HBL Habib Bank Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 290.42 +0.34%
Annual · FY2006 – FY2025
Habib Bank Limited (HBL) cash flow statement
Operating activities generated Rs 1.31 tn of cash in FY2025 (Jan – Dec 2025). Capital expenditure was Rs 33.7 bn. Dividends paid to shareholders came to Rs 26.6 bn. Overall, cash increased by Rs 102.8 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 | 1,310.9 | (177.3) | 632.8 | (96.7) | 161.1 | 571.4 | (63.6) | 5.1 | 11.6 | 155.6 | 107.1 | 98.4 | 119.5 | 247.7 | 204.9 | 54.5 | 102.4 | (10.1) | 54.1 | (2.9) |
| Capital expenditure | (33.7) | (30.3) | (22.6) | (27.1) | (16.6) | (8.7) | (7.5) | (12.3) | (19.7) | (4.2) | (5.8) | (4.3) | (3.7) | (4.3) | (4.6) | (1.0) | (1.9) | (2.7) | (3.1) | (1.7) |
| Net cash from investing activities | (1,557.2) | (49.1) | (425.9) | (210.2) | 48.1 | (699.1) | 291.7 | (90.1) | (36.1) | (76.2) | (297.6) | (69.0) | (27.3) | (341.7) | (162.4) | (38.0) | (79.6) | 37.9 | (58.2) | (0.5) |
| Dividends paid | (26.6) | (25.3) | (12.4) | (8.5) | (10.9) | (3.7) | (7.6) | (5.5) | (15.2) | (21.0) | (22.8) | (12.2) | (12.8) | (8.7) | (9.8) | (5.5) | (4.2) | (2.7) | (1.4) | (0.7) |
| Net cash from financing activities | 353.5 | 133.7 | 59.8 | 138.8 | (135.2) | 150.7 | (141.4) | 120.2 | 50.6 | (2.7) | 195.7 | (19.3) | (104.6) | 148.5 | (10.8) | (17.6) | 1.5 | (14.8) | 4.3 | 20.8 |
| Net change in cash | 102.8 | (113.3) | 273.3 | (145.2) | 83.1 | 28.1 | 99.5 | 58.4 | 13.8 | 71.6 | 8.9 | 4.5 | (1.7) | 62.7 | 33.5 | (0.9) | 30.8 | 20.4 | 2.5 | 17.4 |
| 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 | — | -128.0% | — | -160.1% | -71.8% | — | -1,337.3% | -55.8% | -92.5% | +45.2% | +8.8% | -17.6% | -51.8% | +20.9% | +276.0% | -46.8% | — | -118.6% | — | — |
| Capital expenditure | +11.4% | +33.9% | -16.6% | +63.6% | +89.5% | +17.4% | -39.2% | -37.8% | +375.0% | -28.0% | +33.9% | +15.4% | -12.9% | -7.7% | +365.5% | -48.8% | -26.8% | -13.0% | +84.1% | — |
| Net cash from investing activities | — | — | — | -537.5% | — | -339.7% | — | — | — | — | — | — | — | — | — | — | -309.9% | — | — | — |
| Dividends paid | +5.3% | +104.4% | +45.5% | -21.8% | +196.2% | -51.7% | +37.2% | -63.5% | -27.9% | -7.7% | +86.7% | -5.1% | +47.1% | -10.9% | +78.3% | +31.7% | +52.9% | +97.7% | +99.8% | — |
| Net cash from financing activities | +164.4% | +123.7% | -56.9% | — | -189.7% | — | -217.7% | +137.4% | — | -101.4% | — | — | -170.5% | — | — | -1,292.3% | — | -445.5% | -79.4% | — |
| Net change in cash | — | -141.5% | — | -274.8% | +195.5% | -71.7% | +70.5% | +323.1% | -80.8% | +708.1% | +96.4% | — | -102.8% | +87.3% | — | -102.8% | +50.9% | +711.3% | -85.6% | — |
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 15 Oct 2026.
