Standard Chartered Bank (pakistan) LimitedPSX: SCBPL

Financial Results for the Quarter Ended 30 June 2026

Aug 21, 2026 at 11:07 AM UTC · Issued by Standard Chartered Bank (Pakistan) Limited

PUBLIC

sl:andard

charl:ered

SCBPL/CS/2026/034

21 August 2026

The General Manager

Pakistan Stock Exchange Limited Stock Exchange Building

Stock Exchange Road Karachi

Dear Sir,

Financial results for the half year ended 30 June 2026

This is to inform you that the Board of Directors, in their meeting held on 21 August 2026 at 3:00 pm, at Standard Chartered Bank (Pakistan) Limited, Main Building, I.I. Chundrigar Road, Karachi, has recommended interim cash dividend @ 30% (i.e. Rs. 3/- per share of Rs. 10/- each) for the year ending 31 December 2026.

Enclosed, please find the financial results of the Bank comprising of Statement of Financial Position, Statement of Profit and Loss, Statement of Comprehensive Income, Statement of Changes in Equity and Statement of Cash Flows for the captioned period.

The aforementioned entitlement will be paid to the shareholders whose names will appear in the Register of Members on Thursday, 3 September 2026. The share transfer books shall remain closed from Friday, 4 September 2026 to Tuesday, 8 September 2026 (both days inclusive). Transfers received in order at the office of our Registrar i.e. M/s CDC Share Registrar Services Limited, CDC House, 99— B, Block ‘B’, S.M.C.H.S., Main Shahra-e-Faisal, Karachi, before close of business hours on Thursday, 3 September 2026 will be treated in time for the purpose of dividend entitlement to the transferees.

We will transmit the soft copy of financial statements to PSX through PUCARS within stipulated time.

Yours truly,

Wajiha Hasan

Company Secretary Enclose: as above

Cc:

Director/HOD

Listed Companies Department, Supervision Division Securities & Exchange Commission of Pakistan

63, NIC Building, Jinnah Avenue, Blue Area Islamabad

Standard Chr rEered Bo nk {Pokis¥on} Limited

Main Branch, P.O. Box No. 555d, I.I. Chundrigor Road,

Karachi 74000, Pakistan

sc.com

Tel (021} 3245 OOOO

UAN (O21} 111 002 002

Standard Chartered Bank (Pakistan) Limited Condensed Interim Statement of Financial Position As at 30 June 2026

Note

(tin-audited) (Audited)

30 June 2026 31 December 2025

ASSETS		(Rupees in ’000)
Cash and balances with treasury banks	6	94,687,569	80,790.333
Balances with other banks		29,803,595	19.786,023
Lendings to financial institutions	8	166,557,196	l 2,479,626
Investments	9	292,062,508	478.413,103
Advances	10	24S,S17,4S4	214.151,084
Property and equipment		11,041,770	10,985,897
Right-of-use assets	12	1,499,756	1,504,445
lntangible assets	13	26,095,310	26,095,310
Deferred tax assets - net Other assets	14	49,371,929	28,665,267
Total Assets		916,637,087	872,871,088
LIABILITIES
Bills payable	15	16,257,725	16,839,039
Borrowings	16	10,167,740	14,676,735
Deposits and other accounts	17	671,308,977	650.141,095
Lease liabilities	18	1,452,426	1,469,902
Sub-ordinated debt Deferred tax liabilities - net	19	3,470,759	3,188,571
Other liabilities	20	102,969,405	76,093,683
Total liabilities		805,627,032	762,409,025
NET ASSETS		111,010,0fiS	110.462.063
REPRESENTED BY:
Share capital		38,715,850	38,715,850
Reserves		51,005,763	49,827.764
Surplus on revaluation of assets	21	7,784,977	7,628.345
Unappropriated profit		13,503,465	14,290,104
		111,0l0,OSS	110,462,063
CONTINGENCIES AND COMMITMENTS	22

The annexed notes 1 to 39 form an integral part of these condensed interim financial statements.

