Last close · 16 Oct 2026
Rs 19.18 +0.84%
Financials
Soneri Bank Limited (SNBL) financials
20 years of annual results (FY2006 – FY2025).
Soneri Bank Limited (SNBL) reported total income of Rs 35.3 bn for FY2025 (Jan – Dec 2025), up 10.9% from FY2024.
Profit attributable to shareholders was Rs 4.6 bn (EPS Rs 4.13), down 22.8%.
It declared a dividend of Rs 1.50 per share for FY2025 and has paid a dividend in each of the last 12 years.
Deposits stood at Rs 689.1 bn and net advances at Rs 214.3 bn, an advances-to-deposits ratio of 31.1%.
Return on equity was 13.5%.
Over the last five years total income grew at a compound 19.6% a year.
At Rs 19.18 (close on 16 Oct 2026) the shares trade at 4.6× earnings (FY2025) and 0.57× book value, with a dividend yield of 7.8%.
Fundamentals
SNBL at a glance
Total income · FY2025
Rs 35.3 bn
▲ 10.9% year on year
Profit attributable to shareholders · FY2025
Rs 4.6 bn
▼ 22.8% year on year
EPS – basic (Rs) · FY2025
Rs 4.13
▼ 22.8% year on year
Dividend per share (Rs) · FY2025
Rs 1.50
▼ 50.0% year on year
Deposits · FY2025
Rs 689.1 bn
▲ 26.9% year on year
Return on equity (ROE) · FY2025
13.5%
-6.4 pts year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Total income · FY2025
- Rs 35.3 bn
- Profit attributable · FY2025
- Rs 4.6 bn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 852.5 bn
- Equity · FY2025
- Rs 36.8 bn
Financial highlights
SNBL 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 | 27.2 | 25.1 | 23.0 | 11.5 | 11.3 | 10.8 | 8.3 | 7.2 | 6.7 | 7.0 |
| Total non-interest income | 8.1 | 6.8 | 6.2 | 4.8 | 3.6 | 3.6 | 2.5 | 3.0 | 3.2 | 2.5 |
| Total income | 35.3 | 31.8 | 29.1 | 16.3 | 14.9 | 14.4 | 10.8 | 10.2 | 9.9 | 9.6 |
| Operating expenses | (23.4) | (19.1) | (16.7) | (11.8) | (10.1) | (9.6) | (7.5) | (7.3) | (7.0) | (6.5) |
| Provisions & impairment (loans) | (0.6) | (0.4) | 1.3 | (0.4) | (0.1) | 0.7 | (0.7) | (0.1) | 0.1 | 0.0 |
| Profit before tax | 11.6 | 12.6 | 12.4 | 4.6 | 5.1 | 4.0 | 3.2 | 2.9 | 2.8 | 3.1 |
| Profit attributable to shareholders | 4.6 | 5.9 | 6.1 | 1.9 | 2.9 | 2.4 | 1.9 | 1.8 | 1.7 | 1.9 |
| EPS – basic (Rs) Rs | 4.13 | 5.35 | 5.51 | 1.71 | 2.59 | 2.18 | 1.73 | 1.62 | 1.51 | 1.70 |
| Dividend per share (Rs) Rs | 1.50 | 3.00 | 3.00 | 1.00 | 1.50 | 1.25 | 1.00 | 1.00 | 0.75 | 1.25 |
| Advances (net) | 214.3 | 243.4 | 205.8 | 208.4 | 168.7 | 166.5 | 205.4 | 186.5 | 165.9 | 125.3 |
| Deposits | 689.1 | 543.1 | 517.9 | 409.6 | 403.0 | 345.5 | 302.1 | 262.4 | 227.3 | 209.9 |
| Total assets | 852.5 | 739.5 | 658.6 | 579.8 | 579.5 | 485.3 | 442.5 | 382.5 | 325.2 | 281.8 |
| Equity attributable to shareholders | 36.8 | 30.8 | 28.6 | 21.1 | 21.6 | 23.2 | 20.2 | 18.0 | 18.5 | 18.3 |
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.