sambabank @ «II+,&Lu«
Ref # ComSec/Stock-SECP/040/2026 August 20, 2026
The General Manager
Pakistan Stock Exchange LimitedStock Exchange Building Stock Exchange Road Karachi-74000
Subject: ANNOUNCEMENT -
FINANCIAL RESULTS OF THE BANK FOR THE HALF YEARLY/2'" QUARTER ENDED JUNE 30, 2026.
Dear Sir,
We are pleased to inform you that the Board of Directors ("BoD") of Samba Bank Limited ("SBL") in its meeting held on Thursday, August 20, 2026, at 12:00 pm (PST), primarily to approve the half year/second quarter ended June 30, 2026, and recommended the following:
CASH DIVIDEND
Nil
BONUS SHARES
RIGHT SHARES
Nil
ANY OTHER ENTITLEMENT / CORPORATE ACTION
ANY OTHER PRICE SENSITIVE INFORMATION
The bank's financial statements consist of the following as Annexure A:
Statement of Profit and Loss Account
Statement of Financial Position
Cash Flow Statement
Statement of Changes in Equity
The half-yearly report of the Samba Bank Limited ("SBL") for the period ended June 30, 2026, will be transmitted through PUCARS separately within the specified time.
Yours sinc Iy,
Syed Zia-uI-Hussain Shamsi Company Secretary
The Director/HOD Surveillance, Supervision and Enforcement Department
Securities & Exchange Commission of Pakistan NIC Building, Jinnah Avenue,
Islamabad.
oeeo
Head Office, Sth Floor Sidco Avenue Centre, Maulana Deen Muhammad Wafai Road, Karachi
*92-21-38246422 | 11 11 SAMBA (726ZZ) | www.samba.com.pk
Annexure 'A'
ended June 90, 2028 | Quarter endad June 30, 2026 | Half year endad Juna 30, 2016 | Half year endad Juno 30.2026 |
FOR THE QUARTER AND ALr vEAR ENDED JUNE 30, 2028
Nota
Mark-up / Return / Interest earned | 25 | 5,771,6J2 | S,2bU,140 | 11,U71,7gU | 1U,7gU,3g3 | |
Mark-up / Return / Interest expensed | 26 | 4,809,490 | 3,873.783 | 8,852,574 | 7,845,883 | |
Net mark-up / Interest Income | eaz.042 | 1,sse,ss7 | 2,219,195 | 2,943.€60 | ||
NON MARK•UP / INTEREST INCOME | ||||||
Fee and commission Income | 27 | |||||
DNidend income | ||||||
Foreign exchange income | ||||||
Gain / (loss) on securities | 28 | |||||
Other Income | t8 | |||||
Totel non-markup / interest Income | 416,463 | 501,690 | 804,041 | 8B#7¥D | ||
Total income | 1,380.525 | 1,888,047 | 3,023,438 | 3,628,270 | ||
NON MARX-UP / INTEREST EXPENSES | ||||||
Operagng expenses | 30 | |||||
Workers' wegare fund | 31 | |||||
Other changes | 32 | |||||
Total non-markup / Interest expenses | 1,334,059 | 1,162.872 | 2,897,321 | 2,539,541 | ||
Profh before credit loca allowance / provisions | 46.608 | 6B5,175 | 328.515 | 1.286,y2e | ||
Reversal / (charge) against credit loss | ||||||
albwance / provisions and write offs - nel | 38 | 105,741 | (645,193) | 228,234 | (883,525) | |
PROFIT BEFORE TAXATION | 151,307 | 49,982 | 554,74g | 405,204 | ||
Taxation | 70,9B5 | 31,305 | 281,077 | 219,878 | ||
PROFIT AFTER TAXATION | M.342 | 18.677 | 273,672 | 186,526 |
- - -•{Rupeeg In '000)
118.617 | 90,539 | 219,233 | 174,B41 |
8,383 | 12,284 | 42.802 | 31.231 |
34,716 | 116.079 | 190.670 | M7,685 |
239,489 | 241,895 | 328,547 | 280,888 |
17,DB8 | 40.913 | 23.189 | 41,085 |
Income / Lo8s from derivatives
1,331,B00 | 1,186.760 | 2,685,992 | 2,524,429 |
3,154 | 5,782 | '11,324 | 14,t82 |
5 | 330 | 5 | 330 |
Baclc and diluted earnings per share 35
0.08 _ 0.02
0.27
0.18
The annexed notes 1 to 43 form an Integral paft of these condensed interim financial statements.
