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% |