Bank Alfalah Limited (PSX:BAFL)

Bank Alfalah Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	100,418	56,483	90,027	78,450	62,494	46,361
Investment Securities	1,455,249	1,811,214	1,880,387	1,179,056	721,916	530,059
Trading Asset Securities	224,785	284,104	286,469	19,290	103,429	72,366
Total Investments	1,680,034	2,095,318	2,166,855	1,198,346	825,345	602,426
Gross Loans	1,079,663	1,164,529	782,742	771,302	704,682	613,446
Allowance for Loan Losses	-47,489	-46,887	-42,237	-33,320	-25,194	-23,585
Other Adjustments to Gross Loans	-	-450.4	-613.55	-942.57	-561.74	-395.71
Net Loans	1,032,174	1,117,191	739,891	737,040	678,927	589,466
Property, Plant & Equipment	95,567	89,040	61,821	48,493	39,562	30,995
Other Intangible Assets	1,521	1,560	1,380	1,304	1,119	1,288
Accrued Interest Receivable	74,044	84,397	83,686	44,334	24,715	19,029
Other Receivables	11,830	27,778	21,607	14,083	4,065	6,560
Restricted Cash	160,142	173,179	144,684	102,438	74,073	73,767
Other Current Assets	40,245	41,183	33,701	22,828	22,979	15,502
Long-Term Deferred Tax Assets	-	-	3,619	7,551	1,157	-
Other Real Estate Owned & Foreclosed	8,785	7,830	1,685	1,585	1,607	1,544
Other Long-Term Assets	767.17	2,017	710.53	267.03	729.99	737.81
Total Assets	3,229,097	3,717,056	3,349,668	2,256,720	1,736,773	1,387,674
Accrued Expenses	38,616	33,989	27,578	19,658	13,355	9,938
Interest Bearing Deposits	1,226,155	1,319,232	1,294,628	825,475	638,288	487,230
Non-Interest Bearing Deposits	940,130	816,872	790,314	661,361	500,722	394,520
Total Deposits	2,166,285	2,136,105	2,084,941	1,486,836	1,139,010	881,750
Short-Term Borrowings	550,951	1,012,902	761,222	336,949	229,896	208,764
Current Portion of Long-Term Debt	-	63,971	15,395	8,810	37,042	2,807
Current Portion of Leases	2,383	2,062	1,835	3,452	3,039	2,357
Current Income Taxes Payable	438.48	-	14,386	12,844	10,498	9,577
Accrued Interest Payable	21,303	36,730	41,125	18,094	6,133	4,646
Other Current Liabilities	76,691	92,282	60,829	71,902	43,713	37,307
Long-Term Debt	85,794	80,487	150,474	160,346	125,384	113,552
Long-Term Leases	29,378	27,494	21,065	14,063	10,181	8,106
Long-Term Unearned Revenue	4,928	4,064	3,201	2,591	1,386	962.48
Long-Term Deferred Tax Liabilities	18,511	19,459	-	-	-	2,235
Other Long-Term Liabilities	38,528	26,124	27,993	19,112	15,263	13,012
Total Liabilities	3,033,806	3,535,669	3,210,045	2,154,656	1,634,899	1,295,014
Common Stock	15,772	15,772	15,772	15,772	17,772	17,772
Additional Paid-In Capital	4,731	4,731	4,731	4,731	4,731	4,731
Retained Earnings	124,756	114,616	93,950	65,866	59,590	52,163
Comprehensive Income & Other	50,032	46,246	25,465	15,567	19,651	17,887
Total Common Equity	195,291	181,365	139,918	101,936	101,744	92,553
Minority Interest	-	21.7	-294.67	127.8	129.89	107.44
Shareholders' Equity	195,291	181,387	139,623	102,063	101,874	92,661
Total Liabilities & Equity	3,229,097	3,717,056	3,349,668	2,256,720	1,736,773	1,387,674
Total Debt	668,506	1,186,916	949,991	523,619	405,542	335,586
Net Cash (Debt)	-312,210	-751,611	-485,579	-350,867	-228,446	-165,111
Net Cash Per Share	-197.96	-476.56	-307.88	-197.93	-128.55	-92.91
Filing Date Shares Outstanding	1,577	1,577	1,577	1,577	1,777	1,777
Total Common Shares Outstanding	1,577	1,577	1,577	1,577	1,777	1,777
Book Value Per Share	123.82	114.99	88.71	64.63	57.25	52.08
Tangible Book Value	193,770	179,805	138,538	100,631	100,625	91,265
Tangible Book Value Per Share	122.86	114.01	87.84	63.81	56.62	51.35

Source: S&P Global Market Intelligence. Banks template. Financial Sources.