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Commercial Banks

BAHL Bank AL Habib Limited

Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026

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Last close · 16 Oct 2026

Rs 151.48 +0.94%

Annual · FY2006 – FY2025

Bank AL Habib Limited (BAHL) balance sheet

At the end of FY2025 (Jan – Dec 2025) Bank AL Habib Limited had total assets of Rs 3.31 tn, down 0.4% on FY2024. Deposits were Rs 2.62 tn, up 14.3% on FY2024 and net advances Rs 756.6 bn. Investments stood at Rs 2.02 tn. Shareholders' equity was Rs 176.2 bn (Rs 158.50 per share), 5.3% of total assets.

BAHL balance sheet (annual) (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 * Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Assets
Cash & balances with banks 256.8 269.0 210.5 140.0 174.8
Lendings to financial institutions 0.2 0.5 0.2 12.3 2.4
Investments 2,016.0 1,918.3 1,498.5 1,153.3 818.1
Advances (net) 756.6 887.5 808.3 785.8 701.6
Fixed assets 99.6 89.8 79.6 62.1 55.7
Intangible assets 0.2 0.2 0.2 0.5 0.4
Other assets 83.3 74.6 55.5 67.3 64.1
Total assets 3,309.5 3,323.1 2,745.3 2,272.7 1,850.2
Liabilities
Deposits 2,617.6 2,290.7 1,944.4 1,577.8 1,317.7
Borrowings 396.9 762.2 569.9 508.1 360.2
Total liabilities 3,133.2 3,167.9 2,614.5 2,176.9 1,759.8
Equity
Share capital 11.1 11.1 11.1 11.1 11.1
Equity attributable to shareholders 176.2 155.0 130.7 95.6 90.3
Total equity 176.4 155.2 130.8 95.7 90.4
Total liabilities & equity 3,309.5 3,323.1 2,745.3 2,272.7 1,850.2
Key figures
Gross advances 804.0 936.0 834.8 803.6 714.6
Provision against advances 47.4 48.5 26.6 17.8 13.1
Advances to deposits (ADR) 0.29× 0.39× 0.42× 0.50× 0.53×
Shares outstanding mn 1,111.4 1,111.4 1,111.4 1,111.4 1,111.4
Common equity 176.2 155.0 130.7 95.6 90.3
Book value per share (Rs) Rs 158.50 139.50 117.55 86.05 81.24
BAHL balance sheet — year-on-year change (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 * Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Assets
Cash & balances with banks -4.5% +27.8% +50.4% -19.9% +24.9%
Lendings to financial institutions -61.2% +147.7% -98.3% +404.8% -82.0%
Investments +5.1% +28.0% +29.9% +41.0% +7.3%
Advances (net) -14.8% +9.8% +2.9% +12.0% +44.9%
Fixed assets +10.9% +12.8% +28.2% +11.5% +26.7%
Intangible assets -29.6% +11.4% -53.0% +27.7% +20.3%
Other assets +11.7% +34.3% -17.5% +5.0% +13.4%
Total assets -0.4% +21.1% +20.8% +22.8% +21.5%
Liabilities
Deposits +14.3% +17.8% +23.2% +19.7% +19.2%
Borrowings -47.9% +33.7% +12.2% +41.0% +34.3%
Total liabilities -1.1% +21.2% +20.1% +23.7% +22.0%
Equity
Share capital 0.0% 0.0% 0.0% 0.0% 0.0%
Equity attributable to shareholders +13.6% +18.7% +36.6% +5.9% +12.4%
Total equity +13.6% +18.7% +36.6% +5.9% +12.4%
Total liabilities & equity -0.4% +21.1% +20.8% +22.8% +21.5%
Key figures
Gross advances -14.1% +12.1% +3.9% +12.5% +43.8%
Provision against advances -2.2% +82.4% +49.2% +36.1% +3.5%
Advances to deposits (ADR) — — — — —
Shares outstanding — — — — —
Common equity +13.6% +18.7% +36.6% +5.9% +12.4%
Book value per share (Rs) +13.6% +18.7% +36.6% +5.9% +12.4%

Change against the previous fiscal year; shown when the earlier figure is positive.

