Askari Bank reports higher CY25 earnings

MG News | February 09, 2026 at 03:33 PM GMT+05:00

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February 09, 2026 (MLN): Askari Bank Limited (PSX: AKBL) reported a profit after tax of Rs23.02 billion for the year ended December 31, 2025, marked an 8.32% YoY increase compared to Rs21.26bn in CY24. Earnings per share (EPS) improved to Rs15.77, up from Rs14.58 last year.

The bank announced a final cash dividend of Rs1.75 per share (17.5%), in addition to interim cash dividends of Rs3.25 per share (32.5%), taking the total cash payout for CY25 to Rs5.00 per share.

Total non-markup / interest income increased 16.41% YoY to Rs18.66bn, driven by broad-based growth across income streams.

Fee and commission income rose 12.29% to Rs8.48bn, while foreign exchange income increased 5.41% to Rs4.30bn.

Gains on securities surged 51.36% YoY to Rs4.35bn, providing a notable boost to non-markup income. Dividend income edged up 11.77% to Rs0.93bn, though its overall contribution remained modest.

As a result, total income climbed 33.48% YoY to Rs106.36bn, reflecting improved income diversification despite pressure on core spreads.

On the expense side, operating expenses increased sharply by 39.61% YoY to Rs50.25bn, while workers’ welfare fund charges rose 12.64% to Rs0.62bn.

Consequently, total non-markup / interest expenses grew 39.0% YoY to Rs50.89bn, partially offsetting income growth.

Profit before credit loss allowance improved 28.79% YoY to Rs55.47bn.

Credit loss allowance remained contained at Rs1.82bn, reflecting stable asset quality during the year.

Following these movements, profit before taxation increased 19.57% YoY to Rs53.65bn.

Taxation rose 29.71% to Rs30.63bn, bringing profit after tax to Rs23.02bn for CY25.

Statement of profit and loss for the year ended December 31, 2025 (in Rupees '000)
Description	2025	2024	Change (%)
Mark-up / return / interest earned	301,016,908	401,257,754	-24.98%
Mark-up / return / interest expensed	(213,312,584)	(337,603,215)	-36.82%
Net mark-up / interest income	87,704,324	63,654,539	37.78%
Fee and commission income	8,481,761	7,553,247	12.29%
Dividend income	926,523	828,952	11.77%
Foreign exchange income	4,299,632	4,079,139	5.41%
Gain on securities	4,351,691	2,875,039	51.36%
Other income	598,721	692,012	-13.48%
Total non-markup / interest income	18,658,328	16,028,389	16.41%
Total Income (Net Sales equivalent)	106,362,652	79,682,928	33.48%
Operating expenses	(50,248,087)	(35,990,556)	39.61%
Workers' welfare fund	(619,794)	(550,236)	12.64%
Other charges	(23,526)	(72,041)	-67.34%
Total non-markup / interest expenses	(50,891,407)	(36,612,833)	39.00%
Profit before credit loss allowance	55,471,245	43,070,095	28.79%
Credit loss allowance / (reversal) - net	(1,818,787)	1,799,385
Profit before taxation	53,652,458	44,869,480	19.57%
Taxation	(30,627,546)	(23,612,925)	29.71%
Profit after taxation	23,024,912	21,256,555	8.32%
Basic and diluted earnings per share (Rs.)	15.77	14.58	8.16%

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