{"id":79404,"date":"2025-08-22T10:44:04","date_gmt":"2025-08-22T05:44:04","guid":{"rendered":"https:\/\/bankislami.com.pk\/?p=79404"},"modified":"2025-08-26T10:47:27","modified_gmt":"2025-08-26T05:47:27","slug":"bankislami-posts-pkr-8-95-billion-pbt-in-h1-2025","status":"publish","type":"post","link":"https:\/\/bankislami.com.pk\/ur\/bankislami-posts-pkr-8-95-billion-pbt-in-h1-2025\/","title":{"rendered":"BankIslami Posts PKR 8.95 Billion PBT in H1 2025"},"content":{"rendered":"<p>BankIslami, one of Pakistan\u2019s fastest-growing Islamic financial institutions, reported a <strong>profit before tax (PBT) of PKR 8.95 billion <\/strong>for the first half of 2025 and announced an interim dividend of <strong>PKR 1.50 per share (15%)<\/strong>\u00a0as it continues to transform into a digital and regionally competitive institution.<\/p>\n<p>BankIslami\u2019s <strong>Non-Funded income surged by over 90%<\/strong>, despite declining policy rates and compressed spreads. While <strong>total income contracted by 4.9%,<\/strong>\u00a0the decline was modest compared with industry trends. <strong>Operating expenses rose 47%,<\/strong>\u00a0reflecting strategic investments in branch network expansion, digital infrastructure, and the acquisition of the 32-storey tower in Karachi, set to become the bank\u2019s new headquarters.<\/p>\n<p><strong>Deposits grew by 12.7%,<\/strong>\u00a0driven by a <strong>37.9% increase in current accounts<\/strong>, pushing the <strong>CASA<\/strong>\u00a0ratio to a <strong>record 70%.<\/strong>\u00a0The <strong>Capital Adequacy Ratio stood at 19.37%<\/strong>, comfortably above regulatory requirements, while the <strong>Asset-to-Deposit Ratio remained healthy at 43.3%<\/strong>. <strong>Delinquent financing declined by 8% to PKR 22.3 billion,<\/strong>\u00a0though the <strong>infection ratio inched up from 7.4 to 8.2%<\/strong>\u00a0due to a smaller financing base.<\/p>\n<p>The Bank\u2019s commitment to Riba-free banking earned global recognition in the period under review. BankIslami was named Pakistan\u2019s Best Islamic Bank by Euromoney and received the Pakistan Digital Award for Best Social Media Campaign for its \u201cSaving Humanity from Riba\u201d initiative.<\/p>\n<p>Commenting on BankIslami\u2019s performance, President &amp; CEO, Rizwan Ata, commented,<em>\u00a0\u201cBankIslami\u2019s 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\u201d.<\/em><\/p>\n<p>Earlier this year, BankIslami launched aik, Pakistan\u2019s first fully digital Islamic banking platform. Designed for a modern, tech-savvy clientele, aik is redefining Islamic digital finance and positioning the Bank at the forefront of digital transformation.<\/p>\n<p>With a nationwide network of over 550 branches, BankIslami offers a comprehensive suite of Shariah-compliant products and services. The Bank continues to expand across retail, cash management, investment banking, trade, and home remittances, with a strong focus on enhancing customer experience and its mission of \u2018Saving Humanity\u00a0from\u00a0Riba\u2019.<\/p>","protected":false},"excerpt":{"rendered":"<p>BankIslami, one of Pakistan\u2019s 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%)\u00a0as it continues to transform into a digital and regionally competitive institution. BankIslami\u2019s Non-Funded income surged by over 90%, despite declining&#8230;<\/p>","protected":false},"author":3,"featured_media":79405,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41],"tags":[],"class_list":["post-79404","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-updates"],"_links":{"self":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/posts\/79404","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/comments?post=79404"}],"version-history":[{"count":1,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/posts\/79404\/revisions"}],"predecessor-version":[{"id":79406,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/posts\/79404\/revisions\/79406"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/media\/79405"}],"wp:attachment":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/media?parent=79404"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/categories?post=79404"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/tags?post=79404"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}