BAFL Bank Alfalah Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 55.65 -0.22%
Quarterly · Q3 FY2021 – Q2 FY2026
Bank Alfalah Limited (BAFL) quarterly cash flow statement
Operating activities generated Rs 75.3 bn of cash in Q2 FY2026 (Apr – Jun 2026), down 77.9% on Q2 FY2025. Capital expenditure was Rs 3.2 bn. Dividends paid to shareholders came to Rs 6.8 bn. Overall, cash decreased by Rs 13.6 bn.
| Rs bn | TTM to Jun 2026 | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 | Q2 FY2024 Apr – Jun 2024 | Q1 FY2024 Jan – Mar 2024 | Q4 FY2023 Oct – Dec 2023 | Q3 FY2023 Jul – Sep 2023 | Q2 FY2023 Apr – Jun 2023 | Q1 FY2023 * Jan – Mar 2023 | Q4 FY2022 Oct – Dec 2022 | Q3 FY2022 * Jul – Sep 2022 | Q2 FY2022 * Apr – Jun 2022 | Q1 FY2022 Jan – Mar 2022 | Q4 FY2021 Oct – Dec 2021 | Q3 FY2021 * Jul – Sep 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | 155.8 | 75.3 | 36.8 | 192.5 | (148.8) | 341.2 | 79.9 | (374.3) | 50.7 | (79.6) | 77.8 | (100.8) | 158.6 | 375.5 | (81.9) | 106.6 | 119.7 | 69.4 | 54.6 | 81.1 | 15.2 |
| Capital expenditure | (11.0) | (3.2) | (1.9) | (3.0) | (2.9) | (3.8) | (4.0) | (3.4) | (3.5) | (4.9) | (8.0) | (3.5) | (4.8) | (2.8) | (1.7) | (2.1) | (1.6) | (1.6) | (3.4) | (1.9) | (0.8) |
| Net cash from investing activities | (486.2) | (868.3) | 713.4 | (420.1) | 88.7 | 164.7 | 30.5 | (49.1) | 32.1 | (133.6) | 239.0 | (303.3) | (112.2) | (214.6) | (52.7) | (42.4) | (190.3) | (62.9) | (118.8) | (99.7) | 35.1 |
| Dividends paid | (14.6) | (6.8) | (0.0) | (3.9) | (3.9) | (6.3) | (1.6) | (3.1) | (4.6) | (8.9) | (6.6) | (0.2) | (4.9) | (0.3) | (1.9) | (0.0) | (1.9) | (1.5) | (0.0) | (2.3) | (1.2) |
| Net cash from financing activities | 319.1 | 779.9 | (721.5) | 224.6 | 36.1 | (467.2) | (100.5) | 433.5 | (147.2) | 276.5 | (340.4) | 405.7 | (18.4) | (160.0) | 165.7 | (32.3) | 63.7 | 21.1 | 62.7 | 42.0 | (78.0) |
| Net change in cash | (13.3) | (13.6) | 28.3 | (3.2) | (24.7) | 39.3 | 10.5 | 9.7 | (64.0) | 63.0 | (25.2) | 2.6 | 27.0 | 0.1 | 12.3 | 32.3 | (12.2) | 22.3 | (3.2) | 25.2 | (23.4) |
| Rs mn | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 | Q2 FY2024 Apr – Jun 2024 | Q1 FY2024 Jan – Mar 2024 | Q4 FY2023 Oct – Dec 2023 | Q3 FY2023 Jul – Sep 2023 | Q2 FY2023 Apr – Jun 2023 | Q1 FY2023 * Jan – Mar 2023 | Q4 FY2022 Oct – Dec 2022 | Q3 FY2022 * Jul – Sep 2022 | Q2 FY2022 * Apr – Jun 2022 | Q1 FY2022 Jan – Mar 2022 | Q4 FY2021 Oct – Dec 2021 | Q3 FY2021 * Jul – Sep 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | -77.9% | -54.0% | — | -393.4% | — | +2.7% | — | -68.0% | -121.2% | — | -194.6% | +32.4% | +440.8% | -250.0% | +31.5% | +689.8% | -20.7% | +231.1% | — | -67.8% |
