BankIslami Posts PKR 8.95 Billion PBT in 1H 2025, Announces 15% Interim Dividend; Recognized as Pakistan’s Best Islamic Bank
Karachi, August 2025 – BankIslami Pakistan Limited, one of the country’s fastest-growing Islamic financial institutions, reported a profit before tax (PBT) of PKR 8.95 billion for the first half of 2025. The Bank also declared an interim dividend of PKR 1.50 per share (15%), reinforcing its resilience and ongoing transformation into a digitally driven, regionally competitive institution.
Despite a challenging macroeconomic environment, BankIslami’s non-funded income surged by over 90%. While total income contracted by 4.9% amid lower policy rates and tighter spreads, the decline remained modest compared to industry peers. Operating expenses rose 47%, reflecting the Bank’s strategic investments in network expansion, digital infrastructure, and the acquisition of its new 32-storey Karachi headquarters.
Strong Deposits & Record CASA
Deposits grew 12.7%, supported by a 37.9% increase in current accounts, boosting the CASA ratio to an all-time high of 70%. The Capital Adequacy Ratio (CAR) stood at 19.37%, well above regulatory requirements, while the Asset-to-Deposit Ratio remained stable at 43.3%. Delinquent financing declined 8% to PKR 22.3 billion, though the infection ratio edged up from 7.4% to 8.2% due to a smaller financing base.
Global Recognition & Digital Leadership
BankIslami’s commitment to Riba-free banking continued to earn global acclaim. The Bank was named Pakistan’s Best Islamic Bank 2025 by Euromoney and received the Pakistan Digital Award for its “Saving Humanity from Riba” social media campaign.
Commenting on the results, Rizwan Ata, President & CEO of BankIslami, stated:
“Our strong first-half performance underscores the resilience of our business model and the dedication of our teams. Beyond financial growth, our purpose remains deeply rooted in our mission of Saving Humanity from Riba. As we move forward, we are committed to innovation, customer experience, and staying true to our values.”
Earlier this year, the Bank launched aik, Pakistan’s first fully digital Islamic banking platform. Designed for tech-savvy customers, aik is reshaping Islamic digital finance and placing BankIslami at the forefront of industry transformation.
Expanding Footprint
With over 550 branches in 210+ cities, BankIslami continues to expand across retail, cash management, investment banking, trade finance, and remittances. The Bank’s focus remains on enhancing customer experience while driving its mission of inclusive, Shariah-compliant financial solutions.
About BankIslami
BankIslami Pakistan Limited, a subsidiary of JS Bank and part of the JS Group, operates one of Pakistan’s largest Islamic commercial banking networks. As the first Islamic commercial bank licensed under the Islamic Banking Policy of 2003, BankIslami is a pioneer in Shariah-compliant retail, investment, and trade finance. The Bank continues to lead innovation and inclusivity in Islamic finance through its nationwide presence and cutting-edge digital platforms.
For more information, please visit: www.bankislami.com.pk
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