BankIslami boasts stable growth in H1 2025, reports PKR 8.9 billion pre-tax profit

Karachi, August 21, 2025. BankIslami, one of Pakistan’s fastest-growing Islamic financial institutions, reported a profit before tax (PBT) of PKR 8.95 billion for the first half of 2025 and announced an interim dividend of PKR 1.50 per share (15%) as it continues to transform into a digital and regionally competitive institution.
BankIslami’s Non-Funded income surged by over 90%, despite declining policy rates and compressed spreads. While total income contracted by 4.9%, the decline was modest compared with industry trends. Operating expenses rose 47%, reflecting strategic investments in branch network expansion, digital infrastructure, and the acquisition of the 32-storey tower in Karachi, set to become the bank’s new headquarters.
Deposits grew by 12.7%, driven by a 37.9% increase in current accounts, pushing the CASA ratio to a record 70%. The Capital Adequacy Ratio stood at 19.37%, comfortably above regulatory requirements, while the Asset-to-Deposit Ratio remained healthy at 43.3%. Delinquent financing declined by 8% to PKR 22.3 billion, though the infection ratio inched up from 7.4 to 8.2% due to a smaller financing base.
The Bank’s commitment to Riba-free banking earned global recognition in the period under review. BankIslami was named Pakistan’s Best Islamic Bank by Euromoney and received the Pakistan Digital Award for Best Social Media Campaign for its “Saving Humanity from Riba” initiative.
Commenting on BankIslami’s performance, President & CEO, Rizwan Ata, commented, “BankIslami’s 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”.
Earlier this year, BankIslami launched aik – Pakistan’s first Islamic Digital Banking experience. This initiative is poised to lead the way in the digital transformation of Islamic finance by establishing a dedicated, fully digital division offering Riba-free financial products for a modern, tech-savvy clientele.
BankIslami currently operates over 550 branches and offers a comprehensive suite of Shariah-compliant banking products to its customers. The Bank continues to strengthen its presence across high-impact areas, including Digital Banking, Cash Management, Investment Banking, Trade, and Home Remittance, further enhancing customer experience and service delivery. It remains focused on executing its strategy of sustainable growth through prudent financial management and customer-centric innovation.