BankIslami Pakistan 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	74,235	112,801	92,756	46,345	23,227
Interest Income on Investments	254.92	67.29	68.55	25.75	24.64
Total Interest Income	74,490	112,868	92,825	46,371	23,251
Interest Paid on Deposits	38,551	66,414	52,573	25,943	12,275
Net Interest Income	35,939	46,454	40,252	20,428	10,976
Net Interest Income Growth (YoY)	-22.63%	15.41%	97.04%	86.11%	-12.25%
Gain (Loss) on Sale of Assets	-	50.45	39.97	19.59	-3.52
Gain (Loss) on Sale of Investments	4,172	700.89	272.02	80.09	101.98
Other Non-Interest Income	5,088	3,671	2,746	3,351	1,720
Total Non-Interest Income	9,260	4,422	3,058	3,451	1,819
Non-Interest Income Growth (YoY)	109.39%	44.60%	-11.38%	89.77%	18.68%
Revenues Before Loan Losses	45,199	50,876	43,311	23,879	12,795
Provision for Loan Losses	-631.66	2,734	6,887	3,812	31.89
Revenue	45,830	48,143	36,424	20,067	12,763
Revenue Growth (YoY)	-4.80%	32.17%	81.51%	57.23%	11.56%
Salaries and Employee Benefits	284.97	521.01	410.47	164.56	70.69
Selling, General & Administrative	-	443.91	228.85	208.17	124.32
Other Non-Interest Expense	31,579	21,749	15,940	11,588	9,428
Total Non-Interest Expense	31,864	22,714	16,519	11,916	9,615
EBT Excluding Unusual Items	13,966	25,429	19,905	8,151	3,148
Other Unusual Items	-	100.9	183.72	121.96	85.98
Pretax Income	13,966	25,530	20,089	8,273	3,234
Income Tax Expense	7,962	13,696	9,478	3,788	1,266
Earnings From Continuing Operations	6,005	11,834	10,610	4,484	1,968
Earnings From Discontinued Operations	-	-	-	-	92.61
Minority Interest in Earnings	-	-	-	-	-29.69
Net Income	6,005	11,834	10,610	4,484	2,031
Net Income to Common	6,005	11,834	10,610	4,484	2,031
Net Income Growth	-49.26%	11.53%	136.61%	120.77%	31.35%
Basic Shares Outstanding	1,110	1,109	1,109	1,109	1,109
Diluted Shares Outstanding	1,110	1,109	1,109	1,109	1,109
Shares Change (YoY)	0.11%	-	-	-	-
EPS (Basic)	5.41	10.67	9.57	4.04	1.83
EPS (Diluted)	5.41	10.67	9.57	4.04	1.83
EPS Growth	-49.31%	11.53%	136.61%	120.77%	31.35%
Dividend Per Share	2.750	2.750	2.750	1.000	-
Dividend Growth	-	-	175.00%	-	-
Effective Tax Rate	57.01%	53.65%	47.18%	45.80%	39.13%

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