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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) income statement

BankIslami Pakistan Limited reported total income of Rs 44.8 bn for FY2025 (Jan – Dec 2025), down 11.7% on FY2024. Net interest income was Rs 35.9 bn, down 22.6% on FY2024, with non-interest income of Rs 8.9 bn. Tax of Rs 8.0 bn took 57.0% of pre-tax profit. Profit attributable to shareholders was Rs 6.0 bn, down 49.3% on FY2024, or Rs 5.42 per share.

BIPL income statement (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
Interest & dividend income 74.5 112.9 92.8 46.4 23.3
Interest expense (38.6) (66.4) (52.6) (25.9) (12.3)
Net interest income 35.9 46.5 40.3 20.4 11.0
Fee & commission income (net) 3.4 2.3 1.8 1.4 1.2
Foreign exchange income 1.4 1.3 0.9 1.3 0.5
Gain / (loss) on securities 4.2 0.6 0.3 0.1 0.1
Total non-interest income 8.9 4.3 3.0 2.9 1.8
Total income 44.8 50.7 43.2 23.3 12.8
Operating expenses (31.2) (24.1) (21.5) (15.4) (9.6)
Provisions & impairment (loans) (0.6) 1.5 5.0 3.8 0.0
Profit before tax 14.0 25.5 20.0 8.2 3.2
Taxation (8.0) (13.7) (9.5) (3.8) (1.3)
Profit after tax 6.0 11.8 10.5 4.4 2.0
Profit attributable to shareholders 6.0 11.8 10.6 4.5 2.0
Per share
EPS – basic (Rs) Rs 5.42 10.67 9.57 4.04 1.83
EPS – diluted (Rs) Rs 5.42 10.67 9.57 4.04 1.83
Dividend per share (Rs) Rs 2.75 2.75 2.75 1.00 0.00
Weighted average shares mn 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7
BIPL income statement — 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
Interest & dividend income -34.0% +21.6% +100.2% +99.4% -9.7%
Interest expense -42.0% +26.3% +102.6% +111.3% -7.2%
Net interest income -22.6% +15.4% +97.0% +86.1% -12.3%
Fee & commission income (net) +50.1% +28.3% +24.0% +20.0% +35.8%
Foreign exchange income +5.8% +41.9% -32.3% +180.1% +32.1%
Gain / (loss) on securities +544.2% +137.7% +239.6% -21.5% -57.9%
Total non-interest income +107.8% +44.0% +3.5% +60.9% +19.6%
Total income -11.7% +17.4% +85.5% +82.6% -8.9%
Operating expenses +29.2% +12.2% +39.5% +60.1% -15.1%
Provisions & impairment (loans) -141.4% -70.4% +30.8% +7,654.7% -98.1%
Profit before tax -45.3% +27.5% +143.4% +155.0% +16.8%
Taxation -41.9% +44.5% +150.2% +199.4% +19.8%
Profit after tax -49.3% +12.2% +137.6% +126.4% +15.0%
Profit attributable to shareholders -49.3% +11.5% +136.6% +120.8% +31.4%
Per share
EPS – basic (Rs) -49.3% +11.5% +136.6% +120.8% +31.4%
EPS – diluted (Rs) -49.3% +11.5% +136.6% +120.8% +31.4%
Dividend per share (Rs) 0.0% 0.0% +175.0% — —
Weighted average shares — — — — —

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

BIPL income statement — 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
Interest & dividend income 166.2% 222.5% 214.8% 199.1% 182.3%
Interest expense (86.0%) (130.9%) (121.6%) (111.4%) (96.2%)
Net interest income 80.2% 91.6% 93.1% 87.7% 86.0%
Fee & commission income (net) 7.7% 4.5% 4.1% 6.2% 9.4%
Foreign exchange income 3.1% 2.6% 2.1% 5.8% 3.8%
Gain / (loss) on securities 9.3% 1.3% 0.6% 0.3% 0.8%
Total non-interest income 19.8% 8.4% 6.9% 12.3% 14.0%
Total income 100.0% 100.0% 100.0% 100.0% 100.0%
Operating expenses (69.6%) (47.6%) (49.8%) (66.2%) (75.5%)
Provisions & impairment (loans) (1.4%) 2.9% 11.5% 16.4% 0.4%
Profit before tax 31.2% 50.3% 46.3% 35.3% 25.3%
Taxation (17.8%) (27.0%) (21.9%) (16.3%) (9.9%)
Profit after tax 13.4% 23.3% 24.4% 19.1% 15.4%
Profit attributable to shareholders 13.4% 23.3% 24.5% 19.2% 15.9%

Each line as a percentage of total income.

