BAFL Bank Alfalah Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 55.65 -0.22%
Annual · FY2006 – FY2025
Bank Alfalah Limited (BAFL) cash flow statement
Operating activities generated Rs 464.9 bn of cash in FY2025 (Jan – Dec 2025). Capital expenditure was Rs 13.6 bn. Dividends paid to shareholders came to Rs 15.7 bn. Overall, cash increased by Rs 21.9 bn.
| Rs bn | FY2025 * Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 * Jan – Dec 2023 | FY2022 * Jan – Dec 2022 | FY2021 * Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 * Jan – Dec 2019 | FY2018 * Jan – Dec 2018 | FY2017 * Jan – Dec 2017 | FY2016 * Jan – Dec 2016 | FY2015 Jan – Dec 2015 | FY2014 Jan – Dec 2014 | FY2013 Jan – Dec 2013 | FY2012 Jan – Dec 2012 | FY2011 Jan – Dec 2011 | FY2010 * Jan – Dec 2010 | FY2009 * Jan – Dec 2009 | FY2008 * Jan – Dec 2008 | FY2007 Jan – Dec 2007 | FY2006 Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | 464.9 | (325.4) | 351.3 | 350.4 | 200.3 | (12.4) | 121.1 | (73.7) | 4.6 | (38.5) | (11.8) | 17.4 | 42.2 | 40.5 | 49.2 | 24.5 | 13.3 | 11.0 | 25.5 | 6.0 |
| Capital expenditure | (13.6) | (19.8) | (12.8) | (8.7) | (3.9) | (3.6) | (3.9) | (1.3) | (1.9) | (2.9) | (2.0) | (3.3) | (2.7) | (1.2) | (1.1) | (1.5) | (1.9) | (3.3) | (2.4) | (2.5) |
| Net cash from investing activities | (136.1) | 88.4 | (682.7) | (414.5) | (242.8) | (206.1) | (38.2) | 145.9 | (23.5) | 27.4 | (72.7) | (87.8) | (30.7) | (31.6) | (45.9) | (16.5) | (25.5) | 7.1 | (34.1) | (2.1) |
| Dividends paid | (15.7) | (23.2) | (7.3) | (3.4) | (7.1) | (7.1) | (6.2) | (4.0) | (0.0) | (1.6) | (3.2) | (2.7) | (2.7) | (2.4) | 0.0 | (1.1) | 0.0 | (1.0) | 0.0 | 0.0 |
| Net cash from financing activities | (306.9) | 222.4 | 393.4 | 115.2 | 58.7 | 201.9 | (48.2) | (65.3) | 23.3 | 6.4 | 112.0 | 38.2 | 0.6 | 6.1 | 4.9 | (7.3) | 15.9 | (9.8) | 14.2 | 3.9 |
| Net change in cash | 21.9 | (16.6) | 42.5 | 39.2 | 21.5 | (18.2) | 30.9 | 0.8 | 3.5 | (4.5) | 27.7 | (32.5) | 12.9 | 15.6 | 7.8 | 0.7 | 3.9 | 8.8 | 5.6 | 7.9 |
| Rs mn | FY2025 * Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 * Jan – Dec 2023 | FY2022 * Jan – Dec 2022 | FY2021 * Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 * Jan – Dec 2019 | FY2018 * Jan – Dec 2018 | FY2017 * Jan – Dec 2017 | FY2016 * Jan – Dec 2016 | FY2015 Jan – Dec 2015 | FY2014 Jan – Dec 2014 | FY2013 Jan – Dec 2013 | FY2012 Jan – Dec 2012 | FY2011 Jan – Dec 2011 | FY2010 * Jan – Dec 2010 | FY2009 * Jan – Dec 2009 | FY2008 * Jan – Dec 2008 | FY2007 Jan – Dec 2007 | FY2006 Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | — | -192.6% | +0.3% | +74.9% | — | -110.3% | — | -1,703.1% | — | — | -167.7% | -58.7% | +4.2% | -17.7% | +101.0% | +84.4% | +21.0% | -57.1% | +328.3% | — |
| Capital expenditure | -31.2% | +54.8% | +46.7% | +125.2% | +7.7% | -7.0% | +192.5% | -29.7% | -34.4% | +44.6% | -39.8% | +20.7% | +129.7% | +11.0% | -30.3% | -19.5% | -42.7% | +36.8% | -3.7% | — |
| Net cash from investing activities | -253.9% | — | — | — | — | — | -126.2% | — | -186.0% | — | — | — | — | — | — | — | -458.5% | — | — | — |