All reported line items 61
| 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 | 148.1 | 120.3 | 113.6 | 77.0 | 62.0 | 53.0 | 28.9 | 21.6 | 53.2 | 56.5 |
| Non-cash Items & Reconciliation Adjustments - Cash Flow | 27.8 | 30.6 | 29.0 | 24.2 | 21.2 | 25.3 | 11.0 | 2.1 | 1.9 | 0.7 |
| Equity Income/(Loss) in Net Earnings - Cash Flow - to Reconcile | (6.5) | (4.8) | (4.4) | (3.0) | (2.6) | (3.0) | (3.5) | (2.7) | (2.1) | (3.8) |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | 2.8 | 14.0 | 7.6 | 3.9 | 6.1 | 6.1 | 1.4 | (3.9) | (1.1) | 0.3 |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 19.8 | 18.2 | 16.4 | 13.6 | 11.4 | 10.6 | 9.3 | 3.5 | 4.0 | 3.5 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 17.0 | 15.5 | 14.1 | 11.8 | 10.4 | 9.8 | 8.7 | 3.2 | 3.3 | 3.1 |
| Amortization - Intangible Assets & Deferred Charges - Cash Flow - to Reconcile | 2.8 | 2.7 | 2.2 | 1.9 | 1.1 | 0.8 | 0.5 | 0.3 | 0.7 | 0.5 |
| Loan Loss Provision including Impairment - Increase/(Decrease) - Cash Flow | 14.7 | 20.6 | 13.5 | 5.9 | 7.6 | 12.1 | 3.4 | 2.0 | 0.5 | 0.5 |
| Impairment - Financial Fixed Assets - Operating - Cash Flow - to Reconcile | (1.9) | (1.7) | (0.2) | 3.9 | (1.3) | (0.3) | 0.6 | 3.3 | 0.6 | 0.2 |
| Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile | (2.2) | (14.4) | (3.8) | (0.0) | (0.1) | (0.1) | (0.1) | (0.1) | (0.0) | (0.1) |
| Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow | (2.2) | (14.4) | (3.8) | (0.0) | (0.1) | (0.1) | (0.1) | (0.1) | (0.0) | (0.1) |
| Financial Assets - Unrealized Gain/(Loss) - Cash Flow - to Reconcile | 1.2 | (1.3) | — | — | — | — | — | — | — | — |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 103.0 | 95.3 | 51.2 | 32.1 | 26.2 | 14.6 | (2.8) | 22.2 | 27.3 | 27.3 |
| Interest & Dividends - Received - Total - Cash Flow | 3.5 | 3.1 | 2.3 | 1.7 | 0.7 | 0.5 | 0.6 | 1.0 | 1.3 | 1.2 |
| Cash Flow from Operating Activities before Changes in Working Capital | 76.5 | 58.8 | 93.7 | 70.8 | 57.8 | 64.3 | 43.2 | 2.5 | 29.1 | 31.1 |
| Working Capital - Increase/(Decrease) - Cash Flow | 1,234.4 | (236.0) | 539.0 | (167.6) | 103.3 | 507.2 | (106.8) | 2.6 | (17.5) | 124.4 |
| Other Assets - Decrease/(Increase) - Cash Flow | (103.9) | 98.9 | (262.6) | 111.4 | (107.3) | 149.3 | (305.1) | 57.4 | (34.4) | 0.8 |
| Lending & Deposits - Due from Banks - Long-Term - Decrease/(Increase) - Cash Flow | (163.5) | 4.3 | 166.0 | (160.9) | (63.6) | 15.1 | 6.0 | (17.4) | (0.9) | (15.7) |
| Investment Securities - Decrease/(Increase) - Operating - Cash Flow | — | — | (0.3) | 0.1 | (0.1) | (0.0) | 0.1 | (0.0) | 0.1 | 0.0 |