| Capital expenditure | -15.0% | -51.7% | -12.6% | -17.7% | -21.9% | -50.6% | -2.4% | -26.8% | +74.8% | +362.6% | +64.6% | +202.0% | +75.8% | -49.5% | +13.4% | +99.5% | +173.2% | +445.0% | +111.8% | -44.7% |
| Net cash from investing activities | -627.1% | +2,236.8% | — | +176.3% | — | -87.2% | — | — | — | — | — | — | — | — | — | -642.4% | — | -784.0% | -40,162.9% | — |
| Dividends paid | +8.3% | -99.9% | +24.6% | -15.6% | -29.1% | -75.7% | +1,544.0% | -6.1% | +3,292.2% | +249.9% | +6,709.4% | +164.4% | -82.1% | +4,125.1% | -99.9% | +55.8% | — | -98.8% | -33.9% | +43,553.3% |
| Net cash from financing activities | — | — | -48.2% | — | -269.0% | — | +6.9% | — | — | -305.5% | — | -128.9% | -858.1% | +164.1% | -177.0% | — | -83.3% | — | -45.5% | -930.6% |
| Net change in cash | -134.6% | +169.6% | -133.4% | — | -37.6% | — | +279.7% | -337.1% | +46,968.1% | -304.8% | -92.1% | — | -99.4% | — | +28.1% | — | +12.7% | — | +251.9% | — |
Change against the same quarter a year earlier; shown when the earlier figure is positive.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. TTM = the latest four quarters added together. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.
All reported line items 65
| Rs bn | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 | Q2 FY2024 Apr – Jun 2024 | Q1 FY2024 Jan – Mar 2024 | Q4 FY2023 Oct – Dec 2023 | Q3 FY2023 Jul – Sep 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profit/(Loss) - Starting Line - Cash Flow | 21.6 | 23.3 | 14.0 | 13.8 | 18.6 | 15.6 | 16.8 | 26.1 | 22.6 | 19.8 | 25.2 | 17.3 |
| Non-cash Items & Reconciliation Adjustments - Cash Flow | (32.6) | (29.6) | (31.9) | (31.3) | (29.0) | (28.9) | (55.5) | 73.6 | (121.3) | (12.7) | 3.3 | 6.1 |
| Discontinued Operations - Gain/(Loss) - Net of Tax - Cash Flow - to Reconcile | — | — | 0.0 | 0.0 | — | — | — | — | — | — | — | — |
| Equity Income/(Loss) in Net Earnings - Cash Flow - to Reconcile | 0.0 | 0.0 | (0.1) | (0.5) | (0.5) | (0.3) | (0.2) | (0.4) | (0.4) | (0.3) | (0.7) | (0.5) |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | (34.9) | (33.0) | (34.5) | (34.7) | (32.1) | (31.7) | (27.9) | (32.5) | (30.7) | (29.0) | 1.4 | 0.7 |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 3.0 | 3.0 | 2.9 | 2.8 | 2.7 | 2.6 | 2.5 | 2.3 | 3.1 | 1.1 | 2.0 | 1.8 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 2.9 | 2.9 | 2.8 | 2.7 | 2.6 | 2.5 | 2.4 | 2.2 | 3.0 | 1.0 | 1.9 | 1.8 |
