Arif Habib Corporation LimitedPSX: AHCL

Announcement - Financial Results for the Quarter Ended 30th September 2025

Oct 29, 2025 at 4:46 AM UTC · Issued by Arif Habib Corporation Limited

‌

Arif Habib Corp‌

29" October 2025

The General Manager

Pakistan Stock Exchange Limited Stock Exchange Building

Stock Exchange Road Karachi

FORM-7

Contact: 021-324396 18; 021 -35274381

Fax: 021-111 -573-329

Subj ect: Announcement - Financial Results for the Quarter Ended 30" September 2025 Dear Sir

We have to inform you that Board of Directors in their meeting held on Tuesday, 28" October 2025

at 4: 15 p.m. at Arif Habib Centre, 23 M.T. Khan Road, Karachi recommended the following:

CASH DIVIDEND BONUS SHARES RIGHT SHARES

ANY OTHER ENTITLEMENT/CORPORATE ACTION AND' OTHER PRICE-SENSITIVE INFORMATION

NIL NIL NIL NIL NIL

The financial results of Arif Habib Corporation Limited for the quarter ended 30" September 2025 alone with the required additional statements, are attached herewith as follows

Condensed Interim Unconsolidated Statement of Profit or Loss and Other Comprehensive Income

(Annexure-A-1)

Condensed Interim Unconsol idated Statement of Financial Position (Annexure-A-2) Condensed Interim Unconsol idated Statement of Changes in Equity (Annexure-A-3) Condensed Interim Unconsol idated Statement of Cash Flows (Annexure-A-4)

Condensed Interim Consolidated Statement of Profit or Loss (Annexure-B-1) Condensed Interim Consolidated Statement of Comprehensive Income (Annexure-B-2) Condensed Interim Consolidated Statement of Financial Position (Annexure-B-3) Condensed Interim Consolidated Statement of Changes in Equity (Annexure-B-4) Condensed Interim Consolidated Statement of Cash Flows (Annexure-B-5)

Directors' Review Report (Annexure-C)

The Quarterly Report of the Company for the period ended 30" September 2025 will be transmitted

anz Ra

Arif Habib Corporation Limited

Registered & Corporate Office: ArifHabib Centre, 23, M.T. Khan Road, Karachi - 74000 Phone: +92 21 32460717-9 Fax: +92 21 32468117, 32429653

Email: info@arifhabibcorp.com | Web: https://www.arifhabibcorp.com

‌CONDENSED INTERIM UNCONSOLIDATED STATEMENT OF

PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME (UNAUDITED) FOR THE THREE MONTHS PERIOD ENDED 30 SEPTEMBER 2025

Three months period ended 30 September 30 September

2025 2024

(Rupees)

Dividend income	2,752,228,445	1,088,581,608
Other revenue	40,267,823	33,375,051
Gross revenue	2,792,496,268	1,121,956,659
Gain on sale of securities - net	1,087,311,237	132,604,816
Administrative expenses	(49,041,612)	(42,006,984)
Net finance cost	(74,094,501)	(211,995,344)
Gain on remeasurement of investments - net	14,968,972,961	3,022,842,506
Gain on investment property - net	-	1,200,000
Operating profit	18,725,644,353	4,024,601,653
Other charges	(615,000)	(2,055,472)
Profit before levy and income tax	18,725,029,353	4,022,546,181
Levy	(3,375,000)
Profit before income tax	18,721,654,353	4,022,546,181
Income tax expense	(3,117,324,012)	(683,143,026)
Profit for the period	15,604 330 341	3,339 403,155
Other comprehensive income
Total comprehensive income for the period	15,604,330,341	3,339,403,155
Earnings per share - basic and diluted	3.70	(Restated) 0.79

CONDENSED INTERIM UNCONSOLIDATED STATEMENT OF FINANCIAL POSITION AS AT 30 SEPTEMBER 2025

	Unaudited 30 September	Audited 30 June
	2025	2025
ASSETS	(Rupees)
NON-CURRENT ASSETS
Property and equipment	30,712,273	33,512,000
Investment property	1,753,000,000	1,753,000,000
Long term investments	73,618,477,125	59,498,580,635
Long term loan to related party	180,000,000	140,000,000