BAHL balance sheet — common size (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 * Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Assets
Cash & balances with banks 7.8% 8.1% 7.7% 6.2% 9.4%
Lendings to financial institutions 0.0% 0.0% 0.0% 0.5% 0.1%
Investments 60.9% 57.7% 54.6% 50.7% 44.2%
Advances (net) 22.9% 26.7% 29.4% 34.6% 37.9%
Fixed assets 3.0% 2.7% 2.9% 2.7% 3.0%
Intangible assets 0.0% 0.0% 0.0% 0.0% 0.0%
Other assets 2.5% 2.2% 2.0% 3.0% 3.5%
Total assets 100.0% 100.0% 100.0% 100.0% 100.0%
Liabilities
Deposits 79.1% 68.9% 70.8% 69.4% 71.2%
Borrowings 12.0% 22.9% 20.8% 22.4% 19.5%
Total liabilities 94.7% 95.3% 95.2% 95.8% 95.1%
Equity
Share capital 0.3% 0.3% 0.4% 0.5% 0.6%
Equity attributable to shareholders 5.3% 4.7% 4.8% 4.2% 4.9%
Total equity 5.3% 4.7% 4.8% 4.2% 4.9%
Total liabilities & equity 100.0% 100.0% 100.0% 100.0% 100.0%
Key figures
Gross advances 24.3% 28.2% 30.4% 35.4% 38.6%
Provision against advances 1.4% 1.5% 1.0% 0.8% 0.7%
Common equity 5.3% 4.7% 4.8% 4.2% 4.9%

Each line as a percentage of total assets.