| Dividends paid | -32.3% | +219.0% | +115.1% | -52.3% | +0.4% | +13.8% | +55.1% | +207,093.9% | -99.9% | -49.9% | +15.6% | +0.1% | +15.8% | — | -100.0% | — | -100.0% | — | — | — |
| Net cash from financing activities | -238.0% | -43.5% | +241.5% | +96.2% | -70.9% | — | — | -379.9% | +267.0% | -94.3% | +193.0% | +5,848.8% | -89.5% | +25.2% | — | -145.9% | — | -169.0% | +262.1% | — |
| Net change in cash | — | -139.1% | +8.3% | +82.0% | — | -158.9% | +3,902.0% | -78.2% | — | -116.2% | — | -353.1% | -17.8% | +101.0% | +1,073.1% | -83.0% | -55.5% | +55.5% | -28.5% | — |
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 69
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profit/(Loss) - Starting Line - Cash Flow | 62.0 | 85.2 | 78.7 | 36.7 | 23.9 | 18.4 | 22.9 | 18.2 | 14.1 | 13.4 |
| Non-cash Items & Reconciliation Adjustments - Cash Flow | (121.2) | (115.9) | 19.5 | 19.2 | 8.4 | 12.8 | 7.7 | 1.5 | 1.1 | 2.1 |
| Discontinued Operations - Gain/(Loss) - Net of Tax - Cash Flow - to Reconcile | 0.0 | — | — | — | — | — | — | — | 0.3 | — |
| Equity Income/(Loss) in Net Earnings - Cash Flow - to Reconcile | (1.3) | (1.2) | (1.7) | (0.7) | (0.6) | (0.6) | (0.5) | (0.6) | (0.4) | (0.5) |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | (132.9) | (119.7) | 4.1 | 2.7 | 2.1 | 1.6 | 1.4 | 0.0 | (0.5) | (0.6) |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 11.1 | 9.1 | 7.2 | 5.8 | 4.8 | 4.4 | 3.9 | 2.2 | 2.3 | 2.1 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 10.7 | 8.7 | 6.9 | 5.4 | 4.4 | 4.0 | 3.4 | 1.7 | 1.8 | 1.7 |
| Amortization - Intangible Assets & Deferred Charges - Cash Flow - to Reconcile | 0.4 | 0.4 | 0.3 | 0.4 | 0.4 | 0.4 | 0.5 | 0.5 | 0.4 | 0.4 |
| Loan Loss Provision including Impairment - Increase/(Decrease) - Cash Flow | 3.3 | 0.3 | 10.5 | 8.9 | 1.9 | 7.6 | 3.0 | (0.0) | (0.6) | 1.2 |
| Impairment - Financial Fixed Assets - Operating - Cash Flow - to Reconcile | — | — | (1.0) | 2.5 | (0.2) | — | — | — | — | — |
| Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile | (0.1) | (0.1) | (0.1) | (0.1) | (0.1) | (0.1) | (0.1) | (0.1) | (0.0) | (0.1) |
| Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow | (0.1) | (0.1) | (0.1) | (0.1) | (0.1) | (0.1) | (0.1) | (0.1) | (0.0) | (0.1) |
| Financial Assets - Unrealized Gain/(Loss) - Cash Flow - to Reconcile | (1.3) | (4.2) | 0.4 | 0.0 | 0.4 | (0.1) | 0.0 | 0.0 | 0.0 | (0.0) |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 39.7 | 59.0 | 42.3 | 17.0 | 8.3 | 6.2 | 4.9 | 5.3 | 5.1 | 4.7 |
| Interest Paid - Cash | 221.8 | 381.5 | — | — | — | — | — | — | — | — |
| Interest & Dividends - Received - Total - Cash Flow | 373.7 | 501.8 | 1.0 | 1.1 | 0.6 | 0.3 | 0.3 | 0.4 | 0.5 | 0.4 |
| Cash Flow from Operating Activities before Changes in Working Capital | 52.9 | 30.6 | 57.0 | 40.0 | 24.5 | 25.4 | 26.0 | 14.8 | 10.5 | 11.1 |
| Working Capital - Increase/(Decrease) - Cash Flow | 412.0 | (356.0) | 294.3 | 310.4 | 175.8 | (37.8) | 95.1 | (88.5) | (5.9) | (49.6) |