Loans and advances		1,855,360,068	1,526,727,252
Mark-up receivable		56,580,978	48,282,736
Prepayments and other receivables		689,801,008	661,394,716
Short term investments		2,749,501,200	2,522,429,927
Cash and bank balances		358,820,692	102,976,469
		5,710,063,946	4,861,811,100
TOTAL ASSETS		81,297,306,524	66,291,797,015
EQUITY AND LIABILITIES
SHARE CAPITAL AND RESERVES
Authorised share capital		10,000,000,000	10,000,000,000
Share capital
Issued, subscribed and paid up share capital	4,216,967,470		4,216,967,470
Revenue reserves
General reserve	4,000,000,000		4,000,000,000
Unappropriated profit	62,280,268,787		46,675,938,446
TOTAL EQUITY	70,497,236,257		54,892,905,916
LIABILITIES
NON-CURRENT LIABILITIES
Deferred taxation - net	7,234,258,303		4,919,384,423
Contributions from musharaka participants	529,770,710		529,770,710
Loan from sponsor	-		3,301,707,946
	7,764,029,013		8,750,863,079
CURRENT LIABILITIES
Running finance under mark-up arrangement		134,752,274		534,837,635
Other payables		1,247,973,792		973,925,751
Current portion of lease liability		9,402,335		17,904,174
Taxation - payments less provision		1,615,717,771		1,092,903,050
Unclaimed dividend		28,195,082		28,457,410
		3,036,041,254		2,648,028,020
TOTAL LIABILITIES		10,800,070,267		11,398,891,099
Contingencies and commitments
TOTAL EQUITY AND LIABILITIES		81,297,306,524		66,291,797,015

Long term deposits and other receivable CURRENT ASSETS

5,053,180 75,587,242,578

4,893,280 61,429,985,915

ARIF HABIB CORPORATION LIMITED

CONDENSED INTERIM UNCONSOLIDATED STATEMENT OF CHANGES IN EQUITY (UNAUDITED) FOR THE THREE MONTHS PERIOD ENDED 30 SEPTEMBER 2025

Reserves

Total

Capital Reserves Revenue Reserves

Issued, Shares to be issued General Unappropriated subscribed under scheme of reserve profit

and paid up arrangement

share capital

- - - (Rupees)

Sub total

Balance as at July 1, 2024

Total comprehensive income for the

three months period ended 30 September 2024 Profit for the period

Other comprehensive income for the period

4,083,750,000 133,217,470 4,000,000,000 25,852,471,316 29,985,688,786 34,069,438,786

3,339,403,155

- 3,339,403,155 3,339,403,155 3,339,403,155

Balance as at September 30, 2024

Transactions with owners of the Company recorded directly in equity - distributions

Final cash dividend at the rate of Rs. 7 per share for the year ended June 30, 2024

4,083,750,000

133,217,470 4,000,000,000 29,191,874,471 33,325,091,941 37,408,841,941

(2,951,877,229) (2,951,877,229) (2,951,877,229)

Effect of scheme of arrangement / merger

133,217,470

(133,217,470)

- (133,217,470)

Total comprehensive income for the

nine months period ended 30 June 2025 Profit for the period

Other comprehensive income for the period

Balance as at June 30, 2025

Total comprehensive income for the

three months period ended 30 September 2025

20,435,941,204

20,435,941,204 20,435,941,204 20,435,941,204

4,216,967,470 4,000,000,000 46,675,938,446 50,675,938,446 54,892,905,916

Profit for the period

15,604,330,341

Other comprehensive income for the period

15,604,330,341

Balance as at September 30, 2025

4,216,967,470

- 4,000,000,000

62,280,268,787

66,280,268,787

70,497,236,257

CONDENSED INTERIM UNCONSOLIDATED STATEMENT OF CASH FLOWS (UNAUDITED) FOR THE THREE MONTHS PERIOD ENDED 30 SEPTEMBER 2025

CASH FLOWS FROM OPERATING ACTIVITIES

Three months period ended 30 September 30 September

2025 2024

(Rupees)

