Bank AL Habib Limited
Fehruary 11, 2026
The General Manager,
Pakistan Stock Exchange Limited (PSX), Stock Exchange Building,
Stock Exchange Road, Karachi.
through PUCARS also
Dear Sir,
FINANCIAL RESULTS FOR THE YEAR ENDED DECEMBER 31, 2025We wish to inform you that the Board of Directors of the Bank in their meeting held on February 11, 2026 at 12:30 p.m. at Principal Office of the Bank located at Mackinnons Building, I.I. Chundrigar Road, Karachi, recommended the following:
(i) C«sl Dividend
A Final cash dividend for the year ended December 31, 2025 at Rs. 4.50 per share i.e. 45%. This is in addition to Interim Cash Dividends already paid at Rs. 10.50 per share i.e. 105%.
Bonus Shores NIL
Right Sheres NIL
Any Other- Entitlement / Corporete Action NIL
Any Other Price-Sensitive Information NIL
The required Standalone and Consolidated Statements of financial Position, Statements of Profit and Loss, Statements of Changes in Equity and Statements of Cash Flows are attached as:
Annexure - A (Standalone) Annexure -- B (Consolidated)
The Annuol General meeting of the Bank will be held on March 30, 2026 at 10:30 a.m. at Multan.
The Share Transfer Books of the Bank will remain closed from March 16, 2026 to March 30, 2026 (both days inclusive). Transfers received at our Share Registrar's Office, CDC Share Registrar Services Limited, located at CDC House 99-B, Block B, S.M.C.H.S., Main Shahra-e-Faisal, Karachi - 74400 at the close of business on March 13, 2026 will be treated in time for the purpose of above entitlement to transferees.
The Annual Report of the Bank will be transmitted through PUCARS atleast 21 days before holding of Annual General Meeting.
Regards,
Yours since ely,
Mohammed Taqi Lakhani Company Secretary
Encl.: As Above
C.C.: Securities and Exchange Commission of Pakistan, Enforcement & Monitoring Division, Islamabad. PI?INCIPAL OFFICE 2nd FLOOI? MACKINNONS BUILDING. I.I. CHUNDPIGAP I?OAD, KAf2ACHI-PAKISTAN
PHONES : (92-21) 32dl2d2l-32dl2986& lll-78Sll0FAX(92-2l)32dl9752 &3240ll7l
EMAIL: info@bonkolhabib.com WEBSITE: www,bonkoIhabib.com
PEGISIE f2ED OFFICE: 1 26-C, OLD BAHAWALPUP I2OAD, MULTAN
BANK AL HABIB LI MITED
UN? ONSOL TDATED STATEMEN T OF FINANC fAL POSITION
AS AT 31 DECEMBER 2025ASSETS
Note 2025 2024
(Rupees in '000)
Cash and balances with treasury bani‹s
Balances with other banks Lendings to financial institutions Investments
Advances
Properly and equipment Right-of-use assets Intangible assets Deferred tax assels Other assets
Total Assets
LIABILITIES
Bills payable Borrowings
Deposits and other accounts Lease liabilities Subordinated debt
Deferred tax liabilities
Other liabililles Total Liabilities
NET ASSETS
5
189,466,913 | 201,532,248 |
7, 496,550 | 5,836,908 |
24,453,908 | 38,941,542 |
2,028,480,131 | 1,924,732,913 |
792,050,395 | 910,850,199 |
82,542,745 | 75.939,019 |
16,828,865 | 13.679,198 |
s3,301 | 129,154 |
• | 4,535,942 |
16z,sg1,os9 | 143,858,082 |
6
?
