SNBL Soneri Bank Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 19.18 +0.84%
Quarterly · Q3 FY2021 – Q2 FY2026
Soneri Bank Limited (SNBL) quarterly cash flow statement
Operating activities generated Rs 8.2 bn of cash in Q2 FY2026 (Apr – Jun 2026), down 55.2% on Q2 FY2025. Capital expenditure was Rs 1.2 bn. Dividends paid to shareholders came to Rs 18.3 mn. Overall, cash increased by Rs 6.6 bn.
| Rs bn | TTM to Jun 2026 | Q2 FY2026 Apr – Jun 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | 26.4 | 8.2 | 12.9 | (18.6) | 23.8 | 18.3 | 99.4 | (17.7) | (28.6) | 99.7 | 18.7 | 2.0 | 24.5 | (10.7) | 57.1 | (22.3) | (31.6) | (26.0) | 27.2 | 69.6 | (43.2) |
| Capital expenditure | (5.4) | (1.2) | (1.2) | (1.4) | (1.6) | (1.5) | (1.0) | — | (1.5) | (2.4) | (1.5) | (2.4) | (1.0) | (0.7) | (1.1) | (2.0) | (0.2) | (0.1) | (0.8) | (0.4) | (0.5) |
| Net cash from investing activities | (11.2) | (0.9) | (20.4) | 23.6 | (13.5) | (20.7) | (93.2) | 15.0 | 32.3 | (96.7) | (12.8) | (6.3) | (21.9) | 20.3 | (46.7) | 10.1 | 30.9 | 34.8 | (30.4) | (73.8) | 53.3 |
| Dividends paid | — | (0.0) | (1.6) | (0.0) | — | (0.0) | (1.9) | (0.0) | (1.3) | — | (3.3) | (0.0) | (0.0) | (0.1) | (0.9) | — | (0.0) | (0.3) | (1.4) | — | 0.0 |
| Net cash from financing activities | (4.0) | (0.7) | (2.2) | (0.5) | (0.5) | (0.7) | (2.3) | (0.5) | (1.8) | (0.6) | (3.6) | (0.7) | (0.0) | (0.4) | (1.3) | 0.7 | (0.2) | (0.5) | (1.6) | 0.0 | (0.0) |
| Net change in cash | 11.2 | 6.6 | (9.7) | 4.5 | 9.8 | (3.0) | 3.8 | (3.2) | 1.8 | 2.5 | 2.3 | (5.0) | 2.5 | 9.2 | 9.1 | (11.5) | (1.0) | 8.3 | (4.8) | (4.2) | 10.1 |
| Rs mn | Q2 FY2026 Apr – Jun 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | -55.2% | -87.0% | — | — | -81.6% | +431.1% | -996.5% | -217.0% | — | -67.2% | — | — | — | +110.1% | -132.1% | — | -165.2% | +831.3% | +89.9% | -10,679.9% |
| Capital expenditure | -21.2% | +28.7% | — | +5.3% | -36.4% | -38.2% | — | +42.6% | +255.1% | +45.4% | +21.7% | +340.5% | +349.4% | +37.4% | +390.2% | -50.0% | -42.0% | +90.2% | -74.5% | +92.8% |
| Net cash from investing activities | — | — | +58.0% | -141.9% | — | — | — | — | -577.3% | — | -162.0% | -170.9% | -41.8% | — | — | -42.1% | — | — | — | +2,421.4% |
| Dividends paid | -34.4% | -13.1% | +63.4% | — | — | -43.1% | +64.4% | +96,135.1% | — | +249.3% | — | -57.2% | -43.0% | -31.5% | — | — | — | +0.3% | — | — |
| Net cash from financing activities | — | — | — | — | — | — | — | — | — | — | -195.3% | — | — | — | +69,107,600.0% | — | — | — | — | — |
| Net change in cash | — | -357.7% | — | +430.5% | -221.8% | +64.9% | — | -27.3% | -72.7% | -74.8% | — | — | +10.4% | — | — | -109.5% | -9.4% | — | -520.5% | +300.0% |
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. Updated 17 Oct 2026.
