BIPL BankIslami Pakistan Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 24.41 +0.33%
Quarterly · Q3 FY2021 – Q2 FY2026
BankIslami Pakistan Limited (BIPL) quarterly cash flow statement
Operating activities generated Rs 1.1 bn of cash in Q2 FY2026 (Apr – Jun 2026), down 97.2% on Q2 FY2025. Capital expenditure was Rs 452.1 mn. Dividends paid to shareholders came to Rs 1.4 bn. Overall, cash increased by Rs 34.4 bn.
| Rs bn | TTM to Jun 2026 | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 | Q2 FY2024 Apr – Jun 2024 | Q1 FY2024 Jan – Mar 2024 | Q4 FY2023 Oct – Dec 2023 | Q3 FY2023 Jul – Sep 2023 | Q2 FY2023 Apr – Jun 2023 | Q1 FY2023 Jan – Mar 2023 | Q4 FY2022 Oct – Dec 2022 | Q3 FY2022 Jul – Sep 2022 | Q2 FY2022 Apr – Jun 2022 | Q1 FY2022 Jan – Mar 2022 | Q4 FY2021 Oct – Dec 2021 | Q3 FY2021 Jul – Sep 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | (42.5) | 1.1 | (8.6) | 4.5 | (39.6) | 41.2 | 22.8 | (2.6) | (8.5) | 34.1 | 14.3 | 39.9 | 75.5 | 15.8 | 10.5 | 55.7 | 6.0 | 4.8 | 4.5 | 24.1 | (3.9) |
| Capital expenditure | (6.0) | (0.5) | (0.9) | (2.9) | (1.7) | (7.3) | (0.8) | (1.1) | (0.9) | (1.5) | (1.4) | (1.3) | (0.7) | (0.9) | (0.7) | (0.6) | (0.4) | (0.3) | (0.5) | (0.6) | (0.2) |
| Net cash from investing activities | 77.8 | 35.3 | (21.4) | 27.3 | 36.6 | (49.3) | (7.2) | 1.5 | 2.1 | (15.7) | (20.3) | (38.5) | (73.1) | (4.6) | (22.1) | (41.8) | (12.0) | 0.0 | (3.3) | (19.2) | (0.1) |
| Dividends paid | (3.0) | (1.4) | (0.0) | (0.1) | (1.6) | (1.4) | (0.0) | (0.1) | (1.5) | (1.1) | (0.2) | (1.8) | (0.2) | (0.8) | — | — | 0.0 | — | — | — | — |
| Net cash from financing activities | (6.0) | (2.1) | (0.6) | (1.3) | (2.0) | (1.7) | (0.4) | (1.3) | (2.1) | (1.6) | (0.4) | (0.7) | (0.5) | (1.6) | — | 0.9 | (0.9) | — | — | 0.0 | 0.0 |
| Net change in cash | 29.3 | 34.4 | (30.5) | 30.5 | (5.0) | (9.8) | 15.2 | (2.4) | (8.5) | 16.8 | (6.5) | 0.7 | 2.0 | 9.6 | (11.6) | 14.7 | (6.9) | 4.8 | 1.2 | 4.8 | (4.0) |
| Rs mn | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 | Q2 FY2024 Apr – Jun 2024 | Q1 FY2024 Jan – Mar 2024 | Q4 FY2023 Oct – Dec 2023 | Q3 FY2023 Jul – Sep 2023 | Q2 FY2023 Apr – Jun 2023 | Q1 FY2023 Jan – Mar 2023 | Q4 FY2022 Oct – Dec 2022 | Q3 FY2022 Jul – Sep 2022 | Q2 FY2022 Apr – Jun 2022 | Q1 FY2022 Jan – Mar 2022 | Q4 FY2021 Oct – Dec 2021 | Q3 FY2021 Jul – Sep 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | -97.2% | -137.5% | — | — | +20.8% | +60.0% | -106.5% | -111.3% | +115.5% | +35.3% | -28.4% | +1,165.5% | +230.7% | +131.7% | +131.1% | — | — | -49.9% | +6.7% | -114.6% |
| Capital expenditure | -93.8% | +11.6% | +152.0% | +92.0% | +380.5% | -40.9% | -14.3% | +21.4% | +67.3% | +113.9% | +105.7% | +105.0% | +254.4% | +35.9% | +4.8% | +94.8% | -77.7% | -24.3% | +183.4% | +101.2% |
| Net cash from investing activities | — | — | +1,754.1% | +1,607.3% | — | — | — | — | — | — | — | — | -27,251.5% | — | — | — | -99.0% | — | — | — |
| Dividends paid | +0.0% | -40.7% | -55.7% | +4.3% | +25.4% | -99.8% | -92.0% | +844.2% | +29.8% | — | — | — | — | — | — | — | — | — | — | — |
| Net cash from financing activities | — | — | — | — | — | — | — | — | — | — | -183.6% | — | — | — | — | — | — | — | — | -100.0% |
| Net change in cash | — | -301.2% | — | — | -158.6% | — | -460.7% | -533.3% | +75.2% | — | -95.5% | — | +99.8% | -1,047.7% | +203.4% | — | — | — | — | -122.7% |
Change against the same quarter a year earlier; shown when the earlier figure is positive.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. TTM = the latest four quarters added together. Updated 16 Oct 2026.
