AGENDA
01
02
03
04
05
Introduction Key Financial Highlights Financial Performance Achievements & Initiatives
Areas to Focus
BankIslami at a Glance
MARCH 2005
JUNE 2023
Granted a Scheduled Islamic Commercial Bank license by the State Bank of Pakistan.
The PACRA credit rating was upgraded from A+ to AA-.
May 2015
AUGUST 2023
Acquired KASB Bank
JS Bank acquired an additional 67.33% stake, making total holding to 75.12%
Our Purpose
Our mission is to advance a financial system grounded in لدع
(justice),
تیفافش (transparency) and لوصا یقالخا (ethical principles) by providing Shariah-compliant banking solutions that contribute to Saving Humanity from Riba and fostering a more equitable and responsible economic future.
Nationwide Presence Key Products and Services
569
210+Cities
570+
ATMs
Cash Management and Emplyee
Aik Digital
SME Financing
Agri Financing
77%
Branches
Banking
Urban Areas
23%
Rural Areas
Consumer
Finance
Corporate
Banking
Investment
Banking
Personal
Banking
Pakistan's First Islamic Digital Banking Experience
SPECIALIZED PRODUCTS
SPECIALIZED PRODUCTS
Biggest Wins Of 2025
CFA Society Awards
Other Wins Of 2025
Best Campaign Award
Saving Humanity campaign won Best Campaign at Pakistan Digital Awards 2025.
Banking on Equality
Ranked 1st in the State Bank's Banking on Equality scorecard in its category.
Best Campaign Award
Recognized for Bank's inclusivity efforts at Pakistan PWD Finclusion Awards 2025
Banking on Equality
Won Best Domestic Trade & Finance Bank for 2024 at Asian Banking & Finance Awards 2024.
Other Wins Of 2025
IFN Best Banks Poll
Won Best Islamic Trustee at the IFN Best Banks Poll.
Water Deal of the year
Won Water Deal of the Year for acting as one of the Mandated Lead Advisors for an Islamic Project Financing.
Martin Dow Syndicated Financing
Successfully closed a PKR 4.5 Billion deal for syndicated Islamic financing.
Nayatel Syndicated Financing
Sucessfully closed a PKR 1.75 billion deal for Syndicated financing as a lead arranger.
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
Key Initiatives
Acquired 32 story building
Aik Digital App
Shariah Awareness Sessions for Staff & General Public
Incorporation of BIPL Exchange Company *
Core Banking System Upgradation
for Headoffice
* license from SBP is under process.
Key Financial Headlines
2.75
2.75
2.75
Profit after Tax (Rs. in Billion)
32.5%
11.8
Dividend Payout Ratio
51%
No. of Branches
540 569
ROE
20.8%
4.4
11.0
6.0
14.1%
Div/ Share
0%
28% 26%
380
440
60
100 29
39.8%
2022 2023 2024 2025
2022 2023 2024 2025
2022 2023 2024 2025
171
Current Deposit (Rs. in Billion)
195 213
288
416
Total Deposits (Rs. in Billion)
523 559
660
1,320
Number of Accounts
Count in '000'
1,496 1,571
1,822
14%
9% 35%
26%
7% 18%
13%
5% 16%
2022 2023 2024 2025
2022 2023 2024 2025
2022 2023 2024 2025
Key Financial Headlines
Total Assets (Rs. in Billion)
738 771
Investments (Rs. in Billion)
314 345 323
487
655
180
34%
13% 5%
75%
10%
-6%
2022 2023 2024 2025 2022 2023 2024 2025
Total Financing - Net (Rs. in Billion)
296 292
230
201
Total Equity (Rs. in Billion)
48 49
36
26
14%
29%
-1%
38%
32% 1%
2022 2023 2024 2025 2022 2023 2024 2025
Financial Performance
Rs. In Million | |||
