{"id":5716,"date":"2025-08-22T10:23:04","date_gmt":"2025-08-22T05:23:04","guid":{"rendered":"https:\/\/pkfin.kotenterprises.dev\/?p=5716"},"modified":"2025-08-22T10:23:04","modified_gmt":"2025-08-22T05:23:04","slug":"bankislami-reports-pkr-8-95-billion-profit-before-tax-for-h1-2025","status":"publish","type":"post","link":"https:\/\/pkfin.kotenterprises.dev\/?p=5716","title":{"rendered":"BankIslami Reports PKR 8.95 Billion Profit Before Tax for H1 2025"},"content":{"rendered":"

KARACHI:<\/em> BankIslami<\/a>, one of Pakistan\u2019s fastest-growing Islamic financial institutions, has reported a profit before tax (PBT) of PKR 8.95 billion for the first half of 2025, alongside the announcement of an interim dividend of PKR 1.50 per share (15%).<\/p>\n

The bank\u2019s non-funded income surged by over 90%<\/strong>, offsetting the impact of declining policy rates and compressed spreads. While total income contracted by 4.9%, the drop remained modest compared with industry trends.<\/p>\n

Operating expenses increased by 47%, driven by strategic investments<\/strong> in branch network expansion, digital infrastructure, and the acquisition of a 32-storey tower in Karachi, which will serve as the bank\u2019s new headquarters.<\/p>\n

On the deposits side, the bank posted 12.7% growth<\/strong>, fueled by a 37.9% rise in current accounts, lifting the CASA ratio to a record 70%<\/strong>. The Capital Adequacy Ratio<\/strong> stood at 19.37%, comfortably above regulatory requirements, while the Asset-to-Deposit Ratio<\/strong> remained stable at 43.3%.<\/p>\n

Delinquent financing declined by 8% to PKR 22.3 billion, though the infection ratio edged up from 7.4% to 8.2% due to a smaller financing base.<\/p>\n

During the review period, BankIslami\u2019s commitment to Riba-free banking won global recognition. The bank was named Pakistan\u2019s Best Islamic Bank by Euromoney<\/strong> and secured the Pakistan Digital Award<\/strong> for Best Social Media Campaign for its \u201cSaving Humanity from Riba\u201d initiative.<\/p>\n

Commenting on the performance, President & CEO Rizwan Ata said:<\/p>\n

\n

\u201cBankIslami\u2019s performance in the first half shows that we are ready to take on challenges and continue meeting the expectations of our customers. What drives us forward is not only our growth aspirations but our mission of Saving Humanity from Riba. Our teams have shown resilience in challenging times, and as we move ahead, we will stay true to our purpose and remain firm on our journey.\u201d<\/p>\n<\/blockquote>\n

Earlier this year, the bank launched aik \u2013 Pakistan\u2019s first Islamic Digital Banking<\/a> experience<\/strong>. The initiative is designed to spearhead the digital transformation of Islamic finance<\/a>, offering a dedicated, fully digital division with Shariah-compliant products tailored for tech-savvy customers.<\/p>\n

Currently, BankIslami operates a network of over 550 branches nationwide<\/strong>, providing a comprehensive range of Shariah-compliant financial solutions. The bank continues to strengthen its footprint across high-impact areas, including digital banking, cash management, investment banking, trade, and home remittance, with a focus on sustainable growth and customer-centric innovation.<\/p>\n","protected":false},"excerpt":{"rendered":"

KARACHI: BankIslami, one of Pakistan’s fastest-growing Islamic financial institutions, has reported a profit before tax (PBT) of PKR 8.95 billion for the first half of 2025, alongside the announcement of an interim dividend of PKR 1.50 per share (15%). The bank’s non-funded income surged by over 90%, offsetting the impact of declining policy rates and […]<\/p>\n","protected":false},"author":1,"featured_media":4711,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"_FSMCFIC_featured_image_caption":"","_FSMCFIC_featured_image_nocaption":"","_FSMCFIC_featured_image_hide":"","footnotes":""},"categories":[1299],"tags":[],"class_list":["post","format-standard"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t