Bank Alfalah Income Statement

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	342,263	356,952	507,120	412,005	214,106	100,412
Interest Income on Investments	2,589	2,803	1,328	1,023	1,091	492.3
Total Interest Income	344,851	359,755	508,448	413,028	215,197	100,904
Interest Paid on Deposits	203,017	221,069	380,247	286,053	136,933	54,148
Net Interest Income	141,834	138,686	128,202	126,975	78,264	46,756
Net Interest Income Growth	6.15%	8.18%	0.97%	62.24%	67.39%	3.88%
Gain (Loss) on Sale of Assets	110.72	91.94	136.52	145.03	111.97	53.35
Gain (Loss) on Sale of Investments	22,728	12,865	14,021	295.74	-65.02	3,144
Gain (Loss) on Sale of Equity Investments	536.64	1,292	1,233	1,691	669.83	573.25
Other Non-Interest Income	31,836	30,174	28,901	27,466	20,821	12,658
Total Non-Interest Income	55,212	44,424	44,292	29,597	21,538	16,428
Non-Interest Income Growth	16.01%	0.30%	49.65%	37.42%	31.11%	24.67%
Revenues Before Loan Losses	197,046	183,110	172,493	156,572	99,802	63,184
Provision for Loan Losses	1,834	3,310	249.76	10,325	12,467	2,375
Revenue	195,212	179,800	172,244	146,247	87,335	60,808
Revenue Growth	8.56%	4.39%	17.78%	67.45%	43.62%	20.19%
Salaries and Employee Benefits	1,596	1,384	1,697	1,715	907.44	498.44
Selling, General & Administrative	17,201	20,606	7,858	6,898	4,427	2,877
Other Non-Interest Expense	102,189	94,806	76,761	58,696	45,306	33,545
Total Non-Interest Expense	122,731	117,998	87,039	67,671	50,833	37,063
EBT Excluding Unusual Items	72,481	61,802	85,205	78,577	36,503	23,746
Asset Writedown	-	-	-21.47	-	-	63.57
Other Unusual Items	191.74	160.29	63.75	161.12	174.86	97.25
Pretax Income	72,672	61,963	85,247	78,738	36,677	23,907
Income Tax Expense	38,802	34,087	45,384	42,651	18,280	9,446
Earnings From Continuing Operations	33,870	27,876	39,863	36,086	18,397	14,460
Earnings From Discontinued Operations	6.31	-75.39	-	-	-	-
Minority Interest in Earnings	1.81	1.81	-9.68	425.1	-2.7	-23.76
Net Income	33,878	27,802	39,854	36,511	18,395	14,437
Net Income to Common	33,878	27,802	39,854	36,511	18,395	14,437
Net Income Growth	2.67%	-30.24%	9.15%	98.49%	27.42%	33.28%
Basic Shares Outstanding	3,154	3,154	3,154	3,154	3,545	3,554
Diluted Shares Outstanding	3,154	3,154	3,154	3,154	3,545	3,554
Shares Change	-0.01%	-	-	-11.03%	-0.25%	-
EPS (Basic)	10.74	8.81	12.63	11.58	5.19	4.06
EPS (Diluted)	10.74	8.81	12.63	11.58	5.19	4.06
EPS Growth	2.68%	-30.24%	9.15%	123.09%	27.74%	33.28%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	5.750	5.250	4.250	4.000	2.500	2.000
Dividend Growth	21.05%	23.53%	6.25%	60.00%	25.00%	0%
Effective Tax Rate	53.39%	55.01%	53.24%	54.17%	49.84%	39.51%