8
9
J0
11
12
3,303,763,897 3,320,035,205
59,749,478 | 52,263,043 |
290,260,824 | 667,043,213 |
2,599,087,013 | 2.278,956,911 |
20,845,724 | 16,84B,698 |
25,983,600 | 25,988.400 |
1,479,140 | |
13fi,089,767 | 126,946,320 |
15
16
fz
18
19
20
2/
3,132,495,546 3,168,046,585
171,268,361 151,988,620
REPRESENTED BY | |||
Share capital | 22 | 11,114,28s | 11,114,254 |
Reserves | 35,220, 243 | 32,050,356 | |
Surplus on revaluaion of assets | 23 | 29,5Y4, 238 | 21,604,223 |
Unappropriated profit | 95,419,616 | 87,219,787 | |
171,268,351 151,088,620
CONTINGENCIES ATO COMMITMENTS
The annexed notes 1 to 49 and annexures 1 and II form an integral pan of tnese unconsolidated financial slatements.
oirector
Chief Executive
Oirec tor
Chairman
BAA/K AL HABIB LfMIYED
UNCONSOLI DATEO STATEMENT OF PROFIT AND LOSS ACT OUNT FOR Tf-IE YEAR ENDED 31 DECEMBER 2025Mark-up / return / interest earned
Nole 2025 2024
(Rupees in '000/
19,142,568 | 19,439,797 |
996,166 | 867.949 |
7,433,178 | 3,911,135 |
(87,530) | 142, 005 |
959,958 | 1,123,347 |
Mark-up / return / interest expensed Net mark-up / interest income NON MARK-UP I INTEREST INCOME | 2Z | " | (208,518,684 130,621,988 | ) (321,783,242) 156,247,781 |
Fee and commission income | 28 | |||
Dividend income | ||||
Foreign exchange income | ||||
income / (loss) from derivatives | ||||
(Loss) / gain on securities - net Net gain I (loss) on derecognition of ñnancial assets measured at amortised cost | 29 | |||
Other income Total non mark-up I interest income | 30 | 28,444,340 | 25,484,233 | |
Total income | 159,066,328 | 181,732,014 | ||
NON MARK-UP / INTEREST EXPENSES | ||||
Operating expenses | 3J | |||
Workers' welfare fund | ||||
Other char9es | 32 | |||
Total non mark-up / interest expenses | (95,936,023) | (82,999,890j | ||
Profit before credit loss allowance | ||||
Credit loss allowance and write-offs - net | 2,389,480 | (14,890,895) | ||
Otherlncome£expenses | ||||
PROF]T BEFORE TAXATION | 65,519,785 | 83,841,229 | ||
Taxation | 34 | (34,882,377) | (43,979,042) | |
PROFIT AFTER TAXATION | 30,637,408 | 39,862,187 | ||
26 33T,140,672 478,031,023
Basic and diluted earnings per share
(94,499,338) | (80,978,771) |
(1,337,139) | (1 711,Q46) |
(99,546) | (310,073) |
(Rupees)
35 27.57
35.87
The annexed notes 1 to 49 and annexures I and II form an integral part of these unconsolidated financial statements
Chief Executive
Director
chairman
5
BAN R AL HAgTB LT MOVED
UNCON S OL} DATED CASH FLOW STATEMENT
FOR THE YEAR ENDED 31 DECEMBER 2025
Nole
CASH FLOW FROM OP E RATIN G AC TIVITIE$
2025 2024
(Rupees in '000)
Profit before Iaxation
65,519,785
83,841,229
Less: dividend income
Adjustments:
Net mark-up / interest income Depreciation
Depreciation on non-banking asseta acquired in satisfaction of claims Dep eciation on right-of-use assets
Amortisalion Workers' welfare fund
Credit loss allowance and w/ite-offs - net Gain on sale of property and equipment - ne( Gein on termination of leases - net
