BAHL Bank AL Habib Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 151.48 +0.94%
Annual · FY2006 – FY2025
Bank AL Habib Limited (BAHL) cash flow statement
Operating activities generated Rs 485.4 bn of cash in FY2025 (Jan – Dec 2025), up 53.2% on FY2024. Capital expenditure was Rs 14.5 bn. Dividends paid to shareholders came to Rs 18.7 bn. Overall, cash decreased by Rs 9.7 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 | 485.4 | 316.8 | 337.7 | 219.1 | (4.9) |
| Capital expenditure | (14.5) | (14.2) | (8.0) | (9.1) | (14.1) |
| Net cash from investing activities | (95.4) | (422.2) | (336.2) | (355.5) | (79.8) |
| Dividends paid | (18.7) | (17.0) | (17.5) | (7.7) | (4.9) |
| Net cash from financing activities | (399.7) | 163.8 | 37.0 | 120.2 | 84.3 |
| Net change in cash | (9.7) | 58.4 | 38.5 | (16.3) | (0.4) |
| 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 | +53.2% | -6.2% | +54.2% | — | -102.3% |
| Capital expenditure | +1.9% | +77.7% | -11.9% | -35.4% | +167.4% |
| Net cash from investing activities | — | — | — | — | — |
| Dividends paid | +9.7% | -2.8% | +127.4% | +56.1% | +28.3% |
| Net cash from financing activities | -344.0% | +343.3% | -69.3% | +42.6% | — |
| Net change in cash | -116.7% | +51.5% | — | — | -112.7% |
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 72
| 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 | 68.2 | 86.8 | 72.0 | 33.1 | 30.2 |
| Non-cash Items & Reconciliation Adjustments - Cash Flow | (122.9) | (134.6) | (113.2) | 18.5 | 5.1 |
| Equity Income/(Loss) in Net Earnings - Cash Flow - to Reconcile | (1.4) | (1.4) | (1.1) | (0.8) | (0.4) |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | (129.4) | (154.9) | (122.9) | 0.8 | 0.5 |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 10.8 | 8.3 | 7.1 | 6.0 | 5.1 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 10.6 | 8.1 | 6.9 | 5.7 | 4.8 |
| Amortization - Intangible Assets & Deferred Charges - Cash Flow - to Reconcile | 0.2 | 0.2 | 0.3 | 0.3 | 0.3 |
| Loan Loss Provision including Impairment - Increase/(Decrease) - Cash Flow | (2.4) | 14.9 | 4.2 | 12.9 | 0.3 |
| Impairment - Financial Fixed Assets - Operating - Cash Flow - to Reconcile | — | — | — | — | — |
| Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile | (0.8) | (1.0) | (0.4) | (0.5) | (0.5) |
| Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow | (0.8) | (1.0) | (0.4) | (0.5) | (0.5) |
| Financial Assets - Unrealized Gain/(Loss) - Cash Flow - to Reconcile | 0.3 | (0.5) | — | — | — |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 55.2 | 57.5 | 34.1 | 20.1 | 10.5 |
| Interest Paid - Cash | 205.2 | 319.9 | 248.0 | — | — |
| Interest & Dividends - Received - Total - Cash Flow | 349.7 | 492.6 | 333.6 | 0.7 | 0.5 |
| Cash Flow from Operating Activities before Changes in Working Capital | 34.6 | 67.4 | 10.3 | 32.1 | 25.3 |
| Working Capital - Increase/(Decrease) - Cash Flow | 450.7 | 249.4 | 327.4 | 187.0 | (30.2) |
| Other Assets - Decrease/(Increase) - Cash Flow | (15.5) | (15.4) | 7.6 | (17.0) | (11.2) |
| Lending & Deposits - Due from Banks - Long-Term - Decrease/(Increase) - Cash Flow | 14.5 | (37.3) | 13.9 | 4.5 | (17.9) |
| Investment Securities - Decrease/(Increase) - Operating - Cash Flow | — | — | — | (0.1) | 0.0 |
| Loans - Customer - Decrease/(Increase) - Cash Flow | 117.7 | (65.5) | (63.3) | (83.9) | (223.5) |
| Other Liabilities - Increase/(Decrease) -Total - Cash Flow | 14.0 | 23.4 | 3.4 | 25.3 | 11.9 |
| Deposits - Increase/(Decrease) - Total - Cash Flow | 320.0 | 344.2 | 365.7 | 258.3 | 210.5 |
| Deposits - Customers - Increase/(Decrease) - Cash Flow | 320.0 | 344.2 | 365.7 | 258.3 | 210.5 |
