Karachi, February 26, 2026: Standard Chartered Bank (Pakistan) Limited (SCBPL) on Thursday reported a sharp 37% decline in net profit for the calendar year ended December 31, 2025, mainly due to a significant fall in interest income, lower gains on securities, and rising operating costs.
According to the financial results submitted to the Pakistan Stock Exchange (PSX), the bank posted a profit after tax of Rs28.78 billion for CY25, compared with Rs46.07 billion in the previous year. Consequently, earnings per share (EPS) declined to Rs7.43 from Rs11.90 a year earlier.
The board of directors, in its meeting held on February 25, 2026, recommended a final cash dividend of Rs3 per share (30%), in addition to the 35% interim dividend already paid during 2025.
Key Financial Highlights of SCBPL (CY25 vs CY24)
| Financial Indicator | CY25 (Rs bn) | CY24 (Rs bn) | Change |
| Profit After Tax | 28.78 | 46.07 | ▼ 37% |
| Earnings Per Share | Rs7.43 | Rs11.90 | ▼ 38% |
| Net Interest Income | 61.46 | 93.51 | ▼ 34% |
| Non-Interest Income | 19.09 | 24.66 | ▼ 23% |
| Gain on Securities | 0.97 | 4.60 | ▼ 79% |
| Total Income | 80.55 | 118.17 | ▼ 32% |
| Operating Expenses | 22.66 | 20.35 | ▲ 11% |
| Profit Before Tax | 58.49 | 100.62 | ▼ 42% |
| Income Tax Expense | 29.71 | 54.55 | ▼ 46% |
Income Pressures and Cost Growth
The bank’s net interest income declined to Rs61.46 billion, down from Rs93.51 billion in the previous year, reflecting pressure on margins and lower yields. Non-interest income also fell to Rs19.09 billion from Rs24.66 billion, while gains on securities plunged sharply to Rs974 million, compared with Rs4.60 billion in CY24.
As a result, total income dropped to Rs80.55 billion, down from Rs118.17 billion. Meanwhile, operating expenses rose by 11% to Rs22.66 billion, further squeezing profitability.
Outlook
Despite the challenging financial performance in CY25, SCBPL reaffirmed its commitment to shareholder returns by maintaining a healthy dividend payout. Analysts believe the bank’s future earnings trajectory will depend on interest rate movements, asset quality, and effective cost management amid a volatile economic environment.
The sharp profit decline highlights the broader pressures facing Pakistan’s banking sector, including margin compression, elevated taxation, and subdued capital market activity.