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Commercial Banks

BIPL BankIslami Pakistan Limited

Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026

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Last close · 16 Oct 2026

Rs 24.41 +0.33%

Annual · FY2006 – FY2025

BankIslami Pakistan Limited (BIPL) balance sheet

At the end of FY2025 (Jan – Dec 2025) BankIslami Pakistan Limited had total assets of Rs 770.1 bn, up 4.4% on FY2024. Deposits were Rs 659.4 bn, up 17.8% on FY2024 and net advances Rs 310.1 bn. Investments stood at Rs 321.7 bn. Shareholders' equity was Rs 48.5 bn (Rs 43.76 per share), 6.3% of total assets.

BIPL balance sheet (annual) (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Assets
Cash & balances with banks 73.6 42.8 43.2 42.7 28.9
Investments 321.7 349.3 330.6 204.1 160.2
Advances (net) 310.1 295.3 229.6 200.5 180.4
Fixed assets 31.1 19.4 16.1 14.2 13.6
Intangible assets 4.7 4.1 3.7 3.3 3.2
Other assets 29.0 27.0 31.5 22.8 22.4
Total assets 770.1 737.9 654.8 487.6 408.7
Liabilities
Deposits 659.4 559.6 523.0 416.4 345.6
Borrowings 34.1 109.3 72.9 31.0 29.9
Total liabilities 721.6 689.7 618.4 460.8 385.9
Equity
Share capital 11.0 11.0 11.0 11.0 11.0
Equity attributable to shareholders 48.5 48.2 36.4 26.8 22.8
Total equity 48.5 48.2 36.4 26.8 22.8
Total liabilities & equity 770.1 737.9 654.8 487.6 408.7
Key figures
Gross advances 335.0 320.9 253.5 219.7 195.7
Provision against advances 25.0 25.6 23.9 19.1 15.3
Advances to deposits (ADR) 0.47× 0.53× 0.44× 0.48× 0.52×
Shares outstanding mn 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7
Common equity 48.5 48.2 36.4 26.8 22.8
Book value per share (Rs) Rs 43.76 43.49 32.81 24.16 20.57
BIPL balance sheet — year-on-year change (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Assets
Cash & balances with banks +72.0% -1.1% +1.2% +47.7% -17.3%
Investments -7.9% +5.7% +62.0% +27.4% +16.6%
Advances (net) +5.0% +28.6% +14.5% +11.2% +39.7%
Fixed assets +60.0% +20.3% +13.7% +4.2% +16.2%
Intangible assets +15.8% +11.7% +10.8% +2.6% +2.1%
Other assets +7.4% -14.5% +38.4% +1.9% +14.9%
Total assets +4.4% +12.7% +34.3% +19.3% +20.9%
Liabilities
Deposits +17.8% +7.0% +25.6% +20.5% +22.4%
Borrowings -68.8% +49.9% +135.2% +3.7% +12.7%
Total liabilities +4.6% +11.5% +34.2% +19.4% +21.6%
Equity
Share capital 0.0% 0.0% 0.0% 0.0% 0.0%
Equity attributable to shareholders +0.6% +32.6% +35.8% +17.5% +12.4%
Total equity +0.6% +32.6% +35.8% +17.5% +11.2%
Total liabilities & equity +4.4% +12.7% +34.3% +19.3% +20.9%
Key figures
Gross advances +4.4% +26.6% +15.4% +12.2% +35.5%
Provision against advances -2.4% +7.2% +24.7% +24.9% -0.0%
Advances to deposits (ADR) — — — — —
Shares outstanding — — — — —
Common equity +0.6% +32.6% +35.8% +17.5% +12.4%
Book value per share (Rs) +0.6% +32.6% +35.8% +17.5% +12.4%

Change against the previous fiscal year; shown when the earlier figure is positive.

