Bank AL Habib Limited (PSX: BAHL)

Bank AL Habib Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	58,843	48,714	44,164	54,782	67,242	47,869
Investment Securities	1,516,218	1,211,720	947,793	726,644	666,795	433,322
Trading Asset Securities	6,008	2,323	2,786	3,125	1,028	1,032
Total Investments	1,522,225	1,214,043	950,579	729,769	667,823	434,354
Gross Loans	813,648	902,681	837,470	749,927	527,813	504,008
Allowance for Loan Losses	-46,043	-26,577	-17,810	-13,090	-12,643	-9,591
Other Adjustments to Gross Loans	-	-7,236	-6,392	-3,501	-2,944	-3,907
Net Loans	767,605	868,868	813,268	733,335	512,226	490,510
Property, Plant & Equipment	86,191	79,584	62,088	55,701	43,977	36,572
Other Intangible Assets	236.31	212.69	452.85	354.58	294.86	368.84
Accrued Interest Receivable	142,101	84,106	43,096	20,929	17,637	20,501
Other Receivables	-	-	-	655.64	251.21	95.93
Restricted Cash	125,058	99,765	65,105	70,621	58,375	75,496
Other Current Assets	38,683	42,603	49,468	56,199	53,292	37,549
Long-Term Deferred Tax Assets	6,061	1,791	9,703	2,103	-	-
Other Real Estate Owned & Foreclosed	4,047	4,115	3,787	950.94	954.08	909.38
Other Long-Term Assets	302,163	298,399	230,972	124,807	100,707	154,913
Total Assets	3,053,214	2,742,202	2,272,682	1,850,209	1,522,779	1,299,139
Accrued Expenses	14,408	12,645	9,156	7,740	6,412	4,214
Interest Bearing Deposits	1,444,572	1,271,075	992,838	803,171	703,098	585,044
Non-Interest Bearing Deposits	776,389	662,657	575,172	506,564	396,125	318,549
Total Deposits	2,220,962	1,933,731	1,568,009	1,309,735	1,099,223	903,593
Short-Term Borrowings	119,586	392,924	325,688	193,420	157,120	206,437
Current Portion of Long-Term Debt	-	13,124	11,542	37,127	10,665	1,238
Current Income Taxes Payable	14,763	8,507	2,290	2,028	418.18	-
Accrued Interest Payable	11,544	8,237	8,108	2,348	1,880	5,198
Other Current Liabilities	87,900	92,698	103,868	91,115	84,578	56,991
Long-Term Debt	385,571	114,731	117,438	89,771	59,777	38,040
Long-Term Leases	14,960	14,634	14,214	12,236	10,526	8,317
Long-Term Unearned Revenue	2,562	1,706	692.15	1,417	304.01	241.74
Pension & Post-Retirement Benefits	3,100	2,200	1,377	974.31	683.51	473.23
Long-Term Deferred Tax Liabilities	-	-	-	-	96.34	485.29
Other Long-Term Liabilities	23,038	19,338	14,551	11,879	10,608	11,085
Total Liabilities	2,899,831	2,614,475	2,176,934	1,759,790	1,442,336	1,237,206
Common Stock	11,114	11,114	11,114	11,114	11,114	11,114
Retained Earnings	115,958	96,962	79,064	70,249	56,724	42,690
Comprehensive Income & Other	26,172	19,525	5,456	8,933	12,491	8,023
Total Common Equity	153,245	127,601	95,635	90,296	80,329	61,827
Minority Interest	138.91	125.54	113.69	123.14	114.78	105.51
Shareholders' Equity	153,384	127,727	95,749	90,419	80,444	61,933
Total Liabilities & Equity	3,053,214	2,742,202	2,272,682	1,850,209	1,522,779	1,299,139
Total Debt	521,553	535,413	468,882	332,554	238,089	254,032
Net Cash (Debt)	-456,702	-482,726	-406,363	-254,583	-169,819	-205,131
Net Cash Per Share	-410.92	-434.33	-365.62	-229.06	-152.79	-184.57
Filing Date Shares Outstanding	1,112	1,111	1,111	1,111	1,111	1,111
Total Common Shares Outstanding	1,112	1,111	1,111	1,111	1,111	1,111
Book Value Per Share	137.86	114.81	86.05	81.24	72.28	55.63
Tangible Book Value	153,008	127,388	95,182	89,942	80,034	61,458
Tangible Book Value Per Share	137.64	114.62	85.64	80.92	72.01	55.30

Source: S&P Capital IQ. Banks template. Financial Sources.