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%
Financials
Bank AL Habib Limited (BAHL) financials
20 years of annual results (FY2006 – FY2025), 80 quarters.
Bank AL Habib Limited (BAHL) reported total income of Rs 158.9 bn for FY2025 (Jan – Dec 2025), down 12.1% from FY2024.
Profit attributable to shareholders was Rs 32.4 bn (EPS Rs 29.19), down 22.6%.
It declared a dividend of Rs 15.00 per share for FY2025 and has paid a dividend in each of the last 20 years.
Deposits stood at Rs 2.62 tn and net advances at Rs 756.6 bn, an advances-to-deposits ratio of 28.9%.
Return on equity was 19.6%.
Over the last five years total income grew at a compound 18.9% a year.
At Rs 151.48 (close on 16 Oct 2026) the shares trade at 6.0× earnings (TTM to Jun 2026) and 0.91× book value, with a dividend yield of 9.9%.
Fundamentals
BAHL at a glance
Total income · FY2025
Rs 158.9 bn
▼ 12.1% year on year
Profit attributable to shareholders · FY2025
Rs 32.4 bn
▼ 22.6% year on year
EPS – basic (Rs) · FY2025
Rs 29.19
▼ 22.6% year on year
Dividend per share (Rs) · FY2025
Rs 15.00
▼ 11.8% year on year
Deposits · FY2025
Rs 2.62 tn
▲ 14.3% year on year
Return on equity (ROE) · FY2025
19.6%
-9.7 pts year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Total income · FY2025
- Rs 158.9 bn
- Profit attributable · FY2025
- Rs 32.4 bn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 3.31 tn
- Equity · FY2025
- Rs 176.2 bn
Financial highlights
BAHL financial results
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net interest income | 131.4 | 156.8 | 124.8 | 78.0 | 56.0 | 58.1 | 41.6 | 31.3 | 26.3 | 25.2 |
| Total non-interest income | 27.6 | 23.9 | 20.0 | 18.3 | 12.0 | 8.7 | 7.8 | 6.2 | 6.8 | 3.6 |
| Total income | 158.9 | 180.8 | 144.8 | 96.3 | 68.0 | 66.8 | 49.4 | 37.5 | 33.1 | 28.9 |
| Operating expenses | (96.2) | (97.9) | (78.0) | (55.5) | (38.5) | (37.1) | (29.2) | (23.0) | (19.0) | (16.0) |
| Provisions & impairment (loans) | 1.1 | 14.1 | 7.7 | 4.0 | 0.2 | 3.0 | 1.7 | (0.1) | (0.2) | (0.4) |
| Profit before tax | 68.2 | 86.8 | 72.0 | 33.1 | 30.2 | 28.7 | 19.0 | 14.3 | 13.9 | 13.2 |
| Profit attributable to shareholders | 32.4 | 41.9 | 35.9 | 16.7 | 18.6 | 17.9 | 11.2 | 8.5 | 8.5 | 8.1 |
| EPS – basic (Rs) Rs | 29.19 | 37.70 | 32.33 | 15.01 | 16.72 | 16.15 | 10.07 | 7.61 | 7.65 | 7.33 |
| Dividend per share (Rs) Rs | 15.00 | 17.00 | 14.00 | 7.00 | 7.00 | 4.50 | 3.50 | 2.50 | 3.00 | 3.50 |
| Advances (net) | 756.6 | 887.5 | 808.3 | 785.8 | 701.6 | 484.3 | 457.4 | 455.3 | 318.8 | 247.2 |
| Deposits | 2,617.6 | 2,290.7 | 1,944.4 | 1,577.8 | 1,317.7 | 1,105.6 | 910.8 | 803.3 | 697.1 | 584.2 |
| Total assets | 3,309.5 | 3,323.1 | 2,745.3 | 2,272.7 | 1,850.2 | 1,522.8 | 1,299.1 | 1,048.7 | 944.6 | 751.8 |
| Equity attributable to shareholders | 176.2 | 155.0 | 130.7 | 95.6 | 90.3 | 80.3 | 61.8 | 49.9 | 46.2 | 42.8 |
| 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 | 130.0 | 32.8 | 32.7 | 31.4 | 33.1 | 33.1 | 33.7 | 39.8 | 42.8 |
| Total non-interest income | 29.9 | 9.5 | 7.4 | 7.1 | 5.9 | 6.9 | 7.7 | 5.9 | 5.4 |
| Total income | 159.8 | 42.3 | 40.1 | 38.4 | 39.0 | 40.1 | 41.4 | 45.7 | 48.2 |
| Operating expenses | (105.9) | (28.3) | (25.2) | (25.7) | (26.7) | (22.5) | (21.3) | (25.3) | (25.2) |
| Provisions & impairment (loans) | 3.6 | 0.6 | 1.4 | 0.1 | 1.6 | (0.4) | (0.3) | 2.4 | 4.5 |
| Profit before tax | 60.4 | 16.8 | 15.3 | 12.8 | 15.4 | 18.6 | 21.3 | 21.9 | 23.6 |
| Profit attributable to shareholders | 28.1 | 8.1 | 7.3 | 5.8 | 6.9 | 9.1 | 10.7 | 7.6 | 12.7 |
| EPS – basic (Rs) Rs | 25.24 | 7.31 | 6.54 | 5.20 | 6.19 | 8.15 | 9.65 | 6.83 | 11.46 |
| Dividend per share (Rs) Rs | 15.00 | 3.50 | 3.50 | 4.50 | 3.50 | 3.50 | 3.50 | 6.50 | 3.50 |
| Advances (net) | 818.1 | 818.1 | 825.6 | 756.6 | 909.8 | 869.8 | 903.7 | 887.5 | 709.3 |
| Deposits | 2,903.3 | 2,903.3 | 2,817.3 | 2,617.6 | 2,498.5 | 2,492.2 | 2,394.1 | 2,290.7 | 2,233.0 |
| Total assets | 3,685.7 | 3,685.7 | 3,636.8 | 3,309.5 | 3,287.6 | 3,301.2 | 3,426.1 | 3,323.1 | 3,053.2 |
| Equity attributable to shareholders | 185.6 | 185.6 | 161.3 | 176.2 | 170.5 | 167.0 | 156.7 | 155.0 | 153.2 |
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 16 Oct 2026.