Net cash generated from operations	728,212,373	689,980,888
Long term loan to related party - net	(40,000,000)
Income tax and levies paid	(283,010,411)	(144,001,647)
Interest received	12,049,098	44,630,223
Finance cost paid	(46,289,534)	(142,923,377)
Net cash generated from operating activities	370,961,526	447,686,087
CASH FLOWS FROM INVESTING ACTIVITIES
Acquisition of property and equipment	(3,021,443)	(1,453,669)
Dividend received	2,752,228,445	932,250,567
Proceeds from disposal of property and equipment	86,136	131,778
Acquisition of long term investments	-	(4,645,287,569)
Proceeds from disposal of long term investments	846,547,740	327,776,568
long term deposits and other receivable - net	(159,900)
Net cash generated from / (used in) investing activities	3,595,680,978	(3,386,582,325)
CASH FLOWS FROM FINANCING ACTIVITIES
Loan repaid to sponsor	(3,301,707,946)	(800,000,000)
Payment of lease liability	(9,004,974)	(8,186,341)
Net cash used in financing activities	(3,310,712,920)	(808,186,341)
Net increase / (decrease) in cash and cash equivalents	655,929,584	(3,747,082,579)
Cash and cash equivalents at beginning of the period	(431,861,166)	(455,353,990)
Cash and cash equivalents at end of the year	224,068,418	(4,202,436,569)

‌CONDENSED INTERIM CONSOLIDATED STATEMENT OF PROFIT OR LOSS (UNAUDITED)

FOR THE THREE MONTHS PERIOD ENDED 30 SEPTEMBER 2025

Three months period ended

30 September 30 September

2025 2024

(Rupees)

Revenue	3,328,582,244	3,162,763,083
Gain on remeasurement of investments - net	191,677,246	243,821,178
Gain on remeasurement of investment properties		1,200,000
Gain on sale of investments - net	1,311,762,584	162,428,013
	4,832,022,074	3,5T0,212,274
Cost of energy sales	(491,405,938)	(477,174,613)
Administrative expenses	(774,114,893)	(271,528,338)
Other income	19,462,532	26,654,525
Finance costs	(256,191,156)	(461,388,471)
Other charges	(619,271)	(2,055,471)
	3,329,153,348	2,384,719,906
Share of profit of equity accounted investees - net of tax	2,308,781,727	1,568,098,923
Profit before levies and income tax	5,637,935,075	3,952,818,829
Levies	(3,810,721)	(506,881)
Profit before income tax	5,634,124,354	3,952,311,948
Income tax expense	(1,135,539,418)	(756,941,670)
Profit for the period	4,498,584,936	3,195,370,278
Profit attributable to:
Equity holders of the Parent Company	4,217,015,383	2,904,366,071
Non-controlling interests	281,569,553	291,004,207
	4,498,584,936	3,195,370,278

Earnings per share - basic & diluted

1.00

(Restated)

0.69

CONDENSED INTERIM CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME (UNAUDITED)

FOR THE THREE MONTHS PERIOD ENDED 30 SEPTEMBER 2025

Three months period ended 30 September 30 September

2025 2024

(Rupees)

Profit for the period

Other comprehensive income

Items that may be reclassified subsequently to consolidated statement of profit or loss

16,506,732

Share of other comprehensive income of equity accounted investees - net of tax

Items that will not be reclassified subsequently to consolidated statement of profit or loss

4,498,584,936

3,195,370,278

Other comprehensive income for the period - net of tax		16,506,732
Total comprehensive income for the period	4,498,584,936	3,211,877,010
Total comprehensive income attributable to:
Equity holders of the Parent Company	4,217,015,383	2,920,872,803
Non-controlling interests	281,569,553	291,004,207
	4,498,584,936	3,211,877,010

CONDENSED INTERIM CONSOLIDATED STATEMENT OF FINANCIAL POSITION AS AT 30 SEPTEMBER 2025

ASSETS

NON-CURRENT ASSETS

Unaudited 30 September

2025

(Rupees)

