Soneri Bank Limited (PSX:SNBL)

Soneri Bank Balance Sheet

Financials in millions PKR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	51,393	15,780	15,194	9,996	11,405	14,642
Investment Securities	465,030	384,306	310,338	304,346	318,818	254,997
Trading Asset Securities	-	-	2.87	105.03	19,628	1,934
Total Investments	465,030	384,306	310,341	304,451	338,446	256,930
Gross Loans	209,508	260,078	214,210	221,774	184,587	174,713
Allowance for Loan Losses	-	-8,113	-8,456	-7,340	-7,948	-8,148
Other Adjustments to Gross Loans	-	-	-	-	-52.03	-38.9
Net Loans	209,508	251,965	205,754	214,434	176,587	166,526
Property, Plant & Equipment	21,749	20,985	17,195	12,593	11,145	11,911
Other Intangible Assets	388.42	394.49	206.13	327.9	432.89	408.27
Accrued Interest Receivable	-	15,067	17,236	10,439	6,000	6,500
Other Receivables	1,848	47.18	52,813	1,490	932.61	63.75
Restricted Cash	-	33,495	30,472	17,926	25,536	19,541
Other Current Assets	-	15,601	7,126	5,850	7,157	7,296
Long-Term Deferred Tax Assets	-	-	-	890.62	178.22	-
Other Real Estate Owned & Foreclosed	-	1,490	1,573	1,122	1,145	1,139
Other Long-Term Assets	42,224	368.81	653.1	240.98	524	387.83
Total Assets	792,141	739,499	658,562	579,760	579,489	485,345
Accrued Expenses	-	2,540	2,056	1,272	924.26	838.44
Interest Bearing Deposits	571,231	394,299	382,365	291,854	300,639	258,650
Non-Interest Bearing Deposits	-	148,847	135,504	117,788	102,398	86,849
Total Deposits	571,231	543,146	517,869	409,643	403,037	345,499
Short-Term Borrowings	-	103,085	62,404	108,487	117,750	82,467
Current Portion of Long-Term Debt	-	-	956.76	260.63	1,636	3.42
Accrued Interest Payable	-	10,136	10,376	6,397	4,782	3,330
Other Current Liabilities	6,761	23,694	14,952	11,411	12,601	12,254
Long-Term Debt	153,546	14,334	13,441	14,980	12,200	11,745
Long-Term Leases	6,701	6,382	5,114	4,260	3,419	3,350
Long-Term Unearned Revenue	-	266.41	242.7	166.49	129.42	113.39
Long-Term Deferred Tax Liabilities	1,081	2,072	889.04	-	-	1,533
Other Long-Term Liabilities	23,582	3,034	1,648	1,736	1,375	1,054
Total Liabilities	762,902	708,690	629,949	558,614	557,853	462,188
Common Stock	11,025	11,025	11,025	11,025	11,025	11,025
Retained Earnings	14,741	15,498	15,927	10,906	10,623	8,661
Comprehensive Income & Other	3,473	4,287	1,661	-784.2	-12.16	3,471
Shareholders' Equity	29,239	30,810	28,613	21,146	21,636	23,157
Total Liabilities & Equity	792,141	739,499	658,562	579,760	579,489	485,345
Total Debt	160,247	123,801	81,915	127,988	135,006	97,566
Net Cash (Debt)	-108,854	-108,020	-66,719	-71,549	-92,952	-74,015
Net Cash Per Share	-98.73	-97.98	-60.52	-64.90	-84.31	-67.14
Filing Date Shares Outstanding	1,103	1,102	1,102	1,102	1,102	1,102
Total Common Shares Outstanding	1,103	1,102	1,102	1,102	1,102	1,102
Book Value Per Share	26.52	27.95	25.95	19.18	19.62	21.00
Tangible Book Value	28,851	30,415	28,407	20,818	21,203	22,749
Tangible Book Value Per Share	26.17	27.59	25.77	18.88	19.23	20.63

Source: S&P Global Market Intelligence. Banks template. Financial Sources.