Standard Chartered Pakistan Reports PKR 28.78bn Profit Amid 2025 Interest Rate Cuts. -

Standard Chartered Bank Pakistan Limited (SCBPL) released its annual financial results on February 26, 2026, reporting a profit after tax of PKR 28.78 billion for the year ending 2025. This represents a 38% decline from the previous year, a shift the bank primarily attributes to sharp reductions in interest rates that led to significant margin compression.

Key Highlights from the 2025 Financial Report

Revenue Dynamics: While lower interest rates challenged overall revenue, the bank successfully managed to partially offset these impacts by reducing the cost of funds.
Disciplined Spending: Operating expenses saw a modest increase of only 6%, despite a high-inflation environment and continued investments in digital infrastructure.
Positive Lending Momentum: Net advances grew by PKR 43 billion (25%) since the start of the year, signaling resilient demand for credit.
Deposit Strategy: Total deposits reached PKR 650 billion. The bank executed a “deposit optimization” initiative to improve its current account mix and lower interest costs.
Shareholder Returns: The Board announced a final cash dividend of PKR 3.0 per share, bringing the total payout for the 2025 fiscal year to PKR 6.5 per share.
Exchequer Contribution: SCBPL contributed a total of PKR 52.2 billion to the national exchequer in various taxes during the year.

Future Outlook

CEO Rehan Shaikh emphasized that despite the changing market dynamics, the bank remains well-positioned for growth. With a robust Capital Adequacy Ratio (CAR) of 21.9%, Standard Chartered maintains one of the strongest balance sheets in the Pakistani banking sector.

Disclaimer: This post is for informational purposes based on the official financial results released by Standard Chartered Bank Pakistan on February 26, 2026. Financial performance and dividend payouts are subject to market conditions and regulatory approvals.