Investments - Net | Dec - 25 | Dec - 24 | Variance |
Dec-25 Vs Dec-24 | |||
Federal Government Securities | 314,736 | 311,026 | 1% |
Non Government Securities | 2,302 | 2,325 | -1% |
Pakistan Energy Sukuk | 0 | 30,855 | -100% |
Shares & Others | 5,849 | 846 | 592% |
Total | 322,887 | 345,052 | -6% |
Sukuk Composition - Floater & Fix
0.0%
0.7%
1.8%
97.5%
Dec - 25
Dec - 24
4.5%
Rs. 14.2 Bn
95.5%
Rs. 300.5 Bn
FixedFloater
Federal Government Securities
Non Government Securities
Pakistan Energy
Sukuk
0.7%
8.9% 0.2%
Shares & Others 90.1%Financial Performance
Rs. in Billion | |||
Financings - Net | Dec - 25 | Dec - 24 | Variance |
Dec-25 Vs Dec-24 | |||
Corporate | 203.1 | 251.5 | -19% |
GoP & PSE | 43.6 | 17.5 | 149% |
SME | 29.8 | 13.4 | 122% |
Agri | 6.3 | 4.8 | 32% |
Auto | 11.1 | 11.8 | -7% |
Housing | 23.3 | 22.9 | 2% |
Islamic Portfolio - Gross | 317.1 | 322.0 | -1% |
Provisioning - Islamic | -25.5 | -26.0 | -2% |
Islamic Portfolio-Net | 291.7 | 296.0 | -1% |
Conventional portfolio - Net | 0.1 | 0.1 | -1% |
Total Portfolio - Net | 291.8 | 296.0 | -1% |
Financing - Net (Rs in Billion)
252
203
17
13
44 30
5 6
12 11
23 23
Corporate | GoP & PSE | SME | Agri | Auto | Housing |
Dec - 24 | Dec - 25 |
Segment | Composition | |
Dec - 25 | Dec - 24 | |
Corporate | 64% | 78% |
GoP & PSE | 14% | 5% |
SME | 9% | 4% |
Agri | 2% | 1% |
Auto | 3% | 4% |
Housing | 7% | 7% |
Financial Performance
NPLs (Islamic)
NPLS - Islamic Portfolio (Rs. in Billion)
Delinquency Ratio
(Islamic)
10.20%
8.59%
Sp. Provisions (Islamic) Provision Coverage (Islamic)
95%
88%
80%
Provision Coverage - Islamic (Rs. in billion)
87%
90%
93%
94%
93%
94%
6.93%
6.30%
5.91%
5.68%
6.39%
5.98%
5.34%
17
Dec-23
17
Mar-24
19
Jun-24
20
Sep-24
19
Dec-24
18
Mar-25
17
Jun-25
17
Sep-25
17
Dec-25
14
Dec-23
16
Mar-24
16
Jun-24
17
Sep-24
17
Dec-24
16
Mar-25
16
Jun-25
16
Sep-25
16
Dec-25
NPLs (Total)
NPL - Total Portfolio (Rs. in Billion)
Sp. Provisions (Total)
Provision Coverage(Total)
Provision Coverage - Total (Rs. in billion)
Delinquency Ratio (Total)
96%
90%
94%
95%
95%
95%
9.01%
8.19%
10.87%
12.67%
7.42%
7.24%
85%
90%
92%
8.17%
7.63%
6.82%
23
Dec-23
23
Mar-24
24
Jun-24
25
Sep-24
24
Dec-24
23
Mar-25
22
Jun-25
22
Sep-25
22
Dec-25
19
Dec-23
22
Mar-24
22
Jun-24
23
Sep-24
22
Dec-24
21
Mar-25
21
Jun-25
21
Sep-25
21
Dec-25
Coverage ratio (incl. Stage 1 & 2 Provision) of total portfolio is 113.5%, while Islamic portfolio is 117.9% as of Dec-25.
Financial Performance
Segment Wise Deposits
7.1% 2.7%
Rs. In Billion | |||||
Deposits | Dec - 25 | Dec - 24 | Growth % | ||
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% |
Total Deposit | 660 | 100% | 559 | 100% | 18.06% |
CASA | 470 | 71% | 367 | 66% | 28.03% |
5.9%
RetailCorporate
Commercial
SME
84.3%
Deposit (Rs in Billion)
CASA (Rs in Billion)
71%
24%
21% 21%
26%
62%
66%
18% | |||||
7% | |||||
284 | 345 | 416 | 523 | 559 | 660 |
2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
69% | 67% | ||||
64% 95 | 134 | 171 | 195 | 213 | 288 |
86 | 103 | 107 | 130 | 154 | 182 |
2020 | 2021 | 2022 SA CA | 2023 CASA Mix | 2024 | 2025 |
Total Deposits YoY Growth
Deposit grew with a CAGR of 18% in five years, while CA composition has improved from 33% in 2020 to 43.6% in Dec-25.