BIPL balance sheet — common size (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Assets
Cash & balances with banks 9.6% 5.8% 6.6% 8.8% 7.1%
Investments 41.8% 47.3% 50.5% 41.9% 39.2%
Advances (net) 40.3% 40.0% 35.1% 41.1% 44.1%
Fixed assets 4.0% 2.6% 2.5% 2.9% 3.3%
Intangible assets 0.6% 0.6% 0.6% 0.7% 0.8%
Other assets 3.8% 3.7% 4.8% 4.7% 5.5%
Total assets 100.0% 100.0% 100.0% 100.0% 100.0%
Liabilities
Deposits 85.6% 75.8% 79.9% 85.4% 84.6%
Borrowings 4.4% 14.8% 11.1% 6.4% 7.3%
Total liabilities 93.7% 93.5% 94.4% 94.5% 94.4%
Equity
Share capital 1.4% 1.5% 1.7% 2.3% 2.7%
Equity attributable to shareholders 6.3% 6.5% 5.6% 5.5% 5.6%
Total equity 6.3% 6.5% 5.6% 5.5% 5.6%
Total liabilities & equity 100.0% 100.0% 100.0% 100.0% 100.0%
Key figures
Gross advances 43.5% 43.5% 38.7% 45.0% 47.9%
Provision against advances 3.2% 3.5% 3.6% 3.9% 3.7%
Common equity 6.3% 6.5% 5.6% 5.5% 5.6%

Each line as a percentage of total assets.

Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.