| Amortization - Intangible Assets & Deferred Charges - Cash Flow - to Reconcile | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan Loss Provision including Impairment - Increase/(Decrease) - Cash Flow | 0.8 | (1.4) | 1.4 | 1.1 | 1.4 | (0.5) | 0.1 | 0.4 | 0.3 | 0.2 | 0.7 | 4.5 |
| Impairment - Financial Fixed Assets - Operating - Cash Flow - to Reconcile | — | — | — | — | — | — | — | — | (0.4) | (0.1) | (0.4) | (0.1) |
| Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (29.2) | 106.9 | (92.4) | 14.5 | (0.0) | (0.1) |
| Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.1) | (0.0) | (0.0) | (0.1) |
| Financial Assets - Unrealized Gain/(Loss) - Cash Flow - to Reconcile | (1.6) | 1.8 | (1.5) | (0.1) | (0.6) | 0.8 | (0.7) | (3.2) | (0.9) | 0.7 | 0.3 | (0.3) |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 15.6 | 10.9 | 11.2 | 8.8 | 7.8 | 11.9 | 19.2 | 14.2 | 13.0 | 12.5 | 18.2 | 10.3 |
| Investment Securities - Gain/(Loss) - Cash Flow | — | — | — | — | — | — | (29.2) | 106.9 | (92.3) | 14.6 | — | — |
| Interest Paid - Cash | 61.4 | 45.5 | 43.1 | 40.5 | 65.3 | 72.8 | 97.5 | 96.8 | 85.0 | 102.2 | — | — |
| Interest & Dividends - Received - Total - Cash Flow | 109.6 | 74.5 | 96.1 | 71.0 | 117.5 | 89.2 | 139.0 | 115.0 | 140.4 | 107.4 | 0.4 | 0.2 |
| Cash Flow from Operating Activities before Changes in Working Capital | 21.5 | 11.8 | 23.9 | 4.1 | 33.9 | (8.9) | (16.4) | 103.6 | (56.3) | (0.2) | 10.6 | 13.4 |
| Working Capital - Increase/(Decrease) - Cash Flow | 53.7 | 25.0 | 168.6 | (152.8) | 307.4 | 88.8 | (357.9) | (52.9) | (23.3) | 78.0 | (111.4) | 145.2 |
| Other Assets - Decrease/(Increase) - Cash Flow | 8.2 | 12.0 | (22.3) | 13.2 | (13.9) | (7.5) | 13.5 | (13.8) | (8.0) | (1.1) | 14.1 | (29.2) |
| Lending & Deposits - Due from Banks - Long-Term - Decrease/(Increase) - Cash Flow | 78.0 | (122.7) | 16.1 | 71.2 | (11.9) | 9.2 | (83.7) | 5.7 | (18.9) | 84.8 | (60.7) | (19.2) |
| Investment Securities - Decrease/(Increase) - Operating - Cash Flow | (142.0) | 101.7 | (102.6) | (90.4) | 191.3 | (31.7) | 8.8 | 0.0 | 0.0 | 0.0 | (241.8) | 43.9 |
| Loans - Customer - Decrease/(Increase) - Cash Flow | (84.8) | 81.7 | (76.5) | (20.1) | (131.2) | 229.9 | (289.6) | (84.2) | (67.0) | 23.7 | (70.2) | 89.7 |
| Other Liabilities - Increase/(Decrease) -Total - Cash Flow | 6.9 | (23.4) | 24.8 | (5.3) | 3.1 | 7.5 | (7.4) | 4.7 | 12.0 | 13.2 | (16.4) | 14.7 |
| Deposits - Increase/(Decrease) - Total - Cash Flow | 187.3 | (24.4) | 329.1 | (121.3) | 270.0 | (118.5) | 0.5 | 34.6 | 58.6 | (42.6) | 263.6 | 45.4 |
| Net Cash Flow from Operating Activities | 75.3 | 36.8 | 192.5 | (148.8) | 341.2 | 79.9 | (374.3) | 50.7 | (79.6) | 77.8 | (100.8) | 158.6 |
