PSX:ICIBL Income Statement

Financials in millions PKR. Fiscal year is July - June.

Millions PKR. Fiscal year is Jul - Jun.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022
Interest and Dividend Income	127.09	137.46	125.63	123.56	117.73
Total Interest Expense	0.78	-	-	12.03	4.93
Net Interest Income	126.31	137.46	125.63	111.53	112.8
Gain on Sale of Investments (Rev)	-7.79	34.79	18.62	-3.42	-5.06
Other Revenue	4.27	1.59	6.16	3.01	-2.45
Revenue Before Loan Losses	122.78	173.85	150.42	111.12	105.29
Provision for Loan Losses	22.9	-5.69	-29.51	-19.65	-32.73
Revenue	99.88	179.54	179.93	130.77	138.02
Revenue Growth	-44.37%	-0.21%	37.59%	-5.25%	44.45%
Cost of Services Provided	33.35	36.49	37.29	34.95	27.28
Other Operating Expenses	0.01	0.01	0	0.01	0.01
Total Operating Expenses	34.27	36.5	37.3	39.18	27.33
Operating Income	65.61	143.04	142.63	91.59	110.69
Other Non-Operating Income (Expenses)	10.56	5.72	5.16	6.55	5.12
EBT Excluding Unusual Items	76.17	148.76	147.79	98.14	115.81
Gain (Loss) on Sale of Investments	-	-	0.69	-	-
Other Unusual Items	-	-	-	-	5.73
Pretax Income	101.86	150.73	148.48	99.23	121.54
Income Tax Expense	14.34	23.99	23.86	9.47	26.27
Net Income	87.52	126.74	124.62	89.76	95.27
Net Income to Common	87.52	126.74	124.62	89.76	95.27
Net Income Growth	-30.94%	1.70%	38.84%	-5.79%	13.61%
Shares Outstanding (Basic)	43	43	43	43	43
Shares Outstanding (Diluted)	43	43	43	43	43
Shares Change	-	-	-	-	-
EPS (Basic)	2.03	2.94	2.89	2.08	2.21
EPS (Diluted)	2.03	2.94	2.89	2.08	2.21
EPS Growth	-30.94%	1.70%	38.84%	-5.79%	13.61%

Additional Metrics

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022
Free Cash Flow	82.16	81.14	104.97	60.05	98.23
Free Cash Flow Per Share	1.91	1.89	2.44	1.40	2.28
Operating Margin	65.69%	79.67%	79.27%	70.04%	80.20%
Profit Margin	87.63%	70.59%	69.26%	68.64%	69.03%
Free Cash Flow Margin	82.26%	45.19%	58.34%	45.92%	71.17%
Effective Tax Rate	14.08%	15.91%	16.07%	9.55%	21.61%
Revenue as Reported	123.56	173.85	150.42	123.15	110.22