BankIslami Pakistan 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	Sep '26 Sep 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	70,777	74,235	112,801	92,756	46,345	23,227
Interest Income on Investments	280.31	254.92	67.29	68.55	25.75	24.64
Total Interest Income	71,058	74,490	112,868	92,825	46,371	23,251
Interest Paid on Deposits	34,059	38,551	66,414	52,573	25,943	12,275
Net Interest Income	36,999	35,939	46,454	40,252	20,428	10,976
Net Interest Income Growth	-5.15%	-22.63%	15.41%	97.04%	86.11%	-12.25%
Gain (Loss) on Sale of Assets	142.11	142.11	50.45	39.97	19.59	-3.52
Gain (Loss) on Sale of Investments	799.95	4,172	700.89	272.02	80.09	101.98
Other Non-Interest Income	5,590	4,856	3,671	2,746	3,351	1,720
Total Non-Interest Income	6,532	9,170	4,422	3,058	3,451	1,819
Non-Interest Income Growth	-19.29%	107.36%	44.60%	-11.38%	89.77%	18.68%
Revenues Before Loan Losses	43,531	45,109	50,876	43,311	23,879	12,795
Provision for Loan Losses	-1,162	-631.66	2,734	6,887	3,812	31.89
Revenue	44,693	45,741	48,143	36,424	20,067	12,763
Revenue Growth	-3.38%	-4.99%	32.17%	81.51%	57.23%	11.56%
Salaries and Employee Benefits	194.27	284.97	521.01	410.47	164.56	70.69
Selling, General & Administrative	724.58	724.58	443.91	228.85	208.17	124.32
Other Non-Interest Expense	34,323	30,855	21,749	15,940	11,588	9,428
Total Non-Interest Expense	35,242	31,864	22,714	16,519	11,916	9,615
EBT Excluding Unusual Items	9,452	13,877	25,429	19,905	8,151	3,148
Other Unusual Items	89.66	89.66	100.9	183.72	121.96	85.98
Pretax Income	9,541	13,966	25,530	20,089	8,273	3,234
Income Tax Expense	5,527	7,962	13,696	9,478	3,788	1,266
Earnings From Continuing Operations	4,014	6,005	11,834	10,610	4,484	1,968
Earnings From Discontinued Operations	-	-	-	-	-	92.61
Minority Interest in Earnings	-	-	-	-	-	-29.69
Net Income	4,014	6,005	11,834	10,610	4,484	2,031
Net Income to Common	4,014	6,005	11,834	10,610	4,484	2,031
Net Income Growth	-40.39%	-49.26%	11.53%	136.61%	120.77%	31.35%
Basic Shares Outstanding	1,110	1,109	1,109	1,109	1,109	1,109
Diluted Shares Outstanding	1,110	1,109	1,109	1,109	1,109	1,109
Shares Change	0.09%	-	-	-	-	-
EPS (Basic)	3.62	5.42	10.67	9.57	4.04	1.83
EPS (Diluted)	3.62	5.42	10.67	9.57	4.04	1.83
EPS Growth	-40.44%	-49.26%	11.53%	136.61%	120.77%	31.35%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	-	2.750	2.750	2.750	1.000	-
Dividend Growth	-	0%	0%	175.00%	-	-
Effective Tax Rate	57.93%	57.01%	53.65%	47.18%	45.80%	39.13%