Bank AL Habib Balance Sheet

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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	106,090	66,253	56,340	48,272	44,164	54,782
Investment Securities	1,951,601	1,864,475	1,413,694	1,211,720	947,793	726,644
Trading Asset Securities	5,969	10,419	8,094	2,323	2,786	3,125
Total Investments	1,957,570	1,874,894	1,421,788	1,214,043	950,579	729,769
Gross Loans	872,866	863,601	990,520	902,681	837,470	749,927
Allowance for Loan Losses	-48,754	-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	824,112	809,488	936,274	868,868	813,268	733,335
Property, Plant & Equipment	101,780	99,580	89,788	79,584	62,088	55,701
Other Intangible Assets	129.78	166.94	237.02	212.69	452.85	354.58
Accrued Interest Receivable	86,574	57,764	69,414	84,106	43,096	20,929
Other Receivables	11,217	10,701	10,758	919.61	-	655.64
Restricted Cash	99,527	131,363	151,483	100,207	65,105	70,621
Other Current Assets	80,365	80,288	53,843	42,603	49,468	56,199
Long-Term Deferred Tax Assets	17,390	-	4,530	4,843	9,703	2,103
Other Real Estate Owned & Foreclosed	4,168	4,168	4,047	4,115	3,787	950.94
Other Long-Term Assets	347,889	174,843	524,629	297,480	230,972	124,807
Total Assets	3,636,811	3,309,510	3,323,130	2,745,254	2,272,682	1,850,209
Accrued Expenses	16,580	16,486	14,944	12,645	9,156	7,740
Interest Bearing Deposits	1,788,195	1,698,721	1,497,353	1,271,075	992,838	803,171
Non-Interest Bearing Deposits	1,007,522	899,277	780,608	662,657	575,172	506,564
Total Deposits	2,795,717	2,597,997	2,277,962	1,933,731	1,568,009	1,309,735
Short-Term Borrowings	388,454	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	1,579	1,545	1,273	1,143	-	-
Current Income Taxes Payable	-	-	-	8,507	2,290	2,028
Accrued Interest Payable	8,812	6,503	7,873	8,237	8,108	2,348
Other Current Liabilities	101,464	133,063	116,306	96,323	103,868	91,115
Long-Term Debt	103,556	75,709	95,555	114,731	117,438	89,771
Long-Term Leases	21,104	19,344	15,624	13,298	14,214	12,236
Long-Term Unearned Revenue	3,932	3,802	3,030	1,706	692.15	1,417
Pension & Post-Retirement Benefits	4,075	3,631	2,066	2,200	1,377	974.31
Long-Term Deferred Tax Liabilities	-	1,514	-	-	-	-
Other Long-Term Liabilities	30,034	28,292	21,421	15,906	14,551	11,879
Total Liabilities	3,475,308	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	11,114
Retained Earnings	132,842	130,554	117,485	96,962	79,064	70,249
Comprehensive Income & Other	17,358	34,491	26,448	22,577	5,456	8,933
Total Common Equity	161,314	176,159	155,048	130,653	95,635	90,296
Minority Interest	189.14	193.15	155.52	125.54	113.69	123.14
Shareholders' Equity	161,503	176,352	155,204	130,779	95,749	90,419
Total Liabilities & Equity	3,636,811	3,309,510	3,323,130	2,745,254	2,272,682	1,850,209
Total Debt	514,694	341,870	724,325	535,221	468,882	332,554
Net Cash (Debt)	-341,741	-258,740	-646,945	-482,976	-406,363	-254,583
Net Cash Per Share	-307.48	-232.80	-582.09	-434.56	-365.62	-229.06
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	145.14	158.50	139.50	117.55	86.05	81.24
Tangible Book Value	161,184	175,992	154,811	130,441	95,182	89,942
Tangible Book Value Per Share	145.02	158.35	139.29	117.36	85.64	80.92

Source: S&P Global Market Intelligence. Banks template. Financial Sources.