All reported line items 54
| Rs bn | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 | Q2 FY2024 Apr – Jun 2024 | Q1 FY2024 Jan – Mar 2024 | Q4 FY2023 Oct – Dec 2023 | Q3 FY2023 Jul – Sep 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profit/(Loss) - Starting Line - Cash Flow | 2.4 | 1.9 | 3.1 | 1.9 | 3.5 | 5.5 | 5.5 | 6.1 | 7.5 | 6.3 | 5.1 | 6.6 |
| Non-cash Items & Reconciliation Adjustments - Cash Flow | (7.7) | (7.1) | (8.0) | (6.3) | (8.5) | (8.3) | (9.9) | (10.1) | (10.9) | (8.8) | 3.3 | 2.7 |
| Equity Income/(Loss) in Net Earnings - Cash Flow - to Reconcile | — | — | — | — | 0.0 | 0.0 | 0.1 | (0.0) | (0.0) | — | (0.1) | 0.0 |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | (9.4) | (8.4) | (9.6) | (7.6) | (9.1) | (8.9) | (12.5) | (11.6) | (11.9) | (9.7) | (0.1) | 0.7 |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 2.2 | 1.8 | 1.6 | 1.2 | 1.1 | 1.0 | 0.9 | 0.9 | 0.8 | 0.8 | 0.5 | 0.5 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 2.0 | 1.7 | 1.4 | 1.0 | 1.0 | 0.9 | 0.8 | 0.8 | 0.7 | 0.8 | 0.5 | 0.5 |
| Amortization - Intangible Assets & Deferred Charges - Cash Flow - to Reconcile | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 |
| Loan Loss Provision including Impairment - Increase/(Decrease) - Cash Flow | (0.5) | (0.6) | 0.1 | 0.2 | (0.5) | (0.4) | 1.6 | 0.7 | 0.1 | 0.3 | 3.0 | 1.6 |
| Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile | (0.0) | (0.0) | (0.1) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | 0.1 | (0.1) |
| Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow | (0.0) | (0.0) | (0.1) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | 0.1 | (0.1) |
| Financial Assets - Unrealized Gain/(Loss) - Cash Flow - to Reconcile | (0.0) | 0.0 | (0.0) | 0.0 | 0.0 | (0.0) | (0.0) | (0.0) | 0.2 | (0.2) | — | — |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 1.0 | 1.8 | 5.8 | 1.6 | 2.6 | 3.2 | 6.0 | 4.2 | 3.4 | 2.3 | 3.6 | 2.4 |
| Interest Paid - Cash | 7.7 | 9.6 | 8.6 | 8.8 | 10.6 | 12.0 | 15.7 | 15.3 | 17.4 | 19.2 | — | — |
| Interest & Dividends - Received - Total - Cash Flow | 25.0 | 12.1 | 26.6 | 10.3 | 25.2 | 17.7 | 39.0 | 18.7 | 40.7 | 20.3 | 0.0 | 0.0 |
| Cash Flow from Operating Activities before Changes in Working Capital | 11.1 | (4.6) | 7.3 | (4.5) | 6.9 | (0.3) | 12.9 | (4.8) | 16.5 | (3.7) | 4.9 | 7.0 |
| Working Capital - Increase/(Decrease) - Cash Flow | (9.9) | (4.0) | (2.7) | (35.2) | 34.2 | 23.1 | (15.5) | (3.8) | 17.6 | 17.9 | 35.0 | 68.6 |
| Other Assets - Decrease/(Increase) - Cash Flow | (34.9) | (3.2) | 10.8 | (21.4) | (13.0) | 2.2 | 35.1 | (28.2) | 5.3 | 3.0 | (4.0) | 39.8 |