| Other Assets - Decrease/(Increase) - Cash Flow | (30.6) | (9.3) | (54.2) | (26.4) | (12.2) | 1.0 | 11.1 | (3.2) | (13.7) | 3.5 |
| Lending & Deposits - Due from Banks - Long-Term - Decrease/(Increase) - Cash Flow | 84.6 | (12.1) | (12.5) | (60.1) | 47.9 | (22.0) | 6.1 | (18.4) | (3.8) | (11.9) |
| Investment Securities - Decrease/(Increase) - Operating - Cash Flow | (33.4) | 8.8 | (266.5) | 87.6 | (30.6) | (43.8) | 20.4 | (24.8) | (7.4) | 3.9 |
| Loans - Customer - Decrease/(Increase) - Cash Flow | 2.0 | (417.0) | (13.2) | (67.4) | (98.0) | (74.1) | (11.5) | (100.8) | (22.6) | (45.6) |
| Other Liabilities - Increase/(Decrease) -Total - Cash Flow | 30.1 | 22.4 | 42.5 | 28.9 | 11.4 | 1.7 | (10.5) | 0.7 | 4.6 | (0.1) |
| Deposits - Increase/(Decrease) - Total - Cash Flow | 359.3 | 51.2 | 598.1 | 347.8 | 257.3 | 99.5 | 79.4 | 57.9 | 37.0 | 0.7 |
| Net Cash Flow from Operating Activities | 464.9 | (325.4) | 351.3 | 350.4 | 200.3 | (12.4) | 121.1 | (73.7) | 4.6 | (38.5) |
| Capital Expenditures - Net - Cash Flow | 13.5 | 19.3 | 12.6 | 8.3 | 3.8 | 3.5 | 3.5 | 0.9 | 1.8 | 2.8 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 13.5 | 19.3 | 12.6 | 8.3 | 3.8 | 3.5 | 3.5 | 0.9 | 1.8 | 2.8 |
| Property, Plant & Equipment - Purchased - Cash Flow | 13.6 | 19.8 | 12.8 | 8.7 | 3.9 | 3.6 | 3.9 | 1.3 | 1.9 | 2.9 |
| Property, Plant & Equipment Sold - Cash Flow | 0.2 | 0.5 | 0.2 | 0.4 | 0.1 | 0.1 | 0.4 | 0.4 | 0.1 | 0.1 |
| Capital Expenditures - Total | 13.6 | 19.8 | 12.8 | 8.7 | 3.9 | 3.6 | 3.9 | 1.3 | 1.9 | 2.9 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | (123.7) | 109.0 | (673.9) | (408.8) | (239.9) | (203.3) | (36.5) | 143.8 | (22.2) | 29.0 |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | (123.7) | 109.0 | (673.9) | (408.8) | (239.9) | (203.3) | (36.5) | 143.8 | (22.2) | 29.0 |
| Investments - Associated Companies & Joint Ventures - Sold/(Purchased) - Cash Flow | 0.4 | 0.4 | 0.3 | 0.1 | — | — | 0.0 | 0.1 | 0.5 | 1.2 |
| Other Investing Cash Flow - Decrease/(Increase) | 0.7 | (1.8) | 3.5 | 2.5 | 0.9 | 0.7 | 1.7 | 3.0 | — | — |
| Net Cash Flow from Investing Activities | (136.1) | 88.4 | (682.7) | (414.5) | (242.8) | (206.1) | (38.2) | 145.9 | (23.5) | 27.4 |
| Dividends Paid - Cash - Total - Cash Flow | 15.7 | 23.2 | 7.3 | 3.4 | 7.1 | 7.1 | 6.2 | 4.0 | 0.0 | 1.6 |
| Dividends - Common - Cash Paid | 15.7 | 23.2 | 7.3 | 3.4 | 7.1 | 7.1 | 6.2 | 4.0 | 0.0 | 1.6 |
| Stock - Total - Issuance/(Retirement) - Net - Cash Flow | — | — | — | — | — | — | 0.0 | 0.1 | 0.2 | 0.1 |
| Stock - Issuance/(Retirement) - Net - Excluding Options/Warrants - Cash Flow | — | — | — | — | — | — | 0.0 | 0.1 | 0.2 | 0.1 |
| Stock - Common - Issuance/(Retirement) - Net - Cash Flow | — | — | — | — | — | — | 0.0 | 0.1 | 0.2 | 0.1 |
| Stock - Common - Issued/Sold - Cash Flow | — | — | — | — | — | — | 0.0 | 0.1 | 0.2 | 0.1 |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | (291.2) | 245.6 | 400.7 | 124.6 | 65.8 | 208.9 | (42.0) | (61.4) | 23.1 | 7.9 |
