Bankislami Pakistan Limited · PSX:BIPL
Bankislami Pakistan — Investor Presentation (August 2025)
27 slides from Bankislami Pakistan's investor presentation, August 2025
Slide 1: Corporate Briefing Session
Corporate Briefing Session For the year 2024 & HY 2025
Slide 2: Agenda
A INTRODUCTION Introduction to the Bank, Network Size, Range of Services and G KEY FINANCIAL HIGHLIGHTS Products, Credit Rating E FINANCIAL PERFORMANCE Journey of a Turn-around, PBT, PAT, Total Assets, Financing, Deposits, etc. N Investment portfolio, Financing Portfolio, Non performing Financing, P
Slide 3: Who We Are
PAKISTAN’S & BankIslami BEST ISLAMIC BANK Euromoney October 2004 March 2005 Incorporated as Public Commencement of . Limited Company to carry Operations as an Islamic out business of an Islamic Bank listed on Stock WH O WE Commercial Bank Exchange ARE? ? ? : O O March 2005 eds sated additional Grant
Slide 4: Our Purpose
OUR PURPOSE
Slide 5: Nationwide Presence
210+Cities 550+ ATMs 544 Branches NATIONWIDE 79% Urban Areas PRESENCE 21%Rural Areas with a special focus on reaching underserved areas to enable financial inclusion
Slide 6: Key Products & Services
KEY PRODUCTS & SERVICES Cash Management & Employee SME Financing Agri Financing Consumer Banking Finance Corporate Investment Personal Banking Banking Banking
Slide 7: We Made History by Launching Pakistan's First Islamic Digital Banking Experience
Pakistan’s First Islamic Digital Banking Experience IN 2025 WE MADE HISTORY BY LAUNCHING
Slide 8: Specialized Products
PRODUCTS Banklslami ss Raast Transfers ~ ht at the Counter! Banklslami Banklslami PAKISTAN'S. CERTREDBY EUROMONEY Banklslami Banklslami MAKE THE MOST. OF YOUR SAVINGS WITH MASHAL ACCOUN O GNiK GMASHAL Banklslami Banklslami cRAASTQR — ~2Cdn Karo 2K Quake 13K eka golden mauga
Slide 9: Biggest Highlight of 2025
& BanklIslami BEST ISLAMIC PAKISTAN'S Bic BEST |=, BiceeicHT ISLAMIC / OF 2025 BANK CERTIFIED BY EUROMONEY
Slide 10: More Wins
MORE WINS Best Campaign Banking on Equality Pakistan Finclusion Asian Banking & Award Award Finance Awards Saving Humanity BankIslami ranked Won Best Domestic from Riba Campaign Recognized for Trade & Finance 1st in State Bank’s Bank’s inclusivity received the Best Banking on Equality Bank for 2024
Slide 11: More Wins
MORE WINS Martin Dow Nayatel Syndicated IFN Best Banks Poll Water Deal of the Syndicated Financing year Financing Won Water Deal of Sucessfully closed a Won Best Islamic the Year for acting as Successfully closed a PKR 4.5 Billion deal PKR 1.75 billion deal Trustee at the IFN one of the Mandated for
Slide 12: Our Future-Proof Approach
OUR FUTURE-PROOF APPROACH CORE PRINCIPLES WITH MODERN APPROACH Profit-sharing deposits, SME Tech-led innovations such as partnerships, housing Musharakah biometric ATMs, One Touch and now ‘aik’ Digital App Mutual funds, Takaful, and ethical SME, women, youth-focused portfolio advisory Islamic produc
Slide 13: Key Initiatives
AIK Digital App - Launched one of its kind Islamic digital app, its more than just an app. It’s a movement toward a unified and ethical financial future for all Exchange Company - In order to provide hassle free foreign exchange services to our trade and other clients Key Core Banking System Upgrada
Slide 14: Key Financial Headlines
Key Financial Headlines FY PAT Profit after Tax (Rs. in Billion) Dividend Payout Ratio No. of Branches HY PAT 38% 540 544 12 11 28% 440 26% 7 5 4 Div/ 23% 1% ROE 30% 34% 24%24% 34% 18% 18% Share 2.75 2.75 1.5 2023 2024 HY 2025 2023 2024 HY2025 2023 2024 HY2025 Current Deposits (Rs. in Billion) Total
Slide 15: Key Financial Headlines
