Bank AL Habib Limited (PSX:BAHL)

Bank AL Habib Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	337,428	478,117	373,888	200,911	116,747
Interest Income on Investments	391.02	363.5	701.54	684.36	475.44
Total Interest Income	337,819	478,480	374,589	201,595	117,223
Interest Paid on Deposits	206,458	321,647	249,743	123,592	61,268
Net Interest Income	131,361	156,834	124,846	78,003	55,955
Net Interest Income Growth (YoY)	-16.24%	25.62%	60.05%	39.40%	-3.65%
Gain (Loss) on Sale of Assets	-	1,015	403.78	452.29	467.55
Gain (Loss) on Sale of Investments	-252.14	142.13	30.92	138.86	-38.25
Gain (Loss) on Sale of Equity Investments	1,417	1,401	1,134	778.63	372.03
Other Non-Interest Income	30,403	25,855	22,033	19,527	13,213
Total Non-Interest Income	31,568	28,413	23,602	20,896	14,015
Non-Interest Income Growth (YoY)	11.10%	20.39%	12.95%	49.10%	40.14%
Revenues Before Loan Losses	162,930	185,247	148,448	98,900	69,970
Provision for Loan Losses	-2,389	14,891	4,100	12,881	314.48
Revenue	165,319	170,356	144,348	86,019	69,655
Revenue Growth (YoY)	-2.96%	18.02%	67.81%	23.49%	9.44%
Salaries and Employee Benefits	1,385	1,761	1,561	821.63	623.62
Selling, General & Administrative	-	5,840	6,129	3,776	3,736
Other Non-Interest Expense	95,732	76,066	64,624	48,366	35,079
Total Non-Interest Expense	97,117	83,667	72,315	52,964	39,438
EBT Excluding Unusual Items	68,203	86,689	72,033	33,055	30,217
Asset Writedown	-	-	-75.89	-	-
Other Unusual Items	-	91.28	49.88	-	-
Pretax Income	68,203	86,780	72,007	33,055	30,217
Income Tax Expense	35,735	44,863	36,077	16,369	11,620
Earnings From Continuing Operations	32,467	41,917	35,930	16,686	18,597
Minority Interest in Earnings	-24.67	-15.63	-2.27	1.62	-13.67
Net Income	32,443	41,902	35,928	16,688	18,583
Net Income to Common	32,443	41,902	35,928	16,688	18,583
Net Income Growth	-22.57%	16.63%	115.29%	-10.20%	3.54%
Basic Shares Outstanding	1,111	1,111	1,111	1,111	1,111
Diluted Shares Outstanding	1,111	1,111	1,111	1,111	1,111
EPS (Basic)	29.19	37.70	32.33	15.01	16.72
EPS (Diluted)	29.19	37.70	32.33	15.01	16.72
EPS Growth	-22.57%	16.63%	115.29%	-10.20%	3.54%
Dividend Per Share	15.000	17.000	14.000	7.000	7.000
Dividend Growth	-11.77%	21.43%	100.00%	-	55.56%
Effective Tax Rate	52.40%	51.70%	50.10%	49.52%	38.46%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.