All reported line items 56
| Rs bn | Q2 FY2026 Apr – Jun 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profit/(Loss) - Starting Line - Cash Flow | 2.0 | 2.8 | 2.0 | 2.9 | 3.3 | 3.3 | 3.0 | 3.1 | 2.9 | 3.6 | 3.9 | 3.2 |
| Non-cash Items & Reconciliation Adjustments - Cash Flow | (5.1) | (5.2) | (5.6) | (5.5) | (6.5) | (5.8) | (5.0) | (5.5) | (10.9) | 0.3 | 1.1 | 1.2 |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | (6.0) | (6.3) | (6.8) | (6.2) | (7.3) | (6.7) | (6.4) | (6.2) | (11.3) | (0.3) | 0.3 | 0.8 |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 1.1 | 1.0 | 0.9 | 0.8 | 0.8 | 0.8 | 1.0 | 0.7 | 0.6 | 0.6 | 0.8 | 0.5 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 1.0 | 0.9 | 0.8 | 0.8 | 0.7 | 0.8 | 0.9 | 0.6 | 0.6 | 0.6 | 0.8 | 0.4 |
| Amortization - Intangible Assets & Deferred Charges - Cash Flow - to Reconcile | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Impairment - Financial Fixed Assets - Operating - Cash Flow - to Reconcile | — | — | — | — | — | — | — | — | — | — | (0.0) | — |
| Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (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) | (0.0) | (0.0) | (0.0) | (0.0) |
| Financial Assets - Unrealized Gain/(Loss) - Cash Flow - to Reconcile | (0.1) | 0.1 | 0.3 | (0.1) | (0.0) | 0.1 | 0.4 | 0.0 | (0.2) | 0.0 | 0.0 | (0.0) |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 1.0 | 1.1 | 1.5 | 0.9 | 2.7 | 3.5 | 3.2 | 2.6 | 2.9 | 1.5 | 1.8 | 1.7 |
| Interest Paid - Cash | 15.6 | 15.5 | 11.7 | 13.2 | 15.9 | 16.0 | 20.6 | 24.4 | 44.4 | — | — | — |
| Interest & Dividends - Received - Total - Cash Flow | 25.9 | 14.0 | 25.8 | 16.2 | 28.6 | 15.1 | 37.5 | 26.4 | 52.5 | 0.0 | 0.1 | 0.0 |
| Cash Flow from Operating Activities before Changes in Working Capital | 6.2 | (4.9) | 9.0 | (0.5) | 6.9 | (6.9) | 11.7 | (3.1) | (2.7) | 2.4 | 3.3 | 2.8 |
| Working Capital - Increase/(Decrease) - Cash Flow | 2.1 | 17.8 | (27.5) | 24.4 | 11.4 | 106.2 | (29.4) | (25.6) | 102.5 | 16.3 | (1.3) | 21.7 |
| Other Assets - Decrease/(Increase) - Cash Flow | (0.2) | 5.3 | (8.3) | 2.8 | 2.1 | (1.3) | (0.2) | (1.6) | 4.2 | 45.6 | (49.4) | 1.7 |
| Lending & Deposits - Due from Banks - Long-Term - Decrease/(Increase) - Cash Flow | (18.2) | 30.6 | (24.1) | 9.0 | (3.8) | (3.1) | (2.7) | 4.9 | 13.3 | (24.2) | 15.8 | (11.0) |
| Investment Securities - Decrease/(Increase) - Operating - Cash Flow | (15.0) | 0.0 | 0.3 | 7.3 | (7.1) | 9.8 | (0.2) | (10.1) | 1.4 | (3.0) | 44.3 | (39.5) |
