Financial Results for the Third Quarter and Nine Months ended 30.09.2025

ASSETS

Cash and balances with treasury banks

6

56,738,580

45,899,687

Balances with other banks

7

2,492,776

3,375,508

Lendings to financial institutions

8

6,498,967

8,598,419

Investments

9

499,944,055

384,305,619

Advances

10

194,090,256

241,738,092

Property and equipment

11

18,196,947

15,634,706

Right-of-use assets

12

7,974,204

5,349,918

Intangible assets

13

363,982

394,493

Deferred tax assets

Other assets

14

34,143,924

34,202,911

Total Assets

820,443,691

739,499,353

LIABILITIES

Bills payable

15

8,357,001

14,762,474

Borrowings

16

109,201,375

109,372,567

Deposits and other accounts

17

629,128,188

543,145,882

Lease liabilities

18

9,256,499

6,381,527

Subordinated debt

19

7,996,000

7,996,800

Deferred tax liabilities

20

1,808,788

2,072,498

Other liabilities

21

21,451,982

24,957,859

Total Liabilities

787,199,833

708,689,607

NET ASSETS

33,243,858

30,809,746

REPRESENTED BY

Share capital

11,024,636

11,024,636

Reserves

6,974,077

6,313,315

Surplus on revaluation of assets

22

5,254,132

4,286,624

Unappropriated profit

9,991,013

9,185,171

33,243,858

30,809,746

CONTINGENCIES AND COMMITMENTS

23

30 September

30 September

30 September

30 September

2025

2024

2025

2024

---

----- -•--- (Rupees in '000) -

--—

--

(Restated)

(Restated)

Mark-up / return / interest earned

24

20,861,033

30,855,604

64,391,563

87,806,091

Mark-up / return / interest expensed

25

14,122,601

23,952,863

43,394,442

68,969,726

Net mark-up / interest income

6,738,432

6,902,741

20,997,121

18,836,365

1,238,246

1,082,730

3,602,993

140,847

3,152,052

113,386

526,046

543,124

1,134,832

1,628,970

1,179,594

(37,671)

1,553,751

250,927

18,696

30,883

85,707

79.401

Fee and commission income

Dividend income

26

Foreign exchange income

Gain / (loss) on securities

27

Net gains / (loss) on derecognition of financial assets measured at amortised cost

Other income

28

Total non mark-up / interest Income

2,962,582

1,619,066

6,518,130

5,224,736

Total income

9,701,014

8,521,807

27,515,251

24,061,101

NON MARK-UP / INTEREsT ExpENSES

Operating expenses

29

Workers' Welfare Fund

30

Other charges

31

Total non mark-up / interest expenses

6,552,842

5,176,815

17,832,920

14,519,603

Profit before credit loss allowance

3,148,172

3,344,992

9,682,331

9,541,498

Credit loss allowance and write offs - net

32

228,650

130,409

77,970

(192,036)

Extra ordinary / unusual items

PROFIT BEFORE TAXATION

2,919,522

3,214,583

9,604,361

9,733,534

Taxation

33

2,112,613

1,664,773

6,300,553

4,967,751

6,261,100

5,111,211

17,282,161

14,287,900

58,424

65,604

192,121

198,644

233,318

358,638

33,059

Share capital

statutory reserve (^)

Surplus I (deficit} on revaluation of

iJnappiopiiatnd profit

foul

Investments

bsnldng

2,074,026

2,074,026

722

722

(65,580

(65,580)

(3,307,391

(3,307,391

(1,378,080

(1,378,080

Balance as at 01 January 2024 (Audited)

11,024,636

5,133,056

(1.135,159)

2,727,336

68,905

10,794,392

28,613,166

Impact of reclassited on adoption of IFRS 9 - net of tax

1,203,498

1,203,498

Impact of adoption of IFRS 9 - net of tax

-

-

-

(1,732,740)

(1,732,740)

Balance as at 01 January 2024 after adoption of IFRS 9

11,024,636

5,133,056

68,339

2,727,336

68,905

9,061,652

28,083,924

Profit after taxation for the nine months ended 30 September 2024 - (restated)

4,765,783

4,765,783

Qher comprehensive income / (loss) - net of tax

• Movement in surplus on revaluation of inveslments in debt instruments - net of tax

• Loss on sale of debt instruments carried at FVOCI edassified to profit and loss - net of tax

• Movement in surplus on evaluation of investments in equity instruments - net of tax

- Tool other comprehensive income - net of tax

2,009,168

2,009,168

Transfer to statutory reserve

(943,364)

Transfer from surplus on revaluation o(assets to unappropñated profit - net of tax Transfer from surplus on revaluation olnon-banking asset to unappropriated

profit on disposal -net of tax

(78,965)

(117)

(5,309)

79,082

5,309

Transaction wlth ownem recorded directly in equity

Final cash dividend for the year ended 31 December 2023 at Rs 3.00 per share Interim cash dividend for the half year ended 30 June 2024 at Rs. 1.25 per share

(4,685,471)

(4,685,471)

Balance as at 30 September 2024 (un- restated

11.024,636

6,076,420

2,077,507

2,648,371

63,479

8,282,991

30,173,404

Profit after taxation for the quarter ended 3J December 2024

1,135,511

1,135,511

Other comprehensive Income / (loss) • net of taz

• Movement in surgk/s on revaluation of investments in debt instruments - net of tax

