BankIslami Pakistan Limited
By PSX Investors Zone · Updated October 21, 2026
BankIslami Pakistan Limited (PSX: BIPL) is a Pakistani Islamic commercial bank offering Shariah-based banking and investment services. Explore its financial performance, dividend history, Shariah-related disclosures and important PSX regulatory risk notices.
Company Overview
BankIslami Pakistan Limited (PSX: BIPL) is a Pakistani Islamic commercial bank established to conduct banking activities in accordance with the principles of Islamic Shariah. The company was incorporated on 18 October 2004, and the State Bank of Pakistan (SBP) granted it a Scheduled Islamic Commercial Bank licence on 18 March 2005.
The bank provides corporate, commercial, consumer and retail banking services, along with investment-related activities. Its operations include Shariah-based financial products and services for individuals and businesses.
Official sources: PSX company profile | BankIslami official website | Investor relations and reports
Business Activities
BankIslami operates in Pakistan’s Islamic banking sector. Its activities include:
- Corporate and commercial banking
- Consumer and retail banking
- Shariah-based financing and deposit products
- Investment activities
- Digital banking and customer services
Bank performance can be affected by financing growth, deposit mobilisation, the cost of funds, credit quality, taxation, regulatory requirements and changes in the wider economy.
Financial Performance
Annual results
The PSX company profile reports the following annual figures:
| Financial measure | FY2025 | FY2024 |
|---|---|---|
| Total income | Rs. 45.166 billion | Rs. 50.977 billion |
| Profit after taxation | Rs. 6.003 billion | Rs. 11.834 billion |
| Earnings per share (EPS) | Rs. 5.41 | Rs. 10.67 |
| Net profit margin | 8.09% | 10.49% |
Source: PSX BIPL financials. Figures are based on the financial information displayed on the PSX page; consult the audited annual report for the complete statements and notes.
Half-year results — six months ended 30 June 2026
The bank’s published half-year results report the following consolidated figures:
| Financial measure | H1 2026 | H1 2025 |
|---|---|---|
| Total income | Rs. 20.536 billion | Rs. 23.419 billion |
| Profit after taxation | Rs. 2.029 billion | Rs. 4.409 billion |
| EPS | Rs. 1.83 | Rs. 3.98 |
Source: BankIslami investor relations and published half-year results.
These results show that reported consolidated income and profit were lower year-on-year in the first half of 2026. Investors should review the full report, including financing income, expenses, taxation, credit-loss provisions and other income, to understand the reasons.
Dividend History
According to the bank’s published financial and corporate announcements:
- FY2025: The board proposed a final cash dividend of Rs. 1.25 per share, subject to shareholder approval, in addition to the Rs. 1.50 interim dividend. The stated total for 2025 was Rs. 2.75 per share.
- H1 2026: An interim cash dividend of Rs. 1.50 per share was announced.
Sources: BankIslami investor relations | PSX BIPL announcements.
Dividend announcements and proposed payouts are not the same as guaranteed future income. Check official notices for approval, entitlement dates and payment status.
Shariah-Related Information
BankIslami is established as an Islamic commercial bank and conducts its banking activities according to Islamic Shariah principles. BIPL also appears on PSX’s List of Compliant Companies Requiring Shariah Disclosures in Financial Statements, dated 24 December 2025.
Important distinction: This disclosure list is not, by itself, proof of inclusion in every current Shariah-compliant equity index. Before presenting BIPL as currently eligible under your stock-screening methodology, verify it against the latest official screening or index list your website uses.
References:
Important PSX Risk Warning
PSX currently displays a Risk Warning Alert for BankIslami Pakistan Limited. The notice states that the company is in continuous violation of clauses 5.11.1 or 5.11.2 of PSX regulations and carries a risk of trading suspension or delisting, subject to the Exchange’s terms and conditions.
This is a material regulatory disclosure. Investors should review the latest PSX notices and determine whether the issue has been resolved before making any investment decision. The warning should remain clearly visible on this company profile until its status is verified as changed.
Official source: PSX — BankIslami Pakistan Limited.
Key Factors to Monitor
- Profitability: Track total income, profit after tax, EPS and margins.
- Financing and credit quality: Review financing growth, non-performing exposures and credit-loss provisions in published reports.
- Deposits and funding costs: Changes in the funding mix and the cost of deposits may affect earnings.
- Regulatory developments: Monitor PSX and SBP announcements, especially the current Risk Warning Alert.
- Dividends: Verify official board recommendations, approvals and payment announcements.
- Shariah-related status: Check the latest official screening or index list used by your platform before describing the stock as eligible.
Frequently Asked Questions
What is BankIslami Pakistan Limited’s PSX symbol?
Its Pakistan Stock Exchange symbol is BIPL.
When was BankIslami established?
It was incorporated on 18 October 2004. The SBP granted its Scheduled Islamic Commercial Bank licence on 18 March 2005.
What services does BankIslami provide?
The bank operates in corporate, commercial, consumer and retail banking, along with investment activities under Islamic banking principles.
What was BankIslami’s FY2025 profit after tax?
The PSX financial page reports profit after taxation of approximately Rs. 6.003 billion and EPS of Rs. 5.41 for FY2025.
Is BIPL currently Shariah-compliant for equity screening?
BIPL appears on the cited PSX Shariah-disclosure list, and it is an Islamic commercial bank. However, investors should confirm its inclusion in the latest official equity screening or index list before relying on a current stock-screening classification.
What is the major PSX risk disclosure?
PSX displays a Risk Warning Alert relating to continuous regulatory violations and possible trading suspension or delisting. Review the current PSX company page for updates.
Where can investors find official financial reports?
Use BankIslami Investor Relations and the PSX BIPL page.
Disclaimer
This profile is for educational and informational purposes only. It is not a recommendation to buy, sell or hold BIPL shares, and it does not promise profits or returns. Investors should read official financial statements, current regulatory notices and the latest applicable Shariah screening information before making independent decisions.
This profile is for educational purposes and is not a recommendation to buy or sell any security.