Habib Bank Limited (PSX:HBL)

Habib Bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	689,260	813,192	712,345	436,101	262,254	271,237
Interest Income on Investments	3,289	3,082	2,301	1,509	913.77	489.3
Total Interest Income	692,550	816,275	714,646	437,610	263,168	271,727
Interest Paid on Deposits	423,486	567,570	470,212	270,538	130,835	141,133
Net Interest Income	269,064	248,705	244,434	167,071	132,333	130,594
Net Interest Income Growth (YoY)	5.73%	1.75%	46.30%	26.25%	1.33%	28.15%
Gain (Loss) on Sale of Assets	104.57	156.54	48.68	42.02	97.56	89.08
Gain (Loss) on Sale of Investments	17,947	10,463	4,677	866.18	1,024	7,055
Gain (Loss) on Sale of Equity Investments	5,782	4,763	4,423	3,028	2,586	2,963
Other Non-Interest Income	76,219	78,047	46,001	41,286	31,578	20,087
Total Non-Interest Income	100,052	93,430	55,150	45,223	35,286	30,194
Non-Interest Income Growth (YoY)	30.04%	69.41%	21.95%	28.16%	16.86%	29.36%
Revenues Before Loan Losses	369,116	342,134	299,584	212,294	167,619	160,787
Provision for Loan Losses	15,385	26,604	13,266	8,482	8,087	12,220
Revenue	353,731	315,531	286,318	203,813	159,532	148,568
Revenue Growth (YoY)	15.39%	10.20%	40.48%	27.76%	7.38%	21.84%
Salaries and Employee Benefits	2,724	2,365	2,282	1,499	1,273	1,110
Selling, General & Administrative	19,054	16,197	13,175	10,047	8,273	6,737
Other Non-Interest Expense	185,340	176,635	157,310	115,237	88,069	87,153
Total Non-Interest Expense	207,118	195,196	172,767	126,783	97,615	95,000
EBT Excluding Unusual Items	146,613	120,334	113,551	77,030	61,916	53,568
Asset Writedown	-	-	-	-	-	158.71
Other Unusual Items	-	-	-	-	111.71	1,191
Pretax Income	146,613	120,334	113,551	77,030	62,028	53,031
Income Tax Expense	80,684	62,530	55,794	42,632	26,521	22,117
Earnings From Continuing Operations	65,930	57,805	57,757	34,398	35,507	30,913
Minority Interest in Earnings	-223.83	653.11	-81.38	-328.24	-485.02	-21.08
Net Income	65,706	58,458	57,676	34,070	35,022	30,892
Net Income to Common	65,706	58,458	57,676	34,070	35,022	30,892
Net Income Growth	11.57%	1.35%	69.29%	-2.72%	13.37%	101.48%
Basic Shares Outstanding	1,467	1,467	1,467	1,467	1,467	1,467
Diluted Shares Outstanding	1,467	1,467	1,467	1,467	1,467	1,467
EPS (Basic)	44.79	39.85	39.32	23.23	23.88	21.06
EPS (Diluted)	44.79	39.85	39.32	23.23	23.88	21.06
EPS Growth	11.57%	1.35%	69.29%	-2.72%	13.37%	101.48%
Dividend Per Share	18.250	16.250	9.750	6.750	7.500	4.250
Dividend Growth	14.06%	66.67%	44.44%	-10.00%	76.47%	-15.00%
Effective Tax Rate	55.03%	51.96%	49.13%	55.34%	42.76%	41.71%

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