Bank Al Habib Ltd. · PSX:BAHL
Bank Al Habib — Investor Presentation (November 2025)
43 slides from Bank Al Habib's investor presentation, November 2025
Slide 1: Corporate Briefing Session 2025
CORPORATE BRIEFING 2025 SESSION
Slide 2: Overview
OVERVIEW Bank AL Habib Ltd Incorporation Date – October 1991 Start of Operations – January 1992 Global Presence Branches Pakistan, Bahrain, Malaysia, 1305 Türkiye, UAE, & China * Network as of November 18, 2025
Slide 3: Bank Al Habib Limited & Subsidiaries
BANK AL HABIB LIMITED & SUBSIDIARIES Bank AL Habib Ltd Bank AL Habib Limited AL Habib Asset AL Habib Capital Markets AL Habib Exchange Management Limited (Private) Limited (Private) Limited 100% 66.67% 100% Owned Owned Owned
Slide 4: Vision & Mission
VISION & MISSION Bank AL Habib Ltd VISION STATEMENT TO BE OUR CUSTOMERS’ MOST CONVENIENT AND TRUSTED BANK MISSION STATEMENT TO MAKE BANKING SAFE, SIMPLE, AND PLEASANT
Slide 5: Core Values
CORE VALUES Bank AL Habib Ltd Respect for people Simplicity in Everything Relationships of Trust Values Culture of Ownership Service to Customers Communication & Cooperation
Slide 6: Corporate Information
CORPORATE INFORMATION Bank AL Habib Ltd Abbas D. Habib Mohammad Rafiquddin Mehkari Chairman Director Adnan Afridi Shahid Iqbal Baloch Director Director Anwar Haji Karim Qumail R. Habib Director Executive Director Qasim Habib Mansoor Ali Khan Director Chief Executive Farhana Mowjee Khan Director Huma
Slide 7: Awards & Recognitions
Awards & Recognitions Bank AL Habib Ltd Recognition from J.P. Morgan for Excellence in U.S. Dollar Clearing Award
Slide 8: Awards & Recognitions
Awards & Recognitions Bank AL Habib Ltd “4th Largest Bank in Pakistan Remittance Market” Pakistan Remittance Summit 2024
Slide 9: Awards & Recognitions
Awards & Recognitions Bank AL Habib Ltd “ Outstanding Global Trade Finance Program (GTFP) Issuing Bank 2024”
Slide 10: Best Ad Campaign-2025
BEST AD CAMPAIGN-2025 Bank AL Habib Ltd “Best Campaign: M/s Bond Advertising (Pvt) Ltd Ad of Bank AL Habib Ltd.”
Slide 11: Network
Network Bank AL Habib Ltd Branches Branches Within Pakistan No. of Cities RURAL, 262 UNBANK , 42 534 498 Islamic, 361, 437 445 28% 383 336 1305 1303 287 Conventional, 944, 72% S MALL CITY, BIG CITY , 659 340 Conventional Islamic BIG CITY SMALL CITY RURAL UNBANK 2019 2020 2021 2022 2023 2024 Nov-25 N
Slide 12: Key Performance Highlights – As on Sept 30, 2025
KEY PERFORMANCE HIGHLIGHTS – As on Sept 30 , 2025 Bank AL Habib Ltd Credit Rating PBT PAT Dividend AAA (Long Term) PKR 53.5 Billion PKR 25.4 Billion PKR 10.5 Per Share A1+ (Short Term) -15.35% YOY -23.26% YOY 35% each Quarter Total Assets Deposits Advances Investment - Net Equity (excl surplus) PKR
Slide 13: Key Performance Highlights – As on Sept 30, 2025
KEY PERFORMANCE HIGHLIGHTS – As on Sept 30 , 2025 Bank AL Habib Ltd CD/TD Earning Per Book Value Per CAR Share Share 39% PKR 22.85 PKR 126.87 18.72% Branches Gross ADR PAT to Assets PAT to Opened in 2025 Shareholders Fund 84 38.19% 1.03% 25.02%
Slide 14: Key Performance Highlights – As on Sept 30, 2025
KEY PERFORMANCE HIGHLIGHTS – As on Sept 30 , 2025 Bank AL Habib Ltd YOA COD Spread NPL Ratio 10.49% 6.23% 4.26% 3.70% Net Interest Margin Fee & Commission Cost to Income PKR 99.32 Billion PKR 14.17 Billion 57.06% -15.41% YOY +0.2% YOY
Slide 15: Performance Trend
PERFORMANCE TREND Bank AL Habib Ltd Deposits (Rs in Bln) Advances ( Rs in Bln) 2,498 911 907 2,279 869 815 1,934 734 1,568 1,310 489 510 1,100 904 2019 2020 2021 2022 2023 2024 Sep-25 2019 2020 2021 2022 2023 2024 Sep-25
Slide 16: Performance Trend
PERFORMANCE TREND Bank AL Habib Ltd Assets (Rs in Bln) Equity (Rs in Bln) 3,320 3,283 141 130 2,741 112 2,272 94 1,850 84 1,522 70 1,299 55 2019 2020 2021 2022 2023 2024 Sep-25 2019 2020 2021 2022 2023 2024 Sep-25
Slide 17: Performance Trend
PERFORMANCE TREND Bank AL Habib Ltd Breakup Value Per Share EPS Sep-25 126.87 Sep-25 30.55 2024 117.32 2024 35.87 2023 100.10 2023 35.23 2022 84.89 2022 14.91 2021 75.19 2021 16.83 2020 62.60 2020 16.03 2019 49.93 2019 10.05 * September 2025 EPS is annualized.
