SCBPL Standard Chartered Bank (Pak) Ltd

Standard Chartered Bank (Pak) Ltd (SCBPL) financial ratios

Standard Chartered Bank (Pak) Ltd earned a net margin of 36.2% in FY2025 against a five-year average of 36.8% (Commercial Banks median 22.2%). Return on equity was 25.2%, compared with a sector median of 17.0%.

FY2025 vs the Commercial Banks median

Net margin: 36.2%; Sector median 22.2%
Return on equity (ROE): 25.2%; Sector median 17.0%
Return on assets (ROA): 3.0%; Sector median 1.2%
Debt to equity: 29.9%; Sector median 253.4%
Dividend payout ratio: 121.1%; Sector median 50.4%

Median of the 19 companies in the sector with the figure for their latest fiscal year.

SCBPL financial ratios (annual) (Rs mn)
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
Profitability
Pre-tax margin	73.6%	86.5%	83.1%	80.1%	66.6%	57.9%	69.8%	64.9%	52.9%	58.5%	52.5%	54.7%	67.5%	34.6%	31.9%	25.0%	11.4%	7.1%	25.7%	53.2%
Net margin	36.2%	39.6%	39.7%	31.7%	36.9%	32.2%	41.1%	39.5%	32.4%	36.7%	31.7%	34.9%	44.1%	22.5%	20.6%	16.2%	6.6%	4.5%	17.8%	41.5%
Effective tax rate	50.8%	54.2%	52.2%	60.4%	44.6%	44.4%	41.1%	39.1%	38.7%	37.3%	39.6%	36.1%	34.6%	35.1%	35.3%	35.0%	42.4%	36.7%	30.8%	22.0%
Returns
Return on equity (ROE)	25.2%	43.1%	46.4%	23.7%	17.0%	17.0%	22.9%	17.3%	13.3%	15.6%	15.1%	16.5%	19.1%	10.9%	10.3%	7.4%	1.8%	1.5%	6.7%	—
Return on assets (ROA)	3.0%	4.5%	4.4%	2.2%	1.8%	2.0%	2.7%	2.1%	1.7%	2.1%	2.1%	2.4%	2.7%	1.6%	1.6%	1.2%	0.3%	0.3%	1.1%	—
Leverage
Debt to equity	29.9%	35.9%	70.6%	51.1%	67.4%	45.1%	44.8%	60.9%	71.5%	45.2%	57.6%	40.9%	50.7%	68.5%	46.6%	45.2%	47.2%	35.7%	36.9%	72.6%
Debt to capital	23.0%	26.4%	41.4%	33.8%	40.3%	31.1%	30.9%	37.9%	41.7%	31.1%	36.5%	29.0%	33.6%	40.7%	31.8%	31.1%	32.1%	26.3%	27.0%	42.1%
Debt to assets	3.8%	4.0%	6.8%	4.8%	6.4%	5.1%	5.3%	7.1%	8.8%	5.9%	8.0%	6.0%	7.1%	9.5%	7.1%	7.2%	7.2%	5.8%	6.3%	11.9%
Assets to equity	8.46×	9.63×	10.50×	10.57×	9.68×	8.68×	8.53×	8.37×	7.94×	7.47×	7.00×	6.94×	7.16×	6.87×	6.42×	6.40×	6.34×	6.02×	5.99×	—
Dividends
Dividend payout ratio	121.1%	29.4%	59.0%	58.5%	70.5%	51.6%	30.2%	51.7%	82.2%	80.5%	83.4%	90.2%	82.5%	130.2%	70.8%	63.4%	0.0%	0.0%	0.0%	0.0%
Earnings retention rate	(0.21×)	0.71×	0.41×	0.41×	0.29×	0.48×	0.70×	0.48×	0.18×	0.19×	0.17×	0.10×	0.18×	(0.30×)	0.29×	0.37×	1.00×	1.00×	1.00×	1.00×

Ratios as reported for each fiscal year; returns are on average equity / assets. Debt ratios are percentages; turnover in times; working-capital measures in days.

SCBPL: frequently asked questions

What is SCBPL's EPS?

Standard Chartered Bank (Pak) Ltd reported basic earnings per share of Rs 7.43 for FY2025 (Jan – Dec 2025).

What is SCBPL's P/E ratio?

At the closing price of Rs 59.91 on 16 Oct 2026, SCBPL trades at a P/E of 8.1× based on EPS of Rs 7.43 (FY2025).

Does SCBPL pay dividends?

Yes. Standard Chartered Bank (Pak) Ltd declared a dividend of Rs 6.50 per share for FY2025. It has paid a dividend in each of the last 16 years. At Rs 59.91 that is a dividend yield of 10.8%.

What was SCBPL's total income and profit in FY2025?

Standard Chartered Bank (Pak) Ltd reported total income of Rs 79.4 bn and profit attributable to shareholders of Rs 28.8 bn for FY2025 (Jan – Dec 2025).

What is SCBPL's book value per share?

Standard Chartered Bank (Pak) Ltd's book value per share was Rs 28.53 at the end of FY2025. The shares trade at 2.10× book value.

Information only, not investment advice.