All reported line items 169
BIPL balance sheet — all reported line items (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Cash & Short-Term Deposits Due from Banks - Total 73.6 42.8 43.2 42.7 28.9
Cash & Short-Term Deposits Due from Banks 15.5 14.9 14.5 16.1 13.5
Funds with Central Banks 58.0 27.9 28.7 26.6 15.5
Loans & Receivables - Total 310.1 295.3 229.6 200.5 180.4
Receivables - Other — — — — —
Investment Securities - Available for Sale, Held to Maturity & Held for Trading - Total — — — 0.6 0.6
Banking Related Loans – Net 310.1 295.3 229.6 200.5 180.4
Loans - Gross 335.0 320.9 253.5 219.7 195.7
Loans - Finance Lease & HP 0.5 0.6 0.7 0.6 0.6
Loans - to Customers - Other - Gross 334.5 320.3 252.8 219.1 195.1
Investments - Other - Total 321.7 349.3 330.6 203.5 159.6
Investments - Total 321.7 349.3 330.6 204.1 160.2
Reserves for Loan Losses 25.0 25.6 23.9 19.1 15.3
Investment Securities - Held for Trading — — — — 0.0
Investment Securities Available for Sale & Held to Maturity — — — 0.6 0.6
Property, Plant & Equipment - Net - Total 31.1 19.4 16.1 14.2 13.6
Property, Plant & Equipment - Gross - Total 40.1 27.5 27.0 23.8 21.5
Property, Plant & Equipment - Accumulated Depreciation & Impairment - Total 9.1 8.1 10.8 9.6 7.9
Investment Securities - Available for Sale - Total — — — 0.6 0.6
Mortgage Backed Securities - Available for Sale/Held to Maturity — — — 0.0 0.0
Other Assets - Total 29.0 27.0 31.5 22.8 22.4
Investments in Associates, Joint Ventures and Unconsolidated Subsidiaries — — — — 0.0
Deferred Tax - Asset - Long-Term & Short-Term 4.3 0.0 0.1 3.2 4.2
Other Assets 24.7 27.0 31.4 19.6 18.2
Intangible Assets - Total - Net 4.7 4.1 3.7 3.3 3.2
Intangible Assets - excluding Goodwill - Net - Total 1.8 1.1 0.7 0.3 0.2
Intangible Assets - Gross - Total 6.3 5.2 4.5 4.0 3.8
Intangible Assets - excluding Goodwill - Gross 3.3 2.2 1.5 1.0 0.8
Goodwill/Cost in Excess of Assets Purchased - Net 3.0 3.0 3.0 3.0 3.0
Intangible Assets - Accumulated Amortization & Impairment - Total 1.5 1.1 0.8 0.7 0.6
Core Deposits - Net 0.0 0.0 0.0 0.0 0.0
Intangible Assets - excluding Goodwill - Accumulated Amortization & Impairment - Total 1.5 1.1 0.8 0.7 0.6
Computer Software - Intangible Assets - Net 1.7 1.0 0.6 0.3 0.2
Intangible Assets - Other - Net 0.0 0.0 0.0 0.0 0.0
Goodwill/Cost in Excess of Assets Purchased - Gross 3.0 3.0 3.0 3.0 3.0
Core Deposit - Gross 0.0 0.0 0.0 0.0 0.0
Computer Software - Intangible Assets - Gross 3.2 2.1 1.4 0.9 0.8
Intangible Assets - Other - Gross - Total 0.1 0.1 0.0 0.0 0.0
Goodwill - Accumulated Amortization & Impairment 0.0 0.0 0.0 0.0 0.0
Core Deposits - Accumulated Amortization & Impairment 0.0 0.0 0.0 0.0 0.0
Computer Software - Intangible Assets - Accumulated Amortization & Impairment 1.5 1.1 0.8 0.7 0.6
Intangible Assets - Other - Accumulated Amortization & Impairment 0.0 0.0 0.0 0.0 0.0
Total Assets 770.1 737.9 654.8 487.6 408.7
Deposits - Total 659.4 559.6 523.0 416.4 345.6
Debt - Total 34.1 109.3 72.9 31.0 29.9
Short-Term Debt & Current Portion of Long-Term Debt 14.6 86.5 46.5 8.7 13.0
Deposits - Customers - Total 626.8 555.1 514.9 401.5 326.3
Deposits - Demand -Customer 466.7 398.3 377.9 295.5 235.4
Deposits - Savings - Customer 150.1 151.0 123.5 94.5 88.0
Deposits - Other - Customer 9.9 5.8 13.5 11.5 2.9
Deposits - Due to Banks & Financial Institutions 32.7 4.5 8.0 14.9 19.3
Deposits - Demand Deposits - Due to Banks & Financial Institutions 0.2 0.6 0.9 0.4 0.8
Deposits - Savings - Due to Banks & Financial Institutions 32.4 3.9 7.1 14.5 18.5
Current Portion of Long-Term Debt including Capitalized Leases 4.2 72.2 41.4 5.1 9.5
Capitalized Leases - Current Portion 0.3 0.3 — — —
Short-Term Debt & Notes Payable 10.4 14.4 5.1 3.5 3.5
