Bank AL Habib Balance Sheet

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	190,064	56,340	48,272	44,164	54,782
Investment Securities	2,031,294	1,413,694	1,211,720	947,793	726,644
Trading Asset Securities	-	8,094	2,323	2,786	3,125
Total Investments	2,031,294	1,421,788	1,214,043	950,579	729,769
Gross Loans	815,945	990,520	902,681	837,470	749,927
Allowance for Loan Losses	-	-48,468	-26,577	-17,810	-13,090
Other Adjustments to Gross Loans	-	-5,778	-7,236	-6,392	-3,501
Net Loans	815,945	936,274	868,868	813,268	733,335
Property, Plant & Equipment	99,580	89,788	79,584	62,088	55,701
Other Intangible Assets	166.94	237.02	212.69	452.85	354.58
Accrued Interest Receivable	-	69,414	84,106	43,096	20,929
Other Receivables	7,553	10,963	1,173	-	655.64
Restricted Cash	-	151,483	100,207	65,105	70,621
Other Current Assets	-	53,843	42,603	49,468	56,199
Long-Term Deferred Tax Assets	-	4,530	4,843	9,703	2,103
Other Real Estate Owned & Foreclosed	-	3,842	3,862	3,787	950.94
Other Long-Term Assets	164,907	524,629	297,480	230,972	124,807
Total Assets	3,309,510	3,323,130	2,745,254	2,272,682	1,850,209
Accrued Expenses	-	14,944	12,645	9,156	7,740
Interest Bearing Deposits	2,597,997	1,497,222	1,271,075	992,838	803,171
Non-Interest Bearing Deposits	-	780,739	662,657	575,172	506,564
Total Deposits	2,597,997	2,277,962	1,933,731	1,568,009	1,309,735
Short-Term Borrowings	-	594,777	392,924	325,688	193,420
Current Portion of Long-Term Debt	-	17,097	13,124	11,542	37,127
Current Portion of Leases	-	1,273	1,143	-	-
Current Income Taxes Payable	-	-	8,507	2,290	2,028
Accrued Interest Payable	-	7,873	8,237	8,108	2,348
Other Current Liabilities	59,749	116,306	96,323	103,868	91,115
Long-Term Debt	316,283	95,555	114,731	117,438	89,771
Long-Term Leases	20,889	15,624	13,298	14,214	12,236
Long-Term Unearned Revenue	-	3,030	1,706	692.15	1,417
Pension & Post-Retirement Benefits	-	2,066	2,200	1,377	974.31
Long-Term Deferred Tax Liabilities	1,514	-	-	-	-
Other Long-Term Liabilities	136,725	21,421	15,906	14,551	11,879
Total Liabilities	3,133,157	3,167,927	2,614,475	2,176,934	1,759,790
Common Stock	11,114	11,114	11,114	11,114	11,114
Retained Earnings	130,681	117,612	96,962	79,064	70,249
Comprehensive Income & Other	34,364	26,322	22,577	5,456	8,933
Total Common Equity	176,159	155,048	130,653	95,635	90,296
Minority Interest	193.15	155.52	125.54	113.69	123.14
Shareholders' Equity	176,352	155,204	130,779	95,749	90,419
Total Liabilities & Equity	3,309,510	3,323,130	2,745,254	2,272,682	1,850,209
Total Debt	337,172	724,325	535,221	468,882	332,554
Net Cash (Debt)	-147,108	-646,945	-482,976	-406,363	-254,583
Net Cash Per Share	-132.36	-582.09	-434.56	-365.62	-229.06
Filing Date Shares Outstanding	1,111	1,111	1,111	1,111	1,111
Total Common Shares Outstanding	1,111	1,111	1,111	1,111	1,111
Book Value Per Share	158.50	139.50	117.55	86.05	81.24
Tangible Book Value	175,992	154,811	130,441	95,182	89,942
Tangible Book Value Per Share	158.35	139.29	117.36	85.64	80.92

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