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 191
BAHL balance sheet — all reported line items (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Cash & Short-Term Deposits Due from Banks - Total 256.8 269.0 210.5 140.0 174.8
Cash & Short-Term Deposits Due from Banks 117.9 116.2 103.7 74.1 83.6
Funds with Central Banks 138.9 152.8 106.8 65.8 91.3
Lending & Long-Term Deposits Due from Banks 0.2 0.5 0.2 12.3 2.4
Inter-Bank Loans & Long-Term Deposits with Other Banks 0.2 0.5 0.2 12.3 2.4
Money Market Placements — — — — —
Collateralized Agreements, Reverse REPOs & Securities Borrowed - Assets — — — — —
Loans & Receivables - Total 837.3 962.2 892.4 829.1 723.1
Income Tax - Receivables 22.6 4.6 0.0 — —
Securities Purchased under REPOs & Federal Funds Sold — — — — —
Receivables - Other — — — 0.2 0.7
Securities Purchased under REPOs — — — — —
Investment Securities - Available for Sale, Held to Maturity & Held for Trading - Total 2,016.0 1,918.3 1,498.5 1,153.3 818.1
Derivative Financial Instruments - Hedging - Total 0.9 0.8 2.3 2.7 3.0
Banking Related Loans – Net 756.6 887.5 808.3 785.8 701.6
Investment Securities - Designated at Fair Value - Other 1,570.2 1,523.7 — — —
Loans - Gross 804.0 936.0 834.8 803.6 714.6
Loans - Consumer & Installment 605.0 759.3 691.2 656.9 583.7
Loans - Finance Lease & HP 19.6 31.1 27.1 29.5 25.5
Loans - Broker & Financial Institutions 24.5 38.9 1.6 15.6 20.1
Loans - to Customers - Other - Gross 155.0 106.6 114.9 101.7 85.4
Investments - Other - Total — — — — —
Loans - Foreign — — — — —
Loans - Held for Sale — — — — —
Investments - Total 2,016.0 1,918.3 1,498.5 1,153.3 818.1
Reserves for Loan Losses 47.4 48.5 26.6 17.8 13.1
Investment Securities - Held for Trading — — — 0.1 0.1
Interest Receivables - Bank 58.1 70.0 84.1 43.1 20.9
Investment Securities Available for Sale & Held to Maturity 445.9 394.6 1,498.5 1,153.2 818.0
Property, Plant & Equipment - Net - Total 99.6 89.8 79.6 62.1 55.7
Property, Plant & Equipment - Gross - Total 141.7 123.4 106.6 84.6 73.9
Property, Plant & Equipment - Accumulated Depreciation & Impairment - Total 42.1 33.7 27.0 22.5 18.2
Investment Securities - Available for Sale - Total — — 1,132.1 971.6 633.6
Mortgage Backed Securities - Available for Sale/Held to Maturity — — 9.2 30.7 30.1
Government Securities - Available for Sale/Held to Maturity — — 1,473.8 1,110.7 775.3
Other Assets - Total 83.3 74.6 55.5 67.3 64.1
Investments in Associates, Joint Ventures and Unconsolidated Subsidiaries 15.3 7.8 6.0 5.5 8.6
Deferred Tax - Asset - Long-Term & Short-Term 0.0 4.5 4.8 9.7 2.1
Prepaid Expenses - Total 15.9 13.4 3.4 1.6 1.2
Other Assets 67.4 56.7 47.3 56.0 60.8
Intangible Assets - Total - Net 0.2 0.2 0.2 0.5 0.4
Intangible Assets - excluding Goodwill - Net - Total 0.2 0.2 0.2 0.5 0.4
Intangible Assets - Gross - Total 2.6 2.5 2.3 2.3 1.9
Intangible Assets - excluding Goodwill - Gross 2.6 2.5 2.3 2.3 1.9
Intangible Assets - Accumulated Amortization & Impairment - Total 2.4 2.3 2.1 1.9 1.5
Intangible Assets - excluding Goodwill - Accumulated Amortization & Impairment - Total 2.4 2.3 2.1 1.9 1.5
Mortgage Servicing Rights - Net 0.1 0.1 0.1 0.1 0.1
Computer Software - Intangible Assets - Net 0.1 0.2 0.1 0.4 0.3
