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 Rs6.37 billion, more than double (a 155% increase) from the previous year, driven by resilient margins and robust growth in deposits and advances, both touching new peaks at the close of 2025.
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Operating profit also registered a manifold increase, attributable to significantly higher markup as well as non-markup income.
Income and Profit Growth
Net markup income increased by 40% during 2025, despite downward revisions in the policy rate. Non-markup income of the bank also increased by 43% (Rs568 million), attributable to increases in income from fees, commissions, dividends, and gains on securities during the year. Profit After Tax for the year ended 2025 increased by more than 20% to Rs3.35 billion, compared to Rs2.77 billion last year.
| Metric | 2025 | 2024 | Change |
|---|---|---|---|
| Profit Before Tax | Rs6.37bn | Previous year | +155% |
| Profit After Tax | Rs3.35bn | Rs2.77bn | +20%+ |
| Net Markup Income | – | – | +40% |
| Non-Markup Income | – | – | +43% |
Capital Strength and Equity
Total Equity of the bank grew by Rs4.39 billion, reaching Rs33.55 billion at December 31, 2025. The bank’s Capital Adequacy Ratio stood at 25.04%, well above the minimum regulatory requirement of 11.50%. The bank maintained Rs28.47 billion as minimum capital against the requirement of Rs10 billion as on December 31, 2025, reflecting capital strength and resilience to absorb impacts and pursue balance sheet growth.
| Capital Metric | 2025 | Regulatory Requirement |
|---|---|---|
| Total Equity | Rs33.55bn | – |
| Capital Adequacy Ratio | 25.04% | 11.50% |
| Minimum Capital Maintained | Rs28.47bn | Rs10.00bn |
Deposit Growth and Mix
Deposits increased to an all-time high of Rs342 billion at the end of December 2025, surpassing the previous year’s peak of Rs312 billion, an increase of Rs30 billion. The bank also managed to improve its deposit mix, especially non-remunerative deposits, which notably strengthened profitability. The CASA ratio improved to 87% from 82% in December 2024.
With a focus on customer widening, the number of account holders significantly increased with the addition of 482,198 new customer accounts.
Advances Growth
Gross advances touched an all-time high figure of Rs170 billion at the close of 2025, representing a 72% increase over Rs98.9 billion as on December 31, 2024. This growth was driven by:
- SME portfolio growth: 157%
- Consumer financing growth: 64%
- Major expansion in sovereign-backed financing
About Sindh Bank
Sindh Bank is a leading public sector bank in Pakistan, operating with a network of branches across the country. The bank is committed to providing innovative banking solutions, fostering economic growth, and delivering value to its shareholders and customers.