| Loans - Customer - Decrease/(Increase) - Cash Flow | (16.8) | (1.4) | (32.2) | (17.0) | 41.4 | 12.5 | (124.6) | 22.0 | 57.7 | (24.2) | (28.1) | 38.2 |
| Other Liabilities - Increase/(Decrease) -Total - Cash Flow | (13.0) | 15.0 | (35.9) | 29.1 | (47.9) | (9.0) | 66.6 | 1.3 | (99.6) | 65.2 | 6.5 | (8.4) |
| Deposits - Increase/(Decrease) - Total - Cash Flow | 54.7 | (14.4) | 54.6 | (25.9) | 53.7 | 17.5 | 7.3 | 1.2 | 54.2 | (26.0) | 60.6 | (1.1) |
| Net Cash Flow from Operating Activities | 1.1 | (8.6) | 4.5 | (39.6) | 41.2 | 22.8 | (2.6) | (8.5) | 34.1 | 14.3 | 39.9 | 75.5 |
| Capital Expenditures - Net - Cash Flow | 0.4 | 0.9 | 2.2 | 1.7 | 7.3 | 0.8 | 1.1 | 0.9 | 1.5 | 1.4 | 1.3 | 0.2 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 0.3 | 0.3 | 1.7 | 1.2 | 7.2 | 0.8 | 0.9 | 0.8 | 1.3 | 1.1 | 1.1 | 0.1 |
| Property, Plant & Equipment - Purchased - Cash Flow | 0.4 | 0.3 | 2.4 | 1.2 | 7.3 | 0.8 | 0.9 | 0.9 | 1.3 | 1.1 | 1.1 | 0.7 |
| Property, Plant & Equipment Sold - Cash Flow | 0.1 | 0.0 | 0.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.6 |
| Intangible Assets - Purchased/(Sold) - Net - Total - Cash Flow | 0.1 | 0.6 | 0.5 | 0.5 | 0.1 | 0.0 | 0.2 | 0.0 | 0.2 | 0.3 | 0.2 | 0.1 |
| Intangible Assets - Net - Cash Flow | 0.1 | 0.6 | 0.5 | 0.5 | 0.1 | 0.0 | 0.2 | 0.0 | 0.2 | 0.3 | 0.2 | 0.1 |
| Capital Expenditures - Total | 0.5 | 0.9 | 2.9 | 1.7 | 7.3 | 0.8 | 1.1 | 0.9 | 1.5 | 1.4 | 1.3 | 0.7 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | 35.7 | (20.5) | 29.5 | 38.3 | (42.0) | (6.4) | 2.6 | 3.0 | (14.2) | (18.9) | (35.4) | (72.9) |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | 35.7 | (20.5) | 29.5 | 38.3 | (42.0) | (6.4) | 2.6 | 3.0 | (14.2) | (18.9) | (35.4) | (72.9) |
| Other Investing Cash Flow - Decrease/(Increase) | — | — | — | — | — | — | — | — | — | — | (1.8) | — |
| Net Cash Flow from Investing Activities | 35.3 | (21.4) | 27.3 | 36.6 | (49.3) | (7.2) | 1.5 | 2.1 | (15.7) | (20.3) | (38.5) | (73.1) |
| Dividends Paid - Cash - Total - Cash Flow | 1.4 | 0.0 | 0.1 | 1.6 | 1.4 | 0.0 | 0.1 | 1.5 | 1.1 | 0.2 | 1.8 | 0.2 |
| Dividends - Common - Cash Paid | 1.4 | 0.0 | 0.1 | 1.6 | 1.4 | 0.0 | 0.1 | 1.5 | 1.1 | 0.2 | 1.8 | 0.2 |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | (0.7) | (0.6) | (1.2) | (0.4) | (0.3) | (0.4) | (1.1) | (0.6) | (0.5) | (0.3) | 1.1 | (0.4) |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (0.7) | (0.6) | (1.2) | (0.4) | (0.3) | (0.4) | (1.1) | (0.6) | (0.5) | (0.3) | 1.1 | (0.4) |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (0.7) | (0.6) | (1.2) | (0.4) | (0.3) | (0.4) | (1.1) | (0.6) | (0.5) | (0.4) | 1.1 | (0.4) |
