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 | 26,201 | 28,791 | 35,200 | 58,398 | 55,922 | 53,869 | 104,521 | 189,448 | 225,052 | 165,934 | 162,998 |
Mark-up/interest expense | -14,134 | -14,831 | -18,925 | -37,278 | -31,388 | -28,035 | -64,533 | -118,395 | -144,669 | -96,308 | -94,712 |
Net mark-up/interest income | 12,066 | 13,960 | 16,275 | 21,120 | 24,534 | 25,834 | 39,988 | 71,053 | 80,383 | 69,626 | 68,288 |
Total non-mark-up/interest income | 6,932 | 5,591 | 6,260 | 7,247 | 8,231 | 8,509 | 8,958 | 12,089 | 17,362 | 29,447 | 34,582 |
- Fee commission and brokerage income | 2,715 | 3,087 | 3,547 | 4,113 | 3,861 | 5,094 | 6,628 | 8,518 | 10,474 | 12,852 | 13,837 |
- Dividend income | 276 | 160 | 170 | 424 | 378 | 464 | 572 | 334 | 413 | 525 | 691 |
- Income from dealing in foreign currencies | 1,368 | 1,385 | 1,971 | 2,833 | 2,093 | 2,379 | 2,848 | 4,758 | 5,331 | 7,820 | 8,584 |
- Gain/(loss) on sale of securities | 2,093 | 846 | 51 | -579 | 1,697 | 310 | -1,560 | -1,913 | 905 | 7,840 | 10,915 |
- Unrealized gain/(loss) on HFT investments | 11 | -4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
- Other income | 491 | 141 | 521 | 457 | 201 | 262 | 470 | 392 | 239 | 409 | 555 |
- Share of profit of associates | -22 | -23 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Revenue | 18,999 | 19,552 | 22,535 | 28,367 | 32,765 | 34,343 | 48,946 | 83,142 | 97,745 | 99,073 | 102,870 |
Total provisions | -564 | 496 | 422 | -843 | -2,254 | -47 | 940 | -913 | 2,465 | 4,879 | 2,067 |
- Provision against non-performing loans and advances | -657 | 586 | 434 | -645 | -2,279 | -804 | 457 | -728 | 2,036 | 3,541 | 1,588 |
- Provision against off-balance sheet obligations | -4 | -5 | -32 | 17 | -88 | -7 | 60 | -47 | -7 | -87 | -239 |
- Provision for diminution in the value of investments | 17 | -183 | -93 | -308 | 72 | 325 | 168 | -550 | 187 | 1,065 | -70 |
- Bad debts written off directly | 81 | 98 | 113 | 93 | 40 | 439 | 255 | 412 | 249 | 360 | 451 |
Administrative expense | -11,661 | -12,608 | -14,492 | -17,068 | -19,401 | -20,606 | -26,995 | -39,801 | -48,676 | -55,863 | -58,177 |
Other provisions/write-offs | 28 | -5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other charges | -144 | -166 | -90 | -33 | -114 | -7 | -37 | -119 | -97 | -81 | -80 |
Workers welfare fund | 0 | 0 | -173 | -233 | -225 | -274 | -461 | -887 | -1,029 | -960 | -965 |
Profit before tax | 6,659 | 7,269 | 8,202 | 10,192 | 10,770 | 13,409 | 22,393 | 41,422 | 50,408 | 47,047 | 45,716 |
Total taxation | -2,357 | -2,755 | -3,365 | -4,151 | -4,260 | -5,256 | -11,160 | -21,376 | -27,379 | -25,344 | -24,007 |
- Current | -2,263 | -2,648 | -3,308 | -4,457 | -4,337 | -5,099 | -11,122 | -21,288 | -25,800 | -24,670 | -17,017 |
- Prior years | 901 | 882 | 1,664 | 359 | -5 | -58 | 1,037 | -747 | 0 | -2,266 | -2,266 |
- Deferred | -995 | -989 | -1,720 | -54 | 82 | -98 | -1,075 | 659 | -1,579 | 1,592 | 173 |
Profit after tax | 4,302 | 4,515 | 4,837 | 6,041 | 6,511 | 8,153 | 11,233 | 20,046 | 23,028 | 21,703 | 21,708 |
Profit after tax and preference dividends | 4,302 | 4,515 | 4,837 | 6,041 | 6,511 | 8,153 | 11,233 | 20,046 | 23,028 | 21,703 | 21,708 |
EPS - Basic | 2.57 | 2.97 | 3.19 | 3.98 | 4.29 | 5.37 | 7.40 | 13.21 | 15.17 | 14.30 | 14.30 |
EPS - Diluted | 2.57 | 2.97 | 3.19 | 3.98 | 4.29 | 5.37 | 7.40 | 13.21 | 15.17 | 14.30 | 14.30 |
DPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.50 | 7.00 | 4.00 | 7.00 | 6.50 | - |