Unrealised loss / (gain) on revaluation of securities classified as FVPL Cfiarge for compensated absences
Decrease / (increase) in operating assets
Lendings to financiaI institulions Securities classified as FVPL Advances
Others assets (excluding advance taxatlon and mark-up receivable)
(Decrease) / increase in operating liabilities Bills payable
Borrowings
Deposits and other accounts
Other liabilities (excluding mark-up payable)
Interest received Interest paid Income tax paid
Net cash flow generated from operaling activities
CASH FLOW FROM INVESTS NG ACTIV1TI ES
Net investments in amortised cost securities
Net investments in securities classified as FVOCj Net investments in associates
ln'/esments in subsidiarfes Dividends received
Investments in property and equipment Investments in intangible assets
Proceeds from rale of property and equipment
Effect of translation of net investment in foreign branches Net cash flow used In investing activities
CASH FLOW FROM FINANCING ACTIVITIES
Payments ofl subordinaled debt Dividend paid
Payments of lease obligations against right-of-use assets
Net cash flow used in financing activities
{Decrease) / increase in cash and cash equivalents Cash and cash equivalents al beginning of the year Cash and cash equivalents at end of the year
Director Director
(996,166) (867,949)
82,9Z3,780
(130,621,988) | (156,247.781) |
7,656,413 | 5,614,433 |
608 | I.747 |
2,91Z,165 | 2,468,564 |
166,179 | 163,532 |
1,337,139 | 1,711,046 |
(Z,389,480j | f4,890,895 |
(807,945) | (1,015,1 0) |
(117,904) | (91,28Z) |
283,430 | (461,853) |
67T',439 | 243,693 |
(120,903,944) (132.722,116)
(56,380,325) (49,748,836)
14,489,590 | (37,297.084) |
(2,454,524 | 3,152,554 |
117,711,968 | (65,570,080) |
(12,294,301 | (17,914,135) |
117,452,733 (117,628,745)
7,486,435
(376,446,728) 32g,130,102
5,753,750
4,179,940
188,617.113
344,920,401
18,892,963
143,076,441) 556,610,417
17,995,967 " 389,232,836
349,047,861 492,194,218
(205,247,654) (320,046,663)
(54,441,000) (56,679.638)
107,355,174 " 504,700.753
(50,578,025
(25,423,135
(5,886,90
(25,197,373)
(38 ,4#1,126)
(3, 000,000)
996,166 867,g49
(ñ 4,311,434) (13.g19.220)
(100,326) (168,224)
859,240 1,050,205
106,146 (120.735)
(94,338,366) (421,928,524)
4,800 | (3,996,800) |
(18,662,664 | (17,009,566) |
(4,588,344 | (3,780,564) |
(23.255,808) (24,786,930)
10,239,000) 57,985,299
36 205,4 87,585 147, 202.286
36 194,948,585 205, 187.585
BANR AL HABIB LTMI TED
CONSOL TDATED STA 7EMENT OF FT NA rlCIAL POS TTTON190,063,529 | 201,935,630 |
7,552,576 | 5,887,584 |
24,453,908 | 38,94 1,542 |
2,031,294,437 | 1,92G, 109, 06d |
791,490,864 | 910,279,117 |
82,711,235 | 76,057,034 |
16,869,099 | 13,731,222 |
)66,94S | 237,024 |
4,529,802 | |
164,906,911 | 145,422,433 |
AS AT 31 SEC EMBER 2025
Note | 2025 (Rupees | 2024 in '000) | |
ASSETS | |||
Oash and balances with treas‹ ry law ks | 5 | ||
Balances with other banks | 6 | ||
Lendings to financial institutions | F | ||
Investments | 8 | ||
Advances | 9 | ||
Property and equipment | IO | ||
Right-o f-use assels | II | ||
