Bankislami Pakistan Limited · PSX:BIPL
Bankislami Pakistan — FY2025 Earnings Presentation
28 slides from Bankislami Pakistan's earnings presentation, 2026
Slide 1: Corporate Briefing Session FY 2025
Corporate Briefing Session FY 2025
Slide 2: Agenda
AGENDA 01 Introduction 02 Key Financial Highlights 03 Financial Performance 04 Achievements & Initiatives 05 Areas to Focus
Slide 3: BankIslami at a Glance
BankIslami at a Glance MARCH 2005 JUNE 2023 Granted a Scheduled Islamic The PACRA credit rating was Commercial Bank license by the upgraded from A+ to AA-. State Bank of Pakistan. May 2015 AUGUST 2023 Acquired KASB Bank JS Bank acquired an additional 67.33% stake, making total holding to 75.12%
Slide 4: Our Purpose
Our Purpose Our mission is to advance a financial system grounded in ( عدلjustice), ( شفافیتtransparency) and ( اخالقی اصولethical principles) by providing Shariah- compliant banking solutions that contribute to Saving Humanity from Riba and fostering a more equitable and responsible economic
Slide 5: Nationwide Presence, Key Products and Services
Nationwide Presence Key Products and Services 210+Cities Aik Digital 570+ ATMs Cash Management 569 and Emplyee SME Financing Agri Financing Branches Banking 77% Urban Areas 23% Rural Areas Consumer Corporate Investment Personal Finance Banking Banking Banking
Slide 6: Pakistan's First Islamic Digital Banking Experience
Pakistan’s First Islamic Digital Banking Experience
Slide 7: Specialized Products
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Slide 8: Specialized Products
PAKISTAN'S wes ; EUROMONEY 4 Banklslami BankIslami Bankislami RAAST Ab Counter Par MAKE THE MOST. ‘Mobile Number Se Instant Transfer OF YOUR SAVINGS WITH CENT aod CM MASHAL ACCOUNT % U PRODUCTS Bankislami Banklslami Banklslami
Slide 9: Biggest Wins of 2025
Biggest Wins Of 2025 CFA Society Awards
Slide 10: Other Wins of 2025
Other Wins Of 2025 Best Campaign Banking on Best Campaign Banking on Award Equality Award Equality Saving Humanity campaign Ranked 1st in the State Bank’s Recognized for Bank’s Won Best Domestic Trade & won Best Campaign at Banking on Equality scorecard inclusivity efforts at Pakistan Finance Bank f
Slide 11: Other Wins of 2025
Other Wins Of 2025 IFN Best Banks Water Deal of the Martin Dow Nayatel Poll year Syndicated Financing Syndicated Financing Won Best Islamic Trustee at Won Water Deal of the Year Successfully closed a PKR 4.5 Sucessfully closed a PKR 1.75 the IFN Best Banks Poll. for acting as one of the Billion deal
Slide 12: Our Future-Proof Approach
OUR FUTURE-PROOF APPROACH Modern Approach • Tech-led innovations such as biometric ATMs, One Touch and now ‘aik’ Digital App Future headquarters of BankIslami 32 story building on the sea front
Slide 13: Key Initiatives
Key Initiatives Acquired 32 Aik Digital App story building Core Banking for Headoffice System Shariah Incorporation of Upgradation Awareness BIPL Exchange Sessions for Company * Staff & General Public * license from SBP is under process.
