Bank Alfalah Income Statement

Financials in millions PKR. Fiscal year is January - December.

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	356,952	507,120	412,005	214,106	100,412
Interest Income on Investments	2,803	1,328	1,023	1,091	492.3
Total Interest Income	359,755	508,448	413,028	215,197	100,904
Interest Paid on Deposits	221,069	380,338	286,053	136,933	54,148
Net Interest Income	138,686	128,110	126,975	78,264	46,756
Net Interest Income Growth (YoY)	8.26%	0.89%	62.24%	67.39%	3.88%
Gain (Loss) on Sale of Assets	-	136.52	145.03	111.97	53.35
Gain (Loss) on Sale of Investments	12,865	14,021	295.74	-65.02	3,144
Gain (Loss) on Sale of Equity Investments	1,292	1,233	1,691	669.83	573.25
Other Non-Interest Income	30,427	28,993	27,466	20,821	12,658
Total Non-Interest Income	44,585	44,383	29,597	21,538	16,428
Non-Interest Income Growth (YoY)	0.45%	49.96%	37.42%	31.11%	24.67%
Revenues Before Loan Losses	183,271	172,493	156,572	99,802	63,184
Provision for Loan Losses	3,310	249.76	10,325	12,467	2,375
Revenue	179,961	172,244	146,247	87,335	60,808
Revenue Growth (YoY)	4.48%	17.78%	67.45%	43.62%	20.19%
Salaries and Employee Benefits	1,384	1,697	1,715	907.44	498.44
Selling, General & Administrative	-	7,858	6,898	4,427	2,877
Other Non-Interest Expense	116,614	76,761	58,696	45,306	33,545
Total Non-Interest Expense	117,998	87,039	67,671	50,833	37,063
EBT Excluding Unusual Items	61,963	85,205	78,577	36,503	23,746
Asset Writedown	-	-21.47	-	-	63.57
Other Unusual Items	-	63.75	161.12	174.86	97.25
Pretax Income	61,963	85,247	78,738	36,677	23,907
Income Tax Expense	34,087	45,384	42,651	18,280	9,446
Earnings From Continuing Operations	27,876	39,863	36,086	18,397	14,460
Earnings From Discontinued Operations	-77.2	-	-	-	-
Minority Interest in Earnings	1.81	-9.68	425.1	-2.7	-23.76
Net Income	27,800	39,854	36,511	18,395	14,437
Net Income to Common	27,800	39,854	36,511	18,395	14,437
Net Income Growth	-30.24%	9.15%	98.49%	27.42%	33.28%
Basic Shares Outstanding	1,578	1,577	1,577	1,773	1,777
Diluted Shares Outstanding	1,578	1,577	1,577	1,773	1,777
Shares Change (YoY)	0.04%	-	-11.03%	-0.25%	-
EPS (Basic)	17.62	25.27	23.15	10.38	8.12
EPS (Diluted)	17.62	25.27	23.15	10.38	8.12
EPS Growth	-30.27%	9.15%	123.09%	27.74%	33.28%
Dividend Per Share	10.500	8.500	8.000	5.000	4.000
Dividend Growth	23.53%	6.25%	60.00%	25.00%	-
Effective Tax Rate	55.01%	53.24%	54.17%	49.84%	39.51%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.