| Loans - Customer - Decrease/(Increase) - Cash Flow | 343.9 | (651.1) | (92.3) | (281.4) | (291.2) | (68.6) | (89.9) | (230.9) | (103.5) | (105.0) |
| Other Liabilities - Increase/(Decrease) -Total - Cash Flow | (17.9) | 83.9 | 55.2 | 75.8 | 13.8 | 18.6 | (18.2) | 55.2 | 8.3 | 3.4 |
| Deposits - Increase/(Decrease) - Total - Cash Flow | 1,175.6 | 228.0 | 673.0 | 87.3 | 551.6 | 392.8 | 300.3 | 138.4 | 113.0 | 240.9 |
| Net Cash Flow from Operating Activities | 1,310.9 | (177.3) | 632.8 | (96.7) | 161.1 | 571.4 | (63.6) | 5.1 | 11.6 | 155.6 |
| Capital Expenditures - Net - Cash Flow | 33.2 | 29.7 | 22.3 | 27.0 | 16.2 | 8.5 | 5.4 | 12.2 | 19.6 | 4.1 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 25.1 | 24.4 | 16.9 | 19.4 | 13.2 | 6.6 | 4.0 | 10.7 | 18.8 | 4.1 |
| Property, Plant & Equipment - Purchased - Cash Flow | 25.6 | 25.0 | 17.2 | 19.5 | 13.6 | 6.8 | 6.0 | 10.8 | 18.9 | 4.2 |
| Property, Plant & Equipment Sold - Cash Flow | 0.5 | 0.6 | 0.3 | 0.1 | 0.3 | 0.3 | 2.0 | 0.1 | 0.1 | 0.1 |
| Intangible Assets - Purchased/(Sold) - Net - Total - Cash Flow | 8.1 | 5.3 | 5.4 | 7.6 | 3.0 | 1.9 | 1.4 | 1.5 | 0.8 | — |
| Intangible Assets - Purchased/Acquired - Cash Flow | 8.1 | 5.3 | 5.4 | 7.6 | 3.0 | 1.9 | 1.4 | 1.5 | 0.8 | — |
| Capital Expenditures - Total | 33.7 | 30.3 | 22.6 | 27.1 | 16.6 | 8.7 | 7.5 | 12.3 | 19.7 | 4.2 |
| Acquisition & Disposals of Business - Assets - Sold/(Acquired) - Net - Cash Flow | — | — | — | — | — | — | — | — | — | (3.2) |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | (1,529.5) | (14.6) | (413.7) | (182.6) | 59.7 | (694.6) | 288.8 | (89.5) | (17.8) | (66.0) |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | (1,529.5) | (14.6) | (413.7) | (182.6) | 59.7 | (694.6) | 288.8 | (89.5) | (17.8) | (66.0) |
| Investments - Associated Companies & Joint Ventures - Sold/(Purchased) - Cash Flow | 0.8 | (2.0) | (0.5) | (2.8) | (0.9) | 1.6 | 2.1 | 0.9 | (2.4) | (0.6) |
| Other Investing Cash Flow - Decrease/(Increase) | 4.8 | (2.8) | 10.5 | 2.3 | 5.5 | 2.4 | 6.3 | 10.7 | 3.8 | (2.4) |
| Net Cash Flow from Investing Activities | (1,557.2) | (49.1) | (425.9) | (210.2) | 48.1 | (699.1) | 291.7 | (90.1) | (36.1) | (76.2) |
| Dividends Paid - Cash - Total - Cash Flow | 26.6 | 25.3 | 12.4 | 8.5 | 10.9 | 3.7 | 7.6 | 5.5 | 15.2 | 21.0 |
| Dividends - Common - Cash Paid | 26.6 | 25.3 | 12.4 | 8.5 | 10.9 | 3.7 | 7.6 | 5.5 | 15.2 | 21.0 |
| Minority Interests & Joint Ventures - Net - Cash Flow | — | — | 0.0 | 0.0 | 0.1 | 0.1 | 0.2 | 0.2 | (0.3) | (0.2) |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | 380.1 | 159.0 | 72.1 | 147.2 | (124.5) | 154.3 | (134.0) | 125.5 | 66.1 | 18.5 |
