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%
Quarterly · Q3 FY2021 – Q2 FY2026
Bank AL Habib Limited (BAHL) quarterly cash flow statement
Operating activities generated Rs 182.5 bn of cash in Q2 FY2026 (Apr – Jun 2026), down 15.2% on Q2 FY2025. Capital expenditure was Rs 2.9 bn. Dividends paid to shareholders came to Rs 3.8 bn. Overall, cash increased by Rs 25.6 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 |
|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | 534.3 | 182.5 | 95.8 | 312.8 | (56.9) | 215.2 | 14.2 | (53.7) | (23.0) |
| Capital expenditure | (11.0) | (2.9) | (2.7) | (2.6) | (2.8) | (3.9) | (5.2) | (4.7) | (2.8) |
| Net cash from investing activities | (350.2) | (20.9) | (248.6) | (172.9) | 92.2 | 43.6 | (58.3) | (117.5) | 31.8 |
| Dividends paid | (16.4) | (3.8) | (4.9) | (3.9) | (3.8) | (3.9) | (7.1) | (3.9) | (3.8) |
| Net cash from financing activities | (133.8) | (136.0) | 161.6 | (128.0) | (31.3) | (266.1) | 25.8 | 195.4 | (42.8) |
| Net change in cash | 50.3 | 25.6 | 8.8 | 11.9 | 4.0 | (7.4) | (18.3) | 24.1 | (34.0) |
| 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 |
|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | -15.2% | +574.1% | — | — | -12.2% | -90.4% | -168.4% | — |
| Capital expenditure | -26.0% | -48.6% | -44.6% | +1.8% | +10.2% | +61.1% | +161.2% | +30.4% |
| Net cash from investing activities | -147.9% | — | — | +189.7% | — | — | — | — |
| Dividends paid | -0.3% | -31.4% | +0.2% | -0.7% | +0.3% | +30.2% | -22.0% | -21.6% |
| Net cash from financing activities | — | +525.5% | -165.5% | — | -916.4% | — | +9.4% | -194.7% |
| Net change in cash | — | — | -50.5% | — | -120.7% | -156.2% | +595.2% | — |
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. Updated 16 Oct 2026.
All reported line items 59
| 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 |
|---|---|---|---|---|---|---|---|---|
| Profit/(Loss) - Starting Line - Cash Flow | 16.8 | 15.3 | 12.8 | 15.4 | 18.6 | 21.3 | 21.9 | 23.6 |
| Non-cash Items & Reconciliation Adjustments - Cash Flow | (30.9) | (27.8) | (28.6) | (30.9) | (31.6) | (31.8) | (154.7) | 7.6 |
| Equity Income/(Loss) in Net Earnings - Cash Flow - to Reconcile | (0.3) | (0.6) | (0.4) | (0.6) | (0.2) | (0.2) | (0.4) | (0.4) |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | (31.8) | (31.8) | (31.7) | (32.4) | (32.4) | (32.9) | (158.7) | 1.4 |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 3.1 | 3.0 | 2.9 | 2.7 | 2.7 | 2.5 | 2.3 | 2.1 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 3.1 | 3.0 | 2.9 | 2.7 | 2.6 | 2.5 | 2.2 | 2.1 |
| Amortization - Intangible Assets & Deferred Charges - Cash Flow - to Reconcile | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 |
| Loan Loss Provision including Impairment - Increase/(Decrease) - Cash Flow | (1.0) | 1.0 | (0.2) | 0.4 | (1.5) | (1.2) | 3.0 | 4.5 |
| Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile | (0.4) | (0.2) | (0.2) | (0.1) | (0.2) | (0.3) | (0.2) | (0.3) |
| Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow | (0.4) | (0.2) | (0.2) | (0.1) | (0.2) | (0.3) | (0.2) | (0.3) |
| Financial Assets - Unrealized Gain/(Loss) - Cash Flow - to Reconcile | (0.6) | 0.8 | 0.9 | (1.0) | 0.0 | 0.3 | (0.7) | 0.3 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 13.9 | 9.6 | 10.5 | 8.3 | 17.6 | 18.8 | 29.3 | 9.2 |
| Interest Paid - Cash | 54.1 | 46.9 | 46.7 | 46.7 | 56.9 | 54.9 | 319.9 | — |
| Interest & Dividends - Received - Total - Cash Flow | 103.6 | 53.9 | 106.0 | 52.0 | 131.5 | 60.1 | 492.2 | 0.0 |
| Cash Flow from Operating Activities before Changes in Working Capital | 21.6 | (15.0) | 33.1 | (18.4) | 44.0 | (24.0) | 10.2 | 22.0 |
| Working Capital - Increase/(Decrease) - Cash Flow | 160.9 | 110.8 | 279.8 | (38.4) | 171.2 | 38.2 | (64.0) | (45.0) |
| Other Assets - Decrease/(Increase) - Cash Flow | (7.9) | 10.0 | (2.1) | (5.4) | (1.4) | (6.6) | 39.6 | (49.5) |
| Lending & Deposits - Due from Banks - Long-Term - Decrease/(Increase) - Cash Flow | 55.9 | (36.4) | 30.0 | (34.7) | 1.2 | 18.0 | (38.9) | 0.0 |
| Investment Securities - Decrease/(Increase) - Operating - Cash Flow | — | — | — | — | — | — | — | (0.2) |
| Loans - Customer - Decrease/(Increase) - Cash Flow | (38.8) | (34.1) | 114.4 | (4.7) | 44.2 | (36.2) | (147.2) | 19.5 |
| Other Liabilities - Increase/(Decrease) -Total - Cash Flow | 68.3 | (26.4) | 36.5 | (14.3) | 30.6 | (38.8) | 25.5 | (14.6) |
| Deposits - Increase/(Decrease) - Total - Cash Flow | 83.4 | 197.7 | 101.0 | 20.8 | 96.4 | 101.8 | 57.0 | (0.2) |
| Deposits - Customers - Increase/(Decrease) - Cash Flow | 83.4 | 197.7 | 101.0 | 20.8 | 96.4 | 101.8 | 57.0 | (0.2) |
| Net Cash Flow from Operating Activities | 182.5 | 95.8 | 312.8 | (56.9) | 215.2 | 14.2 | (53.7) | (23.0) |
| Capital Expenditures - Net - Cash Flow | 2.5 | 2.4 | 2.4 | 2.7 | 3.7 | 4.8 | 4.5 | 2.4 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 2.5 | 2.4 | 2.3 | 2.7 | 3.7 | 4.8 | 4.3 | 2.4 |
| Property, Plant & Equipment - Purchased - Cash Flow | 2.9 | 2.7 | 2.5 | 2.8 | 3.9 | 5.2 | 4.5 | 2.8 |
| Property, Plant & Equipment Sold - Cash Flow | 0.4 | 0.2 | 0.2 | 0.2 | 0.2 | 0.3 | 0.2 | 0.3 |
| Intangible Assets - Purchased/(Sold) - Net - Total - Cash Flow | — | — | 0.1 | — | — | — | 0.2 | — |
| Intangible Assets - Purchased/Acquired - Cash Flow | — | — | 0.1 | — | — | — | 0.2 | — |
| Capital Expenditures - Total | 2.9 | 2.7 | 2.6 | 2.8 | 3.9 | 5.2 | 4.7 | 2.8 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | (15.5) | (252.6) | (166.0) | 96.6 | 46.9 | (53.4) | (111.3) | 34.6 |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | (15.5) | (252.6) | (166.0) | 96.6 | 46.9 | (53.4) | (111.3) | 34.6 |
