Last close · 3 Dec 2020
Rs 0.64 0.00%
Annual · FY2017 – FY2026
First National Bank Modaraba (FNBM) income statement
First National Bank Modaraba reported revenue of Rs 32.8 mn for FY2026 (Jul 2025 – Jun 2026), down 19.8% on FY2025. Finance cost was Rs 25.6 mn, down 25.2% on FY2025. The loss attributable to shareholders was Rs 4.4 mn, or Rs -0.17 per share.
| Rs mn | FY2026 * Jul 2025 – Jun 2026 | FY2025 * Jul 2024 – Jun 2025 | FY2024 Jul 2023 – Jun 2024 | FY2023 * Jul 2022 – Jun 2023 | FY2022 * Jul 2021 – Jun 2022 | |||||
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 32.8 | 40.9 | 53.4 | 29.6 | 14.2 | |||||
| Operating expenses | (17.6) | (17.2) | (23.3) | (20.1) | (26.8) | |||||
| Finance cost | (25.6) | (34.3) | (49.6) | (39.2) | (23.5) | |||||
| Profit before tax | (4.9) | (3.3) | 43.0 | 4.9 | 3.1 | |||||
| Taxation | 0.5 | (0.7) | (8.2) | (0.8) | (0.5) | |||||
| Profit after tax | (4.4) | (4.0) | 34.8 | 4.1 | 2.6 | |||||
| Profit attributable to shareholders | (4.4) | (4.0) | 34.8 | 4.1 | 2.6 | |||||
| Per share | ||||||||||
| EPS – basic (Rs) Rs | (0.17) | (0.16) | 1.39 | 0.16 | 0.10 | |||||
| Dividend per share (Rs) Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
| Rs mn | FY2026 * Jul 2025 – Jun 2026 | FY2025 * Jul 2024 – Jun 2025 | FY2024 Jul 2023 – Jun 2024 | FY2023 * Jul 2022 – Jun 2023 | FY2022 * Jul 2021 – Jun 2022 | |||||
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | -19.8% | -23.5% | +80.2% | +108.3% | +25.2% | |||||
| Operating expenses | +2.8% | -26.5% | +16.3% | -25.1% | -11.2% | |||||
| Finance cost | -25.2% | -30.9% | +26.6% | +66.5% | +28.3% | |||||
| Profit before tax | — | -107.6% | +770.5% | +57.1% | +135.0% | |||||
| Taxation | -173.3% | -91.5% | +881.7% | +57.1% | +135.0% | |||||
| Profit after tax | — | -111.4% | +747.7% | +57.1% | +135.0% | |||||
| Profit attributable to shareholders | — | -111.4% | +747.7% | +57.1% | +135.0% | |||||
| Per share | ||||||||||
| EPS – basic (Rs) | — | -111.4% | +747.7% | +57.1% | +135.0% | |||||
| Dividend per share (Rs) | — | — | — | — | — | |||||
Change against the previous fiscal year; shown when the earlier figure is positive.
| Rs mn | FY2026 * Jul 2025 – Jun 2026 | FY2025 * Jul 2024 – Jun 2025 | FY2024 Jul 2023 – Jun 2024 | FY2023 * Jul 2022 – Jun 2023 | FY2022 * Jul 2021 – Jun 2022 |
|---|---|---|---|---|---|
| Revenue | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Operating expenses | (53.8%) | (42.0%) | (43.7%) | (67.7%) | (188.3%) |
| Finance cost | (78.2%) | (83.8%) | (92.8%) | (132.1%) | (165.3%) |
| Profit before tax | (14.8%) | (8.0%) | 80.5% | 16.7% | 22.1% |
| Taxation | 1.6% | (1.7%) | (15.4%) | (2.8%) | (3.8%) |
| Profit after tax | (13.3%) | (9.7%) | 65.1% | 13.8% | 18.3% |
| Profit attributable to shareholders | (13.3%) | (9.7%) | 65.1% | 13.8% | 18.3% |
Each line as a percentage of revenue.
