Bank Al Habib Ltd. · PSX:BAHL
Bank Al Habib — Investor Presentation (2026)
47 slides from Bank Al Habib's investor presentation, 2026
Slide 1: Corporate Briefing Session 2026
CORPORATE BRIEFING SESSION 2026
Slide 2: Overview
OVERVIEW Incorporation Date: October 1991 Start of Operation: January 1992 Global Presence Pakistan, Bahrain, Malaysia, Turkey, UAE & China No. of Branches: 1331 * Network as of April 09, 2026
Slide 3: Bank Al Habib Limited & Subsidiaries
BANK AL HABIB LIMITED & SUBSIDARIES Bank AL Habib Limited AL HABIB AL HABIB AL HABIB Asset Management Capital Markets Exchange Company Limited (Private) Limited (Private) Limited 100%(Owned) 66.67%(Owned) 100%(Owned)
Slide 4: Vision & Mission
VISION & MISSION VISION STATEMENT TO BE OUR CUSTOMERS’ MOST CONVENIENT & TRUSTED BANK MISSION STATEMENT TO MAKE BANKING SAFE, SIMPLE & PLEASANT
Slide 5: Core Values
CORE VALUES Simplicity in Everything Culture of Respect for People Ownership Values Relationships of Communication & Trust Coorperation Service to Customers
Slide 6: Corporate Information
CORPORATE INFORMATION Chairman Executive Director Directors Chief Executive • Abbas D. Habib • Qumail R. Habib • Aamir Amin • Mansoor Ali Khan (NIT Nominee – SBP Clearance Awaited) • Anwar Haji Karim • Qasim Habib • Farhana Mowjee Khan • Humayun Bashir • Mohammad Rafiquddin Mehkari • Shoaib Javed Hu
Slide 7: Network
Network Branches Domestic Branches Cities 43 600 543 498 269 500 392 435 447 381 400 1320 334 1323 661 300 200 931 347 100 0 2020 2021 2022 2023 2024 2025 Conventional Islamic Big City Small City Rural Unbanked 165 228 9 Foreign Branches Representative Offices 1711 China 1316 Turkey UAE Bahrain Mala
Slide 8: Key Performance Highlights - As on Dec 31, 2025
Key Performance Highlights- As on Dec 31,2025 PBT PAT Total Assets Total Deposits PKR 65.5 Billion PKR 30.6 Billion PKR 3,304 Billion PKR 2,599 Billion -21.85% YOY -23.14% YOY -0.49% YOY +14.05% YTD Equity(Before Advances-Net Investments-Net Revaluation) Gross ADR PKR 792 Billion PKR 2,028 Billion P
Slide 9: Key Performance Highlights - As on Dec 31, 2025
Key Performance Highlights- As on Dec 31,2025 Earning Per Share Break up Value Dividend PAT to Per Share Shareholder Fund PKR. 27.57 PKR. 127.55 PKR. 15 per share 22.52% Fee & Commission NPL Ratio PAT to Assets Cost to Income PKR 19.14 Billion -1.50% YTD 4.26% 0.93% 59.38%
Slide 10: Key Performance Highlights - As on Dec 31, 2025
Key Performance Highlights- As on Dec 31,2025 Branches Opened CD/TD CAR in 2025 102 36% 17.05%
Slide 11: Performance Trend: Assets and Equity
PERFORMANCE TREND Assets (Rs in Billion) Equity (Rs in Billion) 150 3,500 3,304 142 3,320 140 3,000 130 2,744 130 2,500 120 2,272 112 110 2,000 1,850 100 94 1,522 1,500 90 84 1,000 80 70 70 500 60 - 50 2020 2021 2022 2023 2024 2025 2020 2021 2022 2023 2024 2025
Slide 12: Performance Trend: Deposits and Advances
PERFORMANCE TREND Deposits (Rs in Billion) Advances (Rs in Billion) 3,000 1,000 2,599 911 869 2,500 815 792 2,279 734 2,000 1,934 1,568 510 1,500 1,310 500 1,100 1,000 500 - - 2020 2021 2022 2023 2024 2025 2020 2021 2022 2023 2024 2025
Slide 13: Performance Trend: Breakup Value per Share and EPS
PERFORMANCE TREND Breakup Value per Share EPS 127.55 27.57 117.32 35.87 100.68 31.78 84.89 14.91 75.19 16.83 62.60 16.03 2020 2021 2022 2023 2024 2025 2020 2021 2022 2023 2024 2025
Slide 14: Deposit Mix - As on December 31, 2025
DEPOSIT MIX– AS ON DECEMBER 31, 2025 Rs. In Billion 10% 263.34 36% 934.82 Current Account Current Account Remunerative Saving Deposit 1025.68 Fixed Deposit 39% 375.25 14%
Slide 15: Investment Mix - As on December 31, 2025
INVESTMENT MIX – AS ON DECEMBER 31, 2025 Rs. In Billion 8.6 72.0 15.3 360.6 PIB's TFCs / Sukuk / FCY bonds Market Treasury Bills Mutual Funds Others 1,572.0
Slide 16: Advances Composition - As on December 31, 2025
ADVANCES COMPOSITION– AS ON DECEMBER 31, 2025 Rs. In Billion 2.11% 1.30% 9.30% 4.56% Corporate 6.49% SME Agriculture Commodity Financing Consumer Staff Loans 76.25%
Slide 17: Advances by Segments - As on December 31, 2025
ADVANCES BY SEGMENTS – AS ON DECEMBER 31, 2025 Rs. In Billion 23.4% 196.65 33.0% Textile 277.40 Financial Food and Allied 4.3% 35.68 Wholesale and Retail Trade Power (electricity), Gas, Water, Sanitary 30.58 3.6% Chemical and Pharmaceuticals 61.66 37.62 Iron & Steel 7.3% 4.5% Others 93.06 106.80 11.