| Net Cash Flow from Operating Activities | 485.4 | 316.8 | 337.7 | 219.1 | (4.9) |
| Capital Expenditures - Net - Cash Flow | 13.7 | 13.2 | 7.6 | 8.6 | 13.6 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 13.5 | 13.0 | 7.5 | 8.6 | 13.6 |
| Property, Plant & Equipment - Purchased - Cash Flow | 14.4 | 14.0 | 8.0 | 9.1 | 14.1 |
| Property, Plant & Equipment Sold - Cash Flow | 0.9 | 1.1 | 0.4 | 0.5 | 0.4 |
| Intangible Assets - Purchased/(Sold) - Net - Total - Cash Flow | 0.1 | 0.2 | 0.0 | — | — |
| Intangible Assets - Purchased/Acquired - Cash Flow | 0.1 | 0.2 | 0.0 | — | — |
| Capital Expenditures - Total | 14.5 | 14.2 | 8.0 | 9.1 | 14.1 |
| Acquisition & Disposals of Business - Assets - Sold/(Acquired) - Net - Cash Flow | — | — | — | — | — |
| Business - Sold - Cash Flow | — | — | — | — | — |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | (75.9) | (407.1) | (329.5) | (352.8) | (61.0) |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | (75.9) | (407.1) | (329.5) | (352.8) | (61.0) |
| Investments - Associated Companies & Joint Ventures - Sold/(Purchased) - Cash Flow | (6.0) | (1.8) | 0.7 | 3.8 | (5.6) |
| Other Investing Cash Flow - Decrease/(Increase) | 0.1 | (0.1) | 0.3 | 2.1 | 0.4 |
| Net Cash Flow from Investing Activities | (95.4) | (422.2) | (336.2) | (355.5) | (79.8) |
| Dividends Paid - Cash - Total - Cash Flow | 18.7 | 17.0 | 17.5 | 7.7 | 4.9 |
| Dividends - Common - Cash Paid | 18.7 | 17.0 | 17.5 | 7.7 | 4.9 |
| 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 | (381.0) | 180.8 | 54.4 | 127.9 | 89.2 |
| Debt - Issued/(Reduced) - Long-Term & Short-Term - Cash Flow | (376.4) | 184.6 | 57.7 | 130.6 | 91.4 |
| Debt - Issued - Long-Term & Short-Term - Cash Flow | — | 188.6 | 57.7 | 130.6 | 91.4 |
| Debt - Reduced - Long-Term & Short-Term - Cash Flow | 376.4 | 4.0 | 0.0 | — | — |
| Debt - Issued/(Reduced) - Short-Term - Total - Cash Flow | — | — | — | — | — |
| Debt - Reduced - Short-Term - Cash Flow | — | — | — | — | — |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (4.6) | (3.8) | (3.3) | (2.8) | (2.2) |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (4.6) | (3.8) | (3.3) | (2.8) | (2.2) |
| Debt - Reduced - Long-Term - Cash Flow | 4.6 | 3.8 | 3.3 | 2.8 | 2.2 |
| 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 | 4.6 | 3.8 | 3.3 | 2.8 | 2.2 |
| Other Financing Cash Flow - Increase/(Decrease) | — | — | — | — | — |
| Net Cash Flow from Financing Activities | (399.7) | 163.8 | 37.0 | 120.2 | 84.3 |
| Foreign Exchange Effects - Cash Flow | — | — | — | — | — |
| Net Change in Cash - Total | (9.7) | 58.4 | 38.5 | (16.3) | (0.4) |
| Net Cash from Continuing Operations | (9.7) | 58.4 | 38.5 | (16.3) | (0.4) |
| Net Cash - Beginning Balance | 205.6 | 147.3 | 108.8 | 125.0 | 125.4 |
| Net Cash - Ending Balance | 195.9 | 205.6 | 147.3 | 108.8 | 125.0 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 55.2 | 57.5 | 34.1 | 20.1 | 10.5 |
| Interest Paid - Cash Flow - Supplemental | 205.2 | 319.9 | 248.0 | — | — |
| Interest & Dividends - Received - Cash Flow - Supplemental | 349.7 | 492.6 | 333.6 | 0.7 | 0.5 |
| CF from Optg Activities before Change in WC & Int Payments | 239.8 | 387.3 | 258.3 | 32.1 | 25.3 |
| Cash Dividends Paid & Common Stock Buyback - Net | — | — | — | — | — |
| Common Stock Buyback - Net | — | — | — | — | — |
| Depreciation, Depletion & Amortization - Cash Flow | 10.8 | 8.3 | 7.1 | 6.0 | 5.1 |
| Free Cash Flow to Equity | 90.7 | 484.4 | 384.6 | 338.3 | 70.7 |
| Free Cash Flow Net of Dividends | 452.2 | 285.5 | 312.2 | 202.3 | (23.9) |
| Free Cash Flow | 470.8 | 302.5 | 329.7 | 210.0 | (18.9) |
Every line the company reported, in the original order and wording, without regrouping or signs changed.