Intangible assets | 12 | ||
Deferred tax assets | |||
Other assets | f3 | ||
Total Assets | 3,309,509,502 | 3,323,130,452 | |
LIABILITIES | |||
Bills payable | IN | ||
Borrowings | f6 | ||
Oeposits and other accoun1s | AZ | ||
Lease liabilities | IB | ||
Subodinaed debt | f9 | ||
Deferred tax Iiabi!ilies | 20 | ||
Other |iabiIities | *I | ||
Total Liabilities | 3,133,157,497 | 3, â67,926,850 |
59,749,478 | 52,263,043 |
290,299,002 | 667, 043,213 |
2,597,997,148 | 2,277,961,527 |
20,889,071 | 16,897,021 |
25,983,600 | 25,988,400 |
1,514,392 | |
136,724,806 | 127,773,646 |
NEW ASSETS
176,352, 005 155,203,602
REPRERENTED BY | ||||
Share capital | 22 | 11,114,254 | 11, 114,254 | |
Reserves | 35,220,243 | 32,050,356 | ||
Surplus on re valuation of assets | 23 | 29,560,2?7 | 21,624,360 | |
Unappropriated profit Equity attributable to the sItareholders of | 100, 264,082 | 90.259, 109 | ||
the Hriding Company | 176,158,856 | 155.048,079 | ||
Non-confrolling inlerest | 2g | 193,149 155,523 | ||
Total Equity | 176,352,005 155,203,602 | |||
CONTINGENCIES AND COMMITMF.NTS | ||||
The annexed notes 1 to 50 and annexures I and II form an inlegral part of lhese consolidated financial statemenis.
Chief Exec*tive
Chief FinanciaI Officcr
"& " "
Director
Director
Chairman
BANK AL TAB B LTM} TED
COMSOL}DAT ED STATEMENT OF PROFIT AND LOSS ACCOUNL FOR EH E YEAR ENDED 31 DEC EMBE R 2025
Mark-up / return / interest earned Mark up / return / interest expensed Net mark-up / interest income
NON MARK•UP / INTEREST INC OME
Fee and commission income Dividend income
Foreign excha°9e income InconJe / (loss) from derivatives (Loss) / aain on securities - net
Net gain / (loss) on derecognition ol financial assets measured at amortised cost
Share of profit from associates Other income
TotaI non mark-up / interes t income
TotaI income
NON MARK-UP / INTERES T EXPENSES
Operating expenses
//orkers' welfare fund Other charges
Total non mark-up / interes t expenses
Profit before credit loss allowance Credit loss allowance and write-offs - net Othe income / expenses
PROFIT BEFORE TAXATION
Taxation
PROFIT AFTER TAXATION
Attributable to:
Shareholders of the Holding Company Non-controlling interest
Basic and diluted earning6 per s hare attributable to equity holders of the Holding Company
Joe 2025 2024(Rupees in '000
27 337,428,319 478 116 610
28 (206,d57,848) (321,646,563)
130,970,471 156,470,047
22,041,148 | 21,944,301 |
391,016 | 363,501 |
7,436,075 | 3,911,135 |
(252,137) | 4g2133 |
1,417,475 | 1.400,547 |
925,774 | 1 106,400 |
29
30
31,959,351 28,868,017
d62,9z9,822 485,838,064
32 (95, 632,314) (01,595,801)
(1,384,919) (1,761,365)
(99,546) (310,073)
(97,116,779) (83,667,239)
65,813,043 101,670,825
34 2,389,480 (14,890 895)
68, 202,523 86,779,930
35 (35,735,299) (44 862, 535)
32,467,224 41 917 395
32,442,552 41,901,765
24,672 15.630
32,467,224 41.917.395
(Rupees)
29.19 37.70The annexed notes 1 to 50 and annexures I and II form an integral part of these consolidated financial statements.
