Bank AL Habib Cash Flow Statement

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	34,158	41,902	35,928	16,688	18,583	17,948
Depreciation & Amortization	10,002	8,117	6,862	5,706	4,812	4,444
Other Amortization	172.04	172.04	263.05	310.32	307.37	288.38
Gain (Loss) on Sale of Assets	-820.62	-1,013	-396.54	-445.07	-460.25	-433.25
Gain (Loss) on Sale of Investments	-4,607	-1,430	-3,653	8,823	122.6	1,236
Total Asset Writedown	-150.27	-	75.89	-	-	123.02
Provision for Credit Losses	3,489	14,249	7,662	4,004	207.65	2,990
Change in Trading Asset Securities	375.33	3,075	95.55	30.91	-24	-85.79
Change in Other Net Operating Assets	-277,460	90,728	19,370	45,485	-150,253	-30,593
Other Operating Activities	25,443	6,401	-36,007	-3,062	1,635	-647.69
Operating Cash Flow	-210,799	160,799	29,066	76,761	-125,442	-4,844
Operating Cash Flow Growth	-	453.21%	-62.13%	-	-	-
Capital Expenditures	-16,412	-14,044	-7,990	-9,094	-14,078	-5,264
Sale of Property, Plant and Equipment	907.89	1,050	447.99	469.88	442.86	599.43
Investment in Securities	-24,461	-408,903	-328,877	-348,986	-66,513	-177,947
Income (Loss) Equity Investments	-1,400	-1,401	-1,134	-778.63	-372.03	-114.34
Purchase / Sale of Intangibles	-196.37	-196.37	-22.9	-	-	-
Other Investing Activities	454	242.77	958.36	2,764	841.95	600.76
Investing Cash Flow	-39,707	-421,851	-335,484	-354,847	-79,306	-182,011
Long-Term Debt Issued	-	-	-	13,996	1,006	-
Long-Term Debt Repaid	-	-7,812	-3,301	-2,760	-2,216	-1,975
Net Debt Issued (Repaid)	-4,393	-7,812	-3,301	11,237	-1,210	-1,975
Common Dividends Paid	-18,654	-17,010	-17,494	-7,693	-4,930	-3,842
Net Increase (Decrease) in Deposit Accounts	276,009	344,230	365,722	258,274	210,512	195,630
Financing Cash Flow	252,962	319,409	344,927	261,818	204,371	189,814
Net Cash Flow	2,456	58,357	38,510	-16,268	-376.37	2,958
Free Cash Flow	-227,210	146,755	21,077	67,667	-139,520	-10,109
Free Cash Flow Growth	-	596.29%	-68.85%	-	-	-
Free Cash Flow Margin	-134.18%	86.15%	14.60%	78.66%	-200.30%	-15.88%
Free Cash Flow Per Share	-204.43	132.04	18.96	60.88	-125.53	-9.10
Cash Interest Paid	233,555	319,894	248,046	-	-	-
Cash Income Tax Paid	74,023	57,510	34,066	20,149	10,534	12,198

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.