Banking Sector Quarterly Deposits Comparison

DCEO Office - Soneri Bank Ltd. Rupees in '000'000' / Millions

Conventional Banking
Total Deposits Current Deposits Saving Deposits Fixed Deposits Total Customers Deposits Total Fis Deposits

Banks Jun-24 Dec-23 +/- % Jun-24 Dec-23 +/- % Jun-24 Dec-23 +/- % Jun-24 Dec-23 +/- % Jun-24 Dec-23 +/- % Jun-24 Dec-23 +/- %

Our Rank 3 2 7 8 5 7
SONERI 597,336 517,869 79,467 15% 198,372 157,541 40,831 26% 295,147 252,697 42,450 17% 103,817 107,631 (3,814) -4% 485,556 429,671 55,884 13% 111,780 88,198 23,582 27%

BAFL 2,101,808 2,084,997 16,811 1% 941,312 849,386 91,926 11% 578,330 654,179 (75,849) -12% 582,166 580,913 1,253 0% 1,975,884 1,819,497 156,387 9% 125,924 265,500 (139,576) -53%

JS Bank 557,862 486,283 71,579 15% 197,536 160,546 36,990 23% 192,153 136,935 55,217 40% 168,173 188,802 (20,628) -11% 540,823 470,246 70,576 15% 17,040 16,037 1,003 6%

BAHL 2,222,195 1,934,037 288,158 15% 820,785 711,283 109,502 15% 1,093,917 934,767 159,149 17% 307,493 287,986 19,507 7% 2,163,965 1,870,537 293,429 16% 58,230 63,500 (5,270) -8%

HBL 4,584,170 3,870,180 713,990 18% 1,474,144 1,288,211 185,933 14% 2,278,169 1,832,247 445,922 24% 831,856 749,722 82,135 11% 4,280,041 3,723,190 556,851 15% 304,129 146,990 157,138 107%

HMB 1,098,768 1,012,303 86,465 9% 438,901 415,469 23,432 6% 430,934 370,310 60,624 16% 228,933 226,524 2,409 1% 1,041,948 996,792 45,156 5% 56,820 15,511 41,309 266%

MCB 1,993,954 1,805,387 188,567 10% 980,982 870,634 110,348 13% 954,098 877,202 76,896 9% 58,874 57,552 1,322 2% 1,941,666 1,753,789 187,877 11% 52,288 51,598 689 1%

UBL 2,911,935 2,350,541 561,394 24% 1,485,510 1,148,550 336,960 29% 1,106,357 928,334 178,023 19% 320,068 273,658 46,410 17% 2,600,808 2,138,204 462,604 22% 311,127 212,336 98,790 47%

SCB 816,857 719,535 97,322 14% 402,635 366,725 35,910 10% 396,861 333,722 63,138 19% 17,361 19,088 (1,726) -9% 752,887 697,912 54,975 8% 63,970 21,623 42,347 196%

ASKARI 1,413,603 1,293,146 120,457 9% 401,392 353,360 48,033 14% 827,825 731,624 96,200 13% 184,386 208,161 (23,776) -11% 1,384,821 1,272,912 111,909 9% 28,782 20,233 8,548 42%

Samba 107,852 114,732 (6,880) -6% 29,620 27,172 2,448 9% 26,638 24,966 1,673 7% 51,594 62,594 (11,000) -18% 103,623 112,737 (9,114) -8% 4,229 1,995 2,235 112%

BOP 1,582,113 1,520,854 61,259 4% 332,478 294,244 38,233 13% 743,706 686,490 57,216 8% 505,929 540,119 (34,190) -6% 1,570,356 1,457,791 112,565 8% 11,756 63,063 (51,306) -81%

NBP 4,103,539 3,674,359 429,180 12% 1,350,077 1,297,440 52,637 4% 1,996,297 1,616,731 379,566 23% 757,166 760,189 (3,024) 0% 3,576,624 3,166,581 410,043 13% 526,915 507,778 19,137 4%

