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SIBL - FoxLogica

SIBL

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⏸️ SIBL: HOLD Signal (5/10) – Change of Director

⚡ Flash Summary

Security Investment Bank Limited (SIBL) announced the resignation of Mr. Salman Arshad as an Independent Director, effective November 17, 2025. To fill this vacancy, the Board of Directors has appointed Mr. Zafar Hasan Reza as a Non-Executive Independent Director. This announcement was made to the Pakistan Stock Exchange Limited and TRE Certificate Holders. The communication was signed by Shakeel Ahmed, Chief Financial Officer.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • 📅 Effective November 17, 2025, Mr. Salman Arshad resigned as Independent Director.
  • 💼 Mr. Zafar Hasan Reza appointed as Non-Executive Independent Director to fill the vacancy.
  • 🏢 Announcement made by Security Investment Bank Limited (SIBL).
  • 📜 Notification sent to Pakistan Stock Exchange Limited.
  • 📢 TRE Certificate Holders informed of the change.
  • ✍️ Communication signed by Shakeel Ahmed, Chief Financial Officer.
  • 🏦 SIBL’s Board of Directors made the appointment decision.
  • 📍 Notification addressed to The General Manager, Pakistan Stock Exchange Limited, Karachi.
  • 🏛️ CC: The Executive Director, Company Law Division, Securities & Exchange Commission of Pakistan.
  • 🌐 SIBL’s website is www.sibl.com.pk.

🎯 Investment Thesis

HOLD. The announcement of changes in the board of directors does not provide sufficient information to warrant a change in investment recommendation. While board composition is an important factor, its impact on the company’s performance is indirect and depends on future strategic decisions. Without additional financial data or information about the new director’s expertise and strategic vision, maintaining a HOLD stance is the most appropriate approach. A price target cannot be accurately determined based on this announcement alone. More comprehensive information is needed to assess the potential impact on SIBL’s financial performance and valuation. Time horizon is medium term, to observe strategic shifts.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 21, 2025

📉 SIBL: SELL Signal (7/10) – FINANCIAL RESULTS FOR THE QUARTER ENDED 30 SEPTEMBER 2025

⚡ Flash Summary

Security Investment Bank Limited (SIBL) reported its financial results for the quarter ended September 30, 2025. The company’s statement of financial position shows total assets of PKR 913.87 million, slightly down from PKR 916.64 million in December 2024. The statement of profit or loss reveals an after-tax profit of PKR 26.52 million for the nine months ended September 2025, compared to PKR 56.73 million for the same period in 2024. Basic and diluted earnings per share (EPS) decreased to PKR 0.448 from PKR 0.972 year over year. The board did not recommend any cash dividend, bonus shares, or right shares.

Signal: SELL 📉
Strength: 7/10
Sentiment: NEGATIVE
Time Horizon: SHORT_TERM

📌 Key Takeaways

  • 📉 **Profit Decline:** Net profit after tax plummeted to PKR 26.52 million for the nine months ended September 2025, a significant decrease from PKR 56.73 million in the same period last year.
  • 💸 **EPS Decrease:** Basic and diluted earnings per share (EPS) saw a considerable drop to PKR 0.448 from PKR 0.972 year over year, indicating lower profitability per share.
  • 💼 **Total Assets:** Total assets slightly decreased to PKR 913.87 million as of September 30, 2025, compared to PKR 916.64 million in December 2024.
  • 🚫 **No Dividends:** The board of directors did not recommend any cash dividend, bonus shares, or right shares, potentially disappointing investors seeking income.
  • 📊 **Operating Profit Before Tax:** Operating profit before tax decreased to PKR 27.41 million for the nine months ended September 2025, compared to PKR 66.54 million in the same period last year.
  • 📉 **Income Decline:** Total income decreased from PKR 104.72 million to PKR 88.16 million.
  • 💰 **Cash Flow from Operations:** Net cash inflows from operating activities increased to PKR 79.62 million, compared to PKR 23.57 million
  • 🏢 **Non-Current Assets:** Total non-current assets increased slightly to PKR 284.88 million from PKR 266.86 million.
  • 🏦 **Current Assets:** Current assets decreased from PKR 649.78 million to PKR 628.99 million.
  • ⚠️ **Decreased Tax Refund:** Tax refund due from Government decreased from PKR 34.03 million to PKR 26.52 million.

🎯 Investment Thesis

Based on the declining financial performance, including a substantial decrease in profit and EPS, I recommend a SELL rating for SIBL. The lack of dividends and the negative valuation impact further support this recommendation. The price target is PKR 5, based on a conservative earnings multiple, with a time horizon of 6 months, reflecting the urgency of addressing the profitability concerns.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

⏸️ SIBL: HOLD Signal (5/10) – Transmission of Quarterly Report for the quarter Ended September 30, 2025