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 157
BIPL income statement — 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
Interest & Dividend Income/(Expense) - Net - Finance 35.9 46.5 40.3 20.4 11.0
Interest & Dividend Income - Finance - Total 74.5 112.9 92.8 46.4 23.3
Interest Income - Loans/Deposits 31.1 40.7 42.2 24.6 12.0
Interest & Fees on Loans & Receivables 31.1 40.7 42.2 24.6 12.0
Interest & Dividend Income - Other - Finance 0.9 0.6 0.3 0.2 0.2
Interest & Dividend Income - Investment Securities - Finance 42.5 71.6 50.4 21.6 11.1
Net Commission & Fees Income/Expense - Business Revenue 3.4 2.3 1.8 1.4 1.2
Fees & Commissions Income 3.4 2.3 1.8 1.5 1.2
Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance 42.5 71.6 50.4 21.6 11.1
Fees & Commissions Expense — 0.0 0.0 0.0 0.0
Investments & Loans - Business - Gain/(Loss) 4.1 0.7 0.3 0.1 0.1
Interest Expense - Finance - Total 38.6 66.4 52.6 25.9 12.3
Interest Expense - Operational Financing - Business 37.2 64.9 51.0 25.2 11.7
Interest Expense - Deposits 31.2 54.1 42.0 21.9 10.8
Investment Securities - Business - Gain/(Loss) 4.2 0.6 0.3 0.1 0.1
Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) 4.2 0.6 0.3 0.1 0.1
Interest Expenses - Other - Total 6.0 10.9 8.9 3.3 0.8
Interest Expense - External Financing Business 1.3 1.5 1.6 0.8 0.6
Non-Interest Business Revenue/(Expense) - Net - Total 8.9 4.3 3.0 2.9 1.8
Derivatives - Hedging - Business - Gain/(Loss) (0.1) 0.0 — — —
Net Foreign Exchange Income/(Expense) - Business Revenue 1.4 1.3 0.9 1.3 0.5
Trading Investments/Trading Account Income - Gain/(Loss) — — — — —
Trading Investments - Unrealized Gain/(Loss) — — — — —
Investment Gain/(Loss) - Other — — — — —
Revenue from Business Activities - Total 44.8 50.7 43.2 23.3 12.8
Selling, General & Administrative Expenses - Total 31.7 22.7 16.5 11.9 9.6
Selling, General & Administrative Expenses - Unclassified 11.5 8.4 6.2 4.1 3.4
Depreciation in Selling, General & Administrative Expenses 4.1 3.0 1.9 1.8 1.6
Amortization of Intangibles in Selling, General & Administrative Expenses 0.4 0.3 0.1 0.1 0.1
Other Operating Expense/(Income) - Net 0.1 0.0 (0.0) (0.3) (0.0)
Other Operating Income - Total — — — — —
Operating Expenses - Total 31.2 24.1 21.5 15.4 9.6
Provision & Impairment for Loan Losses (0.6) 1.5 5.0 3.8 0.0
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses 14.9 10.5 7.9 5.5 4.5
Selling, General & Administrative Expenses - Other - Total 0.8 0.5 0.4 0.3 0.1
Advertising Expense 0.7 0.4 0.2 0.2 0.1
Rental Expense 0.0 0.0 0.1 0.1 0.0
Operating Profit before Non-Recurring Income/(Expense) 13.6 26.6 21.7 7.9 3.1
Other Operating Expense — — — — —
Sale of Tangible & Intangible Fixed Assets - Gain/Loss 0.1 0.1 0.0 0.2 (0.0)
Other Non-Operating Income/(Expense) - Total — — — — —
Normalized Pre-tax Profit 13.7 26.6 21.7 8.1 3.1
Non-Recurring Income/Expense - Total 0.2 (1.1) (1.7) 0.1 0.1
Impairment - Tangible & Intangible Fixed Assets 0.0 0.0 0.2 — —
Impairment - Fixed Assets 0.0 0.0 0.2 — —
Impairment - Financial Investments (0.0) 1.2 1.7 0.0 (0.0)
Early Extinguishment of Lease Related Debts - Gain/(Loss) 0.0 — — — —
Fair Value Adjustments - Financial Investments 0.0 0.1 — — —
Non-Recurring Income/(Expense) - Other - Total — 0.0 0.0 0.0 —
Income before Taxes 14.0 25.5 20.0 8.2 3.2
Equity in Earnings/(Loss) of Affiliates (after Taxes) — 0.0 0.1 0.0 0.0
Income Taxes 8.0 13.7 9.5 3.8 1.3
Income Taxes for the Year - Current 6.0 13.7 8.4 3.1 0.4
Income Taxes - Deferred (2.5) (1.3) 0.6 0.7 1.0