Audited 30 June

2025

Property, plant and equipment	15,311,782,510	15,680,551,145
Intangible assets	681,117	685,389
Goodwill Trading right entitlement certificate, membership cards and offices	910,206,117 5,600,000	910,206,117 5,600,000
Investment properties	1,791,900,000		1,791,900,000
Equity accounted investees	32,507,922,623		31,315,641,617
Other long term investments	7,715,502,733		8,349,314,000
Long term loan to related party	180,000,000		140,000,000
Long term advances, deposits and other receivables	36,484,503		32,240,987
	58,460,079,603		58,226,139,255
CURRENT ASSETS
Trade debts	6,864,346,988		6,456,793,572
Loans and advances	1,865,480,054		1,528,340,074
Deposits and prepayments	467,349,327		405,221,564
Receivable under margin trading system	558,886		2,675,008
Receivable against trading of securities - net			683,091,537
Accrued mark-up and other receivables	1,595,890,181		1,488,824,124
Short term investments	4,850,327,779		3,624,012,681
Cash and bank balances	6,947,956,299		4,208,883,734
	22,591,909,514		18,397,842,294
TOTAL ASSETS	81,051,989,117		76,623,981,549

Continued - Page 1 of 2

ARIF HABIB CORPORATION LIMITED

CONDENSED INTERIM CONSOLIDATED STATEMENT OF FINANCIAL POSITION AS AT 30 SEPTEMBER 2025

EQUITY AND LIABILITIES

SHARE CAPITAL AND RESERVES

Unaudited

30 September

2025

(Rupees)

Audited 30 June

2025

Authorised share capital Share capital	0 000 00 000		10,000,000,000
Issued, subscribed and paid-up share capital	4,216,967,470		4,216,967,470
Capital reserves
Surplus on revaluation	7,835,000		7,835,000
Revenue reserves
General reserve	4,019,567,665		4,019,567,665
Unappropriated profit	46,387,695,970		42,170,680,587
Equity attributable to owners of the Parent Company	54,632,066,105		50,415,050,722
Non-controlling interest	2,855,358,143		2,800,556,060
TOTAL EQUITY	57,487,424,248		53,215,606,782
NON-CURRENT LIABILITIES
Long term loans - secured	2,770,931,494		2,781,327,837
Land lease liability	31,841,658		29,879,210
Lease liability	25,063,541		25,552,453
Staff retirement benefits	56,578,428		53,988,903
Loan from sponsor			3,301,707,946
Contributions from Musharaka participants	529,770,710		529,770,710
Deferred taxation - net	5,705,624,375		5,431,544,964
	9,119,810,206		12,153,772,023
CURRENT LIABILITIES
Trade and other payables		7,331,707,437		5,072,705,566
Accrued mark-up		297,837,270		118,058,516
Sales tax payable		193,765,236		377,749,807
Short term borrowings		1,863,647,558		1,396,611,538
Current portion of long term loans - secured		2,817,500,000		2,841,000,000
Current portion of lease liability		34,315,991		51,361,014
Current portion of land lease liability		12,712,000		12,712,000
Taxation - provision less payments		1,842,244,527		1,333,117,330
Unclaimed dividend		51,024,644		51,286,973
		14,444,754,663		11,254,602,744
TOTAL LIABILITIES		23,564,564,869		23,408,374,767
Contingencies and commitments
TOTAL EQUITY AND LIABILITIES		81,051,989,117		76,623,981,549
				Page 2 of 2

ARIF HABIB CORPORATION LIMITED

CONDENSED INTERIM CONSOLIDATED STATEMENT OF CHANGE IN EQUITY (UNAUDITED) FOR THE THREE MONTHS PERIOD ENDED 30 SEPTEMBER 2025

E u attributable to owners of the Parent Company Issued, Shares to be

interests

subscribed issued Capital reserve Revenue reserves

Non-controlling Total equity

and paid-up under scheme Surplus on General Unappropriated share capital of arrangement revaluation reserve profit

- (Rupees)

Total

Balance as at 1 July 2024

Total comprehensive income for the three months period ended 30 September 2024

Profit for the period

Other comprehensive income

Transactions with owners recorded directly in equity

Acquisition of equity interest in subsidiary without change in control

Balance as at 30 September 2024

Total comprehensive income for the nine months period ended 30 June 2025

Profit for the period

Other comprehensive loss

4,083,750,000 133,217,470 7,835,000 4,019,567,665 34,805,458,414 43,049,828,549 2,364,303,954 45,414,132,503

- 2,904,366,071 2,904,366,071 291,004,207 3,195,370,278

- 16,506,732 16,506,732 - 16,506,732

- - 2,920,872,803 2,920,872,803 291,004,207 3,211,877,010

				(94,966,120)	(94,966,120)	(48,094,269)	(143,060,389)
4,083,750,000	133,217,470	7,835,000	4,019,567,665	37,631,365,097	45,875,735,232	2,607,213,892	48,482,949,124

