BAFL Bank Alfalah Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 55.65 -0.22%
Annual · FY2006 – FY2025
Bank Alfalah Limited (BAFL) cash flow statement
Operating activities generated Rs 464.9 bn of cash in FY2025 (Jan – Dec 2025). Capital expenditure was Rs 13.6 bn. Dividends paid to shareholders came to Rs 15.7 bn. Overall, cash increased by Rs 21.9 bn.
| Rs bn | FY2025 * Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 * Jan – Dec 2023 | FY2022 * Jan – Dec 2022 | FY2021 * Jan – Dec 2021 |
|---|---|---|---|---|---|
| Net cash from operating activities | 464.9 | (325.4) | 351.3 | 350.4 | 200.3 |
| Capital expenditure | (13.6) | (19.8) | (12.8) | (8.7) | (3.9) |
| Net cash from investing activities | (136.1) | 88.4 | (682.7) | (414.5) | (242.8) |
| Dividends paid | (15.7) | (23.2) | (7.3) | (3.4) | (7.1) |
| Net cash from financing activities | (306.9) | 222.4 | 393.4 | 115.2 | 58.7 |
| Net change in cash | 21.9 | (16.6) | 42.5 | 39.2 | 21.5 |
| Rs mn | FY2025 * Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 * Jan – Dec 2023 | FY2022 * Jan – Dec 2022 | FY2021 * Jan – Dec 2021 |
|---|---|---|---|---|---|
| Net cash from operating activities | — | -192.6% | +0.3% | +74.9% | — |
| Capital expenditure | -31.2% | +54.8% | +46.7% | +125.2% | +7.7% |
| Net cash from investing activities | -253.9% | — | — | — | — |
| Dividends paid | -32.3% | +219.0% | +115.1% | -52.3% | +0.4% |
| Net cash from financing activities | -238.0% | -43.5% | +241.5% | +96.2% | -70.9% |
| Net change in cash | — | -139.1% | +8.3% | +82.0% | — |
Change against the previous fiscal year; shown when the earlier figure is positive.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.
All reported line items 69
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 |
|---|---|---|---|---|---|
| Profit/(Loss) - Starting Line - Cash Flow | 62.0 | 85.2 | 78.7 | 36.7 | 23.9 |
| Non-cash Items & Reconciliation Adjustments - Cash Flow | (121.2) | (115.9) | 19.5 | 19.2 | 8.4 |
| Discontinued Operations - Gain/(Loss) - Net of Tax - Cash Flow - to Reconcile | 0.0 | — | — | — | — |
| Equity Income/(Loss) in Net Earnings - Cash Flow - to Reconcile | (1.3) | (1.2) | (1.7) | (0.7) | (0.6) |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | (132.9) | (119.7) | 4.1 | 2.7 | 2.1 |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 11.1 | 9.1 | 7.2 | 5.8 | 4.8 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 10.7 | 8.7 | 6.9 | 5.4 | 4.4 |
| Amortization - Intangible Assets & Deferred Charges - Cash Flow - to Reconcile | 0.4 | 0.4 | 0.3 | 0.4 | 0.4 |
| Loan Loss Provision including Impairment - Increase/(Decrease) - Cash Flow | 3.3 | 0.3 | 10.5 | 8.9 | 1.9 |
| Impairment - Financial Fixed Assets - Operating - Cash Flow - to Reconcile | — | — | (1.0) | 2.5 | (0.2) |
| Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile | (0.1) | (0.1) | (0.1) | (0.1) | (0.1) |
| Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow | (0.1) | (0.1) | (0.1) | (0.1) | (0.1) |
| Financial Assets - Unrealized Gain/(Loss) - Cash Flow - to Reconcile | (1.3) | (4.2) | 0.4 | 0.0 | 0.4 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 39.7 | 59.0 | 42.3 | 17.0 | 8.3 |
| Interest Paid - Cash | 221.8 | 381.5 | — | — | — |
| Interest & Dividends - Received - Total - Cash Flow | 373.7 | 501.8 | 1.0 | 1.1 | 0.6 |
| Cash Flow from Operating Activities before Changes in Working Capital | 52.9 | 30.6 | 57.0 | 40.0 | 24.5 |
| Working Capital - Increase/(Decrease) - Cash Flow | 412.0 | (356.0) | 294.3 | 310.4 | 175.8 |
| Other Assets - Decrease/(Increase) - Cash Flow | (30.6) | (9.3) | (54.2) | (26.4) | (12.2) |
| Lending & Deposits - Due from Banks - Long-Term - Decrease/(Increase) - Cash Flow | 84.6 | (12.1) | (12.5) | (60.1) | 47.9 |
| Investment Securities - Decrease/(Increase) - Operating - Cash Flow | (33.4) | 8.8 | (266.5) | 87.6 | (30.6) |
| Loans - Customer - Decrease/(Increase) - Cash Flow | 2.0 | (417.0) | (13.2) | (67.4) | (98.0) |
| Other Liabilities - Increase/(Decrease) -Total - Cash Flow | 30.1 | 22.4 | 42.5 | 28.9 | 11.4 |
