KARACHI: Standard Chartered Bank Pakistan Limited (SCBPL) delivered a resilient financial performance with a profit before tax of Rs 58.5 billion compared to Rs 100.6 billion last year.
Revenue was lower year on year primarily due to sharp reduction in interest rates. The impact of margin compression on revenue was partially offset by a decrease in cost of funds.
Despite a high inflationary environment and continuous investments in our infrastructure, operating expenses were well managed through efficiencies and disciplined spending, with an increase of 6 percent from last year. Moreover, a prudent risk approach coupled with strong recoveries of bad debts led to a net release of Rs 1.8 billion during the year.
On the liabilities side, the Bank’s total deposits stood at Ra 650 billion; down by 22 percent from start of the year. This was driven by a deposit optimisation initiative, which is reflected in the improved current accounts mix, comprising 59 percent of the deposit book as compared to 48 percent last year.
On the assets side, net advances continued positive momentum and were higher by Rs 43 billion or 25 percent since start of the year. The Bank is well placed to cater for the needs of its clients and will continue its strategy to build a profitable, efficient and sustainable portfolio.
During 2025, the Bank contributed Rs 52.2 billion to the national exchequer in lieu of direct income taxes, as an agent of the Federal Board of Revenue (FBR) and on account of FED / Provincial Sales Taxes.
Commenting on the results, Rehan Shaikh, CEO & Head of Coverage, Standard Chartered Bank (Pakistan) Limited, said, “Our results are a reflection of changed market dynamics. They underscore the strength of our robust balance sheet, a diversified portfolio, deep client relationships, and strong business fundamentals. As a bank, we continue to play in our niches and remain committed to serving our clients’ cross-border and affluent banking needs. I would like to extend my heartfelt gratitude to our shareholders, clients, and business partners for their unwavering trust and confidence in our capabilities.”
With a strong Return on Equity (ROE) of 25 percent for the year and a Capital Adequacy Ratio (CAR) of 21.9 percent, the Bank remains well positioned for future growth. On the back of a resilient performance, the Board of Directors were pleased to announce a final cash dividend of PKR 3.0/- per share, which is in addition to interim cash dividend of Rs 3.5 per share.
Copyright Business Recorder, 2026
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