- 7,484,927,981 7,484,927,981 457,401,695 7,942,329,676

- (35,947,911) (35,947,911) - (35,947,911)

- 7,448,980,070 7,448,980,070 457,401,695 7,906,381,765

Transactions with owners recorded directly in equity
Disposal of equity interest in subsidiary without change in control	42,212,649					42,212,649	39,508,053	81,720,702
Final cash dividend at the rate of Rs. 7 per share for the
year ended 30 June 2024					(2,951,877,229)	(2,951,877,229)		(2,951,877,229)
Effects of scheme of arrangement	133,217,470	(133,217,470)
Distribution by subsidiaries							(303,567,580)	(303,567,580)
Balance as at 30 June 2025	4,216,967,470		7,835,000	4,019,567,665	42,170,680,587	50,415,050,722	2,800,556,060	53,215,606,782
Total comprehensive income for the three months

period ended 30 September 2025

4,217,015,383

281,569,553

4,498,584,936

Profit for the period

Other comprehensive income

-			-	-	4,217,015,383 4,217,015,383		281,569,553 4,498,584,936
Distribution by subsidiaries							(226,767,470)	(226,767,470)
Balance as at 30 September 2025	4,216,967,470	-	7,835,000	4,019,567,665	46,387,695,970	54,632,066,105	2,855,358,143	57,487,424,248

ARIF HABIB CORPORATION LIMITED

CONDENSED INTERIM CONSOLIDATED STATEMENT OF CASH FLOW (UNAUDITED) FOR THE THREE MONTHS PERIOD ENDED 30 SEPTEMBER 2025

Three months period ended

30 September		30 September
2025		2024
	(Rupees)
CASH FLOWS FROM OPERATING ACTIVITIES
Cash generated from operations	3,950,550,316	1,938,461,982
Income taxes paid	(356,143,530)	(181,187,594)
Finance cost paid	(50,882,917)	(255,155,676)
Mark-up and guarantee commission received	101,854,987	121,088,264
Dividend received	297,806,676	55,030,749
Gratuity paid	(634,572)	(219,334)
Net cash generated from operating activities	3,942,550,960	1,678,018,391
CASH FLOWS FROM INVESTING ACTIVITIES
Capital expenditure incurred	(32,493,045)	(4,875,635)
Long term deposit and other receivable paid	(4,243,516)	(6,289,759)
Long term loan to related party - net	(40,000,000)
Proceeds from sale of property, plant and equipment	86,136	131,778
Proceeds from sale of other long term investments	846,547,740	-
Acquisition of equity accounted investees	-	(4,502,227,180)
Proceeds from sale of equity accounted investees	-	284,116,507
Dividend from equity accounted investee	1,116,500,721	877,250,567
Acquisition of equity interest in subsidiary (AHL)	-	(143,060,389)
Net cash generated from / (used in) investing activities	1,886,398,036	(3,494,954,111)
CASH FLOWS FROM FINANCING ACTIVITIES
Loan repaid to sponsor	(3,301,707,946)	(800,000,000)
Lease rentals paid	(28,437,035)	(21,753,990)
Distribution by subsidiary to non-controlling interest	(226,767,470)
Net cash used in financing activities	(3,556,912,451)	(821,753,990)
Net increase / (dec"rease) in cash and cash equivalents	2,272,036,545	(2,638,689,710)
Cash and cash equivalents at beginning of the period	2,812,272,196	2,602,825,243
Cash and cash equivalents at end of the period	5,084,308,741	(35,864,467)

‌DEAR FELLOW SHAREHOLDERS,

The Directors of Arif Habib Corporation Limited (AHCL) present herewith the Directors' report of the Company together with condensed interim consolidated and unconsolidated financial statements for the first quarter ended September 30, 2025.

THE ECONOMY

The first quarter of FY26 reflected cautious optimism, with improving macroeconomic indicators and renewed investor confidence. Inflation averaged 4.2%, down from 9.2% last year, supported by stable commodity prices and prudent fiscal management. The Rupee remained steady, while the State Bank maintained the policy rate at 11%. The KSE-100 index improved by 31.7% during the quarter under review.

