Habib Bank Limited (PSX: HBL)

Habib Bank Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	408,166	385,141	218,555	328,998	280,511	258,184
Investment Securities	3,072,239	2,393,253	2,141,843	1,809,416	1,841,971	1,137,121
Trading Asset Securities	228,724	243,298	65,191	213,463	135,787	273,763
Total Investments	3,300,963	2,636,551	2,207,034	2,022,878	1,977,759	1,410,883
Gross Loans	1,926,348	1,990,896	1,885,744	1,630,758	1,318,579	1,269,868
Allowance for Loan Losses	-137,459	-103,312	-92,171	-83,853	-81,899	-76,366
Other Adjustments to Gross Loans	-	-9,240	-11,075	-11,086	-7,912	-5,756
Net Loans	1,788,889	1,878,345	1,782,498	1,535,819	1,228,768	1,187,746
Property, Plant & Equipment	147,687	141,894	113,872	98,676	89,190	80,462
Goodwill	-	4,781	3,726	3,296	3,052	2,866
Other Intangible Assets	22,840	17,939	14,696	9,334	7,361	6,223
Accrued Interest Receivable	139,634	137,593	90,545	56,511	52,227	54,722
Other Receivables	10,828	8,449	5,064	2,877	2,023	2,269
Restricted Cash	268,126	218,991	118,974	176,693	151,302	150,658
Other Current Assets	90,664	65,940	72,107	62,398	51,985	59,364
Long-Term Deferred Tax Assets	12,009	480.87	5,797	-	-	-
Other Real Estate Owned & Foreclosed	431.27	433.91	407.23	680.99	639.38	626
Other Long-Term Assets	44,161	37,810	5,532	19,307	4,245	13,128
Total Assets	6,234,398	5,534,348	4,638,806	4,317,468	3,849,063	3,227,132
Accrued Expenses	67,229	64,967	50,777	41,459	37,496	32,767
Interest Bearing Deposits	3,287,484	2,759,682	2,072,843	2,211,668	1,835,508	1,559,875
Non-Interest Bearing Deposits	1,561,743	1,384,700	1,397,027	1,170,679	994,955	878,393
Total Deposits	4,849,226	4,144,383	3,469,871	3,382,347	2,830,463	2,438,268
Short-Term Borrowings	398,201	482,008	392,386	221,592	342,524	212,425
Current Portion of Long-Term Debt	-	46,485	46,803	107,873	100,570	125,499
Current Portion of Leases	3,035	1,801	1,600	2,165	1,857	1,631
Accrued Interest Payable	63,390	53,786	23,864	12,604	14,209	15,223
Other Current Liabilities	188,586	144,160	146,416	90,862	80,224	64,159
Long-Term Debt	225,391	171,106	172,828	129,129	131,178	76,491
Long-Term Leases	29,516	28,689	25,480	20,142	16,357	14,366
Long-Term Unearned Revenue	6,145	5,680	4,780	4,453	4,230	3,777
Pension & Post-Retirement Benefits	6,708	6,498	5,927	6,247	6,186	5,502
Long-Term Deferred Tax Liabilities	-	-	-	5,642	8,264	5,731
Other Long-Term Liabilities	22,616	18,765	13,052	9,827	7,886	6,083
Total Liabilities	5,860,044	5,168,328	4,353,784	4,033,782	3,583,568	3,002,381
Common Stock	14,669	14,669	14,669	14,669	14,669	14,669
Retained Earnings	276,765	271,993	224,122	200,600	176,272	149,253
Comprehensive Income & Other	81,150	76,553	43,353	64,376	70,004	56,433
Total Common Equity	372,584	363,215	282,143	279,645	260,944	220,355
Minority Interest	1,770	2,806	2,879	4,041	4,552	4,397
Shareholders' Equity	374,354	366,021	285,022	283,686	265,495	224,752
Total Liabilities & Equity	6,234,398	5,534,348	4,638,806	4,317,468	3,849,063	3,227,132
Total Debt	656,143	730,089	639,097	480,902	592,486	430,412
Net Cash (Debt)	103,911	-30,052	-100,758	126,530	-151,291	126,048
Net Cash Per Share	70.84	-20.49	-68.69	86.26	-103.14	85.93
Filing Date Shares Outstanding	1,467	1,467	1,467	1,467	1,467	1,467
Total Common Shares Outstanding	1,467	1,467	1,467	1,467	1,467	1,467
Book Value Per Share	254.00	247.62	192.35	190.64	177.89	150.22
Tangible Book Value	349,744	340,494	263,721	267,014	250,531	211,265
Tangible Book Value Per Share	238.43	232.13	179.79	182.03	170.79	144.03

Source: S&P Capital IQ. Banks template. Financial Sources.