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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	83,232	56,483	90,027	78,450	62,494	46,361
Investment Securities	1,753,465	1,811,214	1,880,387	1,179,056	721,916	530,059
Trading Asset Securities	324,169	284,104	286,469	19,290	103,429	72,366
Total Investments	2,077,634	2,095,318	2,166,855	1,198,346	825,345	602,426
Gross Loans	937,409	1,164,529	782,742	771,302	704,682	613,446
Allowance for Loan Losses	-45,637	-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	891,772	1,117,191	739,891	737,040	678,927	589,466
Property, Plant & Equipment	92,026	89,040	61,821	48,493	39,562	30,995
Other Intangible Assets	1,533	1,560	1,380	1,304	1,119	1,288
Accrued Interest Receivable	89,267	84,397	83,686	44,334	24,715	19,029
Other Receivables	5,675	27,778	21,607	14,083	4,065	6,560
Restricted Cash	161,152	173,179	144,684	102,438	74,073	73,767
Other Current Assets	50,425	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	8,311	7,830	1,685	1,585	1,607	1,544
Other Long-Term Assets	1,828	2,017	710.53	267.03	729.99	737.81
Total Assets	3,483,696	3,717,056	3,349,668	2,256,720	1,736,773	1,387,674
Accrued Expenses	30,573	33,989	27,578	19,658	13,355	9,938
Interest Bearing Deposits	1,164,741	1,319,232	1,294,628	825,475	638,288	487,230
Non-Interest Bearing Deposits	852,848	816,872	790,314	661,361	500,722	394,520
Total Deposits	2,017,589	2,136,105	2,084,941	1,486,836	1,139,010	881,750
Short-Term Borrowings	924,731	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	2,207	2,062	1,835	3,452	3,039	2,357
Current Income Taxes Payable	-	-	14,386	12,844	10,498	9,577
Accrued Interest Payable	24,821	36,730	41,125	18,094	6,133	4,646
Other Current Liabilities	75,735	92,282	60,829	71,902	43,713	37,307
Long-Term Debt	133,754	80,487	150,474	160,346	125,384	113,552
Long-Term Leases	28,570	27,494	21,065	14,063	10,181	8,106
Long-Term Unearned Revenue	4,323	4,064	3,201	2,591	1,386	962.48
Long-Term Deferred Tax Liabilities	15,032	19,459	-	-	-	2,235
Other Long-Term Liabilities	44,054	26,124	27,993	19,112	15,263	13,012
Total Liabilities	3,301,389	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	117,744	114,616	93,950	65,866	59,590	52,163
Comprehensive Income & Other	44,041	46,246	25,465	15,567	19,651	17,887
Total Common Equity	182,288	181,365	139,918	101,936	101,744	92,553
Minority Interest	18.75	21.7	-294.67	127.8	129.89	107.44
Shareholders' Equity	182,307	181,387	139,623	102,063	101,874	92,661
Total Liabilities & Equity	3,483,696	3,717,056	3,349,668	2,256,720	1,736,773	1,387,674
Total Debt	1,089,263	1,186,916	949,991	523,619	405,542	335,586
Net Cash (Debt)	-596,469	-751,611	-485,579	-350,867	-228,446	-165,111
Net Cash Per Share	-378.19	-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	115.58	114.99	88.71	64.63	57.25	52.08
Tangible Book Value	180,756	179,805	138,538	100,631	100,625	91,265
Tangible Book Value Per Share	114.61	114.01	87.84	63.81	56.62	51.35

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