Samba Bank Limited (SBL) reported earnings per share of PKR 0.72 for CY25, compared to earnings per share of PKR 0.69 in CY24. Furthermore, in 1QCY26, the company reported earnings per share of PKR 0.19, compared to earnings per share of PKR 0.17 in the same period last year (SPLY).
As of December 2025, total assets stood at approximately PKR 206bn. The bank’s deposit base was PKR 119bn, while net loans stood at around PKR 61bn. The bank remains well capitalized, with a Capital Adequacy Ratio of 24.4% as of December 2025. Net advances declined from a peak of PKR 81.17bn in 2021 to PKR 57.4bn currently. Management attributed this decline to an intentional exit from customers that did not meet the bank’s revised risk profile.
To compensate for the shrinking loan book, the bank increased its investment portfolio from PKR 99.8bn to PKR 145bn. Management remains focused on mobilizing low cost current and savings accounts while shedding expensive term deposits. As a result, the CASA ratio improved from 44% in 2024 to 62% by March 2026, while the current account component increased to 28% of total deposits.
To support low cost deposit mobilization, the bank expanded its branch network by 40% over the last two years, adding 10 branches in 2024 and 20 branches in 2025, taking the total network to 77 branches. Future branch expansion plans will be evaluated after the outcome of the ongoing due diligence process is confirmed. Najd Gateway Holding is currently conducting due diligence. Management has provided all necessary information to the buying side for the valuation process. The bank has already seen the current account portion of its deposits increase from 23% to 28% over the last six months. Going forward, the strategy will remain focused on generating granular, low cost accounts rather than pursuing high cost deposit volume.
Important Disclosures
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