⚡ Flash Summary

Security Investment Bank Limited (SIBL) reported a profit of Rs. 27 million for the quarter ended September 30, 2025, a decrease compared to the operating profit before taxes of Rs. 69 million in the corresponding period last year. The company’s EPS also decreased to Rs. 0.448 from Rs. 0.917 in the same period. While the overall economic outlook shows improvement with expected growth, challenges remain due to high debt, inflation, and political instability. The KSE100 index increased to 165,493 points, indicating positive market sentiment during the quarter. The board expresses gratitude to the Pakistan Stock Exchange and Securities and Exchange Commission of Pakistan for their support.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEGATIVE
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • Economic growth is projected to reach 2.8% in 2025 and 3.3% in 2026. 📈
  • Inflation has dropped to single digits due to easing food and energy prices. 📉
  • Food supply chain disruptions from floods may push inflation up. 🌊
  • Global trade tariffs continue to influence monetary policy. 🌍
  • Economic conditions in Pakistan remain challenging with high debt and political risks. ⚠️
  • KSE100 index rose to 165,493 points in September 2025 from 124,379 in June 2025. 📈
  • SIBL posted a profit of Rs. 27 million for the quarter ended September 30, 2025. 💰
  • Gain on revaluation of assets was Rs. 18 million. 🏢
  • Operating profit before taxes was Rs. 69 million in the corresponding period. 📊
  • EPS decreased to Rs. 0.448 from Rs. 0.917 in the corresponding period. 📉
  • Company posted Income on financing and placements of 40.7 million compared to 27.1 million in the same period last year. ⬆️
  • The company reduced short term financing from 504 million to 509 million showing better liquidity. ⬆️

🎯 Investment Thesis

Given the mixed performance and economic challenges, a HOLD recommendation is appropriate. While the company shows improvement in operating cash flow, declining profitability and EPS raise concerns. A price target cannot be accurately determined without further financial modeling and sector benchmarking. The time horizon is MEDIUM_TERM, pending more clarity on economic conditions and SIBL’s ability to improve profitability.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 6, 2025

⏸️ SIBL: HOLD Signal (5/10) – 142nd MEETING OF THE BOARD OF DIRECTORS OF SECURITY INVESTMENT BANK LIMITED

⚡ Flash Summary

Security Investment Bank Limited (SIBL) is scheduled to hold its 142nd Board of Directors meeting on Saturday, October 25, 2025, to review and approve the financial statements for the quarter ended September 30, 2025. A ‘Closed Period’ has been declared from October 18, 2025, to October 25, 2025, restricting directors, the CEO, and executives from dealing in the company’s shares during this time. This restriction complies with the Code of Corporate Governance of the Pakistan Stock Exchange Limited. TRE Certificate Holders of the Exchange must be informed accordingly.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • 🗓️ The 142nd Board of Directors meeting is scheduled for October 25, 2025.
  • 🏢 The meeting will take place at 1:00 PM at Madina City Mall, Karachi.
  • 📜 The primary agenda is to review and approve the financial statements for the quarter ended September 30, 2025.
  • 🚫 A ‘Closed Period’ is in effect from October 18 to October 25, 2025.
  • 🔒 Directors, the CEO, and executives are prohibited from trading SIBL shares during the ‘Closed Period’.
  • 🇵🇰 This restriction is in compliance with Clause 5.19.15 of the Pakistan Stock Exchange’s Code of Corporate Governance.
  • 📢 TRE Certificate Holders must be informed about the ‘Closed Period’.
  • 🏦 The announcement is made by Shakeel Ahmed, the Chief Financial Officer of Security Investment Bank Limited.
  • 🌐 More information can be found on the company’s website: www.sibl.com.pk.
  • 📞 Contact information is provided for both Islamabad and Karachi offices.

🎯 Investment Thesis

Given the lack of financial information, a definitive BUY/SELL/HOLD recommendation cannot be made. However, the company’s adherence to corporate governance standards suggests a commitment to transparency and regulatory compliance, which is a positive indicator. A HOLD rating is appropriate until more financial information becomes available.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: October 20, 2025

⏸️ SIBL: HOLD Signal (5/10) – 142nd MEETING OF THE BOARD OF DIRECTORS OF SECURITY INVESTMENT BANK LIMITED

⚡ Flash Summary

Security Investment Bank Limited (SIBL) announced the 142nd meeting of its Board of Directors scheduled for October 25, 2025, to review and approve the financial statements for the quarter ended September 30, 2025. In compliance with regulatory requirements, the company has declared a ‘Closed Period’ from October 18, 2025, to October 25, 2025. This restriction prohibits Directors, the CEO, and Executives from dealing in the company’s shares during this period. TRE Certificate Holders have been notified accordingly.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • 🗓️ SIBL’s 142nd Board of Directors meeting is scheduled for October 25, 2025.
  • 🏢 The meeting will take place at 5th Floor, Madina City Mall, Abdullah Haroon Road, Karachi.
  • 🕒 The meeting will start at 01:00 pm.
  • 🧾 The primary agenda is to review and approve the financial statements for the quarter ended September 30, 2025.
  • 🔒 A ‘Closed Period’ has been declared from October 18, 2025, to October 25, 2025.
  • 🚫 During the ‘Closed Period’, Directors, CEO, and Executives are prohibited from trading in SIBL shares.
  • 📜 The ‘Closed Period’ is required under Clause 5.19.15 of the Code of Corporate Governance.
  • 🇵🇰 This code is contained in the Rule Book of the Pakistan Stock Exchange Limited.
  • ✉️ TRE Certificate Holders of the Exchange have been informed about the ‘Closed Period’.
  • 👤 Shakeel Ahmed, Chief Financial Officer, is the contact person for the announcement.

🎯 Investment Thesis

Given the lack of specific financial details in the announcement, a HOLD recommendation is appropriate. Investors should await the financial results for the quarter ending September 30, 2025, before making any investment decisions. Further analysis will be required upon the release of those financials.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: October 17, 2025