Standard Chartered Bank (Pakistan) Limited has announced a profit before tax (PBT) of PKR 46.1 billion for the nine months ended 30 September 2025, compared to PKR 75.5 billion during the same period last year, reflecting a resilient performance amid a challenging economic environment.
The Bank reported total revenue of PKR 63.3 billion, down 30 percent year-on-year, primarily due to a sharp reduction in interest rates. This impact was partially offset by a decrease in the cost of funds. Operating expenses rose 10 percent, driven by inflationary pressures and continued investment in infrastructure and talent. Despite this, the Bank maintained a highly efficient cost-to-income ratio of 28 percent.
A prudent risk management approach and recoveries of non-performing loans resulted in a net release of PKR 0.6 billion during the period.
On the liabilities side, total deposits stood at PKR 662 billion, down 21 percent from the beginning of the year, in line with the Bank’s deposit optimisation strategy. This focus is reflected in the improved current account mix, which rose to 59 percent of total deposits, compared to 48 percent last year.
On the assets side, net advances increased by PKR 66 billion (39%) since the start of the year, demonstrating renewed economic activity and higher lending demand.
The Bank continues to invest in digital capabilities and infrastructure to elevate the client banking experience. It has also made steady progress in strengthening its control and compliance environment, focusing on people, culture, and systems to ensure sustainable growth.
With a Return on Equity (ROE) of 27.1 percent and a Capital Adequacy Ratio (CAR) of 19.75 percent, Standard Chartered Bank Pakistan remains well-positioned to capture future growth opportunities.
Commenting on the results, Rehan Shaikh, CEO, Standard Chartered Bank (Pakistan) Limited, said:
“Our Q3 2025 results underscore the strength of our business fundamentals, showcasing a robust balance sheet, a diversified portfolio, and deep client relationships. We remain steadfast in our commitment to supporting both our clients and employees, ensuring their needs are met with excellence and dedication. I would like to extend my heartfelt gratitude to our shareholders, clients, and business partners for their unwavering trust and confidence in our capabilities.”
