Karachi Pakistan : The Shareholders of Sindh Bank have approved the Annual Audited Financial Statements for the year ended December 31, 2025, at the Annual General Meeting held on March 30, 2026. The Bank reported its record high Profit Before Tax of Rs.6.37-Billion, more than double (i.e. 155% increase) from previous year driven by resilient margin and robust growth in Deposits and Advances both touching new peaks at the close of year 2025. Operating Profit also registered manifold increase attributable to significantly higher Markup as well as Non Markup Income.
Net Markup income increased by 40% during the year 2025, despite downward revisions in the policy rate. Non Markup income of Bank also increased by 43% i.e. Rs.568-mn attributable to increase in income from Fees, Commission, Dividends and gain on securities during the year 2025. Profit After Tax for the year ended 2025 increased by more than 20% to Rs.3.35-Billion compared to Rs.2.77-Billion last year.
Total Equity of the Bank grew by Rs.4.39-Billion reaching to Rs 33.55-Billion at December 31, 2025.
Bank’s Capital Adequacy Ratio stood at 25.04% as against the minimum requirement of 11.50% and maintained Rs 28.47-Billion as minimum capital against the requirement of Rs 10-Billion as on December 31, 2025 reflecting capital strength and resilience to absorb impacts and pursue balance sheet growth.
Deposits increased to an all time high of Rs.342-Billion at the end of December 2025 surpassing previous year peak of Rs. 312-Billion witnessing increase of Rs.30-Billion. Bank also managed to improve deposit mix especially Non-remunerative deposits which notably strengthened profitability. CASA ratio improved to 87% from 82% in December 2024. With the focus on customer widening, the number of account holders significantly increased with the addition of 482,198 new customer accounts. Gross Advances touched an all time high figure of Rs.170-Billion at the close of year 2025 representing 72% increase over Rs 98.9-bn as on December 31, 2024 which was driven by growth of 157% & 64% outstanding portfolio of SME & Consumer Financing segments respectively besides major expansion in sovereign backed financing.
VIS Credit Rating Company Limited during the year upgraded Long Term Credit Rating of Bank to AA while reaffirming short term rating to highest possible A-1+ with stable outlook.
Bank continued to deliver better services and higher volumes during the year. Sindh Bank opened highest number of Accounts with cheque book issuance for the world’s largest housing project by Government of
Sindh widely known as SPHF- Sindh Peoples’ Housing for Flood Affectees while also achieving the objective of increasing financial inclusion. More than Rs.140-bn Cash has been paid to beneficiaries over the counters from its 97 Branches and 17 Booths involving record level cash management. Bank exclusively enabled issuance of Benazir Hari Card for 332,249 farmers complementing huge intervention achieved by Agriculture Department GOS to disburse Rs.40-Billion to Wheat growing small farmers for DAP and Urea application across the province and eventually serving as ecosystem for procurement of wheat and other targeted interventions in future.
Going forward, focus will continue on priority sectors and service delivery on initiatives announced by
the government for the benefit of People.
Sindh Bank branch network comprises of 330 on- line branches across Pakistan which includes 58
dedicated Islamic Banking branches (IBBs).