President and Chief Executive Officer
Chairman
SAMBA BANK LIMITED
CONDENSEO INTERIM STATEMENT OF FINANCIAL POSITION
AS AT JUNE 30, 2026
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(Un•eudtted) (Audited)
Notg June 30, December 31,
2026 202¥
- Rupeea In *000)
ASSETS | ||||
Cash and balances with treasury banks | 7 | 8,313,482 | 9.632,990 | |
Balances with other banks | 8 | 1,256,115 | 818,147 | |
Lendings to financial institutions | 8 | 1.489,983 | ||
Investments | 10 | 142,011,611 | 117,361,510 | |
Advances | 11 | 55.340.391 | 60.810.403 | |
Propeny and equipment | 12 | 2.1B6,254 | 2.229.867 | |
Right-of-use assets | 13 | 2,902,773 | 2,927,444 | |
Intangible assets | 14 | 708.156 | 740,038 | |
Oeferrad lsx assets | IN | 3,479,591 | 3.1Z9,793 | |
Other assets | 16 | 12.084.830 | 7,490.803 | |
Total assets | 228,263,203 | 208,440,778 | ||
LIABILITIES | ||||
Bills payable | 17 | 2,546,001 | 2.410.501 | |
Borrowings | 18 | 94,677,626 | 52.208.853 | |
Oeposits and other accounts | 19 | 104.436,125 | 118,028.707 | |
Lease liabilities | 20 | 3,29S.889 | 3,200.861 | |
Subordinated debt | 21 | 4,991,000 | ||
Oeferred tax liabilities | ||||
Other liabilities | 22 | 4.617,490 | 0.808,074 | |
Total Tlabilitlea | 209.578,031 | 187,840.496 | ||
NET ASSEYS | 18,685,172 | 18,800,282 | ||
REPRESENTED BY Share capital | 10.082,387 | 10.082,3g7 | ||
Reserves | 3.317,028 | |||
Surplus on revaluation of investment | 23 | 85.416 | 381,258 | |
Unapproprialed profit | 5,200.341 | 5,074.343 | ||
1B.6B5.172 | 18,800,282 | |||
CONTINGENCIES AND COMMITMENTS | 24 | |||
The annexed noies 1 to 43 form an integral part of these condensed interim financial abatements.
Chief inancial Officer
President and Chief Executive Officer
Dlreetot
SAMBA BANK LIMITED
CONDENSED INTERIM CASH FLOW STATEMENT (Un-audMd)
FOR THE MALF YEAR ENDED JUNE 30, 2026
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Half year ended
Nota June 30. 202e Jura M. N2a
---4RUP ¥ In Q00)-
CASH FLOW FROM OPERATING ACTIVITIES
Profil bafo e taxation
L6SB' Oivid6nd IftCOWg
Adjustments:
Net merk-up / inlerast income
Depreciation
Depreciation on r•ghI-of-use assets Amortization
Cied‹t load allowance and write offa
Cain on aale / dispasal of property end equipment - net
Gain on re-measurement of laase liabili '
Finance cost on iease iiabilily against rlgnt-of-use assets Unrealized gein on revaluation of investments classified ag FVPL Staff loens - notional cozT
Workem' welfare fund
Decrease / {increase) In operating ae9eta Lendings to finsnciel inatitutione
Securities classified as FVPL
Advances
Olhers assets (excIud ng edvance taxalion)
{Decrease) / increase In operating liabilities Billc peyeble
Borrowings from financial institulions Other Iiabil8iee (excluding cunenT taxation)
Mgrx-up / Interest received
Mark•up / Inte eel paid
Net cash flow from operating actlvltles
CASH FLOW FROM INVENTING ACTIVITIES
New Investments in securities deegified as FVOCI
Nel InveStmentS in 80CiJfitfi0 Na84ifi& BE gWflil it Dividends received
Invesknenta in prooartY and equipment and inWglbie sscata
Proceeds from sale / d lsposel of property and equipment
Net cesh flow used in inventing activities
CASH FLOW FROM FINANCING ACTIVITIES
Principal epaymeni of Subordinated debt Markup payment on oebi Securities Dividend paid
Payments of lease obligations against right-of-use esseta Nil oaah flow usad in financing autivltiys
necreaee in cash and cacti equivalents
Cash and cash equivalents ei beginning of lhe period
Elects of exchange rate changea on cesh gnd ceeh equivaMnte
SM.t49
(42 802)
611,947
30
30
33
28
ze ze 28
t2,429,669)
197,176
209.087
75,336
(228,234)
(6.348)
(10.263)
210.474 (9,042j 57,897
1 1,324
I ,923, 260)
{1.410.343)
S,5P3,672 (¥,330.+10'
2.62$888
136,400
(14,400,582}
(785.478)
27.263.444
10.758.035
(8.378.980)
t25,3£8,fi37)
42,802
(205.158)
* 288
(4,991,000)
(308,096
(304 86z1
10,451.137
f881,540)
405,204
(31.231)
373,973
(3.076%
t0S.814
62,633
883,526
(16.271)
(24.806)
133.437
(2.200)
81.752
14 788
{1 631,1 16)
{1,257,142}
321.271
1,172.g76 (1,571,248)
10,8s3,616
11,942,429
‹8,204,94 6,240,42g
300,000
31,231
(3e2,393)
36,632
(1.000j
(475.906)
Cash and cash equivalents at end of the perlod
The e xed notes 1 to 43 form an integral pgrt of thesa oondenaed interim financial statements.
Cal
O
Prezldent And
Chief Executive Officer
10 4d1.201
Chairman
SAMBA BANK LIMITED
CONDENSED INTERJI¥I STATEMENT OF CI1ANGES IN EQUITY
FOR THE HALF YEAR ENDED JUNE 30, 8028
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34.92g
Mt.7H
Z/3,672
curing baIar+re cs ei June #, z4zs
A"
"
0hIe Finenc fficer
d noles 4 Io 43 form an integral part of these condensed inle im financial statements.
President and Chief Executive Officer
Dlrectoc