| Investments - Associated Companies & Joint Ventures - Sold/(Purchased) - Cash Flow | (2.8) | 6.4 | (4.5) | (1.7) | 0.4 | (0.2) | (1.8) | (0.3) |
| Other Investing Cash Flow - Decrease/(Increase) | (0.1) | 0.0 | 0.0 | (0.1) | 0.0 | 0.1 | 0.0 | (0.1) |
| Net Cash Flow from Investing Activities | (20.9) | (248.6) | (172.9) | 92.2 | 43.6 | (58.3) | (117.5) | 31.8 |
| Dividends Paid - Cash - Total - Cash Flow | 3.8 | 4.9 | 3.9 | 3.8 | 3.9 | 7.1 | 3.9 | 3.8 |
| Dividends - Common - Cash Paid | 3.8 | 4.9 | 3.9 | 3.8 | 3.9 | 7.1 | 3.9 | 3.8 |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | (132.1) | 166.5 | (124.2) | (27.5) | (262.3) | 33.0 | 199.3 | (39.0) |
| Debt - Issued/(Reduced) - Long-Term & Short-Term - Cash Flow | (131.0) | 167.9 | (122.9) | (26.3) | (261.3) | 34.2 | 200.3 | (38.1) |
| Debt - Issued - Long-Term & Short-Term - Cash Flow | — | 167.9 | — | — | — | 34.2 | 200.3 | — |
| Debt - Reduced - Long-Term & Short-Term - Cash Flow | 131.0 | 0.0 | 122.9 | 26.3 | 261.3 | 0.0 | 0.0 | 38.1 |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (1.2) | (1.5) | (1.2) | (1.2) | (1.0) | (1.2) | (1.0) | (0.9) |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (1.2) | (1.5) | (1.2) | (1.2) | (1.0) | (1.2) | (1.0) | (0.9) |
| Debt - Reduced - Long-Term - Cash Flow | 1.2 | 1.5 | 1.2 | 1.2 | 1.0 | 1.2 | 1.0 | 0.9 |
| 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 | 1.2 | 1.5 | 1.2 | 1.2 | 1.0 | 1.2 | 1.0 | 0.9 |
| Net Cash Flow from Financing Activities | (136.0) | 161.6 | (128.0) | (31.3) | (266.1) | 25.8 | 195.4 | (42.8) |
| Net Change in Cash - Total | 25.6 | 8.8 | 11.9 | 4.0 | (7.4) | (18.3) | 24.1 | (34.0) |
| Net Cash from Continuing Operations | 25.6 | 8.8 | 11.9 | 4.0 | (7.4) | (18.3) | 24.1 | (34.0) |
| Net Cash - Beginning Balance | 204.7 | 195.9 | 184.0 | 180.0 | 187.4 | 205.6 | 181.5 | 215.5 |
| Net Cash - Ending Balance | 230.3 | 204.7 | 195.9 | 184.0 | 180.0 | 187.4 | 205.6 | 181.5 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 13.9 | 9.6 | 10.5 | 8.3 | 17.6 | 18.8 | 29.3 | 9.2 |
| Interest Paid - Cash Flow - Supplemental | 54.1 | 46.9 | 46.7 | 46.7 | 56.9 | 54.9 | 319.9 | — |
| Interest & Dividends - Received - Cash Flow - Supplemental | 103.6 | 53.9 | 106.0 | 52.0 | 131.5 | 60.1 | 492.2 | 0.0 |
| CF from Optg Activities before Change in WC & Int Payments | 75.6 | 31.8 | 79.8 | 28.2 | 100.9 | 30.9 | 330.1 | 22.0 |
| Depreciation, Depletion & Amortization - Cash Flow | 3.1 | 3.0 | 2.9 | 2.7 | 2.7 | 2.5 | 2.3 | 2.1 |
| Free Cash Flow to Equity | 47.9 | 259.8 | 186.2 | (87.0) | (50.9) | 42.3 | 141.1 | (64.4) |
| Free Cash Flow Net of Dividends | 175.7 | 88.3 | 306.4 | (63.5) | 207.4 | 1.9 | (62.3) | (29.6) |
| Free Cash Flow | 179.6 | 93.2 | 310.2 | (59.7) | 211.2 | 9.1 | (58.4) | (25.7) |
Every line the company reported, in the original order and wording, without regrouping or signs changed.