| Loans - Customer - Decrease/(Increase) - Cash Flow | (11.5) | (8.9) | (19.6) | (2.6) | 5.0 | 45.1 | (45.8) | 17.7 | 2.5 | (13.9) | (23.2) | 2.6 |
| Other Liabilities - Increase/(Decrease) -Total - Cash Flow | 1.0 | (9.5) | 10.9 | (3.4) | 4.3 | (8.4) | 5.3 | 1.8 | 0.2 | 2.8 | (0.4) | (1.3) |
| Deposits - Increase/(Decrease) - Total - Cash Flow | 99.2 | (4.1) | 60.0 | (4.3) | 62.1 | 28.1 | (36.9) | (17.3) | 45.7 | 33.8 | 7.4 | 36.3 |
| Collateralized Agreements, Reverse REPOs & Securities Borrowed (Liabilities) - Increase/(Decrease) - Cash Flow | (53.2) | 4.3 | (46.6) | 15.6 | (51.2) | 36.0 | 51.1 | (20.9) | 35.1 | (24.8) | 4.3 | 32.8 |
| Net Cash Flow from Operating Activities | 8.2 | 12.9 | (18.6) | 23.8 | 18.3 | 99.4 | (17.7) | (28.6) | 99.7 | 18.7 | 2.0 | 24.5 |
| Capital Expenditures - Net - Cash Flow | 1.2 | 1.2 | 1.3 | 1.5 | 1.5 | 0.9 | (1.0) | 1.5 | 2.2 | 1.5 | 2.4 | 1.0 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 1.2 | 1.2 | 1.4 | 1.5 | 1.4 | 0.9 | (1.0) | 1.5 | 2.2 | 1.5 | 2.4 | 1.0 |
| Property, Plant & Equipment - Purchased - Cash Flow | 1.2 | 1.2 | 1.4 | 1.5 | 1.4 | 1.0 | — | 1.5 | 2.4 | 1.5 | 2.4 | 1.0 |
| Property, Plant & Equipment Sold - Cash Flow | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1.0 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 |
| Intangible Assets - Purchased/(Sold) - Net - Total - Cash Flow | — | — | (0.1) | 0.0 | 0.1 | — | — | — | — | — | — | — |
| Intangible Assets - Purchased/Acquired - Cash Flow | — | — | — | 0.0 | 0.1 | — | — | — | — | — | — | — |
| Intangible Assets - Net - Cash Flow | — | — | (0.1) | — | — | — | — | — | — | — | — | — |
| Capital Expenditures - Total | 1.2 | 1.2 | 1.4 | 1.6 | 1.5 | 1.0 | — | 1.5 | 2.4 | 1.5 | 2.4 | 1.0 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | 0.2 | (19.2) | 24.9 | (12.0) | (19.2) | (92.3) | 14.0 | 33.7 | (94.5) | (11.2) | (3.9) | (20.9) |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | 0.2 | (19.2) | 24.9 | (12.0) | (19.2) | (92.3) | 14.0 | 33.7 | (94.5) | (11.2) | (3.9) | (20.9) |
| Net Cash Flow from Investing Activities | (0.9) | (20.4) | 23.6 | (13.5) | (20.7) | (93.2) | 15.0 | 32.3 | (96.7) | (12.8) | (6.3) | (21.9) |
| Dividends Paid - Cash - Total - Cash Flow | 0.0 | 1.6 | 0.0 | — | 0.0 | 1.9 | 0.0 | 1.3 | — | 3.3 | 0.0 | 0.0 |