Slide 18: Deposit Mix – As on September 30, 2025
DEPOSIT MIX – AS ON SEPTEMBER 30, 2025 Bank AL Habib Ltd Rs. In Billion Sep - 2025 273.4 246.0 (11%) (10%) 975.2 1003.4 (39%) (40%) Fixed deposits Current accounts Savings deposits Current accounts - Remunerative
Slide 19: Investment Mix – As on September 30, 2025
INVESTMENT MIX – AS ON SEPTEMBER 30, 2025 Bank AL Habib Ltd Rs. In Billion Sep-25 Ordinary Shares PIB's 0.7 1423.1 Mutual Funds 6.9 TFCs / Sukuk / FCY bonds 342.4 Others Market Treasury 4.3 Bills, 70
Slide 20: Advances Composition – As on September 30, 2025
ADVANCES COMPOSITION– AS ON SEPTEMBER 30, 2025 Bank AL Habib Ltd 3% 7% 2% 1% 5% Corporate SME Agriculture Commodity Financing Consumer Others 82%
Slide 21: Advances by Segments – As on September 30, 2025
ADVANCES BY SEGMENTS – AS ON SEPTEMBER 30, 2025 Bank AL Habib Ltd Chemical and Pharmaceuticals 4% Iron & Steel 4% Power (electricity), Gas, Water, Sanitary 4% Textile Wholesale and 30% Retail Trade 10% Food and Allied 10% Others Financial 20% 18%
Slide 22: Import, Export, & Home Remittance – Up to September 30, 2025
IMPORT, EXPORT, & HOME REMITTANCE– UPTO SEPTEMBER 30, 2025 Bank AL Habib Ltd USD Mln Remittance, 2,502 Import, 4,457 Export, 3,617
Slide 23: Industry Growth & Market Share
INDUSTRY GROWTH & MARKET SHARE Bank AL Habib Ltd Sep-25 Dec-24 Dec-23 Deposits & BAHL BAHL BAHL BAHL Pak BAHL BAHL Advances Pak Growth Pak Growth Growth Share Growth Share Growth Growth Share Deposits 16.27% 9.88% 6.91% 8.77% 19.29% 7.31% 23.92% 24.16% 6.67% Advances (15.95%) 0.72% 6.88% 37.72% 9.56
Slide 24: Islamic Banking Performance
ISLAMIC BANKING PERFORMANCE Bank AL Habib Ltd PBT Total Assets Total Deposits PKR 12.8 Billion PKR 503 Billion PKR 371 Billion -29.7% YOY 13.5% YTD 16.7% YTD Advances-Net Branches Windows PKR 106.49 Billion 361 08 2.81% YTD
Slide 25: Products & Services
PRODUCTS & SERVICES
Slide 26: Digital Products & Services
DIGITAL PRODUCTS & SERVICES Bank AL Habib Ltd Digital Transactions ATM Amount: 990.4 B Count: 59,814,666 Internet POS Banking/Mobile Banking Amount : 77.9 B Amount : 4433.6 B Count: 17,132,854 Count: 82,716,182 ATM POS Internet Banking/Mobile Banking
Slide 27: Mobile Banking / Mobile App
MOBILE BANKING/ MOBILE APP Bank AL Habib Ltd Card WHT Management Certificate 1.8 Million+ Mobile App Users
Slide 28: Debit/Credit Card
DEBIT/ CREDIT CARD Bank AL Habib Ltd Debit Credit Card Card Visa Signature UnionPay Debit Card PayPak Debit Card Mastercard Gold Visa Platinum UnionPay Apna Debit Card Visa Gold Mastercard Classic AL Habib Digital AL Habib Woman AL Habib Remit AL Habib Digital Visa Silver Account Gold Debit Card Deb
Slide 29: AL Habib Digital Accounts
AL HABIB DIGITAL ACCOUNTS Bank AL Habib Ltd AL Habib Digital Accounts SAVINGS FOREIGN CURRENCY CURRENT • Asaan Digital Account • Roshan Digital Account Saving • Asaan Digital Account • Digital Account • Roshan Digital Account Current • Digital Account • Remit Saving Digital • Remit Current Digital •
