Bank AL Habib Limited (PSX:BAHL)
Pakistan · Delayed Price · Currency is PKR 171.27
-2.36 (-1.36%)
At close: Aug 20, 2026
Bank AL Habib 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 | Jun '26 Jun 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 | 229,119 | 66,253 | 56,340 | 48,272 | 44,164 | 54,782 |
Investment Securities | 2,272,186 | 1,864,475 | 1,413,694 | 1,211,720 | 947,793 | 726,644 |
Trading Asset Securities | - | 10,419 | 8,094 | 2,323 | 2,786 | 3,125 |
Total Investments | 2,272,186 | 1,874,894 | 1,421,788 | 1,214,043 | 950,579 | 729,769 |
Gross Loans | - | 863,601 | 990,520 | 902,681 | 837,470 | 749,927 |
Allowance for Loan Losses | - | -47,412 | -48,468 | -26,577 | -17,810 | -13,090 |
Other Adjustments to Gross Loans | - | -6,701 | -5,778 | -7,236 | -6,392 | -3,501 |
Net Loans | - | 809,488 | 936,274 | 868,868 | 813,268 | 733,335 |
Property, Plant & Equipment | 125,350 | 99,580 | 89,788 | 79,584 | 62,088 | 55,701 |
Other Intangible Assets | 113.75 | 166.94 | 237.02 | 212.69 | 452.85 | 354.58 |
Accrued Interest Receivable | - | 57,764 | 69,414 | 84,106 | 43,096 | 20,929 |
Other Receivables | 5,983 | 10,701 | 10,758 | 919.61 | - | 655.64 |
Restricted Cash | - | 131,363 | 151,483 | 100,207 | 65,105 | 70,621 |
Other Current Assets | - | 80,288 | 53,843 | 42,603 | 49,468 | 56,199 |
Long-Term Deferred Tax Assets | 1,332 | - | 4,530 | 4,843 | 9,703 | 2,103 |
Other Real Estate Owned & Foreclosed | - | 4,168 | 4,047 | 4,115 | 3,787 | 950.94 |
Other Long-Term Assets | 184,251 | 174,843 | 524,629 | 297,480 | 230,972 | 124,807 |
Total Assets | 3,685,686 | 3,309,510 | 3,323,130 | 2,745,254 | 2,272,682 | 1,850,209 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 | - | 16,486 | 14,944 | 12,645 | 9,156 | 7,740 |
Interest Bearing Deposits | 2,879,111 | 1,698,721 | 1,497,353 | 1,271,075 | 992,838 | 803,171 |
Non-Interest Bearing Deposits | - | 899,277 | 780,608 | 662,657 | 575,172 | 506,564 |
Total Deposits | 2,879,111 | 2,597,997 | 2,277,962 | 1,933,731 | 1,568,009 | 1,309,735 |
Short-Term Borrowings | - | 218,848 | 594,777 | 392,924 | 325,688 | 193,420 |
Current Portion of Long-Term Debt | - | 26,424 | 17,097 | 13,124 | 11,542 | 37,127 |
Current Portion of Leases | - | 1,545 | 1,273 | 1,143 | - | - |
Current Income Taxes Payable | - | - | - | 8,507 | 2,290 | 2,028 |
Accrued Interest Payable | - | 6,503 | 7,873 | 8,237 | 8,108 | 2,348 |
Other Current Liabilities | 87,029 | 133,063 | 116,306 | 96,323 | 103,868 | 91,115 |
Long-Term Debt | 356,179 | 75,709 | 95,555 | 114,731 | 117,438 | 89,771 |
Long-Term Leases | 23,933 | 19,344 | 15,624 | 13,298 | 14,214 | 12,236 |
Long-Term Unearned Revenue | - | 3,802 | 3,030 | 1,706 | 692.15 | 1,417 |
Pension & Post-Retirement Benefits | - | 3,631 | 2,066 | 2,200 | 1,377 | 974.31 |
Long-Term Deferred Tax Liabilities | - | 1,514 | - | - | - | - |
Other Long-Term Liabilities | 153,576 | 28,292 | 21,421 | 15,906 | 14,551 | 11,879 |
Total Liabilities | 3,499,828 | 3,133,157 | 3,167,927 | 2,614,475 | 2,176,934 | 1,759,790 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 | 11,114 | 11,114 | 11,114 | 11,114 | 11,114 | 11,114 |
Retained Earnings | 105,350 | 130,554 | 117,485 | 96,962 | 79,064 | 70,249 |
Comprehensive Income & Other | 69,183 | 34,491 | 26,448 | 22,577 | 5,456 | 8,933 |
Total Common Equity | 185,648 | 176,159 | 155,048 | 130,653 | 95,635 | 90,296 |
Minority Interest | 210.69 | 193.15 | 155.52 | 125.54 | 113.69 | 123.14 |
Shareholders' Equity | 185,858 | 176,352 | 155,204 | 130,779 | 95,749 | 90,419 |
Total Liabilities & Equity | 3,685,686 | 3,309,510 | 3,323,130 | 2,745,254 | 2,272,682 | 1,850,209 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 | 380,112 | 341,870 | 724,325 | 535,221 | 468,882 | 332,554 |
Net Cash (Debt) | -150,992 | -258,740 | -646,945 | -482,976 | -406,363 | -254,583 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share | -135.84 | -232.80 | -582.09 | -434.56 | -365.62 | -229.06 |
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 | 166.95 | 158.50 | 139.50 | 117.55 | 86.05 | 81.24 |
Tangible Book Value | 185,534 | 175,992 | 154,811 | 130,441 | 95,182 | 89,942 |
Tangible Book Value Per Share | 166.85 | 158.35 | 139.29 | 117.36 | 85.64 | 80.92 |