Soneri Bank Limited · PSX:SNBL
Soneri Bank — Investor Presentation (December 2025)
30 slides from Soneri Bank's investor presentation, December 2025
Slide 1: Soneri Bank Limited Corporate Briefing Session 2025
Soneri Bank Limited Corporate Briefing Session 2025
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 [sn
Slide 4: The Bank – At A glance
The Bank – At A glance Commencement of Operations April 1992 Registered Office Lahore Major Sponsors Feerasta Family Credit Rating (Long Term / Short Term) AA- / A1+ Branches (15-Dec-2025) 661 including 182 Islamic Branches and 15 IBWs Footprint (Cities Covered) 268 cities/towns in Pakistan Market S
Slide 5: Equity Progression
Equity Progression Current Market Capitalization Our share capital over the years…… – PKR 26.49 Bn (Sept 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 Prog
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 9M2025 57% 58% 56% Cash dividend per share 15%
Slide 7: Financial Performance Review – 9M2025
Financial Performance Review – 9M2025
Slide 8: Profit & Loss – September 2025
Profit & Loss – September 2025 Rs'mn Sep-25 Sep-24 R Growth vs CPLY Markup Income 64,392 87,806 (23,415) -27% NII increased 11% during the nine months Markup Expense (43,394) (68,970) 25,575 -37% despite decline in policy rates driven by NIM 20,997 18,836 2,161 11% volumetric growth and lower cost o
Slide 9: Balance Sheet – September 2025
Balance Sheet – September 2025 Sep'25 Dec 2024 Growth vs YE 2024 Rs. Mn Amount % Cash & balances with treasury banks 56,739 45,900 10,839 24% Balances with Other Banks 2,493 3,376 (883) -26% Lending to FI 6,499 8,598 (2,099) -24% Investment - Net 499,944 384,306 115,638 30% Investments increased by
Slide 10: Balance Sheet Growth Over Last 5 Years
Balance Sheet Growth Over Last 5 Years PKR in Bn PKR in Bn Total Equity (Dec’20 – Sep’25) Total Assets (Dec’20 – Sep’25) 33 820 35 31 900 29 739 30 800 659 23 700 579 580 25 22 21 600 485 20 500 15 400 10 300 200 5 100 - - 2020 2021 2022 2023 2024 9M2025 2020 2021 2022 2023 2024 9M2025 PKR in Bn Dep
Slide 11: Segment Wise Portfolio with Improving NPLs
Segment Wise Portfolio with Improving NPLs PKR in Bn NPLs to Total Advances Ratio 6.25% 5.95% 4.90% 4.71% 4.30% 3.13% 2020 2021 2022 2023 2024 9M2025 • The Corporate segment accounts for the vast majority of the portfolio, representing 83% of the total value (over Rs. 167 billion). • The trend in th
Slide 12: Segment Information – September 2025
Segment Information – September 2025 PKR in Bn 629 Assets CA & Total Sep 25 Assets Deposits 205 Deposits Dec 24 543 Total CA 164 Retail CIBG Islamic Investments Sep 25 494 Treasury Dec 24 381 44 49 51 66 450 512 Sep 25 Dec 24 Dec 24 Sep 25 174 Corporate 230 Treasury Investments 8 SME 8 Trading & Sal
Slide 13: Trend of Capital Base
Trend of Capital Base PKR in Bn Capital Adequacy Ratio PKR in Bn Profit After Tax 20.00% 18.44% 7.00 16.97% 17.69% 6.10 5.90 18.00% 16.29% 6.00 16.00% 15.19% 13.82% 5.00 14.00% 12.00% 4.00 3.30 10.00% 2.85 3.00 8.00% 2.40 2.00 1.88 6.00% 4.00% 1.00 2.00% 0.00 0.00% 2020 2021 2022 2023 2024 9M2025 20
Slide 14: Growth Analysis
Growth Analysis Investment Portfolio ; 7 Growth . (PKR Mn) SEES IEEE Vs Dec Deposit Balances ue ee Growth PIBs - Fixed 39,626 30,047 9,579 32% (PKR Mn) lo ce vs Dec PIBs - Floating 314,851 270,858 43,993 16% TBills 100,708 49,898 50,809 102%| CA 209,740 165,891 43,849 26% aes & Mutual Funds 582 926
Slide 15: Key Ratios
KEY RATIOS Ratios Sep'25 Sep '24 ROAE% 13.75% 21.48% ROAA% 0.56% 0.81% EPS 3.00 4.32 Effective Tax Rate 65.60% 51.04% Soneri Bank Ratios Sep'25 Sep ‘24 Infection % 4.30% 3.62% Coverage % 95.10% 95.90% Ratios Sep'25 Sep '24 Deposit per branch 1,018 1,043 Revenue per branch 45 46 Cost per branch 29 28
Slide 16: Key Developments
Key Developments | 5 [EE
Slide 17: Expansion of Branch Network
Expansion of Branch Network • Till date, 117 new branches have been added to our network in 2025 taking the total tally to 661. • 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-i
Slide 18: Successfully managed to open new branches
Successfully managed to open 74 new branches till September’25. ~~ Further 52 new branches to be opened in Q4 2025. New Segment 2024 Additions/Netof 2025 Conversion * Conventional 476 26 502 Islamic 68 48 116 GrandTotal = 5447 * Six Conventional branches have been converted to Islamic branches durin
Slide 19: New Initiatives by Digital Banking
New Initiatives by Digital Banking A number of new initiatives have been taken to enhance the user experience on the digital front, these include : • Introduction of P2M Payments: Quick and free person-to-merchant (P2M) payments through Raast instant payment system, which can be done by scanning a Q
Slide 20: New Offerings by Retail Banking
New Offerings 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 the conve
Slide 21: Products Launched During 2025
Products Launched During 2025 • Advance Salary Product under Soneri Personal Finance – Helping salaried individuals in managing their financial needs amidst rising inflation and cost of living. • Launch of e-Bike Financing under Soneri Personal Finance – Affordable, green mobility with easy monthly
Slide 22: 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 23: Key Revenue Drivers
Key Revenue Drivers Profitability: • The Bank continues to focus on diversification of revenue streams, with emphasis on growth in non-markup income, including fee-based and commission-driven businesses. • Focus on selective growth in higher-yielding corporate and SME segments while maintaining prud
Slide 24: Digital Banking Offerings
Digital Banking Offerings Product/Services Description • Soneri Debit Mastercard (Classic/Gold): Go cashless for a hassle-free spending experience. Debit Cards • Soneri Platinum Debit Card.: Experience the perfect blend of luxury and functionality. • Soneri PayPak Debit Card: Access money across all
Slide 25: Key Business Risk
Key Business Risk
Slide 26: Key Business Risk
Key Business Risk The Bank has a well established and rigorous pre-approval evaluation process of credit risk embedded in each credit transaction Credit Risk executed by the Business Units. The entire process broadly encompasses, gathering relevant information on the borrower, credit investigations
Slide 27: Going Forward
Going Forward
Slide 28: Going Forward – 2026 Outlook
Going Forward – 2026 Outlook • Balance Sheet Growth: Focus on quality-led and risk-adjusted growth by focusing on low-cost deposits, CASA growth and stable funding. • Customer Experience and Ecosystem Expansion: Focusing on Selective growth in priority sectors, SME and Islamic financing enhanced cus
Slide 29: Questions & Answers
Questions & Answers |! sn iE
Slide 30: 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