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 | 30,761 | 36,435 | 48,629 | 94,279 | 106,594 | 110,077 | 232,245 | 431,821 | 494,310 | 420,481 | 433,767 |
Mark-up/interest expense | -12,872 | -15,682 | -20,453 | -47,746 | -41,765 | -41,172 | -110,426 | -205,327 | -207,267 | -168,027 | -178,259 |
Net mark-up/interest income | 17,890 | 20,753 | 28,176 | 46,533 | 64,829 | 68,906 | 121,819 | 226,494 | 287,043 | 252,455 | 255,509 |
Total non-mark-up/interest income | 7,891 | 7,891 | 8,360 | 10,796 | 11,429 | 15,994 | 20,027 | 25,647 | 35,306 | 41,580 | 46,443 |
- Fee commission and brokerage income | 3,818 | 6,030 | 6,823 | 7,427 | 7,216 | 10,861 | 14,729 | 19,636 | 25,838 | 29,751 | 33,569 |
- Dividend income | 345 | 288 | 242 | 276 | 242 | 542 | 629 | 635 | 627 | 380 | 462 |
- Income from dealing in foreign currencies | 1,208 | 1,211 | 1,318 | 2,684 | 2,154 | 3,158 | 3,617 | 3,095 | 829 | 5,478 | 6,569 |
- Gain/(loss) on sale of securities | 1,012 | 939 | -39 | -429 | 753 | 536 | -100 | -698 | 3,325 | 989 | 1,338 |
- Unrealized gain/(loss) on HFT investments | 0 | -2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
- Other income | 342 | 387 | 313 | 536 | 698 | 844 | 1,238 | 1,307 | 1,230 | 1,595 | 1,567 |
- Share of profit of associates | 1,166 | -963 | -298 | 301 | 369 | 52 | -87 | 1,672 | 3,457 | 3,387 | 2,938 |
Total Revenue | 25,781 | 28,644 | 36,536 | 57,329 | 76,258 | 84,900 | 141,846 | 252,141 | 322,349 | 294,035 | 301,953 |
Total provisions | 185 | -1,283 | -1,168 | -4,186 | -8,210 | -993 | -4,177 | -7,340 | -9,222 | -3,886 | -3,112 |
- Provision against non-performing loans and advances | 120 | -720 | -895 | -3,073 | -8,341 | -745 | -3,250 | -7,647 | -8,849 | -3,729 | -3,729 |
- Provision against off-balance sheet obligations | 0 | 0 | 0 | 0 | -7 | -19 | 0 | 0 | 22 | 28 | 28 |
- Provision for diminution in the value of investments | 65 | -587 | -307 | -1,090 | 114 | -215 | -807 | 572 | -222 | 26 | 26 |
- Bad debts written off directly | 0 | 24 | 34 | -24 | 24 | -15 | -120 | -266 | -173 | -211 | -211 |
Administrative expense | -15,307 | -17,126 | -19,787 | -25,454 | -29,269 | -34,939 | -46,842 | -68,772 | -81,656 | -85,405 | -95,306 |
Other provisions/write-offs | 74 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other charges | -4 | -11 | -16 | -82 | -93 | -28 | -95 | -305 | -435 | -81 | -21 |
Workers welfare fund | -212 | -291 | -384 | -628 | -896 | -963 | -1,928 | -3,656 | -4,756 | -4,364 | -4,287 |
Profit before tax | 10,517 | 9,933 | 15,180 | 26,978 | 37,790 | 47,977 | 88,805 | 172,068 | 226,279 | 200,299 | 199,228 |
Total taxation | 3,915 | 4,153 | -6,046 | -11,198 | -15,115 | -19,469 | -43,664 | -86,044 | -122,560 | -108,120 | -105,549 |
- Current | -3,284 | -4,600 | 6,772 | 11,940 | 16,187 | 18,826 | 45,445 | -85,757 | -125,442 | -108,590 | -108,590 |
- Prior years | -268 | -374 | 0 | 470 | 44 | 0 | -368 | -1,958 | 17 | -3,055 | -3,055 |
- Deferred | -363 | 821 | -726 | -1,212 | -1,115 | 643 | -1,413 | 1,672 | 2,865 | 3,525 | 3,525 |
Profit after tax | 6,602 | 5,780 | 9,134 | 15,780 | 22,675 | 28,508 | 45,141 | 86,024 | 103,720 | 92,178 | 93,678 |
Profit after tax a/t non-controlling interest | 421 | 161 | 176 | 195 | 278 | 280 | 205 | 593 | 1,030 | 1,461 | 1,467 |
Profit after tax a/t company owners | 6,182 | 5,619 | 8,958 | 15,584 | 22,397 | 28,228 | 44,937 | 85,432 | 102,689 | 90,717 | 92,212 |
Profit after tax and preference dividends | 6,182 | 5,619 | 8,958 | 15,584 | 22,397 | 28,228 | 44,937 | 85,431 | 102,689 | 90,717 | 92,212 |
EPS - Basic | 3.26 | 2.95 | 4.55 | 7.92 | 11.37 | 14.34 | 25.11 | 47.72 | 57.28 | 50.47 | 51.84 |
EPS - Diluted | 3.26 | 2.95 | 4.55 | 7.92 | 11.37 | 14.34 | 25.10 | 47.66 | 56.96 | 50.15 | 51.84 |
DPS | 1.76 | 1.72 | 2.20 | 3.50 | 4.70 | 5.05 | 8.05 | 19.74 | 27.76 | 28.00 | - |