Key Financial Headlines Total Assets (Rs. in Billion) Investments (Rs. in Billion) 748 391 738 345 314 655 13% 1% 10% 13% 2023 2024 HY2025 2023 2024 HY2025 Total Financings – Net (Rs. in Billion) Total Equity (Rs. in Billion) 296 48 48 230 243 36 32% 0% 29% -18% 2023 2024 HY2025 2023 2024 HY2025
Slide 16: Financial Performance: Investments
Financial Performance Rs. In Million Sukuk Composition Growth Investments - Net Jun - 25 Dec - 24 Dec - 23 2.34% Jun-25 Vs Dec-24 Dec-24 Vs Dec-23 Federal Government Securities 353,336 311,026 277,867 14% 12% Non Government Securities 2,859 2,325 4,673 23% -50% Fixed Floater Pakistan Energy Sukuk 30
Slide 17: Financial Performance: Financings
Financial Performance Rs. in Billion 252 Financing - Net (Rs in Billion) Growth 191 Financings – Net Jun - 25 Dec - 24 Dec - 23 Jun-25 Vs Dec-24 Vs Dec-24 Dec-23 107 Corporate 191.1 251.5 107.2 -24% 135% 85 GoP & PSE 17.0 17.5 84.6 -3% -79% 26 23 22 17 17 21 16 12 11 11 13 4 5 5 SME 21.2 13.4 10.7 5
Slide 18: Financial Performance: NPLs and Provisions
Financial Performance NPLs (Islamic) NPLS - Islamic Portfolio (Rs. In Billion) Sp. Provisions (Islamic) Provision Coverage - Islamic (Rs. in billion) Delinquency Ratio Provision Coverage 87% 90% 25 (Islamic) 10% 20 (Islamic) 95% 88% 93% 94% 100% 9% 10% 80% 20 90% 7% 7% 6% 6% 79% 79% 8% 15 80% 6% 6%
Slide 19: Financial Performance: Deposits
Financial Performance Rs. In Billions HY-2025 Dec - 24 Dec - 23 Growth % Deposits Jun-25 Vs Dec- Dec-24 Vs Dec- Amount Composition Amount Composition Amount Composition 24 23 Current Deposit 293 47% 213 38% 195 37% 37.87% 9.16% Saving Deposit 152 24% 154 28% 130 25% -1.42% 18.87% Term Deposit 185 29
Slide 20: Financial Performance: Profit & Loss Statement
Financial Performance Rs in Million Variance Variance Profit & Loss Statement Jun-25 Jun-24 Jun-25 Vs Dec-24 Dec-23 Dec-24 Vs Jun-24 Dec-23 Average 6-M Kibor 11.73% 21.22% 18.58% 21.58% Profit Earned 38,898 59,030 (20,132) 112,801 92,756 20,044 Profit Expensed 20,375 36,973 16,598 66,414 52,573 (13,
Slide 21: Key Ratios
Key Ratios Rs. In Million Ratios Jun-25 Dec-24 Dec-23 Net Spread to Profit Earned 47.62% 41.12% 43.32% Cost to Total Income Ratio 64.10% 43.47% 37.15% Administrative Expenses Per Branch * 56.55 42.06 37.68 Return on Equity * 18.20% 24.50% 30.29% Return on Earning Assets * 1.40% 2.04% 2.27% Return on
Slide 22: Digital Stats
Digital Stats No. of Debit Cards No. of Mobile App Users No. of Digital Transactions (Count in '000) 804,750 44,631 535,623 652,656 32,630 557,235 26,450 320,887 163,228 17% 23% 97% 67% 2023 2024 HY2025 2023 2024 HY2025 2023 2024 HY2025
Slide 23: Commitment to CSR & Social Welfare
Commitment to CSR & Social Welfare BankIslami integrates its mission of “Saving Humanity from Riba” with social responsibility by supporting underserved communities through impactful CSR and charity programs. Key Highlights - 2024 • Charity Fund: Islamic charity collected from late payment deterrent
Slide 24: Areas Under Focus
Areas Under Focus Growth in Current Account Regulatory Compliance Growth in Current Accounts to improve spreads Ensure Continued Regulatory Compliance Deposit Base AIK Digital App Grow overall Deposit base to improve deposit per branch ratio Further enhancement of products and services to increase m
Slide 25: Social Media Presence, How to Reach Us?
Social Media Presence How to Reach Us? Bankislami-Pakistan-limited Bipl.official ADDRESS CONTACT 11th Floor, Executive Tower, Phone (92-21) 111-247(BIP)-111 BankIslami Pakistan Limited Dolmen City, Marine Drive, Fax: (92-21) 35378373 Head Office Block-4, Clifton, Karachi. Email: info@bankislami.com.
Slide 26: Q&A
BankIslami Q&A
Slide 27: Thank You
BankIslami THANK YOU
BankIslami Pakistan — Investor Presentation (August 2025) on 6ix