Islamic Banking
Total Deposits Current Deposits Saving Deposits Fixed Deposits Total Customers Deposits Total Fis Deposits

Banks Jun-24 Dec-22 +/- % Jun-24 Dec-22 +/- % Jun-24 Dec-22 +/- % Jun-24 Dec-22 +/- % Jun-24 Dec-22 +/- % Jun-24 Dec-22 +/- %

Meezan 2,414,878 2,217,474 197,404 9% 1,130,646 1,098,677 31,969 3% 1,049,289 883,092 166,197 19% 234,943 235,705 (762) 0% 2,396,509 2,204,374 192,135 9% 18,369 13,100 5,269 40%

Bank Islami 550,713 522,541 28,172 5% 208,609 194,998 13,611 7% 132,284 129,952 2,331 2% 209,819 197,590 12,229 6% 546,675 514,501 32,174 6% 4,038 8,040 (4,002) -50%

Faysal Bank 1,074,089 1,018,276 55,813 5% 381,219 326,368 54,852 17% 463,700 437,572 26,128 6% 229,169 254,336 (25,167) -10% 904,048 827,934 76,114 9% 170,040 190,341 (20,301) -11%
 345842922 302142119
14765509 12,223,338
20610895 12,002,084

381,219,326 326,367,541

23,017,532 27,007,069
117.33%
54,851,785 17%
 Cost to Income Ratio (In Millions) (Annual-23)
Total non mark-up / interest
S. No. Banks Total income Cost to Income Ratio
expenses

1 BAHL 72,047 147,375 49%

2 SONERI 15,471 29,217 53%

 Banking Sector Quarterly Financial Comparison
DCEO Office - Soneri Bank Ltd. Rupees in Millions

Conventional Banking
Profit Before Tax Profit After Tax Fee & Commission Income Operating Expenses Net Interest Income Profit from Operations FX Income

Banks Jun-24 Jun-23 +/- % Jun-24 Jun-23 +/- % Jun-24 Jun-23 +/- % Jun-24 Jun-23 +/- % Jun-24 Jun-23 +/- % Jun-24 Jun-23 +/- % Jun-24 Jun-23 +/- %

Our Rank 6 3 1 14 4 7 14

JS Bank 5,433 3,209 2,224 69% 2,763 1,508 1,255 83% 2,288 1,875 413 22% 12,756 10,155 2,601 26% 13,037 10,437 2,599 25% 4,693 4,727 (34) -1% 2,195 2,551 (356) -14%

Allied 46,510 35,204 11,306 32% 23,641 17,443 6,198 36% 6,478 5,055 1,423 28% 27,228 23,370 3,858 17% 58,481 50,902 7,579 15% 41,212 36,261 4,951 14% 4,075 4,360 (285) -7%

SCB 49,293 38,142 11,151 29% 21,477 18,785 2,693 14% 3,502 2,561 941 37% 9,428 7,900 1,528 19% 48,042 42,524 5,518 13% 46,032 39,489 6,543 17% 4,663 824 3,839 466%

MCB 62,717 53,842 8,875 16% 31,936 26,687 5,249 20% 11,313 8,791 2,521 29% 28,397 23,979 4,418 18% 74,858 67,009 7,849 12% 61,704 54,468 7,237 13% 4,946 3,593 1,352 38%

Samba 1,303 1,155 148 13% 663 706 (43) -6% 173 199 (26) -13% 2,533 2,234 300 13% 3,912 3,566 346 10% 2,173 2,246 (72) -3% 665 731 (66) -9%

SONERI 6,492 5,207 1,285 25% 3,204 2,527 677 27% 2,069 1,347 722 54% 8,869 6,917 1,952 28% 11,598 10,124 1,474 15% 5,801 5,943 (142) -2% 1,086 1,446 (360) -25%

UBL 57,690 50,578 7,112 14% 29,446 26,319 3,126 12% 10,049 8,772 1,278 15% 35,760 29,905 5,854 20% 53,638 68,861 (15,223) -22% 36,289 54,055 (17,765) -33% 6,368 6,908 (540) -8%

