Soneri Bank Limited · PSX:SNBL
Soneri Bank — Investor Presentation (April 2026)
28 slides from Soneri Bank's investor presentation, April 2026
Slide 1: Soneri Bank Limited Corporate Briefing Session April 2026
Soneri Bank Limited Corporate Briefing Session April 2026
Slide 2: Note About Forward-Looking Statements
Note About Forward-Looking Statements This document contains or incorporates by reference “forward-looking statements” regarding the belief or current expectations of Soneri Bank Limited, the Board of Directors, and members of senior management about the strategy, businesses and performance of the B
Slide 3: Company Brief
Company Brief | a
Slide 4: The Bank – At A glance Dec'25
The Bank – At A glance Dec’25 Commencement of Operations April 1992 Registered Office Lahore Major Sponsors Feerasta Family Credit Rating (Long Term / Short Term) AA- / A1+ Branches 670 including 186 Islamic Branches and 15 IBWs Footprint (Cities Covered) 268 cities/towns in Pakistan Market Share 1.
Slide 5: Equity Progression
Equity Progression Current Market Capitalization Our share capital over the years…… – PKR 29.39 Bn (Dec 2025) Rs in Bns 12.000 11.025 10.023 10.000 9.021 8.028 8.000 6.023 6.000 5.019 4.114 4.000 3.117 1.653 2.000 1.018 1.272 0.501 0.626 0.783 0.300 0.330 0.380 - 1992 -2006 2007 onwards Equity Progr
Slide 6: Earnings, Payouts and Key Shareholders' Indicators
Earnings, Payouts and Key Shareholders’ Indicators Presented below is the Bank’s Dividend payout, as compared to the earnings Key Shareholders’ Indicators for the relevant year and the market price of the Bank’s share. Key Indicators 2021 2022 2023 2024 2025 57% 58% Cash dividend per share 15% 10% 3
Slide 7: Financial Performance Review –2025
Financial Performance Review –2025
Slide 8: Profit & Loss – December 2025
Profit & Loss – December 2025 Rs'mn Dec-25 Dec-24 Growth vs CPLY Markup Income 84,375 114,093 (29,718) -26% NII increased 8% during the year despite Markup Expense (57,333) (89,146) 31,813 -36% decline in policy rates driven by volumetric NIM 27,042 24,948 2,095 8% growth and lower cost of deposits
Slide 9: Balance Sheet – December 2025
Balance Sheet – December 2025 Dec 2025 Dec 2024 Growth vs YE 2024 Rs. Mn Amount % Cash & balances with treasury banks 60,333 45,900 14,433 31% Balances with Other Banks 2,514 3,376 (862) -26% Lending to FI 30,598 8,598 21,999 256% Investment - Net 479,247 384,306 94,942 25% Investments increased by
Slide 10: Balance Sheet Growth Over Last 6 Years
Balance Sheet Growth Over Last 6 Years PKR PKRininBn Bn Total Equity (Dec’20 – Dec’25) PKR in Bn Total Assets (Dec’20 – Dec’25) 37 852 40 900 739 35 31 800 29 659 30 700 579 580 23 600 25 22 21 485 500 20 400 15 300 10 200 5 100 - - 2020 2021 2022 2023 2024 2025 2020 2021 2022 2023 2024 2025 PKR in
Slide 11: Segment Wise Portfolio with Improving NPLs
Segment Wise Portfolio with Improving NPLs PKR in Bn NPLs to Total Advances Ratio 2% 2% 4% 6.25% 4% 5.95% 5% 4.71% 4.90% PKR 222 Bn 3.13% 3.41% 83% 2020 2021 2022 2023 2024 2025 • The Corporate segment accounts for the vast majority of the portfolio, representing 83% of the total value (over Rs. 182
Slide 12: Trend of Capital Base
Trend of Capital Base PKR in Bn Capital Adequacy Ratio PKR in Bn Profit After Tax 20.00% 7.00 18.44% 6.10 16.97% 17.69% 5.90 18.00% 6.00 16.00% 15.19% 14.88% 13.82% 5.00 4.56 14.00% 12.00% 4.00 10.00% 3.00 2.85 8.00% 2.40 6.00% 2.00 1.88 4.00% 1.00 2.00% 0.00% 0.00 2020 2021 2022 2023 2024 2025 2020
Slide 13: Growth Analysis
Growth Analysis rtfolis . . irowth =a Mn) me Dec25 ——Dec'24 cower EOP Balances Pe Rein Growth PIBs - Fixed 23,509 30,047 (6,538) -22% (PKR Mn) vs Dec PIBs - Floating 331,992 270,858 61,134 23% TBills 67,262 49,898 17,364 35% CA 211,353 165,891 45,462 27% Shares & Mutual Funds 582 926 (344) -37% SA 3
Slide 14: Key Ratios
