BankIslami Profit falls by nearly 37% in half-year FY25

Consolidated Profit and Loss for the Half Year Ended June 30, 2025 (Rs '000')

Item / Material

Jun-25

Jun-24

%Change

Profit / return earned

38,897,762

59,030,167

-34.11%

Profit / return expensed

20,374,571

36,972,961

-44.89%

Net profit / return

18,523,191

22,057,206

-16.02%

Fee and commission income

1,782,824

1,089,721

63.60%

Dividend income

111,152

62,536

77.74%

Foreign exchange income

246,609

1,407,225

-82.48%

Income (Loss) from Shariah-compliant forward FX contracts

287,595

-445,883

Gain on securities – net

2,388,038

376,965

533.49%

Other income

79,905

78,442

1.87%

Total other income

4,896,123

2,569,006

90.58%

Total income

23,419,314

24,626,212

-4.90%

Operating expenses

15,012,616

10,202,128

47.15%

Workers welfare fund

182,779

281,444

-35.06%

Other charges

186,786

414

Total other expenses

15,382,181

10,483,986

46.72%

Profit before credit loss allowance

8,037,133

14,142,226

-43.17%

Credit loss allowance and write-offs – net

(919,045)

405,386

Profit before taxation

8,956,178

13,736,840

-34.80%

Taxation

4,547,171

6,699,954

-32.13%

Profit after taxation

4,409,007

7,036,886

-37.34%

Attributable to equity shareholders

4,409,007

7,036,886

-37.34%

Basic and diluted earnings per share (Rs)

3.9767

6.347

-37.35%