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 | 57,145 | 56,183 | 59,677 | 92,528 | 92,623 | 100,192 | 213,950 | 412,005 | 507,120 | 356,952 | 342,263 |
Mark-up/interest expense | -28,154 | -27,200 | -27,752 | -47,628 | -47,929 | -54,148 | -136,679 | -286,053 | -380,338 | -221,069 | -203,018 |
Net mark-up/interest income | 28,991 | 28,983 | 31,926 | 44,900 | 44,694 | 46,044 | 77,271 | 125,952 | 126,782 | 135,883 | 139,245 |
Total non-mark-up/interest income | 9,519 | 9,762 | 11,365 | 11,024 | 13,546 | 17,237 | 22,707 | 30,089 | 45,775 | 47,387 | 57,994 |
- Fee commission and brokerage income | 5,582 | 6,543 | 6,984 | 7,115 | 6,787 | 8,523 | 11,232 | 15,429 | 17,960 | 16,409 | 16,905 |
- Dividend income | 479 | 461 | 357 | 339 | 314 | 492 | 1,091 | 1,023 | 1,328 | 2,803 | 2,590 |
- Income from dealing in foreign currencies | 1,004 | 1,443 | 2,183 | 2,826 | 3,398 | 4,128 | 9,219 | 9,555 | 9,545 | 12,086 | 13,838 |
- Gain/(loss) on sale of securities | 1,519 | 854 | 950 | 65 | 2,285 | 3,144 | -163 | 296 | 14,021 | 12,865 | 22,728 |
- Unrealized gain/(loss) on HFT investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
- Other income | 403 | 26 | 244 | 131 | 149 | 377 | 658 | 2,095 | 1,688 | 1,932 | 1,396 |
- Share of profit of associates | 532 | 435 | 646 | 547 | 613 | 573 | 670 | 1,691 | 1,233 | 1,292 | 538 |
Total Revenue | 38,510 | 38,746 | 43,291 | 55,924 | 58,240 | 63,281 | 99,977 | 156,041 | 172,557 | 183,271 | 197,238 |
Total provisions | -1,183 | 616 | 16 | -3,029 | -7,589 | -2,312 | -12,467 | -10,325 | -271 | -3,310 | -1,835 |
- Provision against non-performing loans and advances | -1,083 | 445 | -345 | -2,134 | -8,172 | -1,869 | -8,944 | -10,509 | -1,861 | -2,875 | -851 |
- Provision against off-balance sheet obligations | 0 | 39 | 18 | -157 | -126 | -1,017 | -1,337 | -1,567 | 664 | -1,802 | -1,625 |
- Provision for diminution in the value of investments | -101 | -96 | 95 | -1,018 | 549 | 171 | -2,499 | 972 | 343 | 536 | 872 |
- Bad debts written off directly | 0 | 228 | 248 | 280 | 160 | 403 | 312 | 779 | 584 | 831 | 584 |
Administrative expense | -23,968 | -24,995 | -24,719 | -29,203 | -31,619 | -36,539 | -49,898 | -64,982 | -85,119 | -116,521 | -121,034 |
Other provisions/write-offs | 114 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other charges | -118 | -33 | -8 | -270 | -95 | -26 | -27 | -279 | -223 | -93 | -101 |
Workers welfare fund | 0 | -264 | -396 | -508 | -494 | -498 | -907 | -1,715 | -1,697 | -1,384 | -1,597 |
Extraordinary/unusual items | 0 | 201 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -75 | 8 |
Profit before tax | 13,355 | 14,272 | 18,184 | 22,915 | 18,443 | 23,907 | 36,677 | 78,740 | 85,247 | 61,887 | 72,681 |
Total taxation | -5,415 | -5,658 | -7,193 | -9,884 | -7,600 | -9,446 | -18,280 | -42,651 | -45,384 | -34,087 | -38,747 |
- Current | -4,729 | -4,999 | -7,593 | -9,852 | -9,595 | -9,755 | -22,241 | -42,030 | -42,524 | -36,545 | -41,494 |
- Prior years | 438 | 1,883 | 238 | -556 | 47 | 509 | 2,619 | -1,652 | 2,339 | -3,586 | 293 |
- Deferred | -1,123 | -2,542 | 162 | 524 | 1,949 | -200 | 1,342 | 1,031 | -5,199 | 6,044 | 2,453 |
Profit after tax | 7,939 | 8,614 | 10,991 | 13,032 | 10,843 | 14,460 | 18,397 | 36,089 | 39,863 | 27,800 | 33,933 |
Profit after tax a/t non-controlling interest | 49 | 99 | 92 | -15 | 11 | 24 | 3 | -425 | 10 | -2 | 0 |
Profit after tax a/t company owners | 7,890 | 8,515 | 10,899 | 13,047 | 10,832 | 14,437 | 18,395 | 36,514 | 39,853 | 27,802 | 33,933 |
Profit after tax and preference dividends | 7,890 | 8,515 | 10,899 | 13,047 | 10,832 | 14,437 | 18,395 | 36,514 | 39,853 | 27,802 | 33,933 |
EPS - Basic | 4.09 | 4.39 | 6.15 | 7.35 | 6.10 | 8.12 | 10.35 | 22.75 | 25.27 | 17.67 | 10.76 |
EPS - Diluted | 4.09 | 4.37 | 6.15 | 7.35 | 6.10 | 8.12 | 10.35 | 22.75 | 25.27 | 17.67 | 10.76 |
DPS | 0.00 | 0.77 | 1.36 | 2.25 | 2.26 | 2.26 | 2.82 | 4.03 | 4.26 | 5.25 | - |
