BIPL BankIslami Pakistan Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 24.41 +0.33%
Financials
BankIslami Pakistan Limited (BIPL) financials
20 years of annual results (FY2006 – FY2025), 79 quarters.
BankIslami Pakistan Limited (BIPL) reported total income of Rs 44.8 bn for FY2025 (Jan – Dec 2025), down 11.7% from FY2024.
Profit attributable to shareholders was Rs 6.0 bn (EPS Rs 5.42), down 49.3%.
It declared a dividend of Rs 2.75 per share for FY2025 and has paid a dividend in each of the last 4 years.
Deposits stood at Rs 659.4 bn and net advances at Rs 310.1 bn, an advances-to-deposits ratio of 47.0%.
Return on equity was 12.4%.
Over the last five years total income grew at a compound 26.2% a year.
At Rs 24.41 (close on 16 Oct 2026) the shares trade at 7.5× earnings (TTM to Jun 2026) and 0.56× book value, with a dividend yield of 11.3%.
Fundamentals
BIPL at a glance
Total income · FY2025
Rs 44.8 bn
▼ 11.7% year on year
Profit attributable to shareholders · FY2025
Rs 6.0 bn
▼ 49.3% year on year
EPS – basic (Rs) · FY2025
Rs 5.42
▼ 49.3% year on year
Dividend per share (Rs) · FY2025
Rs 2.75
▲ 0.0% year on year
Deposits · FY2025
Rs 659.4 bn
▲ 17.8% year on year
Return on equity (ROE) · FY2025
12.4%
-15.6 pts year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Total income · FY2025
- Rs 44.8 bn
- Profit attributable · FY2025
- Rs 6.0 bn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 770.1 bn
- Equity · FY2025
- Rs 48.5 bn
Financial highlights
BIPL financial results
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 * Jan – Dec 2019 | FY2018 * Jan – Dec 2018 | FY2017 * Jan – Dec 2017 | FY2016 Jan – Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net interest income | 35.9 | 46.5 | 40.3 | 20.4 | 11.0 | 12.5 | 10.8 | 6.1 | 5.1 | 4.4 |
| Total non-interest income | 8.9 | 4.3 | 3.0 | 2.9 | 1.8 | 1.5 | 1.4 | 1.1 | 0.9 | 0.5 |
| Total income | 44.8 | 50.7 | 43.2 | 23.3 | 12.8 | 14.0 | 12.3 | 7.2 | 6.0 | 4.9 |
| Operating expenses | (31.2) | (24.1) | (21.5) | (15.4) | (9.6) | (11.3) | (10.5) | (6.8) | (5.7) | (4.5) |
| Provisions & impairment (loans) | (0.6) | 1.5 | 5.0 | 3.8 | 0.0 | 2.6 | 2.8 | (0.0) | (0.6) | (1.7) |
| Profit before tax | 14.0 | 25.5 | 20.0 | 8.2 | 3.2 | 2.8 | 1.9 | 0.4 | 0.2 | 0.8 |
| Profit attributable to shareholders | 6.0 | 11.8 | 10.6 | 4.5 | 2.0 | 1.5 | 1.1 | 0.3 | 1.7 | 0.6 |
| EPS – basic (Rs) Rs | 5.42 | 10.67 | 9.57 | 4.04 | 1.83 | 1.39 | 1.08 | 0.33 | 1.65 | 0.63 |
| Dividend per share (Rs) Rs | 2.75 | 2.75 | 2.75 | 1.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Advances (net) | 310.1 | 295.3 | 229.6 | 200.5 | 180.4 | 129.1 | 130.8 | 135.1 | 137.7 | 104.9 |
| Deposits | 659.4 | 559.6 | 523.0 | 416.4 | 345.6 | 282.4 | 230.0 | 186.5 | 180.5 | 153.2 |
| Total assets | 770.1 | 737.9 | 654.8 | 487.6 | 408.7 | 337.9 | 284.5 | 216.8 | 218.9 | 184.0 |
| Equity attributable to shareholders | 48.5 | 48.2 | 36.4 | 26.8 | 22.8 | 20.3 | 20.3 | 15.1 | 14.0 | 12.9 |
| 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 |
|---|---|---|---|---|---|---|---|---|---|
| Net interest income | 35.1 | 9.3 | 8.5 | 9.4 | 7.9 | 9.4 | 9.3 | 12.6 | 11.8 |
| Total non-interest income | 6.8 | 1.3 | 1.4 | 1.9 | 2.2 | 1.6 | 3.1 | 1.0 | 0.9 |
| Total income | 41.9 | 10.6 | 9.8 | 11.4 | 10.1 | 11.0 | 12.3 | 13.7 | 12.7 |
| Operating expenses | (32.9) | (8.2) | (7.9) | (8.5) | (8.2) | (7.6) | (6.9) | (6.9) | (6.6) |
| Provisions & impairment (loans) | (0.7) | (0.5) | (0.6) | 0.1 | 0.2 | (0.5) | (0.4) | 0.4 | 0.7 |
| Profit before tax | 9.3 | 2.4 | 1.9 | 3.1 | 1.9 | 3.5 | 5.5 | 5.6 | 6.1 |
| Profit attributable to shareholders | 3.6 | 1.1 | 0.9 | 0.9 | 0.7 | 1.8 | 2.6 | 1.6 | 3.1 |
| EPS – basic (Rs) Rs | 3.27 | 1.02 | 0.82 | 0.84 | 0.60 | 1.62 | 2.36 | 1.47 | 2.83 |
| Dividend per share (Rs) Rs | 2.75 | 1.50 | 0.00 | 1.25 | 0.00 | 1.50 | 0.00 | 1.25 | 0.00 |
| Advances (net) | 364.5 | 364.5 | 292.8 | 310.1 | 259.2 | 242.4 | 283.4 | 295.3 | 172.3 |
| Deposits | 699.3 | 699.3 | 645.0 | 659.4 | 604.8 | 630.6 | 577.0 | 559.6 | 552.4 |
| Total assets | 809.8 | 809.8 | 767.3 | 770.1 | 750.6 | 748.2 | 741.8 | 737.9 | 662.6 |
| Equity attributable to shareholders | 48.4 | 48.4 | 46.5 | 48.5 | 47.5 | 48.4 | 45.3 | 48.2 | 46.0 |
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets. Free cash flow and book value per share are calculated by Smart Money; TTM = the latest four quarters. Updated 16 Oct 2026.