SCBPL Major Banks
Finance
58.43 -2.67%
Mkt Cap
232.4B
P/E (TTM)
9.68
EPS (TTM)
6.20
ROE (TTM)
21.52%
Div Yield
10.27%
Standard Chartered Bank (Pak) Ltd (SCBPL) Financial Statements, Ratios & Dividends
About
Standard Chartered Bank (Pakistan) Ltd. engages in the provision of commercial banking services. It operates through the following segments: Corporate and Investment Banking (CIB), Wealth and Retail Banking (WRB), and Central and Other Items. The CIB segment consists of global subsidiaries, international corporates, local corporates and small and medium sized clients, financial institutions, and sovereign clients. The WRB segment serves priority, premium, personal, and business banking clients providing product and service including wealth management, deposits, secured lending, and unsecured lending. The Central and Other Items segment refers to the treasury-markets asset and liability management, and specific strategic investments. The company was founded on July 19, 2006 and is headquartered in Karachi, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 106.21B | 180.90B | |
| Net Income | 28.78B | 46.07B | |
| EPS | 7.43 | 11.90 | |
| ROE | 25.23% | 43.06% | |
| ROA | 2.95% | 4.44% | |
| Net Margin | 36.50% | 39.96% | |
| Current Ratio | 0.64 | 0.68 | |
| DPS | 6.50 | 9.00 | |
| Free Cash Flow | 39.58B | 15.18B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Interest Income | 88.95B | 159.23B | |
| Total Interest Expense | -27.35B | -65.62B | |
| Net Interest Income | 61.60B | 93.61B | |
| Loan Loss Provision | 420.42M | 3.60B | |
| Net Interest Income after LLP | 62.02B | 97.22B | |
| Non-Interest Income | 17.26B | 21.66B | |
| Commissions & Fees | 2.26B | 2.35B | |
| Foreign Exchange Income | 9.46B | 10.33B | |
| Non-Interest Expense | -21.86B | -20.01B | |
| Labor & Personnel | -11.72B | -11.13B | |
| Total Revenue | 106.21B | 180.90B | |
| Operating Income | 57.42B | 98.87B | |
| Pre-Tax Income | 58.49B | 100.62B | |
| Income Tax | -29.71B | -54.55B | |
| Minority Interest | 0 | 0 | |
| Net Income | 28.78B | 46.07B | |
| EPS (Basic) | 7.43 | 11.90 | |
| EPS (Diluted) | 7.43 | 11.90 | |
| Non-Interest Income / Revenue | 21.88% | 18.79% | |
| Operating Margin | 72.81% | 85.77% | |
| Net Margin | 36.50% | 39.96% | |
| Pre-Tax Margin | 55.07% | 55.62% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Regulatory Capital | |||
| CET1 Ratio | 19.67% | 20.61% | |
| Tier 1 Capital Ratio | 19.67% | 20.61% | |
| Tier 2 Capital Ratio | 2.21% | 2.88% | |
| Total Capital Ratio | 21.88% | 23.48% | |
| Tier 1 Capital | 87.80B | 93.97B | |
| Risk-Weighted Assets | 446.46B | 455.98B | |
| Asset Quality | |||
| Non-Performing Loans | 32.08B | 16.82B | |
| NPL Ratio (NPL/Gross Loans) | 0.14% | 0.07% | |
| Loan Loss Coverage | 1.12% | 0.34% | |
| NPL / Loan Loss Reserve | 1.79 | 0.89 | |
| Reserve / Gross Loans | 0.08% | 0.08% | |
| Profitability | |||
| Return on Equity (ROE) | 25.23% | 43.06% | |
| Return on Assets (ROA) | 2.95% | 4.44% | |
| Operating Margin | 72.81% | 85.77% | |
| Net Margin | 36.50% | 39.96% | |
| Yield on Earning Assets | 11.10% | 18.63% | |
| Interest Income / Deposits | 8.64% | 12.49% | |
| Deposit & Loan Structure | |||
| Deposits / Total Assets | 0.71% | 0.75% | |
| Loans / Deposits (ADR) | 0.38% | 0.28% | |
| Loans / Total Assets | 0.27% | 0.21% | |
| Equity / Deposits | 0.18% | 0.15% | |
| Cash / Deposits | 0.94% | 0.98% | |
| CASA Ratio | 0.59% | 0.48% | |
| Per Share | |||
| Book Value Per Share | 28.53 | 30.41 | |
| Tangible Book Per Share | 21.79 | 23.67 | |
| Shares & Market | |||
| Total Shares Outstanding | 3,871,585,021 | 3,871,585,021 | |
| Market Cap | 264.74B | 205.19B | |
| Enterprise Value | 204.97B | 163.57B | |
| Employees | 1,800 | 1,900 | |
| Shareholders | 7,937 | 7,937 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 6.50 | 9.00 | |
| Dividend Yield | 9.51% | 16.98% | |
| Payout Ratio | 87.44% | 75.64% | |
| Total Dividends Paid | -42.47B | -52.06B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 9.20 | 4.45 | |
| P/B Ratio | 2.40 | 1.74 | |
| P/S Ratio | 3.36 | 1.78 | |
| P/CF Ratio | 6.48 | 12.25 | |
| Market Cap | 264.74B | 205.19B | |
| Enterprise Value | 204.97B | 163.57B |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 90.89B | |
| Operating Income | 48.70B | |
| Net Income | 24.00B | |
| Free Cash Flow | 23.03B | |
| EPS (Basic) | 6.20 | |
| Margins | ||
| Operating Margin | 69.84% | |
| Net Margin | 34.41% | |
| Returns | ||
| Return on Equity (ROE) | 21.52% | |
| ROIC | 0.16% | |
| Coverage & Debt | ||
| Dividend Coverage | 0.56 | |
| Debt / Revenue | 0.51 | |
| Valuation & Scores | ||
| P/E (TTM) | 9.68 | |
| Sloan Ratio | -6.47 | |
| Zmijewski Score | 0.55 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 25.23% | |
| Return on Tangible Equity | 32.71% | |
| Return on Tangible Assets | 3.03% | |
| Return on Total Capital | 35.56% | |
| ROCE | 23.43% | |
| Growth | ||
| EPS Diluted Growth | -0.38% | |
| Sustainable Growth Rate | 3.17% | |
| Quality & Risk Scores | ||
| Zmijewski Score | 0.49 | |
| Sloan Ratio | -23.20 | |
| Valuation (Computed) | ||
| Graham Number | 69.08 | |
| Tobin's Q Ratio | 0.30 | |
| Leverage & Coverage | ||
| Total Debt / Capital | 0.27% | |
| Assets / Equity (Leverage) | 8.01 | |
| Effective Interest Rate | 5.64% | |
| Debt / Revenue | 0.38 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 8.48 | |
| Dividends (Computed) | ||
| Dividend Coverage | 0.72 | |
| Share Buyback Ratio | 0.00 | |
| Per Employee | ||
| Revenue / Employee | 43.81M | |
| Net Income / Employee | 15.99M | |
| Oper. Income / Employee | 31.90M | |
| Total Assets / Employee | 491.27M | |
| Balance Sheet (Computed) | ||
| Earnings Schedule | ||