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Foreign currency reserves hit $20b Pakistan's total liquid foreign exchange reserves rose to $20.03 billion as of July 4, 2025, a 39-month high, according to data released by the State Bank of Pakistan (SBP) on Thursday. The increase was driven by a significant boost to the central bank holdings. The SBP's foreign reserves surged $1.77 billion during the week, reaching $14.50 billion, primarily due to official inflows. Meanwhile, commercial banks' net reserves stood at $5.53 billion. "SBP's reserves rose to $14.5 billion in June 2025 – a 39-month high," said Arif Habib Limited (AHL). After reaching the peak of $15 billion in March 2022, the reserves experienced a considerable decline, hitting the low of $2.9 billion in January 2023 amidst a period of economic uncertainty and balance of payments challenges, according to data compiled by AHL. However, a gradual but consistent recovery began around mid-2023, with reserves steadily increasing from a low point of...
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Earnings to increase by 31%YoY 4QFY25E: We expect AKD Cement Universe profitability to increase by 31%YoY to PkR19.8bn in 4QFY25E, compared to PkR15.1bn in SPLY. Topline is expected to improve by 7%YoY to PkR115bn, driven by 17%YoY increase in avg. domestic cement prices and a 2%YoY rise in total offtakes, though partially offset by a higher export proportion in sales mix, rising to 23% from 21% in SPLY. Additionally, gross margins are expected to improve by 4.1ppts to 34.0%, primarily due to i) higher retention prices, ii) declining coal prices, and iii) lower grid electricity rates.   Declining finance cost to uplift FCCL/MLCF earnings: We expect FCCL, MLCF, CHCC, KOHC and PIOC to post earnings growth of 2.8x/72%/2.2x/5.0%/0.6% YoY during 4QFY25, reaching PkR1.4/2.5/9.5/13.6/6.0 per share, respectively. Meanwhile, DGKC is projected to report a turnaround with earnings of PkR1.9bn (EPS: PkR4.4) in 4QFY25, compared to a loss of PkR1.7bn (LPS: PkR3.9) in SPLY. This recovery is suppo...
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LESSON 1: STANDARD 1: PROFESSIONALISM Knowledge of the Law B. Independence and Objectivity c. Misrepresentation D. Misconduct LOS 3a: Demonstrate the application of the Code of Ethics and Standards of Professional Conduct to situations involving issues of professional integrity. vol 1, pp 55-208 LOS 3b: Distinguish between conduct that conforms to the Code and Standards and conduct that violates the Code and Standards. vol 1, pp 55-208 LOS 3c: Recommend practices and procedures designed to prevent violations of the Code of Ethics and Standards of Professional Conduct.vol 1, pp 55-208 Standard I(A): Knowledge of the Law The Standard Members and candidates must understand and comply with all applicable laws, rules, and regulations (including the CFA Institute Code of Ethics and Standards of Professional Conduct) of any government, regulatory organization, licensing agency, or professional association governing their profe...
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