Samba Bank FY2025 profit up 4%

February 18, 2026 (MLN): Samba Bank Limited (PSX:SBL) reported a net profit of Rs727.2m for the year ended December 31, 2025, which represents a 4% increase from the Rs699.3m profit recorded in the previous year.

The bank's earnings per share rose to Rs0.72 from Rs0.69 in the corresponding period.

The bank's mark-up or return or interest earned declined 23% year-on-year to Rs22.11bn from Rs28.72bn.

Mark-up or return or interest expensed decreased 23% to Rs16.52bn from Rs21.39bn, resulting in a net mark-up or return or interest income of Rs5.59bn, down 24% from Rs7.33bn in the prior year.

Total non-mark-up or interest income rose 26% to Rs2.13bn from Rs1.69bn, providing a partial offset to the decline in interest income.

Fee and commission income increased 13% to Rs412.1m from Rs365.1m, while dividend income declined 13% to Rs60.1m from Rs69.1m.

Foreign exchange income decreased 23% to Rs779.3m from Rs1.01bn.

The bank recorded a gain on securities of Rs808.1m, up 2.8 times from Rs212.3m in the prior year, which  marks a significant contributor to non-interest income growth. Other income surged 2.2 times to Rs68.8m from Rs31m.

Total income declined 14% to Rs7.72bn from Rs9.01bn in FY2024.

Total non-mark-up or interest expenses increased modestly by 3% to Rs5.52bn from Rs5.35bn, while demonstrating disciplined cost management.

Operating expenses rose 4% to Rs5.49bn from Rs5.30bn, while workers' welfare fund declined 44% to Rs31.1m from Rs55m.

Other charges increased 18% to Rs330,000 from Rs280,000.

Profit before taxation stood at Rs1.56bn, virtually flat compared to Rs1.55bn in the corresponding period last year.

The bank recorded a taxation expense of Rs828.6m, down 3% from Rs850.4m, allowing the modest pre-tax performance to translate into a 4% improvement at the net level.

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