Bank Alfalah Limited (PSX: BAFL)

Bank Alfalah Balance Sheet

Financials in millions PKR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	59,297	90,027	78,450	62,494	46,361	62,531
Investment Securities	1,939,222	1,880,387	1,179,056	721,916	530,059	294,086
Trading Asset Securities	5,304	286,469	19,290	103,429	72,366	29,568
Total Investments	1,944,526	2,166,855	1,198,346	825,345	602,426	323,653
Gross Loans	906,271	782,742	771,302	704,682	613,446	547,395
Allowance for Loan Losses	-47,954	-42,237	-33,320	-25,194	-23,585	-18,746
Other Adjustments to Gross Loans	-	-613.55	-942.57	-561.74	-395.71	-574.08
Net Loans	858,317	739,891	737,040	678,927	589,466	528,075
Property, Plant & Equipment	76,329	61,821	48,493	39,562	30,995	29,108
Other Intangible Assets	1,559	1,380	1,304	1,119	1,288	1,260
Accrued Interest Receivable	105,110	83,686	44,334	24,715	19,029	22,386
Other Receivables	22,153	21,607	14,083	4,065	6,560	2,083
Restricted Cash	154,621	144,684	102,438	74,073	73,767	73,680
Other Current Assets	50,084	33,701	22,828	22,979	15,502	18,010
Long-Term Deferred Tax Assets	-	3,619	7,551	1,157	-	-
Other Real Estate Owned & Foreclosed	8,003	1,857	1,585	1,607	1,544	996.09
Other Long-Term Assets	4,319	538.21	267.03	729.99	737.81	5,968
Total Assets	3,284,318	3,349,668	2,256,720	1,736,773	1,387,674	1,067,749
Accrued Expenses	29,120	27,464	19,658	13,355	9,938	8,585
Interest Bearing Deposits	1,280,095	1,294,628	825,475	638,288	487,230	442,447
Non-Interest Bearing Deposits	855,486	790,314	661,361	500,722	394,520	339,828
Total Deposits	2,135,580	2,084,941	1,486,836	1,139,010	881,750	782,275
Short-Term Borrowings	584,026	761,222	336,949	229,896	208,764	87,612
Current Portion of Long-Term Debt	-	14,722	8,810	37,042	2,807	26.14
Current Portion of Leases	1,865	1,852	3,452	3,039	2,357	2,836
Current Income Taxes Payable	7,978	14,386	12,844	10,498	9,577	6,334
Accrued Interest Payable	49,314	41,125	18,094	6,133	4,646	4,251
Other Current Liabilities	97,577	65,277	71,902	43,713	37,307	34,138
Long-Term Debt	158,490	151,147	160,346	125,384	113,552	31,176
Long-Term Leases	23,903	21,048	14,063	10,181	8,106	6,538
Long-Term Unearned Revenue	3,584	3,201	2,591	1,386	962.48	295.26
Long-Term Deferred Tax Liabilities	7,645	-	-	-	2,235	-
Other Long-Term Liabilities	14,707	23,658	19,112	15,263	13,012	10,261
Total Liabilities	3,113,852	3,210,045	2,154,656	1,634,899	1,295,014	978,466
Common Stock	15,772	15,772	15,772	17,772	17,772	17,772
Additional Paid-In Capital	4,731	4,731	4,731	4,731	4,731	4,731
Retained Earnings	111,826	93,950	65,866	59,590	52,163	48,539
Comprehensive Income & Other	38,121	25,465	15,567	19,651	17,887	18,149
Total Common Equity	170,450	139,918	101,936	101,744	92,553	89,191
Minority Interest	16.2	-294.67	127.8	129.89	107.44	92.3
Shareholders' Equity	170,466	139,623	102,063	101,874	92,661	89,283
Total Liabilities & Equity	3,284,318	3,349,668	2,256,720	1,736,773	1,387,674	1,067,749
Total Debt	768,284	949,991	523,619	405,542	335,586	128,189
Net Cash (Debt)	-687,568	-485,579	-350,867	-228,446	-165,111	-11,159
Net Cash Per Share	-435.95	-307.88	-197.93	-128.55	-92.91	-6.28
Filing Date Shares Outstanding	1,577	1,577	1,577	1,777	1,777	1,777
Total Common Shares Outstanding	1,577	1,577	1,577	1,777	1,777	1,777
Book Value Per Share	108.07	88.71	64.63	57.25	52.08	50.19
Tangible Book Value	168,891	138,538	100,631	100,625	91,265	87,931
Tangible Book Value Per Share	107.09	87.84	63.81	56.62	51.35	49.48

Source: S&P Capital IQ. Banks template. Financial Sources.