Slide 30: POS Machines
POS MACHINES Bank AL Habib Ltd 21.8K+ POS Machines 220 Million Transactions Rs. 300 Billion+ Of Business through POS * Over 21,000 POS machines are installed at different point of sales in association with Wemsol
Slide 31: AL Habib Bank on Wheels
AL HABIB BANK ON WHEELS Bank AL Habib Ltd Services for Everyone Services Exclusively for Bank AL Habib Customers
Slide 32: Cash Deposit Machine
CASH DEPOSIT MACHINE Bank AL Habib Ltd Total Cash Deposited Total Machines Deployed PKR 32.1 106 Billion CDMs/CRMs Total Transactions Cities Covered 216,578 29
Slide 33: AL Habib Products
AL HABIB PRODUCTS Bank AL Habib Ltd AL Habib Woman Social Media Presence AL Habib Woman offers a host of accounts customized AL Habib has over 1 million plus presence on to meet your daily and long-term needs. It is a banking different social media platforms such as Facebook , platform tailored excl
Slide 34: AL Habib Mahana Munafa Account
AL HABIB MAHANA MUNAFA ACCOUNT Bank AL Habib Ltd
Slide 35: AL Habib Current Plus & Apna Current Account
AL HABIB CURRENT PLUS & APNA CURRENT ACCOUNT Bank AL Habib Ltd
Slide 36: AL Habib Signature Account
AL HABIB SIGNATURE ACCOUNT Bank AL Habib Ltd
Slide 37: Balance Sheet - Assets
BALANCE SHEET - ASSETS Bank AL Habib Ltd Rs. In Million Change over Dec-24 Change over Dec-23 Change over Dec-23 Sep-25 Sep-24 Dec-24 Amount % Amount % Amount % Cash & Banks 184,884 (22,485) (10.84%) 183,514 35,117 23.66% 207,369 58,972 39.74% Lending to FI 54,407 15,466 39.72% - (1,650) (100.00%) 3
Slide 38: Balance Sheet - Liabilities
BALANCE SHEET - LIABILITIES Bank AL Habib Ltd Rs. In Million Change over Dec-24 Change over Dec-23 Change over Dec-23 Sep-25 Sep-24 Dec-24 Amount % Amount % Amount % Bills Payable 40,327 (11,936) (22.84%) 29,175 (18,908) (39.32%) 52,263 4,180 8.69% Borrowings 413,154 (253,889) (38.06%) 466,975 (10,4
Slide 39: Profit & Loss Account
PROFIT & LOSS ACCOUNT Bank AL Habib Ltd Rs. In Million Change over Sep-24 Change over Sep-23 Change over Dec-23 Sep-25 Sep-24 Dec-24 Amount % Amount % Amount % Mark up / Interest Earned 260,404 (106,758) (29.08%) 367,162 105,817 40.49% 478,031 104,129 27.85% Mark up / Interest Expensed 161,088 (88,6
Slide 40: Key Financial Data for Last Six Years
KEY FINANCIAL DATA FOR LAST SIX YEARS
Slide 41: Six Years Data
SIX YEARS DATA Bank AL Habib Ltd Rs. In Million Particulars 2024 2023 2022 2021 2020 2019 Total Customer Deposits 2,278,957 1,934,037 1,568,138 1,309,823 1,099,686 903,703 Total Advances 910,850 869,459 813,535 733,799 510,252 488,669 PBT 83,841 71,128 32,884 30,273 28,581 19,011 PAT 39,862 35,319 1
Slide 42: Q & A
Q & A
Slide 43: Thank You
Bank AL Habib Ltd Thank You
Bank Al Habib — Investor Presentation (November 2025) on 6ix