<ul><li><span style="font-family:Arial, Helvetica, sans-serif;font-size:medium;">2QCY25 EPS: PKR 5.3. 2QCY25 PAT down 1%YoY. 1HCY25 EPS: PKR
11.1; 1HCY25 PAT up 0.4% over the SPLY. In addition, the Bank also announced an
interim cash dividend of PKR 2.5/sh. taking YTD payout to PKR 5.0/sh.</span></li></ul><ul><li><span style="font-family:Arial, Helvetica, sans-serif;font-size:medium;">Net Interest Income (NII): Up 17%YoY/down 1%QoQ. We
attribute the same to uptick in spreads on the back of the benefit of the
re-pricing lag between assets and liabilities as interest rates were cut -
likely to normalize in the coming quarters.</span></li></ul><ul><li><span style="font-family:Arial, Helvetica, sans-serif;font-size:medium;">Non-Markup Income (NMI): Up 10%YoY/15%QoQ. Largely due to
hefty capital gains i.e. PKR 1.2Bn booked during the qua...