Rs in Million
Financial Performance
Profit & Loss Statement | Dec-25 | Dec-24 | Variance 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 | 3,426 | 2,306 | 49% | 1,120 | |
Dividend income | 255 | 67 | 279% | 188 | |
Foreign exchange income | 1,281 | 1,339 | -4% | (58) | |
Gain on sale of securities | 4,172 | 701 | 495% | 3,471 | |
Other income | 381 | 177 | 115% | 204 | |
Non Funded Income | 9,515 | 4,591 | 107% | 4,924 | |
Total Income | 45,166 | 50,977 | -11% | (5,811) | |
Total administrative expenses | 31,834 | 22,714 | -40% | (9,120) | |
Operating Profit Before Tax & Provision | 13,332 | 28,263 | -53% | (14,931) | |
Provisions | (632) | 2,734 | 123% | 3,365 | |
Taxation | 7,961 | 13,696 | 42% | 5,735 | |
Profit After Tax | 6,003 | 11,834 | -49% | (5,831) | |
Financial Performance
Rs in Million
Statement of Financial Position | Dec-25 | Dec-24 | Variance 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 | 345,052 | -6% | (22,164) | |
Islamic financing, related assets and advances | 291,751 | 296,097 | -1% | (4,347) | |
Property and equipment | 25,405 | 15,103 | 68% | 10,303 | |
Right-of-use assets | 5,655 | 4,315 | 31% | 1,341 | |
Intangible assets | 4,695 | 4,050 | 16% | 645 | |
Deferred tax assets | 4,405 | 0 | 100% | 4,405 | |
Other assets | 24,656 | 26,883 | -8% | (2,227) | |
Total Assets | 771,343 | 737,834 | 5% | 33,509 | |
LIABILITIES | |||||
Bills payable | 9,895 | 13,774 | -28% | (3,878) | |
Due to financial institutions | 14,613 | 87,662 | -83% | (73,049) | |
Deposits and other accounts | 660,183 | 559,178 | 18% | 101,005 | |
Lease liabilities | 6,604 | 4,840 | 36% | 1,764 | |
Subordinated sukuk | 3,000 | 3,000 | 0% | - | |
Deferred tax liabilities | 0 | 1,385 | -100% | (1,385) | |
Other liabilities | 28,433 | 19,686 | 44% | 8,747 | |
Profit After Tax | 722,729 | 689,525 | 5% | 33,204 | |
NET ASSETS | 48,614 | 48,309 | 1% | 305 | |
REPRESENTED BY | |||||
Share capital - net | 11,008 | 11,008 | - | - | |
Reserves | 8,367 | 7,167 | 17% | 1,201 | |
Surplus on revaluation of assets | 4,316 | 7,396 | -42% | (3,081) | |
Unappropriated profit | 24,923 | 22,738 | 10% | 2,185 | |
48,614 | 48,309 | 1% | 305 |
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 Assets | 0.95% | 2.04% | 2.27% |
Return on Average assets | 0.80% | 1.70% | 1.93% |
Capital Adequacy Ratio | 16.55% | 24.11% | 23.79% |
Deposits per Branch | 1160 | 1036 | 1188 |
Infection Ratio (Islamic Portfolio) | 5.34% | 5.91% | 6.93% |
Infection Ratio (Total Portfolio) | 6.82% | 7.42% | 9.02% |
Coverage Ratio (incl. stage 1 and 2) | 114% | 105% | 104% |
Advances to Deposits ratio - Net | 44.19% | 52.94% | 44.05% |
Advances to Deposits ratio - Gross | 48.81% | 58.51% | 48.62% |
Digital Stats
No. of Debit Cards
700,329
No. of Mobile App Users
320,887
163,228
97%
42%
454,480
No. of Digital Transactions
(Count in '000)
55,601
652,656
557,235
17%
7%
44,631
32,630
37%
25%
2023 2024 2025
2023 2024 2025
2023 2024 2025
Key Highlights - 2025 Charity Fund:
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.
Islamic charity collected from late payment deterrents was disbursed as Rs. 98.7 million for charitable and social welfare purposes.
Islami Khair Current Account:
The Islami Khair Current Account is a Shariah-compliant deposit account through which BankIslami contributes an amount equal
to 1% of the average deposit balance toward charitable causes, without any deduction from the customer's account. In 2025, the Bank disbursed Rs. 149.87 million through this fund.
Areas Under Focus
Growth in Current Account
Deposit Base
Financing Portfolio
AIK Digital App
Digital Footprint
Regulatory Compliance
Cash management & Employee Banking
Digital Presence
Bankislami-Pakistan-limited
Bipl.officia l
@biplofficia l
BIPLOfficia l
bankislamipakistanlimite d
https://www.bankislami.com.p k
Contact Details
ADDRESS
CONTACT
BankIslami Pakistan Limited
Head Office
11th Floor, Executive Tower, Dolmen City, Marine Drive, Block-4, Clifton, Karachi.
Phone (92-21) 111-247(BIP)-111
Fax: (92-21) 35378373
Email: info@bankislami.com.pk
Q & A Thank You