Debt - Long-Term - Total 19.5 22.7 26.3 22.3 16.9
Short-Term Banking Borrowings excluding Collateralized Financing 10.4 14.4 5.1 3.5 3.5
Current Portion of Long-Term Debt excluding Capitalized Leases 3.9 71.8 41.4 5.1 9.5
Capitalized Lease Obligations - Long-Term 6.3 4.5 4.3 3.6 3.2
Long-Term Debt excluding Capitalized Leases 10.2 15.2 19.2 15.9 11.7
Debt - Non-Convertible - Long-Term 10.2 15.2 19.2 15.9 11.7
Dividends Payable 0.1 0.0 0.2 — —
Deferred Tax & Investment Tax Credits - Long-Term 0.0 1.5 0.0 0.0 0.0
Deferred Tax - Liability - Long-Term 0.0 1.5 0.0 0.0 0.0
Payables & Accrued Expenses 7.3 5.5 4.5 2.8 1.8
Accrued Expenses 5.8 4.4 2.9 1.8 1.5
Junior Subordinated Debentures & Notes Payable - Trust Account 3.0 3.0 2.9 2.9 2.0
Other Liabilities - Total 20.7 12.2 15.6 8.8 8.5
Licenses, Franchises, Copyrights, Property Rights, Prototypes, Contract Based, Models & Designs - Net — — — — —
Other Payables - Total 1.4 1.1 1.6 1.0 0.4
Other Liabilities - 14.2 10.4 13.6 8.0 8.0
Liabilities Held for Sale/Discontinued Operations - Long-term & Short-Term — — — — 0.0
Provisions 1.3 1.2 0.8 0.5 0.4
Post Employment Benefits - Pension & Other 0.5 0.5 0.4 0.3 0.2
Derivative Liabilities - Hedging 0.0 — — — —
Licenses, Franchises, Copyrights, Property Rights, Prototypes, Contract Based, Models & Designs - Gross — — — — —
Deferred Revenue/Income 5.2 0.6 1.1 0.3 0.2
Provisions - Other than Pension & Post Retirement 0.8 0.7 0.4 0.2 0.2
Licenses, Franchises, Copy/Property Rights, Prototypes, Contract Based, Models & Designs - Accumulated Amortization & Impairment — — — — —
Total Liabilities 721.6 689.7 618.4 460.8 385.9
Shareholders' Equity - Attributable to Parent Shareholders - Total 48.5 48.2 36.4 26.8 22.8
Common Equity Attributable to Parent Shareholders 48.5 48.2 36.4 26.8 22.8
Common Equity - Contributed 11.0 11.0 11.0 11.0 11.0
Common Stock - Issued & Paid 11.0 11.0 11.0 11.0 11.0
Equity - Non-Contributed - Reserves & Retained Earnings 37.5 37.2 25.4 15.8 11.8
Retained Earnings - Total 33.2 29.8 20.7 13.0 8.3
Comprehensive Income - Accumulated - Total 4.3 7.4 4.7 2.8 3.5
Investments - Unrealized Gain/Loss 1.7 5.8 3.2 1.1 1.4
Other Reserves/Equity - Total — — — — —
Common Equity - Total 48.5 48.2 36.4 26.8 22.8
Minority Interest - Equity — — — 0.0 0.0
Total Shareholders' Equity - including Minority Interest & Hybrid Debt 48.5 48.2 36.4 26.8 22.8
Total Liabilities & Equity 770.1 737.9 654.8 487.6 408.7
Revaluation Reserves 2.6 1.5 1.5 1.6 2.1
Common Shares - Issued - Total mn 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7
Common Shares - Outstanding - Total mn 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7
Common Shares - Treasury - Total mn 0.0 0.0 0.0 0.0 0.0
Common Shares - Authorized - Issue Specific mn 1,500.0 1,500.0 1,500.0 1,500.0 1,300.0
Common Shares - Issued - Issue Specific mn 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7
Common Shares - Outstanding - Issue Specific mn 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7
Common Shares - Treasury - Issue Specific mn 0.0 0.0 0.0 0.0 0.0
Asset Allocation Factor - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Right of Use Tangible Assets - Total - Net - Supplemental 5.7 4.3 3.6 2.9 2.6
Right of Use Tangible Assets - Capital/Finance Lease - Net - Supplemental 5.7 4.3 3.6 2.9 2.6
Right of Use Tangible Assets - Total - Gross - Supplemental — — 7.7 6.1 5.0
Right of Use Tangible Assets - Capital/Finance Lease - Gross - Supplemental — — 7.7 6.1 5.0
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Net - Supplemental 25.4 15.1 12.6 11.3 11.0
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Gross - Supplemental — — 19.3 17.7 16.5
