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Sector

Commercial Banks sector

19 companies in the Commercial Banks sector have financials on Smart Money, worth Rs 4.63 tn together at the latest close. Their latest annual reports add up to revenue of Rs 2.72 tn and profit of Rs 671.4 bn; 19 of the 19 were profitable. The median company trades at 6.0× earnings and 0.90× book value; the median dividend payer yields 9.4%. The largest is United Bank Limited (UBL) at Rs 1.04 tn.

Companies
19
19 profitable
Market value
Rs 4.63 tn
at the close on 16 Oct 2026
Median P/E
6.0×
Median P/B 0.90×
Median dividend yield
9.4%
16 dividend payers
Median ROE
17.0%
Median net margin 22.2%

Sector leaders

Sector revenue and profit

Commercial Banks: combined revenue and profit by fiscal year Revenue Profit
Commercial Banks: combined revenue and profit by fiscal year Rs 2.72 tn Revenue FY2016: Rs 616.9 bn Profit FY2016: Rs 179.2 bn FY2016 Revenue FY2017: Rs 631.2 bn Profit FY2017: Rs 140.3 bn FY2017 Revenue FY2018: Rs 663.5 bn Profit FY2018: Rs 138.5 bn FY2018 Revenue FY2019: Rs 799.7 bn Profit FY2019: Rs 177.8 bn FY2019 Revenue FY2020: Rs 991.3 bn Profit FY2020: Rs 232.1 bn FY2020 Revenue FY2021: Rs 1.01 tn Profit FY2021: Rs 266.7 bn FY2021 Revenue FY2022: Rs 1.37 tn Profit FY2022: Rs 306.7 bn FY2022 Revenue FY2023: Rs 2.10 tn Profit FY2023: Rs 575.7 bn FY2023 Revenue FY2024: Rs 2.49 tn Profit FY2024: Rs 607.9 bn FY2024 Revenue FY2025: Rs 2.72 tn Profit FY2025: Rs 671.4 bn FY2025

Sum of the companies reporting each fiscal year (fiscal years end in different months for different companies); years with fewer than half the sector reporting are left out.

Commercial Banks companies

Sorted by market value; select a column heading to sort.

Commercial Banks companies on PSX
UBL Rs 415.25 Rs 1.04 tn 8.0× 2.06× 7.1% 31.5% 65.9% Rs 130.0 bn
MEBL Rs 547.85 Rs 986.4 bn 10.7× 3.35× 5.1% 33.8% -9.4% Rs 90.7 bn
MCB Rs 372.00 Rs 440.8 bn 7.7× 1.32× 9.7% 18.7% -1.0% Rs 58.4 bn
HBL Rs 290.79 Rs 426.5 bn 6.4× 0.88× 6.9% 14.9% 5.6% Rs 66.7 bn
NBP Rs 159.33 Rs 339.0 bn 4.5× 0.72× 22.0% 17.0% 32.8% Rs 85.0 bn
SCBPL Rs 59.99 Rs 232.3 bn 8.1× 2.10× 10.8% 25.2% -31.7% Rs 28.8 bn
ABL Rs 170.08 Rs 194.8 bn 5.7× 0.72× 9.4% 14.3% -5.9% Rs 36.3 bn
BAFL Rs 55.59 Rs 175.3 bn 5.2× 0.89× 9.4% 14.6% 7.9% Rs 27.8 bn
BAHL Rs 149.80 Rs 166.5 bn 5.9× 0.90× 10.0% 19.6% -12.1% Rs 32.4 bn
AKBL Rs 106.06 Rs 153.7 bn 6.0× 1.01× 4.7% 16.7% 31.7% Rs 22.9 bn
FABL Rs 91.54 Rs 138.9 bn 6.1× 1.18× 7.1% 19.7% 1.2% Rs 22.5 bn
HMB Rs 96.16 Rs 100.8 bn 5.0× 0.80× 12.5% 18.5% -1.9% Rs 22.7 bn
BOP Rs 28.80 Rs 94.2 bn 5.2× 0.92× 8.7% 15.9% 43.7% Rs 15.4 bn
BOK Rs 27.63 Rs 32.0 bn 6.1× 1.49× 11.6% 25.5% 26.7% Rs 5.8 bn
BIPL Rs 24.50 Rs 27.2 bn 7.5× 0.56× 11.2% 12.4% -11.7% Rs 6.0 bn
JSBL Rs 12.39 Rs 25.4 bn 4.3× 0.36× 0.0% 8.8% -4.6% Rs 5.8 bn
SNBL Rs 19.15 Rs 21.1 bn 4.6× 0.57× 7.8% 13.5% 10.9% Rs 4.6 bn
BML Rs 60.01 Rs 20.9 bn 0.4× 0.93× 0.0% 55.2% — Rs 8.8 bn
SBL Rs 13.48 Rs 13.6 bn 18.7× 0.72× 0.0% 4.0% -14.8% Rs 727.2 mn

Compare Commercial Banks companies

Commercial Banks sector: frequently asked questions

What is the P/E ratio of the Commercial Banks sector?

The median P/E of Commercial Banks companies on the Pakistan Stock Exchange is 6.0× at the latest close, counting only companies with positive earnings.

Which is the largest Commercial Banks company on PSX?

United Bank Limited (UBL) is the largest by market value, at Rs 1.04 tn.

Which Commercial Banks stock has the highest dividend yield?

National Bank of Pakistan (NBP) has the highest yield in the sector, 22.0%, based on its last annual dividend of Rs 35.00 per share and the latest close.

Which Commercial Banks company is the most profitable?

United Bank Limited (UBL) reported the largest profit in its latest annual results, Rs 130.0 bn for FY2025.

How many Commercial Banks companies are listed on PSX?

Smart Money has financial statements for 19 Commercial Banks companies listed on the Pakistan Stock Exchange.

Information only, not investment advice.