BankIslami Pakistan Limited (PSX:BIPL)

BankIslami Pakistan Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	82,445	112,801	92,756	46,345	23,227	25,721
Interest Income on Investments	169.04	67.29	68.55	25.75	24.64	17.39
Total Interest Income	82,614	112,868	92,825	46,371	23,251	25,739
Interest Paid on Deposits	43,607	66,414	52,573	25,943	12,275	13,230
Net Interest Income	39,007	46,454	40,252	20,428	10,976	12,509
Net Interest Income Growth (YoY)	-14.89%	15.41%	97.04%	86.11%	-12.25%	15.79%
Gain (Loss) on Sale of Assets	68.15	50.45	39.97	19.59	-3.52	3.61
Gain (Loss) on Sale of Investments	3,669	700.89	272.02	80.09	101.98	242.43
Other Non-Interest Income	4,339	3,671	2,746	3,351	1,720	1,286
Total Non-Interest Income	8,076	4,422	3,058	3,451	1,819	1,532
Non-Interest Income Growth (YoY)	81.70%	44.60%	-11.38%	89.77%	18.68%	-1.26%
Revenues Before Loan Losses	47,083	50,876	43,311	23,879	12,795	14,041
Provision for Loan Losses	845.83	2,734	6,887	3,812	31.89	2,601
Revenue	46,237	48,143	36,424	20,067	12,763	11,440
Revenue Growth (YoY)	0.23%	32.17%	81.51%	57.23%	11.56%	19.40%
Salaries and Employee Benefits	334.83	521.01	410.47	164.56	70.69	55.32
Selling, General & Administrative	849.92	443.91	228.85	208.17	124.32	193.1
Other Non-Interest Expense	28,598	21,749	15,940	11,588	9,428	8,515
Total Non-Interest Expense	29,846	22,714	16,519	11,916	9,615	8,994
EBT Excluding Unusual Items	16,391	25,429	19,905	8,151	3,148	2,447
Other Unusual Items	82.98	100.9	183.72	121.96	85.98	84.93
Pretax Income	16,474	25,530	20,089	8,273	3,234	2,532
Income Tax Expense	9,740	13,696	9,478	3,788	1,266	1,056
Earnings From Continuing Operations	6,734	11,834	10,610	4,484	1,968	1,475
Earnings From Discontinued Operations	-	-	-	-	92.61	92.32
Minority Interest in Earnings	-	-	-	-	-29.69	-21.2
Net Income	6,734	11,834	10,610	4,484	2,031	1,546
Net Income to Common	6,734	11,834	10,610	4,484	2,031	1,546
Net Income Growth	-45.37%	11.53%	136.61%	120.77%	31.35%	39.59%
Basic Shares Outstanding	1,109	1,109	1,109	1,109	1,109	1,109
Diluted Shares Outstanding	1,109	1,109	1,109	1,109	1,109	1,109
Shares Change (YoY)	-	-	-	-	-	8.09%
EPS (Basic)	6.07	10.67	9.57	4.04	1.83	1.39
EPS (Diluted)	6.07	10.67	9.57	4.04	1.83	1.39
EPS Growth	-45.37%	11.53%	136.61%	120.77%	31.35%	29.15%
Dividend Per Share	2.750	2.750	2.750	1.000	-	-
Dividend Growth	10.00%	-	175.00%	-	-	-
Effective Tax Rate	59.12%	53.65%	47.18%	45.80%	39.13%	41.73%

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