Bank AL Habib Limited (PSX:BAHL)

Bank AL Habib 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	74,425	56,340	48,272	44,164	54,782	67,242
Investment Securities	1,432,534	1,413,694	1,211,720	947,793	726,644	666,795
Trading Asset Securities	6,998	8,094	2,323	2,786	3,125	1,028
Total Investments	1,439,532	1,421,788	1,214,043	950,579	729,769	667,823
Gross Loans	992,836	990,520	902,681	837,470	749,927	527,813
Allowance for Loan Losses	-46,109	-48,468	-26,577	-17,810	-13,090	-12,643
Other Adjustments to Gross Loans	-	-5,778	-7,236	-6,392	-3,501	-2,944
Net Loans	946,726	936,274	868,868	813,268	733,335	512,226
Property, Plant & Equipment	94,314	89,788	79,584	62,088	55,701	43,977
Other Intangible Assets	210.52	237.02	212.69	452.85	354.58	294.86
Accrued Interest Receivable	102,403	69,414	84,106	43,096	20,929	17,637
Other Receivables	205.26	10,963	1,173	-	655.64	251.21
Restricted Cash	113,024	151,483	100,207	65,105	70,621	58,375
Other Current Assets	68,698	53,843	42,603	49,468	56,199	53,292
Long-Term Deferred Tax Assets	7,484	4,530	4,843	9,703	2,103	-
Other Real Estate Owned & Foreclosed	3,848	3,842	3,862	3,787	950.94	954.08
Other Long-Term Assets	575,181	524,629	297,480	230,972	124,807	100,707
Total Assets	3,426,050	3,323,130	2,745,254	2,272,682	1,850,209	1,522,779
Accrued Expenses	15,713	14,944	12,645	9,156	7,740	6,412
Interest Bearing Deposits	1,525,795	1,497,222	1,271,075	992,838	803,171	703,098
Non-Interest Bearing Deposits	853,953	780,739	662,657	575,172	506,564	396,125
Total Deposits	2,379,749	2,277,962	1,933,731	1,568,009	1,309,735	1,099,223
Short-Term Borrowings	627,573	594,777	392,924	325,688	193,420	157,120
Current Portion of Long-Term Debt	-	17,097	13,124	11,542	37,127	10,665
Current Portion of Leases	1,292	1,273	1,143	-	-	-
Current Income Taxes Payable	-	-	8,507	2,290	2,028	418.18
Accrued Interest Payable	11,728	7,873	8,237	8,108	2,348	1,880
Other Current Liabilities	87,328	116,306	96,323	103,868	91,115	84,578
Long-Term Debt	104,068	95,555	114,731	117,438	89,771	59,777
Long-Term Leases	16,832	15,624	13,298	14,214	12,236	10,526
Long-Term Unearned Revenue	3,180	3,030	1,706	692.15	1,417	304.01
Pension & Post-Retirement Benefits	2,381	2,066	2,200	1,377	974.31	683.51
Long-Term Deferred Tax Liabilities	-	-	-	-	-	96.34
Other Long-Term Liabilities	19,305	21,421	15,906	14,551	11,879	10,608
Total Liabilities	3,269,148	3,167,927	2,614,475	2,176,934	1,759,790	1,442,336
Common Stock	11,114	11,114	11,114	11,114	11,114	11,114
Retained Earnings	121,161	117,612	96,962	79,064	70,249	56,724
Comprehensive Income & Other	24,470	26,322	22,577	5,456	8,933	12,491
Total Common Equity	156,745	155,048	130,653	95,635	90,296	80,329
Minority Interest	157.57	155.52	125.54	113.69	123.14	114.78
Shareholders' Equity	156,902	155,204	130,779	95,749	90,419	80,444
Total Liabilities & Equity	3,426,050	3,323,130	2,745,254	2,272,682	1,850,209	1,522,779
Total Debt	749,765	724,325	535,221	468,882	332,554	238,089
Net Cash (Debt)	-647,423	-646,945	-482,976	-406,363	-254,583	-169,819
Net Cash Per Share	-582.52	-582.09	-434.56	-365.62	-229.06	-152.79
Filing Date Shares Outstanding	1,111	1,111	1,111	1,111	1,111	1,111
Total Common Shares Outstanding	1,111	1,111	1,111	1,111	1,111	1,111
Book Value Per Share	141.03	139.50	117.55	86.05	81.24	72.28
Tangible Book Value	156,534	154,811	130,441	95,182	89,942	80,034
Tangible Book Value Per Share	140.84	139.29	117.36	85.64	80.92	72.01

Updated Feb 6, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.