Intangible Assets - Other - Net 0.0 0.0 0.0 0.0 0.0
Mortgage Servicing Rights - Gross 0.1 0.1 0.1 0.1 0.1
Computer Software - Intangible Assets - Gross 2.5 2.4 2.2 2.2 1.8
Intangible Assets - Other - Gross - Total 0.0 0.0 0.0 0.0 0.0
Mortgage Servicing Rights - Accumulated Amortization & Impairment 0.0 0.0 0.0 0.0 0.0
Computer Software - Intangible Assets - Accumulated Amortization & Impairment 2.4 2.3 2.1 1.8 1.5
Intangible Assets - Other - Accumulated Amortization & Impairment 0.0 0.0 0.0 0.0 0.0
Total Assets 3,309.5 3,323.1 2,745.3 2,272.7 1,850.2
Deposits - Total 2,617.6 2,290.7 1,944.4 1,577.8 1,317.7
Debt - Total 396.9 762.2 569.9 508.1 360.2
Short-Term Debt & Current Portion of Long-Term Debt 305.3 663.3 452.8 411.0 275.6
Deposits - Customers - Total 2,523.6 2,210.0 1,881.2 1,524.2 1,283.0
Deposits - Demand -Customer 1,454.4 1,233.2 1,131.0 1,012.0 866.5
Deposits - Savings - Customer 1,014.2 922.6 691.0 453.6 379.0
Deposits - Other - Customer 55.0 54.2 59.3 58.6 37.6
Deposits - Due to Banks & Financial Institutions 94.0 80.6 63.2 53.6 34.6
Deposits - Demand Deposits - Due to Banks & Financial Institutions 81.6 57.0 47.1 30.8 22.2
Deposits - Savings - Due to Banks & Financial Institutions 12.4 23.6 16.1 22.8 12.4
Deposits - Other - Due to Banks & Financial Institutions 0.0 0.0 0.0 0.0 0.0
Current Portion of Long-Term Debt including Capitalized Leases 82.4 93.2 107.4 130.0 102.3
Capitalized Leases - Current Portion 1.5 1.3 1.1 — —
Short-Term Debt & Notes Payable 222.9 570.2 345.3 281.0 173.2
Debt - Long-Term - Total 91.7 98.8 117.2 97.1 84.7
Short-Term Banking Borrowings excluding Collateralized Financing 59.7 52.3 48.1 50.9 53.3
Collateralized Financing Agreements, REPO Financing Loans - Liabilities 163.1 517.9 297.2 230.2 119.9
Securities Sold under Repurchase Agreements & Federal Funds Purchased 163.1 517.9 297.2 230.2 119.9
Securities Sold under Repurchase Agreements 163.1 517.9 297.2 230.2 119.9
Current Portion of Long-Term Debt excluding Capitalized Leases 80.9 91.9 106.3 130.0 102.3
Capitalized Lease Obligations - Long-Term 19.3 15.6 13.3 14.2 12.2
Long-Term Debt excluding Capitalized Leases 72.3 83.2 103.9 82.9 72.5
Debt - Non-Convertible - Long-Term 72.3 83.2 103.9 82.9 72.5
Dividends Payable 1.4 1.1 0.9 0.6 0.5
Deferred Tax & Investment Tax Credits - Long-Term 1.5 — — — 0.0
Deferred Tax - Liability - Long-Term 1.5 — — — 0.0
Payables & Accrued Expenses 27.9 35.9 32.2 22.1 11.6
Accrued Expenses 15.8 14.5 12.1 8.5 7.1
Junior Subordinated Debentures & Notes Payable - Trust Account — — — — —
Other Liabilities - Total 86.6 76.0 56.0 67.3 68.9
Other Payables - Total 5.5 13.5 11.8 5.5 2.2
Other Liabilities - 74.4 66.1 51.9 65.1 66.3
Interest Payable 6.5 7.9 8.2 8.1 2.3
Provisions 8.4 6.8 2.4 1.5 1.1
Post Employment Benefits - Pension & Other 3.6 2.1 2.2 1.4 1.0
Derivative Liabilities - Hedging 1.3 2.1 2.5 1.1 0.8
Deferred Revenue/Income 3.8 3.0 1.7 0.7 1.4
Provisions - Other than Pension & Post Retirement 4.8 4.7 0.2 0.1 0.2
Total Liabilities 3,133.2 3,167.9 2,614.5 2,176.9 1,759.8
Shareholders' Equity - Attributable to Parent Shareholders - Total 176.2 155.0 130.7 95.6 90.3