• Gain on saB of debt instrument carried at FVOCI redassified to profit and loss - net of lax

• Movement in surgkis on revaluation of investments in equity instruments - net of tax

• Rameasurement bss on defined benefit obligations - net ol tax

• Movement in surplus on revaluation of property and equipment - net of tax

• Movement in surplus on revaluation of non-banking assets - nel of ax

- Total other comprehensive income - net of tax

(394,S49)

(88,420)

(16,200)

(499.169)

Transfer to statutory reserve

236,895

(236,895)

Transfer from surplus on revaluation ol assets to unappropriated profit - net of tax

(20,084)

20,077

Transfer from surplus on revaluation of non-banking asset to unappropriated profit on disposal -net of tax

313

(313)

Balance as at 31 December 2024 (audited)

11,024,636

6,313,315

1,682,958

2,539,867

63,799

9,185,171

30,809,746

Impact of adoption of IFRS 9 - net of tax

316,466

17,565

334,051

11,02*,63D

6,313,305

1,999,#2*

2,5J0,O67

03,799

9,202,756

31,143,797

Profit after taxation for the nine months ended 30 September 2025

3,303,t08

3,303,800

Other comprahencive income • net of tax

• Movement in surplus on revaluation of investments in debl instrument - net of tax

• Gain on sab of debt instruments carried at FVOCI redassified to profit and loss - net of tax

• Movement in surgks on revaluation of investments in equity instruments - net of tax

- Total other comprehensive income - net of tax

725,S65

725,565

Transfer to statutory reserve

fifi0,I82

Transfer from surplus on revaluation of assets to unappropñated profit -net of tax

(74,203)

(320)

7A,52J

Transaction with ownem recorded directly in equity

Final cash dividend for the year ended 31 December 2024 at Rs 1.75 per share

(1,929,312)

(1,929,312)

Balance as at 30 September 2025 (un• audited)

11,024,636

6,974 077

2 724 969

2 465,664 „

63,¥79

9,991,013

33,243,858

-

(368,066

(32,105

-

-

(368,066)

(32,105)

5,622

5,622

(16,200

(16,200)

(94,288

(94,288)

5,868

5,868

1,124,610

1,12*,610

(5S0,16d

191,119

191,119

CASH FLOWS FROM OPERATING ACTIVITIES

(Restated)

Profit before taxation

9,604,361

9,733,534

Less: dividend income

(140,847)

(113,386)

9,463,514

9,620,148

Adjustments:

Net mark-up / interest income (excluding financial charges on lease liability)

(21,947,787)

(19,488,333)

Depreciation

29

1,324,820

961,311

Depreciation on right-of-use assets

29

947,216

769,728

Depreciation on non-banking assets

29

12,129

10,639

Amortisation

29

153,609

117,275

Finance charge on lease liability against right-of-use assets

25

950,666

651,968

Gain on termination of lease

28

(1,797)

(2,445)

Credit loss allowance and write offs - net

32

77,970

(192,036)

Gain on sale of property and equipment - net

28

(25,216)

(40,012)

Gain on sale of non-banking assets - net

28

(1,741)

Workers welfare fund

192,121

198,644

Charge for defined benefit plan

169,000

125,407

Staff loan - notional cost

538,879

481,860

Unrealised gain on revaluation of investments measured at FVPL

27

(75,212)

(199,101)

(17,683,602)

(16,606,836)

(Increase) / decrease in operating assets

(8,220,088)

(6,986,688)

Lendings to financial institutions

2,100,000

(5,940,737)

Securities measured at FVPL

10,000,024

(11,622,135)

Advances

47,492,634

6,245,178

Others assets (excluding advance taxation and mark-up receivable)

3,626,226

48,127,555

63,218,884

36,809,861

Increase / (decrease) in operating liabilities

Bills payable

(6,405,473)

(2,384,166)

Borrowings from financial institutions

378,608

(10,603,398)

Deposits

85,982,306

62,171,982

Other liabilities (excluding mark-up payable)

(1,145,172)

7,705,935

78,810,269

56,890,353

Mark-up / interest received

59,721,603

78,736,345

Mark-up / interest paid

(45,139,6d7)

(68,766,154)

Income tax paid

(7,020,378)

(6,987,204)

Net cash flow generated from operating activities

141,370,643

89,696,513

CASH FLOWS FROM INVESTING ACTIVITIES

Net investments in securities measured at FVOCI

(128,157,502)

(64,440,658)

Net investments in amortized cost securities

4,704,447

(7,554,245)

Dividends received

140,847

113,386

Investments in property and equipment

(3,903,040)

(5,405,009)

Investments in intangible assets

(123,098)

Proceeds from sale of non-banking assets

175,000

Proceeds from sale of property and equipment

28,524

43,971

Net cash flow used in investing activities

(127,309,822)

(77,067,555)

CASH FLOWS FROM FINANCING ACTIVITIES

Payments of subordinated debt

(800)

(800)

Payments of lease obligations against right-of-use assets

(1,645,399)

(1,379,800)

Dividend paid

(1,908,501}

(4,617,082)

Net cash flow used in financing activities

(3,554,700)

(5,997,682)

Increase in cash and cash equivalents

10,506,121

6,631,276

Movement of ECL on cash and cash equivalents

(160)

(1,165)

Cash and cash equivalents at the beginning of the period

47,192,820

43,740,403

Cash and cash equivalents at end of the period

35

57,698,781

50,370,514