Income Taxes - Other (by Type) 4.5 1.3 0.5 0.0 (0.2)
Debt Restructuring - Gain/(Loss) 0.2 0.1 0.2 0.1 0.1
Net Income after Tax 6.0 11.8 10.5 4.4 2.0
After-Tax Adjustments - Other - Income/(Expense) - Total — — — — —
Income before Discontinued Operations & Extraordinary Items 6.0 11.8 10.6 4.5 2.0
Net Income before Minority Interest 6.0 11.8 10.6 4.5 2.1
Minority Interest 0.0 0.0 0.0 0.0 0.0
Net Income after Minority Interest 6.0 11.8 10.6 4.5 2.0
Income Available to Common Shares 6.0 11.8 10.6 4.5 2.0
Extraordinary Activities - after Tax - Gain/(Loss) — — — 0.0 0.1
Discontinued Operations - Net of Taxes - Total - Income/(Expense) — — — 0.0 0.1
Other Comprehensive Income - Starting Line 6.0 11.8 10.6 4.5 2.1
Discontinued Operations - Net - Income/(Expense) — — — 0.0 0.1
Other Comprehensive Income - Unrealized Investment Gain/(Loss) (4.0) 2.8 2.1 (0.3) (0.0)
Other Comprehensive Income - Revaluation of Tangible & Intangible Assets 1.4 0.3 (0.0) (0.3) 0.5
Other Comprehensive Income - Pension Related (0.0) (0.0) (0.0) 0.0 (0.0)
Other Comprehensive Income - Net of Tax - Total (2.6) 3.1 2.0 (0.5) 0.5
Comprehensive Income before Minority Interest - Total 3.4 14.9 12.6 4.0 2.5
Comprehensive Income - Attributable to Minority Interest - Total 0.0 0.0 0.0 0.0 0.0
Comprehensive Income - Attributable to Parent Company Equity Holders - Total 6.0 11.8 12.6 4.0 2.5
DPS - Common - Gross - Issue - By Period End Date Rs 2.75 2.75 2.75 1.00 0.00
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 6.0 11.8 10.6 4.5 2.0
Income available to Common excluding Extraordinary Items 6.0 11.8 10.6 4.5 1.9
Shares used to calculate Basic EPS - Total mn 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 5.42 10.67 9.57 4.04 1.83
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 5.42 10.67 9.57 4.04 1.75
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 5.22 11.67 11.12 3.94 1.66
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 6.0 11.8 10.6 4.5 2.0
Earnings Allocation Factor - Basic - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Shares used to calculate Basic EPS - Issue Specific mn 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 5.42 10.67 9.57 4.04 1.83
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 5.42 10.67 9.57 4.04 1.75
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 5.22 11.67 11.12 3.94 1.66
EPS - Basic from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.08
Comprehensive Earnings Per Share - Basic - Issue Specific Rs 5.42 10.67 11.39 3.59 2.26
Dilution Adjustment — — — — —
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 6.0 11.8 10.6 4.5 2.0
Diluted Income available to Common excluding Extraordinary Items 6.0 11.8 10.6 4.5 1.9
Shares used to calculate Diluted EPS - Total mn 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 5.42 10.67 9.57 4.04 1.83
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 5.42 10.67 9.57 4.04 1.75
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 5.22 11.67 11.12 3.94 1.66
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 6.0 11.8 10.6 4.5 2.0
Earnings Allocation Factor - Diluted - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Shares used to calculate Diluted EPS - Issue Specific mn 1,108.7 1,108.7 1,108.7 1,108.7 1,108.7
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 5.42 10.67 9.57 4.04 1.83
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 5.42 10.67 9.57 4.04 1.75
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 5.22 11.67 11.12 3.94 1.66