Common Equity Attributable to Parent Shareholders 176.2 155.0 130.7 95.6 90.3
Common Equity - Contributed 11.1 11.1 11.1 11.1 11.1
Common Stock - Issued & Paid 11.1 11.1 11.1 11.1 11.1
Equity - Non-Contributed - Reserves & Retained Earnings 165.0 143.9 119.5 84.5 79.2
Retained Earnings - Total 130.1 117.1 96.4 78.5 69.7
Comprehensive Income - Accumulated - Total 34.4 26.3 22.6 5.5 8.9
Foreign Currency Translation Adjustment - Accumulated 4.8 4.7 4.8 4.6 2.5
Other Reserves/Equity - Total 0.5 0.5 0.5 0.5 0.5
Common Equity - Total 176.2 155.0 130.7 95.6 90.3
Minority Interest - Equity 0.2 0.2 0.1 0.1 0.1
Total Shareholders' Equity - including Minority Interest & Hybrid Debt 176.4 155.2 130.8 95.7 90.4
Total Liabilities & Equity 3,309.5 3,323.1 2,745.3 2,272.7 1,850.2
Revaluation Reserves 29.6 21.6 17.8 0.9 6.5
Common Shares - Issued - Total mn 1,111.4 1,111.4 1,111.4 1,111.4 1,111.4
Common Shares - Outstanding - Total mn 1,111.4 1,111.4 1,111.4 1,111.4 1,111.4
Common Shares - Treasury - Total mn 0.0 0.0 0.0 0.0 0.0
Common Shares - Authorized - Issue Specific mn 2,000.0 2,000.0 2,000.0 2,000.0 1,500.0
Common Shares - Issued - Issue Specific mn 1,111.4 1,111.4 1,111.4 1,111.4 1,111.4
Common Shares - Outstanding - Issue Specific mn 1,111.4 1,111.4 1,111.4 1,111.4 1,111.4
Common Shares - Treasury - Issue Specific mn 0.0 0.0 0.0 0.0 0.0
Asset Allocation Factor - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Right of Use Tangible Assets - Total - Net - Supplemental 16.9 13.7 12.0 — —
Right of Use Tangible Assets - Capital/Finance Lease - Net - Supplemental 16.9 13.7 12.0 — —
Right of Use Tangible Assets - Total - Gross - Supplemental 27.6 22.5 19.7 17.5 14.9
Right of Use Tangible Assets - Capital/Finance Lease - Gross - Supplemental 27.6 22.5 19.7 17.5 14.9
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Net - Supplemental 82.7 76.1 67.6 — —
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Gross - Supplemental 114.1 100.9 86.8 67.1 59.0
Finance and Operating Lease Liabilities - Total - Supplemental 20.9 16.9 14.4 14.2 12.2
Debt including Finance and Operating Lease Liabilities - Supplemental 396.9 762.2 569.9 508.1 360.2
Net Debt 140.1 493.2 359.4 368.1 185.4
Islamic Financing Assets - Total 155.0 103.6 114.1 101.3 85.2
Islamic Investments - Total — — — — —
Debt - Long-Term - Maturities - Total 235.4 607.1 364.0 182.8 302.2
Debt - Long-Term - Maturities - within 1 Year 189.1 549.9 290.1 100.0 229.8
Debt - Long-Term - Maturities - Year 2 11.7 12.9 13.5 13.3 9.5
Debt - Long-Term - Maturities - Year 3 10.2 12.1 12.7 13.4 10.6
Debt - Long-Term - Maturities - Year 5 16.6 17.3 22.0 23.9 19.7
Debt - Long-Term - Maturities - Year 10 — — — 32.1 32.3
Debt - Long-Term - Maturities - Remaining 7.8 15.0 25.7 0.1 0.3
Debt - Long-Term - Maturities - 2-3 Years 21.9 24.9 26.2 26.7 20.1
Capital Lease Maturities - Total 20.9 16.9 14.4 — —
Debt - Long-Term - Maturities - 4-5 Years 16.6 17.3 22.0 23.9 19.7
Capital Lease Maturities - Due within 1 Year 1.5 1.3 1.1 — —
Debt - Long-Term - Maturities - Year 6 & Beyond 7.8 15.0 25.7 32.2 32.6
Capital Lease Maturities - Due in Year 3 2.1 1.7 1.4 — —
Capital Lease Maturities - Due in Year 2 1.8 1.6 1.3 — —
