HBL Habib Bank Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 290.42 +0.34%
Financials
Habib Bank Limited (HBL) financials
20 years of annual results (FY2006 – FY2025), 79 quarters.
Habib Bank Limited (HBL) reported total income of Rs 353.3 bn for FY2025 (Jan – Dec 2025), up 5.6% from FY2024.
Profit attributable to shareholders was Rs 66.7 bn (EPS Rs 45.48), up 14.1%.
It declared a dividend of Rs 20.00 per share for FY2025 and has paid a dividend in each of the last 20 years.
Deposits stood at Rs 5.55 tn and net advances at Rs 1.87 tn, an advances-to-deposits ratio of 33.7%.
Return on equity was 14.9%.
Over the last five years total income grew at a compound 17.7% a year.
At Rs 290.42 (close on 16 Oct 2026) the shares trade at 6.4× earnings (TTM to Jun 2026) and 0.88× book value, with a dividend yield of 6.9%.
Fundamentals
HBL at a glance
Total income · FY2025
Rs 353.3 bn
▲ 5.6% year on year
Profit attributable to shareholders · FY2025
Rs 66.7 bn
▲ 14.1% year on year
EPS – basic (Rs) · FY2025
Rs 45.48
▲ 14.1% year on year
Dividend per share (Rs) · FY2025
Rs 20.00
▲ 23.1% year on year
Deposits · FY2025
Rs 5.55 tn
▲ 26.9% year on year
Return on equity (ROE) · FY2025
14.9%
-0.2 pts year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Total income · FY2025
- Rs 353.3 bn
- Profit attributable · FY2025
- Rs 66.7 bn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 7.71 tn
- Equity · FY2025
- Rs 486.9 bn
Financial highlights
HBL financial results
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 * Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 * Jan – Dec 2022 | FY2021 * Jan – Dec 2021 |
|---|---|---|---|---|---|
| Net interest income | 279.0 | 248.7 | 244.4 | 167.1 | 132.3 |
| Total non-interest income | 74.3 | 86.0 | 45.4 | 40.9 | 30.9 |
| Total income | 353.3 | 334.7 | 289.8 | 207.9 | 163.3 |
| Operating expenses | (212.7) | (220.6) | (184.6) | (130.1) | (104.8) |
| Provisions & impairment (loans) | 13.7 | 26.6 | 12.3 | 5.0 | 6.8 |
| Profit before tax | 148.1 | 120.3 | 113.6 | 77.0 | 62.0 |
| Profit attributable to shareholders | 66.7 | 58.5 | 57.7 | 34.1 | 35.0 |
| EPS – basic (Rs) Rs | 45.48 | 39.85 | 39.32 | 23.23 | 23.88 |
| Dividend per share (Rs) Rs | 20.00 | 16.25 | 9.75 | 6.75 | 7.50 |
| Advances (net) | 1,868.1 | 2,243.2 | 1,691.9 | 1,671.3 | 1,385.2 |
| Deposits | 5,546.0 | 4,370.4 | 4,142.4 | 3,469.3 | 3,382.0 |
| Total assets | 7,708.1 | 6,055.1 | 5,534.3 | 4,638.8 | 4,317.5 |
| Equity attributable to shareholders | 486.9 | 409.2 | 363.2 | 282.1 | 279.6 |
| 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 interest income | 284.7 | 70.2 | 74.9 | 68.8 | 70.8 | 69.3 | 70.1 | 60.7 | 65.7 |
| Total non-interest income | 72.0 | 19.0 | 17.1 | 15.8 | 20.0 | 19.5 | 19.0 | 21.3 | 16.9 |
| Total income | 356.7 | 89.2 | 92.1 | 84.6 | 90.9 | 88.7 | 89.2 | 82.0 | 82.7 |
| Operating expenses | (219.3) | (54.5) | (57.6) | (50.9) | (56.2) | (52.3) | (53.3) | (47.3) | (57.0) |
| Provisions & impairment (loans) | 8.9 | 3.3 | 0.7 | 5.1 | (0.2) | 3.5 | 5.3 | 7.6 | 6.6 |
| Profit before tax | 145.8 | 39.4 | 33.7 | 35.9 | 36.8 | 38.7 | 36.6 | 34.5 | 28.0 |
| Profit attributable to shareholders | 66.8 | 18.4 | 16.1 | 15.4 | 16.9 | 17.8 | 16.6 | 14.4 | 14.5 |
| EPS – basic (Rs) Rs | 45.55 | 12.51 | 11.00 | 10.51 | 11.53 | 12.12 | 11.32 | 9.83 | 9.85 |
| Dividend per share (Rs) Rs | 23.00 | 6.00 | 6.00 | 6.00 | 5.00 | 4.50 | 4.50 | 4.25 | 4.00 |
| Advances (net) | 1,944.8 | 1,944.8 | 1,833.6 | 1,868.1 | 1,759.5 | 1,777.1 | 1,739.1 | 2,243.2 | 1,673.0 |
| Deposits | 5,919.9 | 5,919.9 | 5,393.1 | 5,546.0 | 5,083.7 | 5,193.9 | 4,449.6 | 4,370.4 | 4,809.4 |
| Total assets | 8,049.0 | 8,049.0 | 8,108.7 | 7,708.1 | 7,243.4 | 7,615.7 | 5,935.3 | 6,055.1 | 6,204.4 |
| Equity attributable to shareholders | 484.0 | 484.0 | 454.3 | 486.9 | 462.4 | 448.7 | 421.1 | 409.2 | 410.0 |
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets. Free cash flow and book value per share are calculated by Smart Money; TTM = the latest four quarters. Updated 15 Oct 2026.