Soneri Bank Limited (SNBL) Financial Statements, Ratios & Dividends
About
Soneri Bank Ltd. engages in the provision of banking services. It operates through the following segments: Retail, Corporate, Islamic, Trading and sales, and Others. The Retail segment refers to all retail related lending and banking services such as staff, consumer, and small-medium enterprise financing. The Corporate segment includes financing and services provided to corporate customers including services in connection with mergers and acquisitions, underwriting, privatisation, securitisation, syndication, and initial public offers. The Islamis segment is composed of the Islamic branches' income and expenses. The Trade and Sales segment comprises of the fixed income, equity, foreign exchange, lending, and repos services. The Others segment covers the head office related activities. The company was founded on September 28, 1991 and is headquartered in Karachi, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 92.67B | 121.02B | |
| Net Income | 4.56B | 5.90B | |
| EPS | 4.13 | 5.35 | |
| ROE | 13.49% | 19.86% | |
| ROA | 0.57% | 0.84% | |
| Net Margin | 12.90% | 18.51% | |
| Current Ratio | 0.18 | 0.16 | |
| DPS | 1.50 | 3.00 | |
| Free Cash Flow | -44.56B | 102.19B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Interest Income | 84.52B | 114.21B | |
| Total Interest Expense | -57.33B | -89.15B | |
| Net Interest Income | 27.19B | 25.06B | |
| Loan Loss Provision | 564.80M | 471.34M | |
| Net Interest Income after LLP | 27.75B | 25.53B | |
| Non-Interest Income | 8.15B | 6.81B | |
| Commissions & Fees | 4.90B | 4.33B | |
| Foreign Exchange Income | 1.71B | 2.07B | |
| Non-Interest Expense | -24.25B | -19.78B | |
| Labor & Personnel | -9.41B | -7.46B | |
| Total Revenue | 92.67B | 121.02B | |
| Operating Income | 11.65B | 12.56B | |
| Pre-Tax Income | 11.61B | 12.64B | |
| Income Tax | -7.05B | -6.74B | |
| Minority Interest | 0 | 0 | |
| Net Income | 4.56B | 5.90B | |
| EPS (Basic) | 4.13 | 5.35 | |
| EPS (Diluted) | 4.13 | 5.35 | |
| Non-Interest Income / Revenue | 23.07% | 21.37% | |
| Operating Margin | 32.97% | 39.41% | |
| Net Margin | 12.90% | 18.51% | |
| Pre-Tax Margin | 12.52% | 10.44% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Regulatory Capital | |||
| CET1 Ratio | 10.06% | 12.24% | |
| Tier 1 Capital Ratio | 11.31% | 13.90% | |
| Tier 2 Capital Ratio | 3.57% | 3.79% | |
| Total Capital Ratio | 14.88% | 17.69% | |
| Tier 1 Capital | 32.27B | 30.14B | |
| Risk-Weighted Assets | 285.20B | 216.88B | |
| Asset Quality | |||
| Non-Performing Loans | 15.12B | 15.77B | |
| NPL Ratio (NPL/Gross Loans) | 0.07% | 0.06% | |
| Loan Loss Coverage | -0.23% | -0.26% | |
| NPL / Loan Loss Reserve | 2.07 | 1.94 | |
| Reserve / Gross Loans | 0.03% | 0.03% | |
| Profitability | |||
| Return on Equity (ROE) | 13.49% | 19.86% | |
| Return on Assets (ROA) | 0.57% | 0.84% | |
| Operating Margin | 32.97% | 39.41% | |
| Net Margin | 12.90% | 18.51% | |
| Yield on Earning Assets | 12.44% | 19.85% | |
| Interest Income / Deposits | 5.13% | 5.47% | |
| Deposit & Loan Structure | |||
| Deposits / Total Assets | 0.67% | 0.66% | |
| Loans / Deposits (ADR) | 0.40% | 0.53% | |
| Loans / Total Assets | 0.27% | 0.35% | |
| Equity / Deposits | 0.06% | 0.06% | |
| Cash / Deposits | 0.99% | 0.89% | |
| CASA Ratio | 0.32% | 0.30% | |
| Per Share | |||
| Book Value Per Share | 33.37 | 27.95 | |
| Tangible Book Per Share | 32.92 | 27.59 | |
| Shares & Market | |||
| Total Shares Outstanding | 1,102,463,481 | 1,102,463,481 | |
| Market Cap | 29.39B | 19.54B | |
| Enterprise Value | 162.10B | 150.98B | |
| Employees | 5,657 | 5,021 | |
| Shareholders | 9,604 | 9,604 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 1.50 | 3.00 | |
| Dividend Yield | 5.63% | 16.93% | |
| Payout Ratio | 36.28% | 56.05% | |
| Total Dividends Paid | -1.91B | -4.62B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 6.45 | 3.31 | |
| P/B Ratio | 0.80 | 0.63 | |
| P/S Ratio | 0.83 | 0.61 | |
| P/CF Ratio | — | 0.18 | |
| Market Cap | 29.39B | 19.54B | |
| Enterprise Value | 162.10B | 150.98B |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 91.29B | |
| Operating Income | 9.72B | |
| Net Income | 4.46B | |
| Free Cash Flow | -77.26B | |
| EPS (Basic) | 4.04 | |
| Margins | ||
| Operating Margin | 28.35% | |
| Net Margin | 13.00% | |
| Returns | ||
| Return on Equity (ROE) | 13.00% | |
| ROIC | 0.02% | |
| Coverage & Debt | ||
| Dividend Coverage | 5.80 | |
| Debt / Revenue | 2.34 | |
| Valuation & Scores | ||
| P/E (TTM) | 4.78 | |
| Sloan Ratio | 15.83 | |
| Zmijewski Score | 1.09 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 13.49% | |
| Return on Tangible Equity | 13.66% | |
| Return on Tangible Assets | 0.57% | |
| Return on Total Capital | 5.25% | |
| ROCE | 4.10% | |
| Growth | ||
| EPS Diluted Growth | -0.23% | |
| Sustainable Growth Rate | 8.59% | |
| Quality & Risk Scores | ||
| Zmijewski Score | 1.08 | |
| Sloan Ratio | 15.28 | |
| Valuation (Computed) | ||
| Graham Number | 55.71 | |
| Tobin's Q Ratio | 0.03 | |
| Leverage & Coverage | ||
| Total Debt / Capital | 0.84% | |
| Assets / Equity (Leverage) | 23.38 | |
| Effective Interest Rate | 7.56% | |
| Debt / Revenue | 2.11 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 3.85 | |
| Dividends (Computed) | ||
| Dividend Coverage | 4.41 | |
| Share Buyback Ratio | 0.00 | |
| Per Employee | ||
| Revenue / Employee | 6.25M | |
| Net Income / Employee | 805.7K | |
| Oper. Income / Employee | 2.06M | |
| Total Assets / Employee | 152.03M | |
| Balance Sheet (Computed) | ||
| Earnings Schedule | ||