KEY RATIOS L H Ratios Dec'25 Dec '24 Particulars Dec'25 Dec '24 Deposit per branch 1,029 998 ROAE% 13.49% 19.9% Revenue per branch 53 58 ROAA% 0.57% 0.8% Cost per branch 36 36 EPS - 4.13 5.35 PBT per branch 17 23 Effective Tax Rate 60.73% 53.3% Branches 670 544 Ratios Dec'25 Dec '24 Infection % 3.4%
Slide 15: Key Developments
Key Developments | 5 [EEE
Slide 16: Expansion of Branch Network
Expansion of Branch Network • 126 new branches have been added to our network in 2025 taking the total tally to 670. • During the year, our retail teams successfully initiated drives to tap market potential and further increase the customer base, with a focus on client conversions, walk-in activatio
Slide 17: Branch Network Continues to Expand to 670 Branches (Dec'25)
Branch Network Continues to Expand to 670 Branches (Dec'25) Successfully managed to open 126 new branches in 2025. 80 branches are budgeted for Gilgit Baltistan 2026. Net of Segment 2024 New Additions 2025 North Conversion * Conventional 476 63 (55) 484 2024: 128 32 new branches Central I Islamic 68
Slide 18: Digital Banking – New Initiatives and Current Product Split
Digital Banking – New Initiatives and Current Product Split Channel & Experience Payments & Growth • WhatsApp Banking – Revamped UI/UX, new features • P2M Payments – QR expansion (SBP 10K target) • SMS Banking – Feature phone accessibility • POS Acquiring – SNBL owned POS acquiring business. • AI Ch
Slide 19: 2025 Product Launches by Retail Banking
2025 Product Launches by Retail Banking • Soneri Salaana Aamdani Account – Offering competitive rate of returns help to build substantial deposits to leverage prevailing market investment opportunities effectively. • Soneri Monthly Munafa Account – Offering lucrative rate of returns while enjoying t
Slide 20: Strategic Alliances During 2025
Strategic Alliances During 2025 During the year 2025, Soneri Bank successfully entered into strategic business alliances with key partners to enhance its service offerings and market reach. • Jetour Pakistan • MG Pakistan • Ghandhara Automobiles Limited • Inverex • Changan • Deewan Motors
Slide 21: Segment Information – December 2025
Segment Information – December 2025 PKR in Bn 206 CA & Total 2025 Assets Deposits Assets 689 Deposits 164 2024 543 CA Total Retail Corporate Islamic Investments 2024 381 Treasury 2025 469 53 86 44 49 550 450 2025 2024 2025 2024 191 Corporate 230 Treasury Investments 9 Agri 4 424 Trading &Sales Islam
Slide 22: Key Revenue Drivers
Key Revenue Drivers Low-Cost Deposit Growth: Driving balance sheet expansion and earnings via higher advances & investment income. Yield Optimization: Targeted growth in higher priced corporate & SME segments with disciplined risk pricing. Revenue Diversification: Increasing non-markup income throug
Slide 23: Key Business Risk
Key Business Risk
Slide 24: Key Business Risk
Key Business Risk Business Risk Category Risk Indicators Risk Mitigation •The Bank maintains a prudent credit risk management framework, supported by stringent credit appraisal, approval, and monitoring processes. Credit Risk is the risk of loss to the SNBL as a result of failure by a •Active recove
Slide 25: Going Forward
Going Forward
Slide 26: Going Forward – 2026 Outlook
Going Forward – 2026 Outlook • Balance Sheet Growth: Focus on quality-led and risk-adjusted growth • Customer Experience and Ecosystem Expansion: Focusing on by focusing on low-cost deposits, CASA growth and stable funding. enhanced customer acquisition and retention via Digital onboarding, Selectiv
Slide 27: Questions & Answers
Questions & Answers [sna ESE
Slide 28: Registered Office and Central Office
Registered Office: 2nd Floor, 307 Upper Mall Scheme, Anand Road, Lahore – 54000, Pakistan Tel: (042) 35713101-04 Central Office: 10th Floor, PNSC Building, M.T. Khan Road, Karachi – 74000, Pakistan Tel: (021) 111-567-890