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Afrin
Afrin
Dec 12 2025
26- PAT increases 55% to Rs. 279 b
The banking industry expanded its balance sheet in the nine months to end-September 2025, with total assets increasing to Rs. 24.5 trillion and Profit After Tax (PAT) rising to Rs. 279 billion, according to Central Bank data.
The sector added Rs. 3.3 trillion in assets compared with a year earlier, driven by loan growth and higher investments. Net loans and receivables increased to Rs. 12.1 trillion from Rs. 10.2 trillion, while investments rose to Rs. 9.7 trillion from Rs. 8.1 trillion. Cash balances edged up to Rs. 1.87 trillion, and other assets declined to Rs. 587 billion.
Deposits reached Rs. 19.7 trillion at end-September, up from Rs. 17.4 trillion a year earlier. Borrowings increased to Rs. 1.6 trillion from Rs. 1.3 trillion, and other liabilities rose to Rs. 916 billion. Equity and reserves increased to Rs. 2.3 trillion from Rs. 1.9 trillion.
Net interest income rose to Rs. 754.2 billion from Rs. 616.4 billion. Non-interest income increased to Rs. 203.1 billion from Rs. 141.1 billion. Operating expenses were Rs. 356 billion compared with Rs. 320 billion. Impairment charges declined to Rs. 45 billion from Rs. 65 billion.
Profit After Tax rose to Rs. 279 billion from Rs. 180 billion. Return on equity increased to 17.5% from 13.3%, while return on assets rose to 2.5% from 1.9%.
The non-performing loans ratio declined to 11.2% from 12.4%. Liquid assets to total assets stood at 36%, and the rupee liquidity coverage ratio was 298.8% compared with 345% a year ago. All-currency LCR was 260% versus 284%. The credit-to-deposit ratio was 66.9%, up from 64.9%.
The regulatory capital ratio was 18.4%, slightly below 18.5% a year earlier. Tier 1 capital stood at 15.1%, compared with 14.8% last year.
Source : DailyFT
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