| Debt - Issued/(Reduced) - Long-Term & Short-Term - Cash Flow | 389.1 | 168.9 | 82.1 | 154.0 | (117.8) | 161.9 | (128.7) | 125.5 | 66.1 | 18.5 |
| Debt - Issued - Long-Term & Short-Term - Cash Flow | 389.1 | 168.9 | 82.1 | 154.0 | — | 161.9 | 12.4 | 125.5 | 66.1 | — |
| Debt - Reduced - Long-Term & Short-Term - Cash Flow | — | — | — | 0.0 | 117.8 | 0.0 | 141.1 | 0.0 | 0.0 | — |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (9.0) | (9.9) | (10.0) | (6.8) | (6.6) | (7.6) | (5.3) | — | — | (0.0) |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (6.5) | (5.8) | (5.7) | (4.9) | (5.1) | (4.8) | (5.3) | — | — | — |
| Debt - Reduced - Long-Term - Cash Flow | 9.0 | 9.9 | 10.0 | 6.8 | 6.6 | 7.6 | 5.3 | — | — | — |
| 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 | 6.5 | 5.8 | 5.7 | 4.9 | 5.1 | 4.8 | 5.3 | — | — | — |
| Net Cash Flow from Financing Activities | 353.5 | 133.7 | 59.8 | 138.8 | (135.2) | 150.7 | (141.4) | 120.2 | 50.6 | (2.7) |
| Non-Classified Cash Flows | — | — | — | — | — | — | — | 0.0 | (23.7) | — |
| Foreign Exchange Effects - Cash Flow | (4.4) | (20.7) | 6.7 | 22.9 | 9.2 | 5.1 | 12.7 | 23.1 | 11.3 | (5.0) |
| Net Change in Cash - Total | 102.8 | (113.3) | 273.3 | (145.2) | 83.1 | 28.1 | 99.5 | 58.4 | 13.8 | 71.6 |
| Net Cash from Continuing Operations | 102.8 | (113.3) | 273.3 | (145.2) | 83.1 | 28.1 | 99.5 | 58.4 | 37.5 | 71.6 |
| Net Cash - Beginning Balance | 515.9 | 624.9 | 330.9 | 482.7 | 422.6 | 403.7 | 309.4 | 263.7 | 273.1 | 212.8 |
| Net Cash - Ending Balance | 618.7 | 511.5 | 604.1 | 337.5 | 505.7 | 431.8 | 408.8 | 322.1 | 286.8 | 284.4 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 103.0 | 95.3 | 51.2 | 32.1 | 26.2 | 14.6 | (2.8) | 22.2 | 27.3 | 27.3 |
| Interest & Dividends - Received - Cash Flow - Supplemental | 3.5 | 3.1 | 2.3 | 1.7 | 0.7 | 0.5 | 0.6 | 1.0 | 1.3 | 1.2 |
| CF from Optg Activities before Change in WC & Int Payments | 76.5 | 58.8 | 93.7 | 70.8 | 57.8 | 64.3 | 43.2 | 2.5 | 29.1 | 31.1 |
| Depreciation, Depletion & Amortization - Cash Flow | 19.8 | 18.2 | 16.4 | 13.6 | 11.4 | 10.6 | 9.3 | 3.5 | 4.0 | 3.5 |
| Free Cash Flow to Equity | 1,657.8 | (48.0) | 682.6 | 23.5 | 20.4 | 717.2 | (203.0) | 118.5 | 58.0 | 170.0 |
| Free Cash Flow Net of Dividends | 1,250.6 | (232.8) | 597.8 | (132.3) | 133.6 | 559.0 | (78.6) | (12.7) | (23.3) | 130.4 |
| Free Cash Flow | 1,277.2 | (207.5) | 610.2 | (123.8) | 144.5 | 562.7 | (71.0) | (7.1) | (8.1) | 151.4 |
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.