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-Mar-2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
Mark-up/interest revenue | 29,674 | 34,451 | 46,893 | 80,867 | 86,019 | 81,651 | 137,168 | 327,194 | 343,791 | 266,451 | 264,352 |
Mark-up/interest expense | -17,430 | -18,877 | -26,840 | -54,110 | -62,694 | -51,775 | -106,410 | -286,248 | -299,634 | -185,347 | -176,206 |
Net mark-up/interest income | 12,244 | 15,574 | 20,053 | 26,757 | 23,325 | 29,876 | 30,758 | 40,946 | 44,157 | 81,104 | 88,145 |
Total non-mark-up/interest income | 5,294 | 4,591 | 3,673 | 3,940 | 13,046 | 7,904 | 10,576 | 17,718 | 26,689 | 19,864 | 21,070 |
- Fee commission and brokerage income | 975 | 1,226 | 3,245 | 3,530 | 3,732 | 5,103 | 7,332 | 7,429 | 11,374 | 13,576 | 15,372 |
- Dividend income | 62 | 91 | 82 | 104 | 137 | 377 | 708 | 568 | 354 | 335 | 345 |
- Income from dealing in foreign currencies | 75 | 109 | 227 | 11 | 328 | 577 | 1,887 | 298 | 857 | 2,225 | 2,377 |
- Gain/(loss) on sale of securities | 2,526 | 1,316 | 28 | 222 | 8,466 | 1,786 | 343 | 5,255 | 11,763 | 2,955 | 2,050 |
- Unrealized gain/(loss) on HFT investments | -1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
- Other income | 1,658 | 1,849 | 92 | 73 | 382 | 61 | 306 | 4,168 | 2,341 | 772 | 927 |
Total Revenue | 17,539 | 20,165 | 23,726 | 30,696 | 36,371 | 37,780 | 41,334 | 58,664 | 70,846 | 100,968 | 109,215 |
Total provisions | -1,025 | -14,217 | 1,148 | -1,776 | -6,862 | 1,642 | 4,878 | 53 | 4,117 | -4,946 | -3,698 |
- Provision against non-performing loans and advances | -922 | -14,132 | 2,099 | -1,655 | -6,067 | 1,841 | 4,963 | 1,445 | 3,853 | 0 | -2,893 |
- Provision against off-balance sheet obligations | 0 | 0 | -700 | 283 | -287 | 112 | 1,292 | -596 | 370 | 0 | -845 |
- Provision for diminution in the value of investments | -103 | -85 | -248 | -404 | -509 | -312 | -1,378 | -796 | -106 | 0 | 41 |
- Bad debts written off directly | 0 | 0 | -2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Administrative expense | -8,346 | -10,089 | -12,613 | -14,453 | -16,880 | -20,637 | -27,374 | -37,120 | -49,900 | -59,196 | -62,365 |
Other provisions/write-offs | -84 | -513 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other charges | -34 | -43 | -54 | -139 | -304 | -13 | -43 | -55 | -7 | -68 | -67 |
Workers welfare fund | 0 | 0 | 0 | -285 | -335 | -363 | -289 | -324 | -491 | -964 | -1,057 |
Profit before tax | 8,050 | -4,698 | 12,208 | 14,044 | 11,989 | 18,408 | 18,506 | 21,218 | 24,565 | 35,795 | 42,027 |
Total taxation | -3,192 | 1,376 | -4,645 | -5,795 | -5,046 | -5,968 | -7,673 | -9,879 | -11,190 | -19,857 | -23,114 |
- Current | -961 | -2,269 | -2,666 | -5,558 | -6,634 | -7,062 | -7,169 | -8,086 | -8,268 | 0 | -23,521 |
- Prior years | -622 | -228 | -48 | -250 | -12 | 108 | 2 | -869 | -42 | 0 | -805 |
- Deferred | -1,609 | 3,872 | -1,931 | 13 | 1,601 | 986 | -506 | -924 | -2,879 | 0 | 1,213 |
Profit after tax | 4,858 | -3,322 | 7,564 | 8,249 | 6,944 | 12,440 | 10,833 | 11,339 | 13,375 | 15,937 | 18,913 |
Profit after tax and preference dividends | 4,858 | -3,322 | 7,564 | 8,249 | 6,944 | 12,440 | 10,833 | 11,339 | 13,375 | 15,937 | 18,913 |
EPS - Basic | 2.37 | -1.29 | 2.05 | 2.24 | 1.88 | 3.38 | 3.01 | 3.47 | 4.09 | 4.87 | 5.78 |
EPS - Diluted | 2.37 | -1.29 | 2.05 | 2.24 | 1.88 | 3.38 | 3.01 | 3.47 | 4.09 | 4.87 | 5.78 |
DPS | 0.00 | 0.00 | 0.61 | 0.61 | 0.81 | 0.00 | 0.00 | 1.00 | 1.80 | 2.50 | - |