| Capital Expenditures - Net - Cash Flow | 2.9 | 1.9 | 2.9 | 2.8 | 3.8 | 3.9 | 3.3 | 3.5 | 4.8 | 7.8 | 3.4 | 4.7 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 2.9 | 1.9 | 2.9 | 2.8 | 3.8 | 3.9 | 3.3 | 3.5 | 4.8 | 7.8 | 3.4 | 4.7 |
| Property, Plant & Equipment - Purchased - Cash Flow | 3.2 | 1.9 | 3.0 | 2.9 | 3.8 | 4.0 | 3.4 | 3.5 | 4.9 | 8.0 | 3.5 | 4.8 |
| Property, Plant & Equipment Sold - Cash Flow | 0.3 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.1 | 0.3 | 0.1 | 0.1 |
| Capital Expenditures - Total | 3.2 | 1.9 | 3.0 | 2.9 | 3.8 | 4.0 | 3.4 | 3.5 | 4.9 | 8.0 | 3.5 | 4.8 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | (865.2) | 715.3 | (418.1) | 91.7 | 168.2 | 34.5 | (46.1) | 35.9 | (128.0) | 247.3 | (299.2) | (107.3) |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | (865.2) | 715.3 | (418.1) | 91.7 | 168.2 | 34.5 | (46.1) | 35.9 | (128.0) | 247.3 | (299.2) | (107.3) |
| Investments - Associated Companies & Joint Ventures - Sold/(Purchased) - Cash Flow | — | — | 0.0 | 0.4 | — | — | 0.2 | 0.0 | 0.1 | 0.1 | 0.1 | 0.0 |
| Other Investing Cash Flow - Decrease/(Increase) | (0.1) | (0.0) | 0.9 | (0.5) | 0.3 | (0.0) | 0.2 | (0.3) | (0.9) | (0.7) | (0.8) | (0.1) |
| Net Cash Flow from Investing Activities | (868.3) | 713.4 | (420.1) | 88.7 | 164.7 | 30.5 | (49.1) | 32.1 | (133.6) | 239.0 | (303.3) | (112.2) |
| Dividends Paid - Cash - Total - Cash Flow | 6.8 | 0.0 | 3.9 | 3.9 | 6.3 | 1.6 | 3.1 | 4.6 | 8.9 | 6.6 | 0.2 | 4.9 |
| Dividends - Common - Cash Paid | 6.8 | 0.0 | 3.9 | 3.9 | 6.3 | 1.6 | 3.1 | 4.6 | 8.9 | 6.6 | 0.2 | 4.9 |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | 768.6 | (721.5) | 228.5 | 40.1 | (460.9) | (98.9) | 436.6 | (142.5) | 285.3 | (333.9) | 405.9 | (13.5) |
| Debt - Issued/(Reduced) - Long-Term & Short-Term - Cash Flow | 708.2 | (702.8) | 212.8 | 63.5 | (491.4) | (84.6) | 421.8 | (129.9) | 272.5 | (328.5) | 402.7 | (1.8) |
| Debt - Issued/(Reduced) - Short-Term - Total - Cash Flow | 62.4 | (17.1) | 17.5 | (21.7) | 32.3 | (12.9) | 16.6 | (11.0) | 14.5 | (4.3) | 4.5 | (10.4) |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (2.0) | (1.6) | (1.8) | (1.8) | (1.8) | (1.4) | (1.8) | (1.6) | (1.6) | (1.1) | (1.3) | (1.3) |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (2.0) | (1.6) | (1.8) | (1.8) | (1.8) | (1.4) | (1.8) | (1.6) | (1.6) | (1.1) | (1.3) | (1.3) |
| Debt - Reduced - Long-Term - Cash Flow | 2.0 | 1.6 | 1.8 | 1.8 | 1.8 | 1.4 | 1.8 | 1.6 | 1.6 | 1.1 | 1.3 | 1.3 |
| 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 | 2.0 | 1.6 | 1.8 | 1.8 | 1.8 | 1.4 | 1.8 | 1.6 | 1.6 | 1.1 | 1.3 | 1.3 |
