Bank Alfalah Limited (PSX:BAFL)
94.00
+4.71 (5.27%)
At close: Aug 12, 2025
Bank Alfalah Income Statement
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2016 - 2020 |
---|---|---|---|---|---|---|---|
Period Ending | Jun '25 Jun 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2016 - 2020 |
Interest Income on Loans | 436,988 | 507,120 | 412,005 | 214,106 | 100,412 | 92,623 | Upgrade |
Interest Income on Investments | 1,834 | 1,328 | 1,023 | 1,091 | 492.3 | 313.53 | Upgrade |
Total Interest Income | 438,821 | 508,448 | 413,028 | 215,197 | 100,904 | 92,937 | Upgrade |
Interest Paid on Deposits | 305,111 | 380,338 | 286,053 | 136,933 | 54,148 | 47,929 | Upgrade |
Net Interest Income | 133,710 | 128,110 | 126,975 | 78,264 | 46,756 | 45,008 | Upgrade |
Net Interest Income Growth (YoY) | 2.23% | 0.89% | 62.24% | 67.39% | 3.88% | -0.51% | Upgrade |
Gain (Loss) on Sale of Assets | 77.3 | 136.52 | 145.03 | 111.97 | 53.35 | 67.31 | Upgrade |
Gain (Loss) on Sale of Investments | 19,662 | 14,021 | 295.74 | -65.02 | 3,144 | 2,285 | Upgrade |
Gain (Loss) on Sale of Equity Investments | 1,284 | 1,233 | 1,691 | 669.83 | 573.25 | 612.62 | Upgrade |
Other Non-Interest Income | 27,182 | 28,993 | 27,466 | 20,821 | 12,658 | 10,212 | Upgrade |
Total Non-Interest Income | 48,205 | 44,383 | 29,597 | 21,538 | 16,428 | 13,177 | Upgrade |
Non-Interest Income Growth (YoY) | 32.78% | 49.96% | 37.42% | 31.11% | 24.67% | 23.82% | Upgrade |
Revenues Before Loan Losses | 181,915 | 172,493 | 156,572 | 99,802 | 63,184 | 58,185 | Upgrade |
Provision for Loan Losses | 1,378 | 249.76 | 10,325 | 12,467 | 2,375 | 7,589 | Upgrade |
180,536 | 172,244 | 146,247 | 87,335 | 60,808 | 50,595 | Upgrade | |
Revenue Growth (YoY) | 11.44% | 17.78% | 67.45% | 43.62% | 20.19% | -4.27% | Upgrade |
Salaries and Employee Benefits | 1,599 | 1,697 | 1,715 | 907.44 | 498.44 | 494.43 | Upgrade |
Selling, General & Administrative | 15,131 | 7,858 | 6,898 | 4,427 | 2,877 | 2,467 | Upgrade |
Other Non-Interest Expense | 85,219 | 76,761 | 58,696 | 45,306 | 33,545 | 29,247 | Upgrade |
Total Non-Interest Expense | 102,844 | 87,039 | 67,671 | 50,833 | 37,063 | 32,208 | Upgrade |
EBT Excluding Unusual Items | 77,692 | 85,205 | 78,577 | 36,503 | 23,746 | 18,388 | Upgrade |
Asset Writedown | -21.47 | -21.47 | - | - | 63.57 | - | Upgrade |
Other Unusual Items | 65.12 | 63.75 | 161.12 | 174.86 | 97.25 | 55.55 | Upgrade |
Pretax Income | 77,016 | 85,247 | 78,738 | 36,677 | 23,907 | 18,443 | Upgrade |
Income Tax Expense | 43,930 | 45,384 | 42,651 | 18,280 | 9,446 | 7,600 | Upgrade |
Earnings From Continuing Operations | 33,087 | 39,863 | 36,086 | 18,397 | 14,460 | 10,843 | Upgrade |
Earnings From Discontinued Operations | -81.71 | - | - | - | - | - | Upgrade |
Minority Interest in Earnings | -8.14 | -9.68 | 425.1 | -2.7 | -23.76 | -11.11 | Upgrade |
Net Income | 32,997 | 39,854 | 36,511 | 18,395 | 14,437 | 10,832 | Upgrade |
Net Income to Common | 32,997 | 39,854 | 36,511 | 18,395 | 14,437 | 10,832 | Upgrade |
Net Income Growth | -17.13% | 9.15% | 98.49% | 27.42% | 33.28% | -16.98% | Upgrade |
Basic Shares Outstanding | 1,577 | 1,577 | 1,577 | 1,773 | 1,777 | 1,777 | Upgrade |
Diluted Shares Outstanding | 1,577 | 1,577 | 1,577 | 1,773 | 1,777 | 1,777 | Upgrade |
Shares Change (YoY) | -0.00% | - | -11.03% | -0.25% | - | 0.05% | Upgrade |
EPS (Basic) | 20.92 | 25.27 | 23.15 | 10.38 | 8.12 | 6.10 | Upgrade |
EPS (Diluted) | 20.92 | 25.27 | 23.15 | 10.38 | 8.12 | 6.10 | Upgrade |
EPS Growth | -17.13% | 9.15% | 123.09% | 27.74% | 33.28% | -17.02% | Upgrade |
Dividend Per Share | 9.500 | 8.500 | 8.000 | 5.000 | 4.000 | 4.000 | Upgrade |
Dividend Growth | -20.83% | 6.25% | 60.00% | 25.00% | - | - | Upgrade |
Effective Tax Rate | 57.04% | 53.24% | 54.17% | 49.84% | 39.51% | 41.21% | Upgrade |
Source: S&P Global Market Intelligence. Banks template. Financial Sources.