| Deposits - Increase/(Decrease) - Total - Cash Flow | 359.3 | 51.2 | 598.1 | 347.8 | 257.3 |
| Net Cash Flow from Operating Activities | 464.9 | (325.4) | 351.3 | 350.4 | 200.3 |
| Capital Expenditures - Net - Cash Flow | 13.5 | 19.3 | 12.6 | 8.3 | 3.8 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 13.5 | 19.3 | 12.6 | 8.3 | 3.8 |
| Property, Plant & Equipment - Purchased - Cash Flow | 13.6 | 19.8 | 12.8 | 8.7 | 3.9 |
| Property, Plant & Equipment Sold - Cash Flow | 0.2 | 0.5 | 0.2 | 0.4 | 0.1 |
| Capital Expenditures - Total | 13.6 | 19.8 | 12.8 | 8.7 | 3.9 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | (123.7) | 109.0 | (673.9) | (408.8) | (239.9) |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | (123.7) | 109.0 | (673.9) | (408.8) | (239.9) |
| Investments - Associated Companies & Joint Ventures - Sold/(Purchased) - Cash Flow | 0.4 | 0.4 | 0.3 | 0.1 | — |
| Other Investing Cash Flow - Decrease/(Increase) | 0.7 | (1.8) | 3.5 | 2.5 | 0.9 |
| Net Cash Flow from Investing Activities | (136.1) | 88.4 | (682.7) | (414.5) | (242.8) |
| Dividends Paid - Cash - Total - Cash Flow | 15.7 | 23.2 | 7.3 | 3.4 | 7.1 |
| Dividends - Common - Cash Paid | 15.7 | 23.2 | 7.3 | 3.4 | 7.1 |
| Stock - Total - Issuance/(Retirement) - Net - Cash Flow | — | — | — | — | — |
| Stock - Issuance/(Retirement) - Net - Excluding Options/Warrants - Cash Flow | — | — | — | — | — |
| Stock - Common - Issuance/(Retirement) - Net - Cash Flow | — | — | — | — | — |
| Stock - Common - Issued/Sold - Cash Flow | — | — | — | — | — |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | (291.2) | 245.6 | 400.7 | 124.6 | 65.8 |
| Debt - Issued/(Reduced) - Long-Term & Short-Term - Cash Flow | (299.6) | 236.0 | 419.8 | 104.3 | 68.8 |
| Debt - Issued/(Reduced) - Short-Term - Total - Cash Flow | 15.2 | 15.8 | (14.0) | 17.2 | 0.3 |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (6.8) | (6.1) | (5.1) | 3.2 | (3.3) |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (6.8) | (6.1) | (5.1) | (3.8) | (3.3) |
| Debt - Issued - Long-Term - Cash Flow | — | — | — | 7.0 | — |
| Debt - Reduced - Long-Term - Cash Flow | 6.8 | 6.1 | 5.1 | 3.8 | 3.3 |
| Lease liabilities - Reduced - Cash flow represents cash outflow due to the repayment of lease liability/debt of the company. It includes finance leases, capitalized lease, and hire-purchase agreement. Applicable to all industries. If Lease liability issue | 6.8 | 6.1 | 5.1 | 3.8 | 3.3 |
| Other Financing Cash Flow - Increase/(Decrease) | 0.0 | (0.0) | 0.0 | (6.0) | — |
| Net Cash Flow from Financing Activities | (306.9) | 222.4 | 393.4 | 115.2 | 58.7 |
| Net Cash Flow from Discontinued Operations - Total | (1.4) | — | — | — | — |
| Non-Classified Cash Flows | (0.0) | (0.0) | — | — | — |
| Foreign Exchange Effects - Cash Flow | 1.4 | (1.9) | (19.5) | (11.9) | 5.4 |
| Net Change in Cash - Total | 21.9 | (16.6) | 42.5 | 39.2 | 21.5 |
| Net Cash from Continuing Operations | 23.4 | (16.6) | 42.5 | 39.2 | 21.5 |
| Net Cash from Discontinued Operations | (1.4) | — | — | — | — |
| Net Cash - Beginning Balance | 231.8 | 249.8 | 205.4 | 146.7 | 113.2 |
| Net Cash - Ending Balance | 253.7 | 233.2 | 247.9 | 185.9 | 134.8 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 39.7 | 59.0 | 42.3 | 17.0 | 8.3 |
| Interest Paid - Cash Flow - Supplemental | 221.8 | 381.5 | — | — | — |
| Interest & Dividends - Received - Cash Flow - Supplemental | 373.7 | 501.8 | 1.0 | 1.1 | 0.6 |
| CF from Optg Activities before Change in WC & Int Payments | 274.8 | 412.2 | 57.0 | 40.0 | 24.5 |
| Cash Dividends Paid & Common Stock Buyback - Net | — | — | — | — | — |
| Common Stock Buyback - Net | — | — | — | — | — |
| Depreciation, Depletion & Amortization - Cash Flow | 11.1 | 9.1 | 7.2 | 5.8 | 4.8 |
| Free Cash Flow to Equity | 160.3 | (99.1) | 739.4 | 466.7 | 262.3 |
| Free Cash Flow Net of Dividends | 435.6 | (368.4) | 331.2 | 338.3 | 189.3 |
| Free Cash Flow | 451.3 | (345.2) | 338.5 | 341.7 | 196.4 |
Every line the company reported, in the original order and wording, without regrouping or signs changed.