9)	(91.8)
Dividends Paid - Cash - Total - Cash Flow	0.0	13.3	21.2	1.3	6.6	0.0	0.1	42.4	9.6	—	3.5	0.1
Dividends - Common - Cash Paid	0.0	13.3	21.2	1.3	6.6	0.0	0.1	42.4	9.6	—	3.5	0.1
Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow	(2.8)	(4.2)	0.6	(19.6)	18.9	(1.8)	(1.7)	(19.9)	12.8	(0.9)	3.6	3.5
Debt - Issued/(Reduced) - Long-Term & Short-Term - Cash Flow	(2.6)	(4.0)	0.8	(19.3)	19.1	(1.6)	(1.5)	(19.8)	12.9	(0.7)	3.8	3.7
Debt - Issued/Reduced - Long-Term - Cash Flow	(0.1)	(0.2)	(0.1)	(0.3)	(0.1)	(0.2)	(0.1)	(0.2)	(0.1)	(0.2)	(0.2)	(0.2)
Lease liabilities - Issued/(Reduced) - Cash Flow	(0.1)	(0.2)	(0.1)	(0.3)	(0.1)	(0.2)	(0.1)	(0.2)	(0.1)	(0.2)	(0.2)	(0.2)
Debt - Reduced - Long-Term - Cash Flow	0.1	0.2	0.1	0.3	0.1	0.2	0.1	0.2	0.1	0.2	0.2	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	0.1	0.2	0.1	0.3	0.1	0.2	0.1	0.2	0.1	0.2	0.2	0.2
Other Financing Cash Flow - Increase/(Decrease)	—	—	—	—	—	—	—	—	—	1.4	—	—
Net Cash Flow from Financing Activities	(2.8)	(17.5)	(20.6)	(20.9)	12.3	(1.8)	(1.7)	(62.3)	3.2	0.5	0.2	3.4
Foreign Exchange Effects - Cash Flow	0.7	0.2	0.4	0.6	0.3	(0.4)	0.1	(0.1)	(0.1)	0.1	0.9	1.7
Net Change in Cash - Total	38.5	5.1	(11.0)	10.8	1.6	(19.6)	4.2	9.5	0.9	1.6	10.3	5.2
Net Cash from Continuing Operations	38.5	5.1	(11.0)	10.8	1.6	(19.6)	4.2	9.5	0.9	1.6	10.3	5.2
Net Cash - Beginning Balance	99.8	95.4	106.6	96.2	95.1	114.9	110.3	100.9	99.8	98.2	87.9	83.7
Net Cash - Ending Balance	138.3	100.5	95.6	107.0	96.7	95.4	114.5	110.4	100.8	99.7	98.3	88.9
Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental	9.7	8.4	9.0	5.0	6.3	27.8	10.9	12.0	8.3	25.7	11.8	7.1
Interest Paid - Cash Flow - Supplemental	4.3	6.3	4.7	6.3	10.5	12.7	18.8	16.1	18.1	—	—	—
Interest & Dividends - Received - Cash Flow - Supplemental	18.7	19.6	20.5	23.1	26.7	43.9	40.6	41.3	38.6	0.0	0.0	0.1
CF from Optg Activities before Change in WC & Int Payments	6.6	9.5	10.8	17.3	21.0	19.1	30.3	29.7	30.5	(0.0)	14.0	14.8
Depreciation, Depletion & Amortization - Cash Flow	0.4	0.4	0.3	0.4	0.3	0.3	0.3	0.3	0.3	0.2	0.2	0.2
Free Cash Flow to Equity	25.6	16.6	27.2	7.0	(38.9)	(13.0)	(10.0)	(250.3)	313.6	(258.8)	34.3	95.5
Free Cash Flow Net of Dividends	28.3	5.4	5.3	25.2	(64.4)	(11.2)	(8.4)	(272.8)	291.2	(258.0)	27.2	91.7
Free Cash Flow	28.3	18.7	26.5	26.6	(57.8)	(11.2)	(8.4)	(230.4)	300.8	(258.0)	30.6	91.8

Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 12 periods; the table above goes back further.