BankIslami Pakistan Limited (BIPL)

COMMERCIAL BANKSALLSHRKMIALLSHR

28.11

+1.04%

As of 25-Aug-2026

52 Week RangeCurrent: 28.11

23.6044.10

Updated: 25-Aug-2026

1M+4.5%

3M+11.7%

1Y-10.3%

3Y+153.3%

5Y+276.3%

Valuation Snapshot

Review how the market has valued this company across price multiples.

Updated through 21-Aug-2026

P/E

8.54x

P/B

0.63x

Showing 37 observations

Annual Ratio Highlights

Metric	2021	2022	2023	2024	2025
EPS	1.92	4.00	9.57	10.67	5.41
DPS	0.00	1.00	2.75	2.75	2.75
BVPS	20.30 PKR mn / Shr	23.86 PKR mn / Shr	32.81 PKR mn / Shr	43.49 PKR mn / Shr	43.85 PKR mn / Shr
PBV	1.37	1.16	0.85	0.64	0.63
Div Yield	0.00%	3.60%	9.91%	9.91%	9.91%
ROE	10.05%	18.14%	33.78%	27.98%	12.40%
ROA	0.57%	0.99%	1.86%	1.70%	0.80%
NII Growth	-12.47%	86.63%	96.96%	15.44%	-23.14%
Non Interest Income Growth	29.60%	69.84%	-6.34%	36.19%	107.25%
Revenue Growth	-7.59%	83.89%	81.47%	17.04%	-11.40%
PBT Growth	23.12%	142.21%	144.15%	27.08%	-45.30%
PAT Growth	25.13%	108.35%	138.96%	11.54%	-49.27%
Payout Ratio	0.00%	25.00%	28.74%	25.77%	50.83%

Metric	2021	2022	2023	2024	2025
Cost to Income	73.74%	49.84%	38.06%	44.56%	70.48%
Effective Tax Rate	37.27%	46.04%	47.18%	53.65%	57.01%
Operating Expense	3.07%	3.14%	3.53%	4.20%	5.22%
EPS Growth	24.68%	108.33%	139.25%	11.53%	-49.31%

Metric	2021	2022	2023	2024	2025
Net Interest Income / Deposits	3.49%	5.36%	8.56%	8.58%	5.85%
Non Interest Income / Deposits	0.68%	0.95%	0.72%	0.85%	1.56%
Total Revenue / Deposits	4.16%	6.31%	9.28%	9.43%	7.41%
Provisions / Deposits	0.01%	1.00%	1.47%	0.51%	-0.10%
Provisions / Advances	0.02%	1.99%	3.19%	1.04%	-0.22%
Profit before WWF & Tax/Deposits	1.11%	2.21%	4.37%	4.82%	2.34%
WWF Rate	2.05%	1.97%	2.00%	2.00%	2.00%
Tax Rate	37.27%	46.04%	47.18%	53.65%	57.01%
Net Profit / Deposits	0.68%	1.17%	2.26%	2.19%	0.98%
Deposits / Equity	1,531.64%	1,572.45%	1,436.66%	1,159.76%	1,358.01%