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 | 17,524 | 18,505 | 21,600 | 38,790 | 42,228 | 37,133 | 63,057 | 98,033 | 114,093 | 84,375 | 81,229 |
Mark-up/interest expense | -10,680 | -11,846 | -14,647 | -30,864 | -31,573 | -26,196 | -51,790 | -75,275 | -89,146 | -57,333 | -57,010 |
Net mark-up/interest income | 6,844 | 6,659 | 6,953 | 7,926 | 10,655 | 10,938 | 11,267 | 22,759 | 24,948 | 27,042 | 24,219 |
Total non-mark-up/interest income | 2,736 | 3,269 | 3,260 | 2,861 | 3,807 | 4,290 | 5,158 | 6,460 | 6,755 | 8,133 | 9,946 |
- Fee commission and brokerage income | 1,286 | 1,393 | 1,706 | 1,874 | 1,775 | 2,074 | 2,430 | 3,086 | 4,342 | 4,904 | 4,967 |
- Dividend income | 192 | 240 | 259 | 332 | 134 | 350 | 280 | 222 | 115 | 145 | 165 |
- Income from dealing in foreign currencies | 0 | 0 | 0 | 0 | 0 | 1,161 | 2,892 | 3,114 | 2,067 | 1,705 | 2,428 |
- Gain/(loss) on sale of securities | 290 | 437 | 989 | 1,142 | 1,037 | 364 | -533 | -55 | 119 | 1,248 | 2,265 |
- Unrealized gain/(loss) on HFT investments | 945 | 1,158 | 260 | -524 | 818 | 0 | 0 | 0 | 0 | 0 | - |
- Other income | -6 | 0 | 0 | 0 | 0 | 341 | 89 | 93 | 111 | 131 | 120 |
- Share of profit of associates | 29 | 41 | 47 | 37 | 43 | 0 | 0 | 0 | 0 | 0 | - |
Total Revenue | 9,580 | 9,928 | 10,213 | 10,787 | 14,463 | 15,228 | 16,424 | 29,217 | 31,702 | 35,176 | 34,166 |
Total provisions | -24 | -66 | 71 | 589 | -1,402 | 112 | 375 | -1,389 | 461 | 654 | 1,689 |
- Provision against non-performing loans and advances | -31 | -63 | 86 | 673 | -673 | 130 | 400 | -1,290 | 471 | 477 | 893 |
- Provision against off-balance sheet obligations | 0 | 0 | -8 | -81 | -11 | -22 | -26 | 3 | -86 | 199 | 206 |
- Provision for diminution in the value of investments | 7 | -3 | 0 | -2 | -717 | 4 | 0 | -96 | 81 | -9 | 84 |
- Bad debts written off directly | 0 | 0 | -6 | 0 | 0 | 0 | 0 | -6 | -6 | -12 | 9 |
Administrative expense | -6,389 | -6,943 | -7,420 | -8,190 | -8,858 | -10,039 | -12,119 | -15,154 | -19,204 | -23,622 | -25,689 |
Other provisions/write-offs | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other charges | -90 | -88 | -20 | -60 | -83 | -31 | -26 | -65 | -63 | -370 | -255 |
Workers welfare fund | 0 | 0 | 61 | 121 | -86 | -120 | -99 | -252 | -258 | -232 | -194 |
Profit before tax | 3,077 | 2,831 | 2,905 | 3,247 | 4,035 | 5,149 | 4,554 | 12,357 | 12,638 | 11,606 | 9,716 |
Total taxation | -1,198 | -1,188 | -1,121 | -1,341 | -1,634 | -2,295 | -2,671 | -6,282 | -6,737 | -7,049 | -5,260 |
- Current | -1,099 | -1,017 | -1,144 | -1,114 | -1,659 | -2,379 | -2,388 | -6,185 | -6,615 | -6,148 | -3,637 |
- Prior years | -161 | -158 | 0 | -120 | 0 | 0 | -366 | 0 | 0 | -1,720 | -161 |
- Deferred | 62 | -13 | 23 | -107 | 25 | 84 | 83 | -97 | -122 | 819 | -518 |
Profit after tax | 1,879 | 1,643 | 1,784 | 1,906 | 2,400 | 2,854 | 1,883 | 6,075 | 5,901 | 4,558 | 4,457 |
Profit after tax and preference dividends | 1,879 | 1,643 | 1,784 | 1,906 | 2,400 | 2,854 | 1,883 | 6,075 | 5,901 | 4,558 | 4,457 |
EPS - Basic | 1.70 | 1.49 | 1.62 | 1.73 | 2.18 | 2.59 | 1.71 | 5.51 | 5.35 | 4.13 | 4.04 |
EPS - Diluted | 1.70 | 1.49 | 1.62 | 1.73 | 2.18 | 2.59 | 1.71 | 5.51 | 5.35 | 4.13 | 4.04 |
DPS | 1.25 | 0.75 | 1.00 | 1.00 | 1.25 | 1.50 | 1.00 | 3.00 | 3.00 | 1.50 | - |