Slide 18: Import, Export & Home Remittance - Up to Dec 31, 2025
IMPORT, EXPORT, & HOME REMITTANCE– UPTO DEC 31, 2025 USD in Million 2,900 6,118 Import Export Remittance 4,927
Slide 19: Industry Growth & Market Share
INDUSTRY GROWTH & MARKET SHARE Dec-25 Dec-24 Deposits & BAHL BAHL BAHL BAHL Advances Pak Growth Pak Growth Growth Share Growth Share Deposits 19.39% 14.62% 7.02% 8.77% 19.29% 7.31% Advances (11.65%) (13.03%) 5.65% 29.61% 9.56% 5.74%
Slide 20: Islamic Banking Performance
ISLAMIC BANKING PERFORMANCE PBT Total Assets Total Deposits Rs. 17.41 Bln Rs. 555.70 Bln Rs. 413.43 bln -25.98% 25.51% 30.17% Branches Advances-Net 392 Windows Rs. 151.7 Bln 102 Branches 08 46.41% opened in 2025
Slide 21: Digital Products & Services
DIGITAL PRODUCTS & SERVICES POS ATM Amount: 400 Billion + Amount: 1,300 Billion + 400 + Count: 80 Million + Count: 75 Million + 1300 + 4500 + Internet Banking/Mobile Banking Amount: 4,500 Billion + Count: 85 Million +
Slide 22: Mobile Banking / Mobile App
MOBILE BANKING/ MOBILE APP Card WHT Management Certificate 1.9 Million+ Mobile App Users
Slide 23: POS Machines
POS MACHINES 21.0K+ POS Machines 80 Million+ Transactions Rs. 415 Billion+ Of Business through POS * Over 21,000 POS machines are installed at different point of sales in association with Wemsol
Slide 24: CDMs/CRMs
CASH DEPOSIT MACHINE Total Cash Deposited Total Machine Deployed PKR 45 Billion + 165 CDMs/CRMs Cities Covered Total Transactions 55 300 K+
Slide 25: Balance Sheet - Assets
BALANCE SHEET - ASSETS Rs. In Million Change over Dec-24 Change over Dec-23 Dec-25 Dec-24 Amount % Amount % Cash & Banks 196,663 (10,706) (5.16%) 207,369 58,972 39.74% Lending to FI 24,454 (14,488) (37.20%) 38,942 37,292 2260.09% Investments-Net 2,028,480 103,747 5.39% 1,924,733 420,838 27.98% Advan
Slide 26: Balance Sheet - Liabilities
BALANCE SHEET - LIABILITIES Rs. In Million Change over Dec-24 Change over Dec-23 Dec-25 Dec-24 Amount % Amount % Bills Payable 59,749 7,486 14.32% 52,263 4,180 8.69% Borrowings 290,261 (376,782) (56.49%) 667,043 189,605 39.71% Deposits 2,599,087 320,130 14.05% 2,278,957 344,920 17.83% Lease liabilit
Slide 27: Profit & Loss Account
PROFIT & LOSS ACCOUNT Rs. In Million Change over Dec-24 Change over Dec-23 Dec-25 Dec-24 Amount % Amount % Mark up / Interest Earned 337,141 (140,890) (29.47%) 478,031 104,129 27.85% Mark up / Interest Expensed 206,519 (115,264) (35.82%) 321,783 72,028 28.84% Net Mark up / Interest Income 130,622 (2
Slide 28: Key Business Risk
KEY BUSINESS RISK a. Credit Risk – the risk of loss arising from failure by a client or counterparty to meet its contractual obligations. b. Liquidity Risk – the risk of loss arising from an institution’s inability to meet obligations as they fall due or to fund growth in assets, without incurring u
Slide 29: Key Business Risk
KEY BUSINESS RISK e. Strategic Risk – the risk of loss resulting from an institution’s strategic business decisions or inadequate implementation of those decisions. f. Reputation Risk – the risk of loss arising from negative public opinion, which may affect an institution’s ability to establish new