| Dividends - Common - Cash Paid | 0.0 | 1.6 | 0.0 | — | 0.0 | 1.9 | 0.0 | 1.3 | — | 3.3 | 0.0 | 0.0 |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | (0.6) | (0.6) | (0.5) | (0.5) | (0.7) | (0.5) | (0.5) | (0.4) | (0.6) | (0.3) | (0.7) | (0.0) |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (0.6) | (0.6) | (0.5) | (0.5) | (0.7) | (0.5) | (0.5) | (0.4) | (0.6) | (0.3) | (0.7) | (0.0) |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (0.6) | (0.6) | (0.5) | (0.5) | (0.7) | (0.5) | (0.5) | (0.4) | (0.6) | (0.3) | (0.7) | (0.0) |
| Debt - Reduced - Long-Term - Cash Flow | 0.6 | 0.6 | 0.5 | 0.5 | 0.7 | 0.5 | 0.5 | 0.4 | 0.6 | 0.3 | 0.7 | 0.0 |
| 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 | 0.6 | 0.5 | 0.5 | 0.7 | 0.5 | 0.5 | 0.4 | 0.6 | 0.3 | 0.7 | 0.0 |
| Other Financing Cash Flow - Increase/(Decrease) | — | — | — | 0.0 | — | — | — | — | 0.0 | — | — | — |
| Net Cash Flow from Financing Activities | (0.7) | (2.2) | (0.5) | (0.5) | (0.7) | (2.3) | (0.5) | (1.8) | (0.6) | (3.6) | (0.7) | (0.0) |
| Non-Classified Cash Flows | (0.0) | (0.0) | 0.0 | 0.0 | (0.0) | (0.0) | (0.0) | 0.0 | (0.0) | (0.0) | — | — |
| Net Change in Cash - Total | 6.6 | (9.7) | 4.5 | 9.8 | (3.0) | 3.8 | (3.2) | 1.8 | 2.5 | 2.3 | (5.0) | 2.5 |
| Net Cash from Continuing Operations | 6.6 | (9.7) | 4.5 | 9.8 | (3.0) | 3.8 | (3.2) | 1.8 | 2.5 | 2.3 | (5.0) | 2.5 |
| Net Cash - Beginning Balance | 52.5 | 62.2 | 57.7 | 47.9 | 51.0 | 47.2 | 50.4 | 48.5 | 46.0 | 43.7 | 48.7 | 46.2 |
| Net Cash - Ending Balance | 59.1 | 52.5 | 62.2 | 57.7 | 47.9 | 51.0 | 47.2 | 50.4 | 48.5 | 46.0 | 43.7 | 48.7 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 1.0 | 1.1 | 1.5 | 0.9 | 2.7 | 3.5 | 3.2 | 2.6 | 2.9 | 1.5 | 1.8 | 1.7 |
| Interest Paid - Cash Flow - Supplemental | 15.6 | 15.5 | 11.7 | 13.2 | 15.9 | 16.0 | 20.6 | 24.4 | 44.4 | — | — | — |
| Interest & Dividends - Received - Cash Flow - Supplemental | 25.9 | 14.0 | 25.8 | 16.2 | 28.6 | 15.1 | 37.5 | 26.4 | 52.5 | 0.0 | 0.1 | 0.0 |
| CF from Optg Activities before Change in WC & Int Payments | 21.8 | 10.5 | 20.7 | 12.6 | 22.8 | 9.1 | 32.3 | 21.3 | 41.6 | 2.4 | 3.3 | 2.8 |
| Depreciation, Depletion & Amortization - Cash Flow | 1.1 | 1.0 | 0.9 | 0.8 | 0.8 | 0.8 | 1.0 | 0.7 | 0.6 | 0.6 | 0.8 | 0.5 |
| Free Cash Flow to Equity | 6.4 | 11.1 | (20.4) | 21.8 | 16.2 | 98.0 | (17.1) | (30.5) | 96.9 | 16.8 | (1.1) | 23.4 |
| Free Cash Flow Net of Dividends | 7.0 | 10.0 | (20.0) | 22.3 | 16.8 | 96.5 | (17.7) | (31.5) | 97.4 | 13.9 | (0.4) | 23.4 |
| Free Cash Flow | 7.0 | 11.7 | (20.0) | 22.3 | 16.8 | 98.4 | (17.7) | (30.1) | 97.4 | 17.2 | (0.4) | 23.4 |
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.