Capital Lease Maturities - Due in Year 5 4.0 3.6 2.9 — —
Capital Lease Maturities - Remaining Maturities 11.5 8.7 7.7 — —
Capital Lease Maturities - Interest Costs — — — — —
Capital Lease Maturities - Due in 4-5 Years 4.0 3.6 2.9 — —
Capital Lease Maturities - Due in 2-3 Years 3.9 3.3 2.7 — —
Capital Lease Maturities - Due in Year 6 & Beyond 11.5 8.7 7.7 — —
Minority Interest - Total 0.2 0.2 0.1 0.1 0.1
Asset Accruals (58.6) (54.5) (41.5) (31.1) (31.7)
Cash & Cash Equivalents - Total 256.8 269.0 210.5 140.0 174.8
Cash & Securities 2,272.8 2,187.3 1,709.0 1,293.2 992.9
Cash & Short Term Investments - Total 256.8 269.0 210.5 140.0 174.8
Debt - including Preferred Equity & Minority Interest - Total 397.1 762.3 570.1 508.2 360.4
Earning Assets 3,029.6 3,075.3 2,517.5 2,091.4 1,696.9
Demand Deposits - Total 1,536.0 1,290.3 1,178.0 1,042.8 888.7
Invested Assets - Total 2,016.0 1,918.3 1,498.5 1,153.3 818.1
Right of Use Tangible Assets - Total - Accumulated Depreciation - Supplemental 10.8 8.8 7.8 — —
Investment Securities 2,016.0 1,918.3 1,498.5 1,153.3 818.1
Investments - Permanent 15.3 7.8 6.0 5.5 8.6
Net Book Capital 316.5 648.4 490.2 463.8 275.9
Right of Use Tangible Assets - Capital/Finance Lease - Accumulated Depreciation - Supplemental 10.8 8.8 7.8 — —
Net Operating Assets 316.5 648.4 490.2 463.8 275.9
Provisions - Total 9.9 6.8 2.4 1.5 1.1
Shareholders Equity - Common 176.2 155.0 130.7 95.6 90.3
Savings Deposits - Total 1,026.6 946.2 707.1 476.3 391.4
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Accumulated Depreciation - Supplemental 31.3 24.9 19.2 — —
Tangible Total Equity 176.2 155.0 130.6 95.3 90.1
Tangible Book Value 176.0 154.8 130.4 95.2 89.9
Total Book Capital 573.1 917.2 700.6 603.7 450.5
Total Capital 573.3 917.4 700.7 603.8 450.7
Total Long Term Capital 176.4 155.2 130.8 95.7 90.4
Trading Account — — — 0.1 0.1
Unearned Revenue - Total 3.8 3.0 1.7 0.7 1.4
Book Value excluding Other Equity 175.6 154.5 130.1 95.1 89.8
Income Taxes - Payable - Long-Term & Short-Term — — 8.5 — —
Cash & Short Term Investments - Net of Debt (140.1) (493.2) (359.4) (368.1) (185.4)
Current Portion of Long-Term Debt including Capitalized Leases & Hybrid Financial Instruments 82.4 93.2 107.4 130.0 102.3
Interest Bearing Liabilities - Total 3,014.5 3,052.9 2,514.3 2,085.8 1,677.9
Net Debt Including Preferred Equity & Minority Interest 140.3 493.3 359.5 368.2 185.6
Other Short-Term & Long-Term Assets - Total 83.3 74.6 55.5 67.3 64.1
Other Short-Term & Long-Term Liabilities - Total 74.4 66.1 51.9 65.1 66.3
Tangible Book Value excluding Other Equity 175.5 154.3 129.9 94.6 89.4
Total Debt Excluding Islamic 396.9 762.2 569.9 508.1 360.2
Reserves for Loan Losses - Total 47.4 48.5 26.6 17.8 13.1
Total Available Funds 2,794.0 2,445.9 2,075.2 1,673.5 1,408.1
Loans - Gross – Total 804.2 936.5 835.0 815.9 717.1
Deposits - Net 2,523.6 2,210.0 1,881.2 1,524.2 1,283.0
Loans - Net - Total 756.8 888.0 808.5 798.1 704.0
Tangible Book Value & Reserves for Loan Losses - Total 223.4 203.3 157.0 113.0 103.0
Cash in Hand & with Banks - Total 58.5 54.3 41.2 31.0 31.4

Every line the company reported, in the original order and wording, without regrouping or signs changed.