Workers' remittances rose 8.4% year-on-year to USD 9.5 billion, and exports grew 11% to USD

6.7 billion. During the first quarter of FY26, the current account recorded a cumulative deficit of

$514 million, indicating contained external pressures.

Following the end of the first quarter, Pakistan and the IMF reached a staff-level agreement on the second review of the 37-month Extended Fund Facility (EFF) and the first review of the 28-month Resilience and Sustainability Facility (RSF), pending Executive Board approval. Upon approval, Pakistan will access about USD 1.2 billion under both arrangements.

FINANCIAL RESULTS

During the three-months period ended September 30, 2025, Arif Habib Corporation Limited delivered a robust financial performance. On a consolidated basis, profit after tax attributable to equity holders stood at PKR 4,217.02 million, compared to PKR 2,904.37 million in the corresponding period last year. Earnings per share (EPS) on a consolidated basis increased to PKR 1.00, up from PKR 0.69 (restated), primarily driven by improved performance of group companies such as Arif Habib Limited, Power Cement, Fatima Fertilizer and Javedan Corporation. While Sachal Energy remains key contributor, its profitability was slightly lower compared to the corresponding quarter.

On an unconsolidated basis, the Company posted a profit after tax of PKR 15,604.33 million, compared to PKR 3,339.40 million in the prior period, resulting in an EPS of PKR 3.70 compared

Page 1 of 3

to PKR 0.79 (restated). This strong performance was primarily attributable to higher dividend income, capital gains, and favourable remeasurement gains on investments.

PERFORMANCE OF SUBSIDIARIES AND ASSOCIATES

The Group companies exhibited an improved performance during the quarter under review. Arif Habib Limited recorded a notable improvement in profitability, with profit after tax increasing to PKR 246.39 million from PKR 136.55 million in the corresponding quarter last year, supported by enhanced market activity. Sachal Energy Development maintained its strong operational performance, posting a profit of PKR 1,538.15 million, moderately lower than the previous year. Fatima Fertilizer Company Limited delivered another solid quarter, with consolidated profit of PKR 11,976.20 million, reflecting continued operational growth. The real estate associate, Javedan Corporation Limited, performed well, posting a profit after tax of PKR 712 million.

Encouragingly, operational improvements and market recovery trends have also begun to reflect positively in the performance of Aisha Steel Mills Limited and Power Cement Limited. Aisha Steel posted a profit after tax of PKR 82.04 million during the quarter, compared to a loss of PKR

843.12 million in the same period last year, driven by higher volumes, improved gross margins, and lower financial costs. Power Cement demonstrated a significant turnaround, recording a profit of PKR 804.36 million against a loss of PKR 492.16 million in the corresponding period last year, primarily due to growing exports, higher demand, improved cost efficiencies, and reduced finance costs.

FUTURE OUTLOOK

Pakistan's economy is expected to remain stable in the current year despite the recent floods in the provinces of Khyber Pakhtunkhwa and Punjab.

Our investee companies are well placed to capitalize on these improving economic conditions. Brokerage activity is gaining traction, fertilizer, power, and real estate remain resilient, while cement and steel are set to benefit from a revival in construction demand. The equity market outlook remains positive, reflecting renewed investor confidence and sustained growth potential. Our Company's consolidated financial performance is expected to strengthen over time, supported by its diversified investments across premium sectors including fertilizers, cement, wind power, securities brokerage and investment, real estate development, and steel.

Page 2 of 3

ACKNOWLEDGEMENT

The Directors are grateful to the Company's stakeholders for their continuing confidence and patronage. We wish to place on record our appreciation and thanks for the faith and trust reposed by our Business Partners, Bankers & Financial Institutions. We thank the Ministry of Finance, the Securities & Exchange Commission of Pakistan, the State Bank of Pakistan, the Competition Commission of Pakistan, Central Depository Company of Pakistan and the Management of Pakistan Stock Exchange for their continued support and guidance which has gone a long way in giving present shape to the Company. We acknowledge the hard work put in by employees of the Company during the year. We also appreciate the valuable contribution and active role of the members of the audit and other committees in supporting and guiding the management on matters of great importance.

For and on behalf of the Board Mr. Arif Habib

Chief Executive

Mr. Asadullah Khawaja

Chairman

Karachi: October 28, 2025

Page 3 of 3

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