Amana Bank 1H PBT surpasses Rs. 1.5b

AMANA Bank said Profit Before Tax (PBT) surpassed the Rs. 1.5 billion mark in the first half of 2025, reflecting a 14% year-on-year (YoY) increase. Profit After Tax (PAT) also rose by 18% YoY to Rs. 901.3 million.

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For the second quarter alone, PBT grew by 29% to Rs. 798.6 million, while PAT surged by 37% to Rs. 467.2 million.

Net Financing Income for the first half of 2025 grew by 8% to Rs. 3.8 billion, supported by a healthy financing margin of 4%. A similar growth trend was recorded in 2Q 2025 n with Net Financing Income amounting to Rs. 1.89 billion. The bank’s Net Fee and Commission Income recorded strong growth, increasing by 59% to Rs. 370.2 million in 2Q and by 30% to Rs. 674.6 million in H1 2025. This contributed to Total Operating Income rising to Rs. 2.35 billion in 2Q and Rs. 4.73 billion in 1H, translating to a growth of 14% and 7% respectively.

Fuelled by enhanced portfolio quality, improved operating environment and proactive customer engagement, the bank said it achieved a 59% YoY reduction in Impairment Charges, resulting in a 12% increase in Net Operating Income to Rs. 4.59 billion in 1H 2025. Maintaining a cost-to-income ratio of 52%, the bank went on to record a 16% growth in Operating Profit before all taxes to close at Rs. 2.1 billion. The bank’s aggregate tax contribution of Rs. 1.21 billion accounted for a significant 57% of the bank’s Operating Profit before all Taxes.