HBL 57,947 53,295 4,651 9% 28,651 27,711 939 3% 21,269 17,419 3,850 22% 82,015 71,032 10,984 15% 112,928 105,213 7,714 7% 60,256 56,102 4,154 7% 5,414 1,060 4,354 411%

NBP 515 47,664 (47,149) -99% 251 26,022 (25,771) -99% 12,058 10,511 1,547 15% 49,069 43,899 5,171 12% 71,772 73,146 (1,374) -2% 38,909 44,982 (6,073) -14% 3,999 4,068 (70) -2%

BAHL 40,504 30,945 9,558 31% 21,087 18,087 3,000 17% 9,130 6,682 2,448 37% 39,341 32,226 7,115 22% 74,106 50,924 23,182 46% 47,325 28,952 18,373 63% 3,464 3,814 (350) -9%

HMB 22,136 22,462 (326) -1% 11,498 11,781 (283) -2% 4,874 4,533 341 8% 15,177 13,566 1,610 12% 30,468 30,833 (364) -1% 23,214 24,614 (1,400) -6% 3,419 3,307 112 3%

BAFL 40,819 35,865 4,954 14% 20,609 18,620 1,989 11% 9,505 6,813 2,693 40% 37,957 30,417 7,540 25% 61,358 59,191 2,167 4% 38,855 40,701 (1,846) -5% 5,335 5,106 230 4%

BOP 7,051 3,919 3,132 80% 4,350 3,448 902 26% 4,517 4,536 (20) 0% 22,111 18,658 3,453 19% 15,916 17,417 (1,501) -9% 1,394 4,137 (2,743) -66% 763 776 (13) -2%

ASKARI 16,207 17,006 (799) -5% 8,071 8,838 (766) -9% 3,457 3,393 64 2% 16,236 13,599 2,637 19% 24,764 24,821 (57) 0% 14,332 17,361 (3,028) -17% 2,414 2,783 (369) -13%

Islamic Banking
Profit Before Tax Profit After Tax Fee & Commission Income Operating Expenses Net Interest Income Profit from Operations FX Income

Banks Jun-24 Jun-23 +/- % Jun-24 Jun-23 +/- % Jun-24 Jun-23 +/- % Jun-24 Jun-23 +/- % Jun-24 Jun-23 +/- % Jun-24 Jun-23 +/- % Jun-24 Jun-23 +/- %

Meezan 106,880 64,594 42,286 65% 51,753 32,586 19,167 59% 9,467 7,785 1,682 22% 41,010 29,788 11,222 38% 137,897 90,578 47,318 52% 105,308 68,198 37,111 54% 580 541 39 7%

BankIslami 13,791 8,296 5,495 66% 7,064 5,096 1,969 39% 1,090 798 292 37% 10,099 7,494 2,605 35% 21,977 16,653 5,323 32% 13,726 10,484 3,242 31% 1,407 245 1,162 474%

Faysal 25,826 15,056 10,770 72% 13,266 7,525 5,741 76% 5,142 4,159 982 24% 21,525 17,692 3,833 22% 38,223 30,732 7,492 24% 24,134 18,778 5,355 29% 2,779 1,672 1,107 66%
 Soneri

