Askari Bank Limited (AKBL) Financial Statements, Ratios & Dividends
About
Askari Bank Ltd. engages in the provision of banking and financial services. It operates through the following segments: Branch Banking, Corporate Banking, Treasury, Consumer Banking, Islamic Banking, Foreign Operations, and Head Office and Others. The Branch Banking segment consists of loans, deposits, and other banking services to commercial, small and medium enterprise, agriculture and individual customers, as well as branchless banking services. The Corporate Banking segment includes deposits, project financing, trade financing and working capital to corporate and commercial customers of the bank. The Treasury segment covers money market activities, foreign exchange business and short-term lending's and borrowings from counterparties. The Consumer Banking segment offers secured and unsecured loans to retail customers. The Islamic Banking segment focuses on banking services to its customers in compliance with Shariah rules and directives, instructions, and guidelines issued by SBP. The Foreign Operations segment refers to the banking activities performed by Wholesale Bank Branch of the Bank in the Kingdom of Bahrain. The Head Office and Others segment represents activities not performed by any of above segments. The company was founded on October 9, 1991 and is headquartered in Islamabad, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 319.79B | 416.07B | |
| Net Income | 22.86B | 21.14B | |
| EPS | 15.77 | 14.58 | |
| ROE | 16.68% | 19.28% | |
| ROA | 0.85% | 0.91% | |
| Net Margin | 21.47% | 26.94% | |
| Current Ratio | 0.09 | 0.12 | |
| DPS | 5.00 | 3.00 | |
| Free Cash Flow | -7.18B | 60.69B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Interest Income | 301.94B | 402.09B | |
| Total Interest Expense | -213.31B | -337.60B | |
| Net Interest Income | 88.63B | 64.48B | |
| Loan Loss Provision | -1.65B | 951.03M | |
| Net Interest Income after LLP | 86.98B | 65.43B | |
| Non-Interest Income | 17.85B | 13.98B | |
| Commissions & Fees | 8.37B | 7.55B | |
| Foreign Exchange Income | 4.30B | 4.08B | |
| Non-Interest Expense | -50.81B | -34.62B | |
| Labor & Personnel | -23.29B | -17.41B | |
| Total Revenue | 319.79B | 416.07B | |
| Operating Income | 54.02B | 44.79B | |
| Pre-Tax Income | 53.65B | 44.87B | |
| Income Tax | -30.63B | -23.61B | |
| Minority Interest | -164.10M | -118.86M | |
| Net Income | 22.86B | 21.14B | |
| EPS (Basic) | 15.77 | 14.58 | |
| EPS (Diluted) | 15.77 | 14.58 | |
| Non-Interest Income / Revenue | 16.76% | 17.82% | |
| Operating Margin | 50.74% | 57.09% | |
| Net Margin | 21.47% | 26.94% | |
| Pre-Tax Margin | 16.78% | 10.78% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Regulatory Capital | |||
| CET1 Ratio | 16.74% | 17.00% | |
| Tier 1 Capital Ratio | 17.50% | 17.97% | |
| Tier 2 Capital Ratio | 4.36% | 3.53% | |
| Total Capital Ratio | 21.86% | 21.50% | |
| Tier 1 Capital | 125.03B | 112.07B | |
| Risk-Weighted Assets | 714.37B | 623.81B | |
| Asset Quality | |||
| Non-Performing Loans | 66.18B | 66.71B | |
| NPL Ratio (NPL/Gross Loans) | 0.10% | 0.09% | |
| Loan Loss Coverage | 0.45% | 1.18% | |
| NPL / Loan Loss Reserve | 1.72 | 1.79 | |
| Reserve / Gross Loans | 0.06% | 0.05% | |
| Profitability | |||
| Return on Equity (ROE) | 16.68% | 19.28% | |
| Return on Assets (ROA) | 0.85% | 0.91% | |
| Operating Margin | 50.74% | 57.09% | |
| Net Margin | 21.47% | 26.94% | |
| Yield on Earning Assets | 12.41% | 19.84% | |
| Interest Income / Deposits | 6.03% | 4.93% | |
| Deposit & Loan Structure | |||
| Deposits / Total Assets | 0.55% | 0.54% | |
| Loans / Deposits (ADR) | 0.41% | 0.56% | |
| Loans / Total Assets | 0.23% | 0.30% | |
| Equity / Deposits | 0.10% | 0.09% | |
| Cash / Deposits | 1.34% | 1.22% | |
| CASA Ratio | 0.31% | 0.29% | |
| Per Share | |||
| Book Value Per Share | 104.96 | 84.14 | |
| Tangible Book Per Share | 103.43 | 82.86 | |
| Shares & Market | |||
| Total Shares Outstanding | 1,449,299,207 | 1,449,299,207 | |
| Market Cap | 145.74B | 55.46B | |
| Enterprise Value | 1.09T | 836.68B | |
| Employees | 9,419 | 8,384 | |
| Shareholders | 15,509 | 15,509 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 5.00 | 3.00 | |
| Dividend Yield | 4.97% | 7.84% | |
| Payout Ratio | 31.70% | 20.57% | |
| Total Dividends Paid | -9.00B | -3.59B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 6.38 | 2.62 | |
| P/B Ratio | 0.96 | 0.45 | |
| P/S Ratio | 1.37 | 0.71 | |
| P/CF Ratio | — | 0.86 | |
| Market Cap | 145.74B | 55.46B | |
| Enterprise Value | 1.09T | 836.68B |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 335.03B | |
| Operating Income | 53.64B | |
| Net Income | 25.50B | |
| Free Cash Flow | 15.43B | |
| EPS (Basic) | 17.60 | |
| Margins | ||
| Operating Margin | 47.11% | |
| Net Margin | 22.40% | |
| Returns | ||
| Return on Equity (ROE) | 17.70% | |
| ROIC | 0.11% | |
| Coverage & Debt | ||
| Dividend Coverage | 3.25 | |
| Debt / Revenue | 3.48 | |
| Valuation & Scores | ||
| P/E (TTM) | 5.95 | |
| Sloan Ratio | 14.57 | |
| Zmijewski Score | 1.04 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 16.68% | |
| Return on Tangible Equity | 16.93% | |
| Return on Tangible Assets | 0.85% | |
| Return on Total Capital | 4.83% | |
| ROCE | 13.68% | |
| Growth | ||
| EPS Diluted Growth | 0.08% | |
| Sustainable Growth Rate | 11.39% | |
| Quality & Risk Scores | ||
| Zmijewski Score | 1.01 | |
| Sloan Ratio | 14.46 | |
| Valuation (Computed) | ||
| Graham Number | 193.00 | |
| Tobin's Q Ratio | 0.05 | |
| Leverage & Coverage | ||
| Total Debt / Capital | 0.87% | |
| Assets / Equity (Leverage) | 19.05 | |
| Effective Interest Rate | 11.73% | |
| Debt / Revenue | 3.28 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 8.46 | |
| Dividends (Computed) | ||
| Dividend Coverage | 3.71 | |
| Share Buyback Ratio | 0.00 | |
| Per Employee | ||
| Revenue / Employee | 11.30M | |
| Net Income / Employee | 2.43M | |
| Oper. Income / Employee | 5.74M | |
| Total Assets / Employee | 307.62M | |
| Balance Sheet (Computed) | ||
| Earnings Schedule | ||
| Next Earnings Date | 3 Mar 2027 | |
| Next Fiscal Period | 2026 | |