Bank Alfalah Limited (PSX:BAFL)
Pakistan · Delayed Price · Currency is PKR 57.75
-0.14 (-0.24%)
At close: Oct 30, 2026
Bank Alfalah Balance Sheet
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Equivalents | 192,290 | 64,293 | 56,083 | 90,027 | 78,450 | 62,494 |
Investment Securities | 1,742,348 | 1,868,810 | 1,801,185 | 1,880,387 | 1,179,056 | 721,916 |
Trading Asset Securities | - | 327,833 | 294,133 | 286,469 | 19,290 | 103,429 |
Total Investments | 1,742,348 | 2,196,642 | 2,095,318 | 2,166,855 | 1,198,346 | 825,345 |
Gross Loans | 1,157,570 | 1,158,259 | 1,164,924 | 782,742 | 771,302 | 704,682 |
Allowance for Loan Losses | - | -48,570 | -46,883 | -42,237 | -33,320 | -25,194 |
Other Adjustments to Gross Loans | - | -1,068 | -450.4 | -613.55 | -942.57 | -561.74 |
Net Loans | 1,157,570 | 1,108,621 | 1,117,591 | 739,891 | 737,040 | 678,927 |
Property, Plant & Equipment | 103,206 | 97,760 | 89,040 | 61,821 | 48,493 | 39,562 |
Other Intangible Assets | 1,741 | 1,729 | 1,560 | 1,380 | 1,304 | 1,119 |
Accrued Interest Receivable | - | 62,886 | 84,553 | 83,686 | 44,334 | 24,715 |
Other Receivables | 19,172 | 39,714 | 27,622 | 21,607 | 14,083 | 4,065 |
Restricted Cash | - | 167,965 | 173,179 | 144,684 | 102,438 | 74,073 |
Other Current Assets | - | 51,748 | 41,183 | 33,701 | 22,828 | 22,979 |
Long-Term Deferred Tax Assets | 605.88 | - | - | 3,619 | 7,551 | 1,157 |
Other Real Estate Owned & Foreclosed | - | 8,151 | 8,322 | 1,685 | 1,585 | 1,607 |
Other Long-Term Assets | 159,641 | 11,747 | 1,525 | 710.53 | 267.03 | 729.99 |
Total Assets | 3,376,574 | 3,835,085 | 3,717,056 | 3,349,668 | 2,256,720 | 1,736,773 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Accrued Expenses | - | 38,479 | 27,345 | 27,464 | 19,658 | 13,355 |
Interest Bearing Deposits | 2,616,818 | 1,581,303 | 1,345,851 | 1,294,628 | 825,475 | 638,288 |
Non-Interest Bearing Deposits | - | 914,086 | 790,254 | 790,314 | 661,361 | 500,722 |
Total Deposits | 2,616,818 | 2,495,389 | 2,136,105 | 2,084,941 | 1,486,836 | 1,139,010 |
Short-Term Borrowings | - | 764,532 | 1,012,902 | 761,222 | 336,949 | 229,896 |
Current Portion of Long-Term Debt | - | 10,526 | 63,971 | 15,395 | 8,810 | 37,042 |
Current Portion of Leases | - | 2,432 | 2,062 | 1,835 | 3,452 | 3,039 |
Current Income Taxes Payable | - | - | - | 14,386 | 12,844 | 10,498 |
Accrued Interest Payable | - | 28,783 | 36,730 | 41,125 | 18,094 | 6,133 |
Other Current Liabilities | 51,072 | 124,717 | 98,119 | 59,979 | 71,902 | 43,713 |
Long-Term Debt | 276,963 | 72,950 | 80,487 | 150,474 | 160,346 | 125,384 |
Long-Term Leases | 35,117 | 30,141 | 27,494 | 21,065 | 14,063 | 10,181 |
Long-Term Unearned Revenue | - | 5,092 | 4,064 | 3,201 | 2,591 | 1,386 |
Long-Term Deferred Tax Liabilities | - | 27,399 | 19,459 | - | - | - |
Other Long-Term Liabilities | 199,352 | 34,433 | 26,931 | 28,957 | 19,112 | 15,263 |
Total Liabilities | 3,179,322 | 3,634,875 | 3,535,669 | 3,210,045 | 2,154,656 | 1,634,899 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Common Stock | 15,772 | 15,772 | 15,772 | 15,772 | 15,772 | 17,772 |
Additional Paid-In Capital | 4,731 | 4,731 | 4,731 | 4,731 | 4,731 | 4,731 |
Retained Earnings | 146,790 | 127,989 | 114,616 | 93,950 | 65,866 | 59,590 |
Comprehensive Income & Other | 29,959 | 51,719 | 46,246 | 25,465 | 15,567 | 19,651 |
Total Common Equity | 197,251 | 200,211 | 181,365 | 139,918 | 101,936 | 101,744 |
Minority Interest | - | - | 21.7 | -294.67 | 127.8 | 129.89 |
Shareholders' Equity | 197,251 | 200,211 | 181,387 | 139,623 | 102,063 | 101,874 |
Total Liabilities & Equity | 3,376,574 | 3,835,085 | 3,717,056 | 3,349,668 | 2,256,720 | 1,736,773 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Total Debt | 312,080 | 880,581 | 1,186,916 | 949,991 | 523,619 | 405,542 |
Net Cash (Debt) | -119,790 | -473,424 | -741,982 | -485,579 | -350,867 | -228,446 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share | -37.87 | -150.09 | -235.23 | -153.94 | -98.97 | -64.27 |
Filing Date Shares Outstanding | 3,151 | 3,154 | 3,154 | 3,154 | 3,154 | 3,554 |
Total Common Shares Outstanding | 3,151 | 3,154 | 3,154 | 3,154 | 3,154 | 3,554 |
Book Value Per Share | 62.59 | 63.47 | 57.50 | 44.36 | 32.32 | 28.63 |
Tangible Book Value | 195,510 | 198,482 | 179,805 | 138,538 | 100,631 | 100,625 |
Tangible Book Value Per Share | 62.04 | 62.92 | 57.00 | 43.92 | 31.90 | 28.31 |