EPS - Diluted from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.08
Comprehensive Earnings Per Share - Diluted - Issue Specific Rs 5.42 10.67 11.39 3.59 2.26
DPS - Common - Gross - Issue - By Announcement Date Rs 2.75 2.50 2.75 0.00 0.00
DPS - Common - Net - Issue - By Announcement Date Rs 2.48 2.25 2.48 0.00 0.00
Earnings before Interest & Taxes (EBIT) 13.6 26.6 21.7 7.9 3.1
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 18.4 30.0 23.8 9.9 5.9
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments 18.5 30.1 23.9 10.0 5.9
Depreciation & Amortization - Supplemental 4.5 3.3 2.1 1.9 1.6
Depreciation Expense - Total - Supplemental 4.1 3.0 1.9 1.8 1.6
Depreciation - Financial Lease Right-of-Use Assets - Supplemental 1.8 1.3 0.9 0.9 0.8
Amortization - Total - Supplemental 0.4 0.3 0.1 0.1 0.1
Intangible Amortization - Other - Supplemental 0.4 0.3 0.1 0.1 0.1
Amortization of Computer Software - Supplemental 0.4 0.3 0.1 0.1 0.1
Depreciation, Depletion & Amortization - Total 4.8 3.4 2.1 2.0 2.7
Depreciation - Total 4.4 3.2 1.9 1.9 2.7
Amortization of Intangible Assets including Goodwill - Total — — — — —
Amortization of Intangible Assets excluding Goodwill - Total 0.4 0.3 0.1 0.1 0.1
Income from Islamic Financing & Investing — — — — —
Labor & Related Expenses - Total 14.9 10.5 7.9 5.5 4.5
Labor & Related Expenses - Supplemental 14.9 10.5 7.9 5.5 4.5
Auditor Fees 0.0 0.0 0.0 0.0 0.0
Audit-Related Fees 0.0 0.0 0.0 0.0 0.0
Tax Fees — — — — 0.0
Fees - Other 0.0 0.0 0.0 0.0 0.0
Normalized after Tax Profit 5.8 12.9 12.3 4.3 1.9
Normalized Net Income from Continuing Operations 5.8 12.9 12.3 4.4 1.9
Normalized Net Income - Bottom Line 5.8 12.9 12.3 4.4 1.8
Earnings before Interest & Taxes (EBIT) - Normalized 13.7 26.6 21.7 8.1 3.1
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 18.6 30.1 23.8 10.1 5.9
Loan Losses - Net — — — — —
Loan Recoveries - Actual — — — — —
Loan Losses - Actual — — — — 0.0
Interest Expense on Financial Lease Liabilities - Supplemental 0.9 0.8 0.9 0.4 0.4
Rental/Operating Lease Expense 0.0 0.0 0.1 0.1 0.0
Advertising Expenses - Supplemental 0.7 0.4 0.2 0.2 0.1
Interest Expense 38.6 66.4 52.6 25.9 12.3
Interest & Dividend Income after Loan Loss Provision - Net - Finance 36.5 45.0 35.3 16.6 10.9
Commissions & Fees from Securities Activities 0.8 0.6 0.6 0.4 0.4
Revenue after Loan Provisions - Net - Finance 75.1 111.4 87.8 42.6 23.2
Operating Expenses 31.2 24.1 21.5 15.4 9.6
Foreign Exchange Gain/(Loss) 1.4 1.3 0.9 1.3 0.5
Selling, General & Administrative Expenses excluding Research & Development Expenses 31.7 22.7 16.5 11.9 9.6
Investment Gain/(Loss) 4.4 0.7 0.3 0.1 0.1
Non-Interest Expense - Bank 31.5 23.7 18.2 11.3 9.5
Income before Taxes & Provision for Loan Losses 13.4 27.0 25.0 12.0 3.3
DPS - Common - Gross - Issue - By Payable Date Rs 2.75 2.50 2.75 0.00 0.00
DPS - Common - Gross - Issue - By Ex Date Rs 2.75 2.50 2.75 0.00 0.00
Tax Adjusted Operating Income 6.0 11.8 10.6 4.5 2.0
Operating Expenses excluding Non-Cash Charges - Total 26.4 20.7 19.4 13.4 6.9
Revenue Net of Interest Expense Before Loan Loss Provision 44.8 50.7 43.2 23.3 12.8
Income from Earning Assets 80.0 114.8 94.0 47.8 23.8
Income Available to Common Shares before Depreciation & Amortization 10.8 15.3 12.7 6.5 4.8
Commissions and Fees 3.4 2.3 1.8 1.4 1.2
Estimated Tax Rate 0.29× 0.29× 0.29× 0.29× 0.29×
Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs 2.75 2.50 2.75 0.00 0.00

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