S. No. Ratios 2023 2022 Growth

Per Branch: -

1 Per Branch Staff 9.41 9.46 -0.46%

2 Per Branch Deposits 1,169 1,101 6%

3 Per Branch Current 367 372 -1%

4 Per Branch Profit Before Tax 28 12 128%

6 Per Branch Admin Expenses 34 33 5%

7 Per Branch Fee & Comm. Income 7 7 7%

Per Staff: -

9 Per Staff Deposits 124 116 7%

10 Per Staff Current 39 39 -1%

11 Per Staff Profit 3.0 1.3 129%

12 Per Staff Salary 1.4 1.3 2%

13 Per Staff Admin 3.6 3.4 5%

Miscellaneous: -

15 Investment To Deposits 60% 63% -5%

16 Infection Ratio 5.1% 4.9% 5%

17 ADR Ratio 39.7% 50.9% -22%

19 Total Staff (Permanent) 4,170 3,518 19%

20 Total Branches 443 372 19%

21 Current Deposits 162,501 138,461 17%

22 Total Deposits 517,880 409,643 26%

23 Admin Expenses 15,154 12,119 25%

24 Fee & Commission Income 3,086 2,430 27%

25 Profit Before Tax 12,357 4,554 171%

26 Compensation Expense 5,678 4,674 21%

27 Investments 310,341 258,007 20%

28 Advances 205,754 208,434 -1%

29 NPL 10,497 10,169 3%

30 Cash 44,207 27,420 61%

 BAFL JS Bank BAHL

2023 2022 Growth 2023 2022 Growth 2023

- -

14.32 15.43 -7% 13.59 13.53 0.45% 15.14

2,036 1,663 22% 1,671 1,652 1% 1,738

829 791 5% 552 508 9% 639

76 40 89% 29 8 286% 64

63 55 14% 79 60 33% 63

14 12 19% 14 11 24% 12

- -

142 108 32% 123 122 1% 115

58 51 13% 41 38 8% 42

5.3 2.6 103% 2.2 0.6 284% 4.2

2.0 1.5 27% 2.1 1.8 14% 1.7

4.4 3.6 22% 5.8 4.4 32% 4.2

- -

99% 75% 32% 59% 65% -10% 78%

4.8% 4.0% 20% 7.9% 7.1% 13% 2.9%

37.3% 51.5% -28% 41.9% 49.8% -16% 45.0%

14,662 13,790 6% 3,956 3,803 4% 16,850

1,024 894 15% 291 281 4% 1,113

849,386 706,730 20% 160,546 142,732 12% 711,283

2,084,997 1,486,845 40% 486,283 464,132 5% 1,934,037

64,503 49,562 30% 23,042 16,749 38% 70,274

14,813 10,842 37% 4,133 3,213 29% 13,871

78,175 36,160 116% 8,515 2,131 300% 71,128

28,713 21,247 35% 8,151 6,863 19% 28,179

2,067,263 1,114,407 86% 287,479 303,465 -5% 1,503,895

777,287 765,693 2% 203,727 231,102 -12% 869,459

37,633 30,971 22% 16,184 16,312 -1% 25,187

202,692 140,613 44% 40,895 24,765 65% 141,816

 BAHL HBL HMB

2022 Growth 2023 2021 Growth 2023 2022

- -

15.08 0.40% 9.33 10.21 -9% 10.90 10.91

1,453 20% 2,240 1,887 19% 1,928 1,761

578 11% 745 763 -2% 791 710

30 110% 65 42 55% 99 55

48 32% 88 64 37% 55 44

11 16% 22 16 34% 18 16

- -

96 19% 240 185 30% 177 161

38 10% 80 75 7% 73 65

2.0 109% 6.9 4.1 70% 9.1 5.1

1.4 24% 3.1 2.4 33% 2.0 1.7

3.2 31% 9.5 6.3 50% 5.0 4.0

- -

74% 5% 65% 58% 11% 91% 82%

1.8% 60% 5.7% 5.2% 8% 4.8% 5.0%

51.9% -13% 43.0% 50.2% -14% 40.7% 49.2%