Finance and Operating Lease Liabilities - Total - Supplemental 6.6 4.8 4.3 3.6 3.2
Debt including Finance and Operating Lease Liabilities - Supplemental 34.1 109.3 72.9 31.0 29.9
Net Debt (39.5) 66.5 29.7 (11.7) 1.0
Islamic Financing Assets - Total 310.7 295.9 230.1 201.1 181.0
Islamic Investments - Total 321.7 349.3 330.6 203.5 159.6
Islamic Debt - Long-Term & Short-Term 0.0 44.4 4.5 0.0 2.4
Islamic Debt & Deposits - Total 0.0 44.4 4.5 0.0 2.4
Debt - Long-Term - Maturities - Total 14.1 42.6 60.7 21.1 21.2
Debt - Long-Term - Maturities - within 1 Year 3.9 27.4 43.9 5.1 13.7
Debt - Long-Term - Maturities - Year 2 1.7 5.1 0.8 1.8 0.7
Debt - Long-Term - Maturities - Year 3 2.6 1.8 4.8 4.0 2.8
Debt - Long-Term - Maturities - Year 5 1.4 2.0 1.9 0.1 3.7
Debt - Long-Term - Maturities - Remaining 4.5 6.4 9.2 10.0 0.2
Debt - Long-Term - Maturities - 2-3 Years 4.3 6.9 5.6 5.8 3.5
Debt - Long-Term - Maturities - 4-5 Years 1.4 2.0 1.9 0.1 3.7
Debt - Long-Term - Maturities - Year 6 & Beyond 4.5 6.4 9.2 10.0 0.2
Minority Interest - Total — — — 0.0 0.0
Asset Accruals (14.8) (14.2) (13.9) (15.5) (12.8)
Cash & Cash Equivalents - Total 73.6 42.8 43.2 42.7 28.9
Cash & Securities 395.3 392.1 373.8 246.8 189.1
Cash & Short Term Investments - Total 73.6 42.8 43.2 42.7 28.9
Debt - including Preferred Equity & Minority Interest - Total 34.1 109.3 72.9 31.0 29.9
Earning Assets 705.3 687.4 603.4 447.3 369.5
Demand Deposits - Total 467.0 399.0 378.8 295.8 236.2
Invested Assets - Total 321.7 349.3 330.6 204.1 160.2
Right of Use Tangible Assets - Total - Accumulated Depreciation - Supplemental — — 4.1 3.2 2.4
Investment Securities — — — 0.6 0.6
Investments - Permanent — — — — 0.0
Net Book Capital 9.1 114.7 66.0 15.1 23.8
Right of Use Tangible Assets - Capital/Finance Lease - Accumulated Depreciation - Supplemental — — 4.1 3.2 2.4
Net Operating Assets 9.1 114.7 66.0 15.1 23.8
Provisions - Total 1.3 2.7 0.8 0.5 0.4
Shareholders Equity - Common 48.5 48.2 36.4 26.8 22.8
Savings Deposits - Total 182.5 154.9 130.7 109.0 106.5
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Accumulated Depreciation - Supplemental — — 6.7 6.4 5.5
Tangible Total Equity 43.8 44.1 32.7 23.5 19.6
Tangible Book Value 43.8 44.1 32.7 23.5 19.6
Total Book Capital 82.6 157.5 109.3 57.8 52.7
Total Capital 82.6 157.5 109.3 57.8 52.7
Total Long Term Capital 48.5 48.2 36.4 26.8 22.8
Trading Account — — — — 0.0
Unearned Revenue - Total 5.2 0.6 1.1 0.3 0.2
Book Value excluding Other Equity 48.5 48.2 36.4 26.8 22.8
Assets Held for Sale/Discontinued Operations - Long-Term & Short-Term — — — — 0.0
Income Taxes - Payable - Long-Term & Short-Term 0.0 1.5 2.3 1.9 0.0
Cash & Short Term Investments - Net of Debt 39.5 (66.5) (29.7) 11.7 (1.0)
Current Portion of Long-Term Debt including Capitalized Leases & Hybrid Financial Instruments 4.2 72.2 41.4 5.1 9.5
Interest Bearing Liabilities - Total 693.5 668.9 595.8 447.3 375.5
Net Debt Including Preferred Equity & Minority Interest (39.5) 66.5 29.7 (11.7) 1.0
Other Short-Term & Long-Term Assets - Total 29.0 27.0 31.5 22.8 22.4
Other Short-Term & Long-Term Liabilities - Total 14.2 10.4 13.6 8.0 8.0
Tangible Book Value excluding Other Equity 43.8 44.1 32.7 23.5 19.6
Total Debt Excluding Islamic 34.1 64.8 68.4 31.0 27.5
Reserves for Loan Losses - Total 25.0 25.6 23.9 19.1 15.3
Total Available Funds 707.9 607.9 559.3 443.1 368.4
Loans - Gross – Total 335.0 320.9 253.5 219.7 195.7
Deposits - Net 626.8 555.1 514.9 401.5 326.3
Loans - Net - Total 310.1 295.3 229.6 200.5 180.4
Tangible Book Value & Reserves for Loan Losses - Total 68.7 69.7 56.6 42.6 34.9
Cash in Hand & with Banks - Total 14.8 14.2 13.9 15.5 12.8

Every line the company reported, in the original order and wording, without regrouping or signs changed.