Slide 14: Key Financial Headlines
Key Financial Headlines Profit after Tax (Rs. in Billion) Dividend Payout Ratio No. of Branches 569 540 11.8 51% 11.0 440 380 28% 26% 6.0 4.4 60 100 29 30% 34% 24%24%34% 18% 18% Div/ 39.8% ROE 20.8% 39.8% 32.5% 32.5% 14.1% 14.1% Share 2.75 2.75 2.75 2.75 2.75 0% 2022 2023 2024 2025 2022 2023 2024 20
Slide 15: Key Financial Headlines
Key Financial Headlines Total Assets (Rs. in Billion) Investments (Rs. in Billion) 771 345 738 314 323 655 487 180 34% 13% 5% 75% 10% -6% 2022 2023 2024 2025 2022 2023 2024 2025 Total Financing - Net (Rs. in Billion) Total Equity (Rs. in Billion) 296 292 49 48 230 201 36 26 14% 29% -1% 38% 32% 1% 20
Slide 16: Financial Performance: Investments
Financial Performance Rs. In Million Sukuk Composition - Floater & Fix Variance 4.5% Rs. 14.2 Bn Investments - Net Dec - 25 Dec - 24 Dec-25 Vs Dec-24 Federal Government Securities 314,736 311,026 1% Non Government Securities 2,302 2,325 -1% Fixed Pakistan Energy Sukuk 0 30,855 -100% Floater Shares &
Slide 17: Financial Performance: Financing
Financial Performance Financing - Net (Rs in Billion) Rs. in Billion 252 Variance Financings - Net Dec - 25 Dec - 24 203 Dec-25 Vs Dec-24 Corporate 203.1 251.5 -19% GoP & PSE 43.6 17.5 149% SME 29.8 13.4 122% 44 Agri 6.3 4.8 32% 30 23 23 17 13 12 11 5 6 Auto 11.1 11.8 -7% Corporate GoP & PSE SME Agr
Slide 18: Financial Performance: NPLs and Provision Coverage
Financial Performance NPLs (Islamic) NPLS - Islamic Portfolio (Rs. in Billion) Sp. Provisions (Islamic) Provision Coverage - Islamic (Rs. in billion) Provision Coverage (Islamic) Delinquency Ratio 10.20% 25 95% 93% 94% 93% 94% 100% 20 (Islamic) 10% 88% 87% 90% 20 8.59% 90% 19 20 80% 19 6.93% 6.39% 8
Slide 19: Financial Performance: Deposits
Financial Performance Segment Wise Rs. In Billion Deposits Dec - 25 Dec - 24 Growth % 2.7% 7.1% Deposits 5.9% Amount Composition Amount Composition Dec-25 Vs Dec-24 Current Deposit 288 44% 213 38% 35.23% Saving Deposit 182 28% 154 28% 18.11% Term Deposit 190 29% 192 34% -1.02% Retail Total Deposit 6
Slide 20: Financial Performance: Profit & Loss Statement
Financial Performance Rs in Million Variance Profit & Loss Statement Dec-25 Dec-24 Dec-25 Vs Dec-24 Average 6-M Kibor 11.40% 18.58% Profit Earned 74,235 112,801 -34% (38,566) Profit Expensed 38,584 66,414 42% 27,830 Net spread earned 35,651 46,387 -23% (10,736) Other Income Fee and commission income
Slide 21: Financial Performance: Statement of Financial Position
Financial Performance Rs in Million Variance Statement of Financial Position Dec-25 Dec-24 Dec-25 Vs Dec-24 ASSETS Cash and balances with treasury banks 71,821 41,094 75% 30,727 Balances with other banks 1,068 983 9% 85 Due from financial institutions 19,000 4,258 346% 14,742 Investments 322,887 345
Slide 22: Key Ratios
Key Ratios Rs. In Million Ratios Dec-25 Dec-24 Dec-23 Net Spread to Profit Earned 48.02% 41.12% 43.32% Cost to Total Income Ratio 69.58% 43.47% 37.15% Administrative Expenses Per Branch 55.23 42.06 37.68 Return on Equity 14.09% 32.55% 39.81% Return on CET 1 14.61% 30.50% 38.73% Return on Earning Ass
Slide 23: Digital Stats
Digital Stats No. of Debit Cards No. of Mobile App Users No. of Digital Transactions (Count in '000) 454,480 700,329 55,601 652,656 557,235 44,631 320,887 32,630 163,228 17% 7% 97% 42% 37% 25% 2023 2024 2025 2023 2024 2025 2023 2024 2025
Slide 24: 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 - 2025 Charity Fund: Islamic charity collected from late payment deterrents
Slide 25: Areas Under Focus
Areas Under Focus Growth in Current Account AIK Digital App Deposit Base Digital Footprint Financing Portfolio Regulatory Compliance Cash management & Employee Banking
Slide 26: Digital Presence and Contact Details
Digital Presence Bankislami-Pakistan- Bipl.officia @biplofficia BIPLOfficia bankislamipakistanlimite www.bankislami.com.p limited l l l d k Contact Details ADDRESS CONTACT BankIslami Pakistan Limited Phone (92-21) 111-247(BIP)-111 Head Office Fax: (92-21) 35378373 11th Floor, Executive Tower, Dolmen
Slide 27: Q&A
BankIslami BEST stam \ Q&A SAVING HUMANITY | 9S =ueilail 7 FROM RIBA | v-tlzs =u s9u1
Slide 28: Thank You
BankIslami BEST stam \ Thank You SAVING HUMANITY | 9S =ueilail 7 FROM RIBA | v-tlzs =u s9u1