16,270 4% 16,116 17,501 -8% 5,722 5,457

1,079 3% 1,728 1,714 1% 525 500

624,024 14% 1,288,211 1,308,003 -2% 415,469 354,866

1,568,138 23% 3,870,180 3,234,176 20% 1,012,303 880,697

51,787 36% 152,339 110,475 38% 28,753 22,021

11,595 20% 37,310 27,653 35% 9,396 7,931

32,884 116% 111,737 71,555 56% 51,995 27,617

21,976 28% 50,735 41,532 22% 11,273 9,447

1,158,521 30% 2,499,930 1,882,075 33% 925,412 723,579

813,535 7% 1,664,016 1,622,607 3% 412,049 433,503

14,721 71% 94,272 84,775 11% 19,836 21,650

94,164 51% 505,181 257,368 96% 91,467 54,747

HMB Allied MCB

Growth 2023 2022 Growth 2023 2022 Growth

- - -

0% 8.09 7.85 3% 10.03 9.90 1%

9% 1,131 1,048 8% 1,255 952 32%

12% 476 419 14% 570 470 21%

79% 58 32 80% 87 49 77%

24% 32 27 16% 36 29 26%

13% 7 6 28% 14 10 44%

- - -

10% 140 133 5% 125 96 30%

12% 59 53 10% 57 47 20%

80% 7.2 4.1 75% 8.7 5.0 75%

14% 1.6 1.5 4% 1.6 1.3 22%

25% 3.9 3.5 13% 3.6 2.9 24%

- - -

11% 69% 74% -7% 69% 71% -3%

-4% 1.7% 1.5% 8% 9.3% 6.8% 37%

-17% 46.6% 55.6% -16% 32.0% 54.6% -41%

5% 11,991 11,404 5% 14,420 14,341 1%

5% 1,483 1,453 2% 1,438 1,448 -1%

17% 705,947 608,969 16% 820,289 680,112 21%

15% 1,676,623 1,522,297 10% 1,805,387 1,378,717 31%

31% 46,985 39,699 18% 51,838 41,495 25%

18% 10,641 8,147 31% 20,227 14,182 43%

88% 85,757 46,626 84% 125,241 71,365 75%

19% 18,769 17,193 9% 23,238 19,020 22%

28% 1,150,318 1,123,117 2% 1,249,439 978,731 28%

-5% 781,597 845,640 -8% 577,863 753,400 -23%

-8% 13,039 13,104 0% 53,883 51,260 5%

67% 156,136 87,913 78% 170,717 96,369 77%

 UBL SCB Askari

2023 2022 Growth 2023 2022 Growth 2023

- -

9.98 9.13 9% 51.33 53.10 -3% 10.34

1,721 1,367 26% 17,988 17,961 0% 1,789

841 661 27% 9,168 8,206 12% 489

79 51 56% 2,231 1,253 78% 58

47 39 21% 412 320 29% 40

13 12 9% 138 75 84% 10

- -

172 150 15% 350 338 4% 173

84 72 16% 179 155 16% 47

7.9 5.6 43% 43.5 23.6 84% 5.6

1.8 1.6 9% 4.7 3.5 35% 1.9

4.7 4.3 11% 8.0 6.0 33% 3.8

- -

187% 77% 142% 32% 66% -53% 91%

17.2% 10.1% 70% 9.6% 9.8% -3% 4.6%

26.1% 50.1% -48% 30.6% 30.1% 2% 49.0%

13,635 12,276 11% 2,053 2,124 -3% 7,475

1,366 1,345 2% 40 40 0% 723

1,148,550 889,087 29% 366,725 328,228 12% 353,360

2,350,541 1,838,367 28% 719,535 718,450 0% 1,293,146

64,306 52,284 23% 16,485 12,811 29% 28,569

17,527 15,871 10% 5,520 2,993 84% 7,085

108,118 68,310 58% 89,221 50,123 78% 42,044

23,962 19,714 22% 9,650 7,414 30% 14,529

4,385,217 1,415,194 210% 226,712 477,732 -53% 1,182,538

613,566 921,837 -33% 220,183 216,208 2% 633,133

105,541 93,339 13% 21,061 21,237 -1% 29,064