| Debt - Issued - Long-Term - Cash Flow | — | — | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.2 | 1.1 | — |
| Lease liabilities - Issued - Cash flow | — | — | — | — | — | — | — | — | — | — | 1.1 | — |
| Debt - Reduced - Long-Term - Cash Flow | 0.7 | 0.6 | 1.2 | 0.4 | 0.3 | 0.4 | 1.1 | 0.6 | 0.5 | 0.4 | — | 0.4 |
| Lease liabilities - Reduced - Cash flow represents cash outflow due to the repayment of lease liability/debt of the company. It includes finance leases, capitalized lease, and hire-purchase agreement. Applicable to all industries. If Lease liability issue | 0.7 | 0.6 | 1.2 | 0.4 | 0.3 | 0.4 | 1.1 | 0.6 | 0.5 | 0.4 | — | 0.4 |
| Net Cash Flow from Financing Activities | (2.1) | (0.6) | (1.3) | (2.0) | (1.7) | (0.4) | (1.3) | (2.1) | (1.6) | (0.4) | (0.7) | (0.5) |
| Net Change in Cash - Total | 34.4 | (30.5) | 30.5 | (5.0) | (9.8) | 15.2 | (2.4) | (8.5) | 16.8 | (6.5) | 0.7 | 2.0 |
| Net Cash from Continuing Operations | 34.4 | (30.5) | 30.5 | (5.0) | (9.8) | 15.2 | (2.4) | (8.5) | 16.8 | (6.5) | 0.7 | 2.0 |
| Net Cash - Beginning Balance | 42.3 | 72.9 | 42.4 | 47.4 | 57.3 | 36.2 | 44.5 | 52.9 | 36.2 | 42.7 | 42.0 | 40.0 |
| Net Cash - Ending Balance | 76.7 | 42.3 | 72.9 | 42.4 | 47.4 | 51.3 | 42.1 | 44.5 | 52.9 | 36.2 | 42.7 | 42.0 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 1.0 | 1.8 | 5.8 | 1.6 | 2.6 | 3.2 | 6.0 | 4.2 | 3.4 | 2.3 | 3.6 | 2.4 |
| Interest Paid - Cash Flow - Supplemental | 7.7 | 9.6 | 8.6 | 8.8 | 10.6 | 12.0 | 15.7 | 15.3 | 17.4 | 19.2 | — | — |
| Interest & Dividends - Received - Cash Flow - Supplemental | 25.0 | 12.1 | 26.6 | 10.3 | 25.2 | 17.7 | 39.0 | 18.7 | 40.7 | 20.3 | 0.0 | 0.0 |
| CF from Optg Activities before Change in WC & Int Payments | 18.8 | 5.1 | 15.8 | 4.3 | 17.6 | 11.7 | 28.6 | 10.5 | 33.9 | 15.5 | 4.9 | 7.0 |
| Depreciation, Depletion & Amortization - Cash Flow | 2.2 | 1.8 | 1.6 | 1.2 | 1.1 | 1.0 | 0.9 | 0.9 | 0.8 | 0.8 | 0.5 | 0.5 |
| Free Cash Flow to Equity | 0.1 | (10.1) | 1.1 | (41.7) | 33.5 | 21.6 | (4.8) | (10.0) | 32.1 | 12.6 | 39.7 | 75.0 |
| Free Cash Flow Net of Dividends | (0.7) | (9.5) | 1.6 | (42.9) | 32.5 | 22.0 | (3.9) | (11.0) | 31.4 | 12.7 | 36.7 | 74.6 |
| Free Cash Flow | 0.7 | (9.5) | 1.7 | (41.3) | 33.8 | 22.0 | (3.7) | (9.4) | 32.5 | 12.9 | 38.5 | 74.8 |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 12 periods; the table above goes back further.