| Debt - Issued/(Reduced) - Long-Term & Short-Term - Cash Flow | (299.6) | 236.0 | 419.8 | 104.3 | 68.8 | 211.3 | (20.9) | (83.5) | 26.9 | 6.4 |
| Debt - Issued/(Reduced) - Short-Term - Total - Cash Flow | 15.2 | 15.8 | (14.0) | 17.2 | 0.3 | 5.4 | (18.8) | 15.1 | (0.4) | 3.2 |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (6.8) | (6.1) | (5.1) | 3.2 | (3.3) | (7.8) | (2.3) | 7.0 | (3.3) | (1.7) |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (6.8) | (6.1) | (5.1) | (3.8) | (3.3) | (2.8) | (2.3) | 0.0 | — | — |
| Debt - Issued - Long-Term - Cash Flow | — | — | — | 7.0 | — | — | — | 7.0 | — | — |
| Debt - Reduced - Long-Term - Cash Flow | 6.8 | 6.1 | 5.1 | 3.8 | 3.3 | 7.8 | 2.3 | 0.0 | — | — |
| 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 | 6.8 | 6.1 | 5.1 | 3.8 | 3.3 | 2.8 | 2.3 | 0.0 | — | — |
| Other Financing Cash Flow - Increase/(Decrease) | 0.0 | (0.0) | 0.0 | (6.0) | — | — | — | — | — | — |
| Net Cash Flow from Financing Activities | (306.9) | 222.4 | 393.4 | 115.2 | 58.7 | 201.9 | (48.2) | (65.3) | 23.3 | 6.4 |
| Net Cash Flow from Discontinued Operations - Total | (1.4) | — | — | — | — | — | — | — | — | — |
| Non-Classified Cash Flows | (0.0) | (0.0) | — | — | — | — | — | — | — | — |
| Foreign Exchange Effects - Cash Flow | 1.4 | (1.9) | (19.5) | (11.9) | 5.4 | (1.5) | (3.8) | (6.1) | (0.9) | 0.3 |
| Net Change in Cash - Total | 21.9 | (16.6) | 42.5 | 39.2 | 21.5 | (18.2) | 30.9 | 0.8 | 3.5 | (4.5) |
| Net Cash from Continuing Operations | 23.4 | (16.6) | 42.5 | 39.2 | 21.5 | (18.2) | 30.9 | 0.8 | 3.5 | (4.5) |
| Net Cash from Discontinued Operations | (1.4) | — | — | — | — | — | — | — | — | — |
| Net Cash - Beginning Balance | 231.8 | 249.8 | 205.4 | 146.7 | 113.2 | 136.8 | 104.4 | 99.8 | 90.1 | 93.4 |
| Net Cash - Ending Balance | 253.7 | 233.2 | 247.9 | 185.9 | 134.8 | 118.6 | 135.3 | 100.5 | 93.7 | 88.9 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 39.7 | 59.0 | 42.3 | 17.0 | 8.3 | 6.2 | 4.9 | 5.3 | 5.1 | 4.7 |
| Interest Paid - Cash Flow - Supplemental | 221.8 | 381.5 | — | — | — | — | — | — | — | — |
| Interest & Dividends - Received - Cash Flow - Supplemental | 373.7 | 501.8 | 1.0 | 1.1 | 0.6 | 0.3 | 0.3 | 0.4 | 0.5 | 0.4 |
| CF from Optg Activities before Change in WC & Int Payments | 274.8 | 412.2 | 57.0 | 40.0 | 24.5 | 25.4 | 26.0 | 14.8 | 10.5 | 11.1 |
| Cash Dividends Paid & Common Stock Buyback - Net | — | — | — | — | — | — | 6.2 | 3.9 | (0.2) | 1.5 |
| Common Stock Buyback - Net | — | — | — | — | — | — | (0.0) | (0.1) | (0.2) | (0.1) |
| Depreciation, Depletion & Amortization - Cash Flow | 11.1 | 9.1 | 7.2 | 5.8 | 4.8 | 4.4 | 3.9 | 2.2 | 2.3 | 2.1 |
| Free Cash Flow to Equity | 160.3 | (99.1) | 739.4 | 466.7 | 262.3 | 193.0 | 75.7 | (136.0) | 26.0 | (33.4) |
| Free Cash Flow Net of Dividends | 435.6 | (368.4) | 331.2 | 338.3 | 189.3 | (23.1) | 111.0 | (79.1) | 2.7 | (42.9) |
| Free Cash Flow | 451.3 | (345.2) | 338.5 | 341.7 | 196.4 | (16.0) | 117.2 | (75.1) | 2.7 | (41.3) |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 10 periods; the table above goes back further.