Ch ief Executive
Chief Fin ancial Officer
Director
Director
Ghairman
BAN K AL HAB yB LI MITED
TONSO LI DATED cASH FLOW STATEMENT
FOR TH£ YEA R ENDED 31 DEC EMBER 2025
CASH FLOW FROM OP 5RAT iNG AC TIVITIE 5
Pot before axaon Less: dvdend income
AdjuStm6 ntS:
Net mark-up / iiJ)erest income Oepi+cialion
Depreciation on non-banking assets acquired in satisfaction of chains
Depreciation on right-of-use assets Amorlisalion
Workers' welfare fund
Credit toss allowance and write•ofts • nel Gain on sale of propeny and equipment nel Gain on Termination of leases - net
Share of profil from associales
Unrealised loss / (pain) on revalualiori of securilies classified as FVPL Charge for compensated absences
202S 2024
(Rtjpees In '000)
68,20£,523 86,779,930
{391,016) (363.501)
67,811,507 86,416,429
(130,970,471) | (156,4/0.047) |
y,694,321 | 5,632,847 |
608 | 1,747 |
2,927,488 | 2,4g4,168 |
179,609 | 172,041 |
1,384,919 | 1.761,365 |
(z,389,480) | 14.890.895 |
(807,870 | (1.015.118) |
(117,904 | (91,282) |
(1,417,475 | (1,400,547) |
283,43Q | (461,853) |
677,439 | 243.693 |
7,486,435 | 4,179,940 |
(376,#08,550) | 188,6t7,11J |
320,035,621 | 344,230,2'46 |
6,5 2,7y1 | 19,170,85a |
(4,800 | (3.096.800 |
(1g,66¥,664} | (17.009,566) |
(4,605,832} | (3,815,117 |
(122,555,386) (134 252.091) | |||
{54, 743,879} | {47,835.662) | ||
Decrease / (increase) in operating assets | |||
Lendings|oFnancaliusi¿tons | 14,489,590 | (37,297,084) | |
Securit*e s classified as FVPL | (2,454,524) | 3,074,653 | |
Advances | 117,700,417 | (65.488.857) | |
Olners assets (excluding advance laxal on and mark-up recelvadle) | (13,039,598) | (18,454,171) | |
116,695,885 | (118 16fi,469) | ||
Decrease) / increase in opetating liabiliT ies | |||
Bills payable Borrowings | |||
Deposits and olher accounts Other liabilities (excluding mark up payable) | |||
{42,3?3,723) 556.198.153 | |||
19,578,283 | 390.197.032 | ||
interesl received | 349,338,175 | 492.236.760 | |
nleresI paid | (20$,176,9Z8) | (319.894,221) | |
Income lax paid (55,183,650) (°i7 510,286) | |||
Net oash flow generated from operating activties | 108,555,880 | 505.029,285 | |
CASH FLOW FROM INVESTIHG ACTIVITIES | |||
Net investments in amortised cost securities | (50,435,032) | (27,097, 045) | |
Ned investmenls in seaunties classified as FV4CI | {25,427,161) | (379.069.903) | |
Net investments in associates | {6,003,y89) | {1.836,429) | |
Dividends received | 391,016 | 363,501 | |
Investments in property and equipmenl | (14,400,005) | (14,043.78 I | |
lnyestmens n inlangibe assels | (104,528) | (196,374] | |
Proceeds from sale of property and equipment | 859,353 | ,050.046 | |
Effect of translalion of neI invesIment in fore ign branches | 106,146 | (120.755] | |
Nel cash flow used in investing activities | (95,023.000} | (421.850.720) | |
CASH FLOW FROM FINANCING ACTIVITIES | |||
Payments of sudordinaled debt | › | ||
Dividend paid | |||
Payments of lease obligations againsl rignt-of-use assels | |||
Nel cash flow used in financing activities | (23,273,246) (24 821,483) | ||
(Decrease) / increase In cash and Cash equi'valents | (9,740,416) 58.357.082 | ||
Cash and cash equivalents al depinning of lhe year | AZ | 205,641,6a3 147,28d.fi61 | |
Cash and cash equivalenfs at end of the year | 07 | 195,901,227 205.641.643 | |
)
The annexed notes 1 to 50 and annexures I and II form an inlegral pan of these consolidated financial statements.
Cfiief Executive
6
Chief Financial Office r
Director
^ Director