Chairman Director Director

1,234,417

158,803

2,835,140

235,890

175,922

268,447

3,061,381

158,803

5,305,656

259,324

(574,944)

292,973

2.031,189

140,847

1,942,524

261,301

1,363,394

74,210

4.733,135

140,847

4,346,643

582,426

2.035,815

92,185

Standard Chartered Bank (Pakistan) Limited Condensed Interim Profit and Loss Account (Un-audited) Fol fhe six litonths period ended 30 June 2026

		Three months period ended	Six months period ended	Thrce months period ended		Six months period ended
h"ote		30 June 2026	30 June 2026	30 June 2025		30 June 2025
---—-----—----			-—----— (Rupees in '000) ----—-------—------------
Mark-up / return / interest earned	23	18,492,571	36,425,942		21.907,870		48.787.329
Mark-up / return / interest expensed	24	(5,205,192)	(10,121,720)		(6.422.734)		(16,318,946)
Net mark-up / interest income		13,287,379	26,304,222		15.485,136		32.468,383
NON MARK-UP / INTEREST INCOME
Fee arid commission income	25
Dividend income
Foreign exchange income	26
Income from derivatives Gain / (loss) on securities	27
Other income	28
Total non mark-up / interest income		4,908,619	8,503,193		5.813,465		11.931,051
Total Income		18,195,998	34,807,415		21.298,601		44.399,434
NON MARK-UP / INTEREST EXPENSES
Operating expenses	29
Workers welfare fund
Other charges	30
Total non mark-up / interest expenses		(5,916,024)	(11,532,712)		(6.320,898)		(12,079,325)
Profit before credit loss allowance		12,279,974	23,274,703		14,977,703		32,320,109
Credit loss allowance and write offs - net	31	375,265	1,107,362		896,991		587,224
PROFIT BEFORE TAXATION		12,655,239	24,382,065		15.874.694		32,907,333
Taxation	32	(6,471,623)	(12,602,075)		(7.297,209)		(16,344,499)
PROFIT AFTER TAXATION		6,183,616	11,779,990		8,577.485		16.562.834

(5,652,312)

(263,140)

(572)

(11,005,860)

(526,280)

(572)

(5,970,810)

(349.978)

(110)

(11,407,637)

(671,578)

(110)

(Rupees) (Rupees)

BASIC / DILUTED EARNINGS PER SHARE 33

1.60 3.04

2.22 4.28

The annexed notes 1 to 39 fonn an integral part of these condensed interim financial statements.

’

Chairman

Director

Standard Chartered Bank (Pakistan) Limited Condensed Interim Statement of Comprehensive Income (Un-audited)
	Thu-ee months	Six months	Tluc•e months		Six months
	periotl vnded	period ended	period ended		period ended
	30 June 2026	30 June 2026	30 .June 2025		30.lime 2025
(Rclpees in '000)
Profit .after taxation for the per iod	6,183,616	11,779,990		8.577.485	16.562, 534
Othetcompvlmnsiveincome
Items that miiy be recliissified to profit .iud loss account in subsequent periods:
Moverrient in surplus / (deficit) on rei aluation of debt investments through FVOCI - net of	380,#27	126,256		( 1.75,149)	(1, 171,365)
Items that will not be reclassified to profit and loss account in subsequent pcriods:
Movement in remeasuremeiit of post employment obligations - net of tax				836	836
Movement in surplus on i evaluation ot equity investments - net of tax	184,456	184,456		7,931	7,931
Moveiaient in surplus on revaluation of Property and cquipiiient - deferred tax rate impact				10,327	20.655
184,456 184,456			19,094 29.422
Totul comprehensive income for the period		6,748,501	12,090,702		8,421,430	15,420,888
The annexed notes 1 to 39 form an integral part of these condensed interim financial statements.

