Bank AL Habib Cash Flow Statement

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
Net Income	32,443	41,902	35,928	16,688	18,583
Depreciation & Amortization	10,802	8,117	6,862	5,706	4,812
Other Amortization	-	172.04	263.05	310.32	307.37
Gain (Loss) on Sale of Assets	-807.87	-1,013	-396.54	-445.07	-460.25
Gain (Loss) on Sale of Investments	283.43	-1,430	-3,653	8,823	122.6
Total Asset Writedown	-	-	75.89	-	-
Provision for Credit Losses	-2,389	14,249	7,662	4,004	207.65
Change in Trading Asset Securities	-2,455	3,075	95.55	30.91	-24
Change in Other Net Operating Assets	-243,259	90,728	19,370	45,485	-150,253
Other Operating Activities	-4,679	6,401	-36,007	-3,062	1,635
Operating Cash Flow	-211,480	160,799	29,066	76,761	-125,442
Operating Cash Flow Growth	-	453.21%	-62.13%	-	-
Capital Expenditures	-14,400	-14,044	-7,990	-9,094	-14,078
Sale of Property, Plant and Equipment	859.35	1,050	447.99	469.88	442.86
Investment in Securities	-81,870	-408,903	-328,877	-348,986	-66,513
Income (Loss) Equity Investments	-1,417	-1,401	-1,134	-778.63	-372.03
Purchase / Sale of Intangibles	-109.53	-196.37	-22.9	-	-
Other Investing Activities	497.16	242.77	958.36	2,764	841.95
Investing Cash Flow	-95,023	-421,851	-335,484	-354,847	-79,306
Long-Term Debt Issued	-	-	-	13,996	1,006
Long-Term Debt Repaid	-4,611	-7,812	-3,301	-2,760	-2,216
Net Debt Issued (Repaid)	-4,611	-7,812	-3,301	11,237	-1,210
Common Dividends Paid	-18,663	-17,010	-17,494	-7,693	-4,930
Net Increase (Decrease) in Deposit Accounts	320,036	344,230	365,722	258,274	210,512
Financing Cash Flow	296,762	319,409	344,927	261,818	204,371
Net Cash Flow	-9,740	58,357	38,510	-16,268	-376.37
Free Cash Flow	-225,880	146,755	21,077	67,667	-139,520
Free Cash Flow Growth	-	596.29%	-68.85%	-	-
Free Cash Flow Margin	-136.63%	86.15%	14.60%	78.66%	-200.30%
Free Cash Flow Per Share	-203.23	132.04	18.96	60.88	-125.53
Cash Interest Paid	205,177	319,894	248,046	-	-
Cash Income Tax Paid	55,184	57,510	34,066	20,149	10,534

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