Soneri Bank Limited

Corporate Identity and Status

Soneri Bank Limited is a public limited company operating as a commercial bank in Pakistan. The institution was incorporated on September 28, 1991, and officially commenced its banking operations in April 1992.

The bank is positioned as a mid-tier commercial institution within the country's financial sector. It is publicly listed and traded on the Pakistan Stock Exchange (PSX) under the ticker symbol SNBL.

Sponsorship and Market Position

The bank has a sponsor background associated with the Feerasta Family, a group with established interests in manufacturing, exports, and trade finance. This background informs the bank's institutional history, although specific ownership percentages are not detailed in available financial disclosures.

Soneri Bank operates primarily as a deposit-led commercial bank, serving a general retail customer base alongside its corporate and trade finance activities. The fact sheet does not provide specific details on its current leadership, such as the Chairman or CEO.

Branch Network and Service Channels

As of 2025, Soneri Bank's physical footprint consisted of 661 branches located across 268 cities in Pakistan, with plans to expand to 670 branches by April 2026. The bank maintains a significant focus on Islamic banking, operating 182 dedicated Islamic branches in 2025 and 15 Islamic Banking Windows. The number of dedicated Islamic branches was projected to reach 186 by April 2026.

In addition to its physical branches, the bank provides digital access through a mobile application and offers digital onboarding for new customers. The provided source material does not contain specific data on the size of the bank's ATM network, the number of branchless banking agents, or transaction volumes for cards and remittances.

Account and Deposit Products

Soneri Bank provides a range of core banking products, including standard current and savings accounts for its retail customers. Its services cater to different customer needs through specialised deposit products.

Among its specific offerings are the Ikhtiar Current Account and the Asaan Account, which is designed for simplified onboarding. The bank also provides the Sahara Savings Account, which is structured for senior citizens. These products are available alongside its dedicated Islamic banking services.

Financial Performance for 2025

For the year ending December 31, 2025, Soneri Bank reported total assets of approximately PKR 852.5 billion and total deposits of PKR 689.1 billion. The bank's balance sheet showed net investments of PKR 479.2 billion and net advances amounting to PKR 214.3 billion, with total equity standing at PKR 36.8 billion.

The bank's profitability in 2025 included a profit before tax of PKR 11.6 billion and a profit after tax of PKR 4.56 billion. Its income was generated from net markup income of PKR 27.0 billion and non-markup income of PKR 8.1 billion. Within non-markup income, fee and commission income contributed PKR 4.9 billion.

Capital Structure and Market Data

As of December 31, 2025, Soneri Bank's Capital Adequacy Ratio (CAR) was 14.88%, a figure that was reported as 16.29% in September 2025. The bank's funding base was supported by a strong CASA mix of 82%. Its capital structure included PKR 8.0 billion in subordinated debt, of which PKR 4.0 billion was in the form of perpetual Additional Tier 1 (ADT 1) capital instruments.

In 2025, the bank's earnings per share (EPS) was PKR 4.13, and its book value per share was PKR 33.37. The bank announced a final cash dividend of PKR 1.50 per share, representing a payout ratio of 36%. At year-end, its market capitalization was approximately PKR 29.4 billion, with a free float of 330.74 million shares, or about 30% of its total capital.