As of 25-Aug-2026
Core annual income statement fields
MetricsPKR(mn) | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTMas of 01-Jun-2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
Mark-up/interest revenue | 35,408 | 36,267 | 43,670 | 71,704 | 77,322 | 77,550 | 165,796 | 305,636 | 401,028 | 300,752 | 310,121 |
Mark-up/interest expense | -20,497 | -20,072 | -25,060 | -49,569 | -47,059 | -45,140 | -125,834 | -246,214 | -337,749 | -213,377 | -221,254 |
Net mark-up/interest income | 14,911 | 16,195 | 18,610 | 22,136 | 30,263 | 32,410 | 39,962 | 59,422 | 63,280 | 87,374 | 88,868 |
Total non-mark-up/interest income | 7,210 | 6,255 | 5,622 | 7,404 | 9,694 | 9,370 | 11,620 | 12,937 | 15,441 | 17,811 | 23,637 |
- Fee commission and brokerage income | 2,439 | 2,707 | 3,116 | 3,617 | 3,851 | 4,609 | 5,446 | 7,085 | 6,966 | 7,654 | 9,236 |
- Dividend income | 305 | 303 | 231 | 274 | 273 | 420 | 486 | 709 | 854 | 964 | 1,224 |
- Income from dealing in foreign currencies | 640 | 843 | 1,596 | 2,508 | 2,673 | 3,124 | 5,494 | 3,897 | 4,078 | 4,273 | 5,588 |
- Gain/(loss) on sale of securities | 3,527 | 2,055 | 260 | 739 | 2,556 | 815 | -251 | 777 | 2,852 | 4,321 | 6,989 |
- Unrealized gain/(loss) on HFT investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
- Other income | 300 | 347 | 418 | 266 | 341 | 402 | 444 | 469 | 691 | 599 | 599 |
Total Revenue | 22,122 | 22,451 | 24,232 | 29,540 | 39,957 | 41,779 | 51,582 | 72,359 | 78,721 | 105,186 | 112,504 |
Total provisions | 659 | 1,205 | -1,461 | -773 | -1,975 | -4,940 | -1,042 | -966 | 1,807 | -1,818 | -560 |
- Provision against non-performing loans and advances | 729 | 1,190 | -467 | 14 | -1,628 | -3,875 | -907 | -1,243 | 433 | -1,680 | -75 |
- Provision against off-balance sheet obligations | 0 | 0 | -87 | 27 | 6 | -1,006 | 1,034 | 2 | 720 | -819 | -1,304 |
- Provision for diminution in the value of investments | -71 | 16 | -1,049 | -931 | -466 | -169 | -1,253 | 148 | 533 | 560 | 652 |
- Bad debts written off directly | 0 | 0 | 143 | 117 | 113 | 110 | 85 | 127 | 120 | 121 | 167 |
Administrative expense | -14,079 | -14,949 | -16,241 | -18,235 | -20,123 | -20,891 | -22,572 | -28,569 | -35,408 | -49,450 | -57,648 |
Other provisions/write-offs | -3 | -22 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other charges | -222 | -193 | -191 | -100 | -48 | -90 | -168 | -246 | -72 | -24 | -27 |
Workers welfare fund | 0 | 0 | 540 | -42 | -43 | -213 | -340 | -533 | -540 | -610 | -653 |
Profit before tax | 8,477 | 8,492 | 6,879 | 10,389 | 17,767 | 15,645 | 27,459 | 42,045 | 44,507 | 53,285 | 53,619 |
Total taxation | -3,256 | -3,224 | -2,448 | -3,372 | -6,967 | -5,944 | -13,398 | -20,610 | -23,485 | -30,482 | -28,051 |
- Current | -2,129 | -2,266 | -2,010 | -4,329 | -7,050 | -6,248 | -13,343 | -20,649 | -20,738 | -27,836 | -23,356 |
- Prior years | -266 | -243 | -1,578 | 707 | 0 | -51 | 0 | 0 | 0 | -3,853 | -3,853 |
- Deferred | -861 | -715 | 1,140 | 250 | 83 | 355 | -55 | 39 | -2,747 | 1,208 | -841 |
Profit after tax | 5,221 | 5,268 | 4,431 | 7,017 | 10,800 | 9,701 | 14,062 | 21,435 | 21,023 | 22,803 | 25,568 |
Profit after tax and preference dividends | 5,221 | 5,268 | 4,431 | 7,017 | 10,800 | 9,701 | 14,062 | 21,435 | 21,023 | 22,803 | 25,568 |
EPS - Basic | 3.60 | 3.63 | 3.06 | 4.84 | 7.45 | 6.69 | 9.70 | 14.79 | 14.51 | 15.73 | 17.64 |
EPS - Diluted | 3.60 | 3.63 | 3.06 | 4.84 | 7.45 | 6.69 | 9.70 | 14.79 | 14.51 | 15.73 | 17.64 |
DPS | 1.30 | 0.87 | 0.87 | 1.30 | 2.61 | 0.00 | 0.00 | 2.50 | 3.00 | 5.00 | - |