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 | 33,180 | 34,201 | 43,061 | 72,922 | 77,121 | 74,359 | 135,178 | 209,337 | 241,204 | 163,621 | 162,539 |
Mark-up/interest expense | -21,406 | -19,950 | -26,407 | -54,954 | -47,698 | -44,200 | -93,512 | -136,139 | -168,758 | -95,512 | -99,685 |
Net mark-up/interest income | 11,774 | 14,252 | 16,654 | 17,967 | 29,424 | 30,159 | 41,665 | 73,198 | 72,446 | 68,109 | 62,855 |
Total non-mark-up/interest income | 8,889 | 5,865 | 6,100 | 7,410 | 9,717 | 11,234 | 13,560 | 15,422 | 21,431 | 24,735 | 25,230 |
- Fee commission and brokerage income | 3,084 | 3,489 | 4,144 | 5,295 | 5,440 | 6,967 | 8,031 | 9,463 | 10,841 | 11,421 | 11,400 |
- Dividend income | 122 | 430 | 103 | 102 | 192 | 161 | 329 | 658 | 775 | 957 | 1,145 |
- Income from dealing in foreign currencies | 1,036 | 1,172 | 1,498 | 3,117 | 4,087 | 3,707 | 5,094 | 5,203 | 7,094 | 8,241 | 8,930 |
- Gain/(loss) on sale of securities | 4,325 | 423 | 85 | -1,167 | -44 | 102 | -64 | -5 | 2,477 | 3,993 | 3,637 |
- Other income | 322 | 352 | 269 | 64 | 42 | 296 | 171 | 103 | 242 | 123 | 120 |
Total Revenue | 20,663 | 20,117 | 22,754 | 25,378 | 39,141 | 41,392 | 55,226 | 88,620 | 93,876 | 92,844 | 88,084 |
Total provisions | -845 | 113 | -382 | -420 | -3,621 | -2,052 | -3,760 | -5,102 | -4,342 | -1,996 | -916 |
- Provision against non-performing loans and advances | -812 | 269 | -432 | -380 | -3,213 | -2,251 | -3,606 | -5,120 | -4,273 | -2,241 | -425 |
- Provision against off-balance sheet obligations | 0 | 149 | 41 | -1 | -252 | 166 | -1 | 0 | 198 | -83 | -725 |
- Provision for diminution in the value of investments | -33 | -343 | -86 | -56 | -173 | 1 | -236 | -60 | -338 | 11 | 467 |
- Bad debts written off directly | 0 | 38 | 94 | 17 | 17 | 32 | 84 | 79 | 70 | 316 | 113 |
Administrative expense | -9,408 | -10,535 | -11,798 | -12,982 | -14,573 | -16,858 | -22,328 | -29,147 | -34,063 | -39,524 | -42,186 |
Other provisions/write-offs | 171 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other charges | -233 | -3 | -31 | -102 | -97 | -171 | -68 | -123 | -188 | -294 | -7 |
Workers welfare fund | 0 | -181 | -198 | -246 | -463 | -323 | -601 | -1,123 | -1,179 | -1,023 | -902 |
Profit before tax | 10,348 | 9,511 | 10,345 | 11,629 | 20,386 | 21,988 | 28,469 | 53,125 | 54,105 | 50,008 | 44,073 |
Total taxation | -4,219 | -3,646 | -3,924 | -4,667 | -8,051 | -8,126 | -13,545 | -27,888 | -28,339 | -26,847 | -23,221 |
- Current | -3,522 | -2,781 | -3,403 | -3,741 | -8,788 | -8,346 | -14,220 | -28,601 | -30,002 | -26,683 | -21,057 |
- Prior years | -582 | -413 | 0 | -294 | 0 | 1 | 0 | -1,860 | 1,664 | -164 | -342 |
- Deferred | -115 | -452 | -521 | -632 | 738 | 219 | 675 | 2,573 | 0 | 0 | 3,155 |
Profit after tax | 6,129 | 5,865 | 6,421 | 6,962 | 12,335 | 13,862 | 14,924 | 25,237 | 25,766 | 23,161 | 20,853 |
Profit after tax a/t non-controlling interest | 0 | 194 | 241 | 316 | 282 | 345 | 551 | 679 | 822 | 497 | 574 |
Profit after tax a/t company owners | 6,129 | 5,671 | 6,180 | 6,646 | 12,053 | 13,518 | 14,374 | 24,558 | 24,944 | 22,663 | 20,278 |
Profit after tax and preference dividends | 6,129 | 5,671 | 6,180 | 6,646 | 12,053 | 13,518 | 14,374 | 24,558 | 24,944 | 22,663 | 20,278 |
EPS - Basic | 5.85 | 5.41 | 5.90 | 6.34 | 11.50 | 12.90 | 13.72 | 23.44 | 23.80 | 21.63 | 19.90 |
EPS - Diluted | 5.85 | 5.41 | 5.90 | 6.34 | 11.50 | 12.90 | 13.72 | 23.44 | 23.80 | 21.63 | 19.90 |
DPS | 2.94 | 3.04 | 2.03 | 2.56 | 4.51 | 5.02 | 5.33 | 10.56 | 12.13 | 12.00 | - |