As of 10-Jul-2026
Core annual income statement fields
MetricsPKR(mn) | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTMas of 01-Mar-2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
Mark-up/interest revenue | 64,610 | 65,711 | 73,275 | 122,639 | 110,549 | 118,654 | 215,478 | 357,009 | 376,907 | 297,322 | 309,355 |
Mark-up/interest expense | -31,344 | -34,129 | -41,157 | -80,761 | -62,153 | -73,092 | -148,768 | -244,096 | -261,543 | -192,218 | -201,829 |
Net mark-up/interest income | 33,266 | 31,581 | 32,118 | 41,878 | 48,396 | 45,562 | 66,710 | 112,913 | 115,364 | 105,104 | 107,525 |
Total non-mark-up/interest income | 11,869 | 9,349 | 11,880 | 11,757 | 13,443 | 16,762 | 21,403 | 26,563 | 31,160 | 31,743 | 31,391 |
- Fee commission and brokerage income | 4,476 | 4,558 | 4,981 | 5,703 | 6,185 | 7,596 | 8,953 | 11,843 | 16,178 | 19,053 | 19,462 |
- Dividend income | 3,778 | 3,257 | 2,828 | 1,903 | 1,774 | 2,320 | 3,182 | 3,543 | 3,018 | 2,903 | 3,265 |
- Income from dealing in foreign currencies | 645 | 762 | 1,504 | 1,992 | 1,664 | 1,973 | 7,948 | 9,167 | 6,690 | 5,193 | 4,728 |
- Gain/(loss) on sale of securities | 2,740 | 611 | 2,319 | 1,764 | 3,487 | 4,306 | 1,257 | 845 | 3,444 | 2,920 | 1,960 |
- Unrealized gain/(loss) on HFT investments | 129 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
- Other income | 100 | 160 | 247 | 395 | 334 | 565 | 62 | 200 | 1,005 | 1,002 | 1,458 |
- Share of profit of associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 966 | 826 | 671 | 518 |
Total Revenue | 45,135 | 40,930 | 43,998 | 53,635 | 61,839 | 62,324 | 88,112 | 139,476 | 146,525 | 136,846 | 138,916 |
Total provisions | 260 | 2,526 | 1,090 | -547 | -844 | 811 | 261 | -2,977 | 2,710 | 7,641 | 6,472 |
- Provision against non-performing loans and advances | 335 | 1,967 | 1,133 | 394 | -349 | 807 | 474 | -683 | -257 | 2,595 | 2,644 |
- Provision against off-balance sheet obligations | 0 | 408 | -85 | -107 | 57 | -61 | -10 | -246 | 159 | 3,377 | 3,173 |
- Provision for diminution in the value of investments | -75 | -9 | -109 | -979 | -578 | 11 | -290 | -2,065 | 2,801 | 1,647 | 613 |
- Bad debts written off directly | 0 | 160 | 151 | 146 | 26 | 54 | 86 | 17 | 8 | 21 | 44 |
Administrative expense | -20,619 | -21,793 | -24,891 | -28,966 | -30,281 | -33,680 | -40,255 | -47,681 | -57,754 | -66,823 | -68,432 |
Other provisions/write-offs | -62 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other charges | -537 | -97 | -82 | -195 | -113 | -170 | -358 | -235 | -319 | -354 | -391 |
Workers welfare fund | 0 | -423 | 1,118 | 775 | -627 | -599 | -979 | -1,774 | -1,447 | -1,519 | -1,524 |
Profit before tax | 24,178 | 21,144 | 21,233 | 24,702 | 29,975 | 28,685 | 46,782 | 86,809 | 89,714 | 75,792 | 75,040 |
Total taxation | -9,478 | -8,218 | -8,201 | -10,213 | -11,597 | -11,182 | -25,534 | -45,508 | -45,325 | -39,463 | -38,867 |
- Current | -8,575 | -7,389 | -7,780 | -9,267 | -12,127 | -11,635 | -24,215 | -43,364 | -48,417 | -36,812 | -36,841 |
- Prior years | -950 | -956 | 4 | -835 | -3 | 0 | -2,007 | -2,955 | 2,444 | -1,346 | -1,346 |
- Deferred | 47 | 128 | -425 | -111 | 533 | 453 | 688 | 812 | 649 | -1,305 | -680 |
Profit after tax | 14,700 | 12,926 | 13,032 | 14,489 | 18,378 | 17,503 | 21,247 | 41,301 | 44,389 | 36,329 | 36,174 |
Profit after tax and preference dividends | 14,700 | 12,926 | 13,032 | 14,489 | 18,378 | 17,503 | 21,247 | 41,301 | 44,389 | 36,329 | 36,174 |
EPS - Basic | 12.84 | 11.29 | 11.38 | 12.65 | 16.05 | 15.29 | 18.56 | 36.07 | 38.77 | 31.73 | 31.59 |
EPS - Diluted | 12.84 | 11.29 | 11.38 | 12.65 | 16.05 | 15.29 | 18.56 | 36.07 | 38.77 | 31.73 | 31.59 |
DPS | 7.25 | 7.00 | 8.00 | 8.00 | 8.00 | 8.00 | 8.50 | 12.00 | 16.00 | 16.00 | - |