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 90
| Rs mn | FY2026 Jul 2025 – Jun 2026 | FY2025 Jul 2024 – Jun 2025 | FY2024 Jul 2023 – Jun 2024 | FY2023 Jul 2022 – Jun 2023 | FY2022 Jul 2021 – Jun 2022 |
|---|---|---|---|---|---|
| Interest & Dividend Income - Finance - Total | — | — | — | — | 0.0 |
| Interest Income - Loans/Deposits | — | — | — | — | 0.0 |
| Investments & Loans - Business - Gain/(Loss) | 32.8 | 40.8 | 50.2 | 29.1 | 14.0 |
| Investment Securities - Business - Gain/(Loss) | 32.8 | 40.8 | 50.2 | 29.1 | 14.0 |
| Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) | 32.8 | 40.8 | 50.2 | 29.1 | 14.0 |
| Business-Related Financing Revenue - Other | 0.0 | 0.0 | 3.2 | 0.5 | 0.2 |
| Revenue from Business Activities - Total | 32.8 | 40.9 | 53.4 | 29.6 | 14.2 |
| Selling, General & Administrative Expenses - Total | 0.1 | 0.9 | 10.2 | 6.4 | 14.0 |
| Depreciation in Selling, General & Administrative Expenses | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 |
| Other Operating Expense/(Income) - Net | 17.5 | 16.2 | 13.1 | 13.6 | 12.8 |
| Operating Expenses - Total | 11.5 | 8.9 | (39.2) | (14.5) | (12.4) |
| Provision & Impairment for Loan Losses | (6.2) | (8.3) | (62.5) | (34.5) | (39.2) |
| Operating Expenses - before Interest Expenses & Provision for Loan Losses - Total | 17.6 | 17.2 | 23.3 | 20.1 | 26.8 |
| Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses | 0.0 | 0.0 | 5.8 | 0.7 | 0.4 |
| Selling, General & Administrative Expenses - Other - Total | 0.0 | 0.8 | 4.4 | 5.8 | 13.6 |
| Operating Profit before Non-Recurring Income/(Expense) | 21.3 | 32.0 | 92.6 | 44.1 | 26.7 |
| Financing Income/(Expense) - Net - Total | (25.6) | (34.3) | (49.6) | (39.2) | (23.5) |
| Interest Expense - Net of (Interest Income) | 25.6 | 34.3 | 49.6 | 39.2 | 23.5 |
| Interest Expense - Net of Capitalized Interest | 25.6 | 34.3 | 49.6 | 39.2 | 23.5 |
| Non-Interest Financial Income/(Expense) - Total | (0.0) | (0.0) | (0.0) | (0.0) | — |
| Non-Interest Financial Income/(Expense) - Other - Net | (0.0) | (0.0) | (0.0) | (0.0) | — |
| Sale of Tangible & Intangible Fixed Assets - Gain/Loss | — | — | 0.0 | 0.0 | 0.0 |
| Other Non-Operating Income/(Expense) - Total | (0.5) | (1.0) | — | — | — |
| Normalized Pre-tax Profit | (4.9) | (3.3) | 43.0 | 4.9 | 3.1 |
| Non-Recurring Income/Expense - Total | — | — | — | — | — |
| Impairment - Tangible & Intangible Fixed Assets | — | — | — | — | — |
| Impairment - Fixed Assets | — | — | — | — | — |
| Provision for Income Tax Expense- Unclassified | (0.5) | 0.7 | 8.2 | 0.8 | 0.5 |
| Income before Taxes | (4.9) | (3.3) | 43.0 | 4.9 | 3.1 |
| Income Taxes | (0.5) | 0.7 | 8.2 | 0.8 | 0.5 |
| Net Income after Tax | (4.4) | (4.0) | 34.8 | 4.1 | 2.6 |
| Income before Discontinued Operations & Extraordinary Items | (4.4) | (4.0) | 34.8 | 4.1 | 2.6 |
| Net Income before Minority Interest | (4.4) | (4.0) | 34.8 | 4.1 | 2.6 |
| Net Income after Minority Interest | (4.4) | (4.0) | 34.8 | 4.1 | 2.6 |
| Income Available to Common Shares | (4.4) | (4.0) | 34.8 | 4.1 | 2.6 |
| DPS - Common - Gross - Issue - By Period End Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income - Basic - including Extraordinary Items Applicable to Common - Total | (4.4) | (4.0) | 34.8 | 4.1 | 2.6 |
| Income available to Common excluding Extraordinary Items | (4.4) | (4.0) | 34.8 | 4.1 | 2.6 |
| Shares used to calculate Basic EPS - Total mn | 25.0 | 25.0 | 25.0 | 25.0 | 25.0 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs | (0.17) | (0.16) | 1.39 | 0.16 | 0.10 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs | (0.17) | (0.16) | 1.39 | 0.16 | 0.10 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs | (0.17) | (0.16) | 1.39 | 0.16 | 0.10 |
| Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific | (4.4) | (4.0) | 34.8 | 4.1 | 2.6 |
| 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 | 25.0 | 25.0 | 25.0 | 25.0 | 25.0 |
| EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs | (0.17) | (0.16) | 1.39 | 0.16 | 0.10 |
| EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | (0.17) | (0.16) | 1.39 | 0.16 | 0.10 |
| EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs | (0.17) | (0.16) | 1.39 | 0.16 | 0.10 |
| EPS - Basic from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income - Diluted - including Extraordinary Items Applicable to Common - Total | (4.4) | (4.0) | 34.8 | 4.1 | 2.6 |
| Diluted Income available to Common excluding Extraordinary Items | (4.4) | (4.0) | 34.8 | 4.1 | 2.6 |
| Shares used to calculate Diluted EPS - Total mn | 25.0 | 25.0 | 25.0 | 25.0 | 25.0 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs | (0.17) | (0.16) | 1.39 | 0.16 | 0.10 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs | (0.17) | (0.16) | 1.39 | 0.16 | 0.10 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs | (0.17) | (0.16) | 1.39 | 0.16 | 0.10 |
| Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific | (4.4) | (4.0) | 34.8 | 4.1 | 2.6 |
| 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 | 25.0 | 25.0 | 25.0 | 25.0 | 25.0 |
| EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs | (0.17) | (0.16) | 1.39 | 0.16 | 0.10 |
| EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs | (0.17) | (0.16) | 1.39 | 0.16 | 0.10 |
| EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs | (0.17) | (0.16) | 1.39 | 0.16 | 0.10 |
| EPS - Diluted from Discontinued Operations & Extraordinary Items Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| DPS - Common - Gross - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| DPS - Common - Net - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Earnings before Interest & Taxes (EBIT) | 21.3 | 32.0 | 92.6 | 44.1 | 26.7 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) | 21.4 | 32.1 | 92.7 | 44.1 | 26.7 |
| Depreciation & Amortization - Supplemental | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 |
| Depreciation Expense - Total - Supplemental | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 |
| Depreciation, Depletion & Amortization - Total | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 |
| Depreciation - Total | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 |
| Normalized after Tax Profit | (4.4) | (4.0) | 34.8 | 4.1 | 2.6 |
| Normalized Net Income from Continuing Operations | (4.4) | (4.0) | 34.8 | 4.1 | 2.6 |
| Normalized Net Income - Bottom Line | (4.4) | (4.0) | 34.8 | 4.1 | 2.6 |
| Earnings before Interest & Taxes (EBIT) - Normalized | 20.8 | 31.0 | 92.6 | 44.1 | 26.7 |
| Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized | 20.8 | 31.1 | 92.7 | 44.1 | 26.7 |
| Interest Expense | 25.6 | 34.3 | 49.6 | 39.2 | 23.5 |
| Revenue after Loan Provisions - Net - Finance | — | — | — | — | 39.2 |
| Operating Expenses | 11.5 | 8.9 | (39.2) | (14.5) | (12.4) |
| Selling, General & Administrative Expenses excluding Research & Development Expenses | 0.1 | 0.9 | 10.2 | 6.4 | 14.0 |
| Income before Taxes & Provision for Loan Losses | (11.0) | (11.5) | (19.5) | (29.6) | (36.1) |
| DPS - Common - Gross - Issue - By Payable Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| DPS - Common - Gross - Issue - By Ex Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Tax Adjusted Operating Income | — | — | 74.8 | 36.6 | 22.1 |
| Operating Expenses excluding Non-Cash Charges - Total | 11.4 | 8.8 | (39.3) | (14.5) | (12.5) |
| Revenue Net of Interest Expense Before Loan Loss Provision | 32.8 | 40.9 | 53.4 | 29.6 | 14.2 |
| Income from Earning Assets | 32.8 | 40.8 | 50.2 | 29.1 | 14.0 |
| Income Available to Common Shares before Depreciation & Amortization | (4.3) | (3.9) | 34.8 | 4.1 | 2.6 |
| Fixed Charges | 25.6 | 34.3 | 49.6 | 39.2 | 23.5 |
| Estimated Tax Rate | 0.29× | 0.29× | 0.29× | 0.29× | 0.29× |
| Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Every line the company reported, in the original order and wording, without regrouping or signs changed.