Slide 30: Key Financial Metrics For Last Six Years
Key Financial Metrics For Last Six Years
Slide 31: Key Financial Metrics
KEY FINANCIAL METRICS Rs. In Million Particulars 2025 2024 2023 2022 2021 Total Deposits 2,599,087 2,278,957 1,934,037 1,568,138 1,309,823 Total Advances 792,050 910,850 869,459 813,535 733,799 PBT 65,520 83,841 71,128 32,884 30,273 PAT 30,637 39,862 35,319 16,570 18,702 Shareholder's Equity (Exl Re
Slide 32: Awards & Recognitions
AWARDS & AWARDS RECOGNITIONS
Slide 33: 2nd Highest Export Bank Award
“ 2nd Highest Export Bank Award by Ministry of Commerce, Government of Pakistan and Trade Development Authority of Pakistan”
Slide 34: Recognition from J.P. Morgan for Excellence in U.S. Dollar Clearing
Recognition from J.P. Morgan for Excellence in U.S. Dollar Clearing Award
Slide 35: 4th Largest Bank in Pakistan Remittance Market
“4th Largest Bank in Pakistan Remittance Market” Pakistan Remittance Summit 2025
Slide 36: Outstanding Global Trade Finance Program Issuing Bank 2024
“ Outstanding Global Trade Finance Program (GTFP) Issuing Bank 2024”
Slide 37: Other Awards
OTHER AWARDS • “Financial Literacy Champion Bank Award” in Large Bank Category for Financial Year 2023 & 2024 from State Bank of Pakistan at Pakistan. Financial Literacy Week 2025 for continued focus on spreading financial awareness and building stronger, more informed communities.” • “National Fina
Slide 38: Best Ad Campaign-2025
BEST AD CAMPAIGN-2025 “Best Campaign: M/s Bond Advertising (Pvt) Ltd ad of Bank AL Habib Ltd.”
Slide 39: Products & Services
Products & Services
Slide 40: Debit/Credit Card
DEBIT/ CREDIT CARD Debit Credit Card Card Visa Signature UnionPay Debit Card PayPak Debit Card Mastercard Gold Visa Platinum UnionPay Apna Debit Card Visa Gold Mastercard Green AL Habib Digital AL Habib Woman AL Habib Remit AL Habib Digital Visa Silver Account Gold Debit Card Debit Card Account Clas
Slide 41: Al Habib Digital Account
Al Habib Digital Account Saving Account Current Account • Asaan Digital Account • Asaan Digital Account • Remit Saving • Remit Current Digital • Woman Saving Account • Woman Current Account • Woman Asaan Saving • Women Asaan Current Foreign Currency Account Al Habib Freelancer Account • Current Acco
Slide 42: Bank on Wheels
BANK ON WHEELS Services for Everyone Services Exclusively for Bank AL Habib Customers
Slide 43: Al Habib Products
AL HABIB PRODUCTS AL Habib Woman Social Media Presence AL Habib Woman offers a host of accounts customized to meet your AL Habib has over 1 million plus daily and long-term needs. It is a banking platform tailored exclusively presence on different social media for women from all walks of life to ass
Slide 44: Al Habib Mahana Munafa Account
AL HABIB MAHANA MUNAFA ACCOUNT
Slide 45: Al Habib Current Plus & Apna Current Account
AL HABIB CURRENT PLUS & APNA CURRENT ACCOUNT
Slide 46: Al Habib Signature Account
AL HABIB SIGNATURE ACCOUNT AL Habib ACCOUNT BANKING EXPERIENCE PERSONALIZED FOR YOU AL Habib Signature Account offers personalized banking joges, available in both Conventional = FREE ve A maintaining Monthly KR 3 Million”
Slide 47: Thank You
THANK YOU