BAFL 1HCY26 profit jumps 40%

CONSOLIDATED STATEMENT OF PROFIT OR LOSS FOR THE HALF YEAR ENDED JUNE 30, 2026 (Rs.000)

Description

2026

2025

change %

Mark-up / return / interest earned

173,709,018

188,398,347

-7.8%

Mark-up / return / interest expensed

(102,896,023)

(120,947,512)

-14.9%

Net mark-up / return / interest income

70,812,995

67,450,835

5.0%

Fee and commission income

8,303,540

7,807,361

6.4%

Dividend income

1,196,467

1,410,510

-15.2%

Foreign exchange income

7,102,422

5,351,308

32.7%

Income from derivatives

582,449

388,566

49.9%

Gain on securities

17,868,144

8,005,619

123.2%

Share of (loss) / profit from associates

(40,764)

714,974

Other income

140,210

869,337

-83.9%

Total non-mark-up / interest income

35,152,468

24,547,675

43.2%

Total Income

105,965,463

91,998,510

15.2%

Operating expenses

(60,636,023)

(56,122,936)

8.0%

Workers' welfare fund

(1,033,758)

(821,570)

25.8%

Other charges

(17,357)

(9,557)

81.6%

Total non-mark-up / interest expenses

(61,687,138)

(56,954,063)

8.3%

Profit before credit loss allowance / provisions

44,278,325

35,044,447

26.3%

Reversal of / (charge) against credit loss allowance / provisions - net

579,353

(896,645)

-164.6%

Profit before taxation from continuing operations

44,857,678

34,147,802

31.4%

Taxation

(23,720,212)

(19,004,909)

24.8%

Profit after taxation from continuing operations

21,137,466

15,142,893

39.6%

Loss from discontinued operations - net of tax

-

(83,517)

Profit after taxation

21,137,466

15,059,376

40.4%

Earnings per share

6.70

4.77

40.5%