Standard Chartered Pakistan Reports PKR 46.1 Billion Profit Before Tax for 9M 2025

Standard Chartered Bank(Pakistan) Limited has announced a profit before tax (PBT) ofPKR 46.1 billionfor the nine months ended30 September 2025, compared toPKR 75.5 billionduring the same period last year, reflecting a resilient performance amid a challenging economic environment. The Bank reportedtotal revenue of PKR 63.3 billion, down30 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 rose10 percent, driven by inflationary pressures and continued investment in infrastructure and talent. Despite this, the Bank maintained a highly efficientcost-to-income ratio of 28 percent. A prudent risk management approach and recoveries of non-performing loans resulted in anet release of PKR 0.6 billionduring the period. On theliabilities side, total deposits stood atPKR 662 billion, down21 percentfrom the beginning of the year, in line with the Bank’sdeposit optimisation strategy. This focus is reflected in the improvedcurrent account mix, which rose to59 percentof total deposits, compared to48 percentlast year. On theassets side, net advances increased byPKR 66 billion (39%)since the start of the year, demonstrating renewed economic activity and higher lending demand. The Bank continues toinvest in digital capabilities and infrastructureto elevate the client banking experience. It has also made steady progress instrengthening its control and compliance environment, focusing on people, culture, and systems to ensure sustainable growth. With aReturn on Equity (ROE)of27.1 percentand aCapital Adequacy Ratio (CAR)of19.75 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.”