Chairman Director DirflCtof'

Standard Chartered Bank (Pakistan) Limited Condensed Interim Cash Flo Statement (Un-audited)
I”‹)r hoc .I'm nt‹›nlh. flci'io J enJe J 3l) .little’ 2lJ’ñ
	/’r,/«		30 June 2026	30 .Iune 2025
CASH FLOW FROM OPERATIC G ACTI’ITIES Profit before taxation for the period			24,382,065	32.907.333
Less: Dividend income			(158,803)	140,847)
			24,223,262	32,766,486
Adjustments for:
Net mark-up / return / interest income			(26,304,222)	(32,468,383)
Depreciation			500,003	467,123
Depreciation on right-of-use assets			253,688	232,844
Gain on sale of asset held for sale			(256,469)
Gain on sale of property and equipment			(3,136)	(70,420)
Unrealized gain on revaluation of investments classified as FVTPL - net			(409,346)	(723,986)
Finance cost of lease liability			119,089	103,015
Gain on lease termination			(13,645)
Credit loss allowance and write offs - net			(752,198)	(587,224
			(26,866,236)	(53,047,031 )
			(2,642,974)	(280,545)
Decrease / (increase) in operating assets
Lendind to financial institutions			(154,085,428)	26,714,353
Securities classified as FVTPL			165,060,009	87,023,207
Advances			(30,650,792)	(38,304,460)
Other assets (excluding advance taxation)			(10,350,391)	(5,545,830)
			(30,026,602)	69,887,270
(Decrease) / increase in operating liabilities
Bills payable			(581,314)	(8,233,167)
Borrowings from financial institutions			(4,569,836)	(294,011)
Deposits			21,167,882	(138,265,305)
Other liabilities (excluding current taxation)			16,074,204	24,557,336
			32,090,936	( 122,235,147)
Mark-up / Interest received			36,681,209	49,627,997
Mark-up / Interest paid			(10,1l5,08•i)	(16,806,111)
Cash inflow / (outflow) before taxation			25,987,484	( 19,806,536)
Income taxpaid			(13,775,935)	(1 1,275,360)
Net cash flow generated from / (used in) operating activities			12,211,549	(31,081,896)
CASH FLOW FROM INVESTING ACTIVITIES
Net Investments in securities classified as FVOCI			12,544,368	51,330,743
Dividend received			158,803	140,847
Investment in property and equipment			(562,104)	(550,454)
Proceeds from sale of property and equipment			7,301	70,420
Proceeds from sale of asset held for sale			567,500
Net cash flow generated from investing activities			12,715,868	50,991,55h
CASH FLOW FROM FINANCING ACTIVITIES
Dividend paid
Payment in respect of lease liability
Net cash flow used in financing activities			(1,073,450)	(8,317,314)
Increase in cash and cash equivalents for the period			23,853,967	11,592,346
Cash and cash equivalents at beginning of the period			100,371,605	94,531,221
Effect of exchange rate changes on cash and cash equivalents			158,942	832,205
			100,530,547	95,3G3,426
Cash and cash equivalents at end of the period			124,384,514	106,955,772
CASH AND CASH EQUIVALENTS AT END OF THE PERIOD
Cash and balances with treasury’ banks		6	94,68'7,?69	91.522J77
Balances with other banks		7	29,803,?9S	15,76 1,836

Overdrawn nostros

The annexed notes 1 to 39 form an integral part of these condensed interim financial stateine

Chairman Chief Execulix'e Officer ffice

16 (106,G?0)

12J,38J,»t4

Director

328,341 )

106.955,772

Director

Standard Chartered Bank (Pakistan) Limited

Condensed Interim Statement of Changes ui Equity (Un-audited)

Mox•meni in surplus on rei atnation of equity- in esiments - net of ras

Mot ement in remeflstirement of post emplg-ment obligations - deferred iax rate impact

- - 1.fi^G.283 - - (1.f›^G.283) -

13.917

Mo;m,mñ r@uao»r‹^au*ionofProgrjanJ‹qGpmm(-dzDncd|*xrlñimpao

3g.7J '.8^0 1.036.090 47.SGD.¥72

375.023 8.5W. 820 1fi. 790.336 111.991.691

(2T3.052) - I2.2J 7.4?2 I I .904.44U

9s,71S,%o

i03C,090

4S791,47J

Balance as at 3T December 20*fi - Auttitefl

t,177,999

Profit afcv la.s for thc six montks period coded 30 June 202G OtJJcr comgrchcnsi› e income - net oF tax

Mo› cmcnf in de£zil on rm aJunlioil of debt in

13.141 -

12,75fi -

4yy,sey 7asz,zs4 i4,sos,4ss i i i,oio,oss

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