| Other Financing Cash Flow - Increase/(Decrease) | 18.0 | — | — | — | — | — | 0.0 | 0.0 | (0.0) | — | 0.0 | — |
| Net Cash Flow from Financing Activities | 779.9 | (721.5) | 224.6 | 36.1 | (467.2) | (100.5) | 433.5 | (147.2) | 276.5 | (340.4) | 405.7 | (18.4) |
| Net Cash Flow from Discontinued Operations - Investing Activities | — | — | — | (0.4) | 0.4 | — | — | — | — | — | — | — |
| Net Cash Flow from Discontinued Operations - Other | — | — | — | 0.0 | (1.4) | — | — | — | — | — | — | — |
| Net Cash Flow from Discontinued Operations - Total | — | — | 0.0 | (0.4) | (1.1) | — | — | — | — | — | — | — |
| Non-Classified Cash Flows | 0.0 | (0.0) | 0.0 | (0.1) | (0.0) | 0.0 | (0.0) | — | — | — | — | — |
| Foreign Exchange Effects - Cash Flow | (0.5) | (0.4) | (0.3) | (0.4) | 1.6 | 0.5 | (0.4) | 0.3 | (0.2) | (1.6) | 1.0 | (1.0) |
| Net Change in Cash - Total | (13.6) | 28.3 | (3.2) | (24.7) | 39.3 | 10.5 | 9.7 | (64.0) | 63.0 | (25.2) | 2.6 | 27.0 |
| Net Cash from Continuing Operations | (13.6) | 28.3 | (3.3) | (24.2) | 40.4 | 10.5 | 9.7 | (64.0) | 63.0 | (25.2) | 2.6 | 27.0 |
| Net Cash from Discontinued Operations | — | — | 0.0 | (0.4) | (1.1) | — | — | — | — | — | — | — |
| Net Cash - Beginning Balance | 282.8 | 254.1 | 256.9 | 281.3 | 241.6 | 232.8 | 223.6 | 287.2 | 222.6 | 249.5 | 245.3 | 219.5 |
| Net Cash - Ending Balance | 269.2 | 282.3 | 253.7 | 256.6 | 280.9 | 243.2 | 233.2 | 223.1 | 285.6 | 224.3 | 247.9 | 246.5 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 15.6 | 10.9 | 11.2 | 8.8 | 7.8 | 11.9 | 19.2 | 14.2 | 13.0 | 12.5 | 18.2 | 10.3 |
| Interest Paid - Cash Flow - Supplemental | 61.4 | 45.5 | 43.1 | 40.5 | 65.3 | 72.8 | 97.5 | 96.8 | 85.0 | 102.2 | — | — |
| Interest & Dividends - Received - Cash Flow - Supplemental | 109.6 | 74.5 | 96.1 | 71.0 | 117.5 | 89.2 | 139.0 | 115.0 | 140.4 | 107.4 | 0.4 | 0.2 |
| CF from Optg Activities before Change in WC & Int Payments | 82.9 | 57.3 | 67.0 | 44.6 | 99.2 | 63.9 | 81.1 | 200.4 | 28.7 | 102.0 | 10.6 | 13.4 |
| Depreciation, Depletion & Amortization - Cash Flow | 3.0 | 3.0 | 2.9 | 2.8 | 2.7 | 2.6 | 2.5 | 2.3 | 3.1 | 1.1 | 2.0 | 1.8 |
| Free Cash Flow to Equity | 841.0 | (686.6) | 418.1 | (111.5) | (123.5) | (22.9) | 59.1 | (95.3) | 200.9 | (263.8) | 301.6 | 140.4 |
| Free Cash Flow Net of Dividends | 65.2 | 34.9 | 185.6 | (155.6) | 331.1 | 74.4 | (380.8) | 42.6 | (93.4) | 63.2 | (104.5) | 148.8 |
| Free Cash Flow | 72.0 | 34.9 | 189.6 | (151.6) | 337.4 | 76.0 | (377.7) | 47.2 | (84.5) | 69.8 | (104.3) | 153.8 |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 12 periods; the table above goes back further.