277,330 143,004 94% 81,691 68,919 19% 160,087

Askari Samba NBP

2022 Growth 2023 2022 Growth 2023 2022

- -

10.26 1% 14.09 14.45 -3% 6.25 6.55

1,739 3% 2,441 2,239 9% 2,408 1,743

532 -8% 578 550 5% 850 387

42 39% 47 (20) -337% 66 41

34 15% 101 86 18% 61 51

8 18% 8 9 -8% 14 14

- -

169 2% 173 155 12% 385 266

52 -9% 41 38 8% 136 59

4.1 38% 3.3 (1.4) -343% 10.6 6.3

1.7 14% 3.6 3.1 16% 5.9 4.9

3.3 14% 7.2 6.0 21% 9.8 7.8

- -

67% 37% 61% 73% -16% 120% 130%

5.3% -14% 10.0% 7.1% 41% 15.8% 16.7%

51.1% -4% 64.0% 70.7% -10% 38.0% 46.2%

6,743 11% 662 679 -3% 9,542 10,018

657 10% 47 47 0.00% 1526 1530

349,708 1% 27,172 25,827 5% 1,297,440 591,638

1,142,575 13% 114,732 105,244 9% 3,674,359 2,666,184

22,572 27% 4,765 4,046 18% 93,346 78,100

5,446 30% 379 411 -8% 22,032 21,152

27,459 53% 2,193 (926) -337% 101,253 62,737

11,475 27% 2,379 2,105 13% 56,392 48,825

762,697 55% 70,412 76,904 -8% 4,403,364 3,477,354

583,811 8% 73,436 74,455 -1% 1,398,077 1,230,522

31,147 -7% 7,335 5,261 39% 220,826 205,307

70,950 126% 9,466 6,169 53% 294,993 229,911

NBP Meezan Bank Islami

Growth 2023 2022 Growth 2023 2022 Growth

- - -

-5% 0.07 0.08 -6% 8.47 9.31 -9%

38% 161 135 20% 1,188 1,223 -3%

120% 80 66 20% 443 502 -12%

62% 12 7 72% 47 24 93%

20% 5 4 32% 37 35 6%

4% 1 1 17% 4 4 -4%

- - -

45% 2,209 1,724 28% 140 131 7%

130% 1,094 852 28% 52 54 -3%

69% 168.7 91.9 84% 5.5 2.6 112%

21% 39.8 27.4 45% 2.0 1.7 19%

25% 67.6 48.1 41% 4.3 3.7 17%

- - -

-8% 71% 77% -8% 60% 43% 39%

-5% 1.8% 1.4% 29% 7.5% 7.0% 8%

-18% 43.4% 60.0% -28% 44.1% 48.4% -9%

-5% 1004 962 4% 3,727 3,166 18%

-0.26% 13,733 12,324 11% 440 340 29%

119% 1,098,677 819,440 34% 194,998 170,645 14%

38% 2,217,474 1,658,490 34% 522,541 415,912 26%

20% 67,877 46,240 47% 16,160 11,773 37%

4% 17,414 13,316 31% 1,817 1,459 24%

61% 169,408 88,385 92% 20,523 8,228 149%

15% 39,948 26,328 52% 7,493 5,363 40%

27% 1,572,388 1,283,210 23% 314,084 179,741 75%

14% 961,673 995,508 -3% 230,194 201,328 14%

8% 16,939 13,628 24% 17,220 14,009 23%

28% 242,612 117,743 106% 41,287 39,973 3%

 Faysal Bank

2023 2022 Growth

-

12.12 11.39 6%

1,410 1,117 26%

452 396 14%

57 32 79%

55 39 43%

12 10 20%

116 98 19%

37 35 7%

4.7 2.8 69%

1.8 1.4 35%

4.5 3.4 34%

58% 60% -4%

4.0% 4.8% -17%

57.0% 58.1% -2%

8,751 7,974 10%

722 700 3%

326,368 277,151 18%

1,018,276 781,571 30%

39,801 26,995 47%

8,518 6,876 24%

41,422 22,393 85%

16,013 10,783 48%

589,545 469,451 26%

580,711 454,261 28%

23,060 21,698 6%

84,037 56,131 50%