Habib Bank Limited (PSX:HBL)

Habib Bank Balance Sheet

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
Cash & Equivalents	557,425	292,169	385,141	218,555	328,998	280,511
Investment Securities	4,021,328	1,979,809	2,025,847	2,141,843	1,809,416	1,841,971
Trading Asset Securities	-	154,496	243,298	65,191	213,463	135,787
Total Investments	4,021,328	2,134,305	2,269,145	2,207,034	2,022,878	1,977,759
Gross Loans	2,109,863	2,589,469	1,990,896	1,885,744	1,630,758	1,318,579
Allowance for Loan Losses	-	-137,494	-103,312	-92,171	-83,853	-81,899
Other Adjustments to Gross Loans	-	-7,048	-9,240	-11,075	-11,086	-7,912
Net Loans	2,109,863	2,444,927	1,878,345	1,782,498	1,535,819	1,228,768
Property, Plant & Equipment	168,231	158,233	141,894	113,872	98,676	89,190
Goodwill	-	4,672	4,781	3,726	3,296	3,052
Other Intangible Assets	28,881	20,177	17,939	14,696	9,334	7,361
Accrued Interest Receivable	-	111,345	137,593	90,545	56,511	52,227
Other Receivables	-	13,914	8,449	5,064	2,877	2,023
Restricted Cash	-	219,350	218,991	118,974	176,693	151,302
Other Current Assets	-	115,065	65,940	72,107	62,398	51,985
Long-Term Deferred Tax Assets	-	-	480.87	5,797	-	-
Other Real Estate Owned & Foreclosed	-	400	433.91	407.23	680.99	639.38
Other Long-Term Assets	357,676	508,479	405,216	5,532	19,307	4,245
Total Assets	7,243,403	6,055,113	5,534,348	4,638,806	4,317,468	3,849,063
Accrued Expenses	-	78,286	64,967	50,777	41,459	37,496
Interest Bearing Deposits	5,083,656	2,805,681	2,759,682	2,072,843	2,211,668	1,835,508
Non-Interest Bearing Deposits	-	1,565,646	1,384,700	1,397,027	1,170,679	994,955
Total Deposits	5,083,656	4,371,327	4,144,383	3,469,871	3,382,347	2,830,463
Short-Term Borrowings	-	616,563	482,008	392,386	221,592	342,524
Current Portion of Long-Term Debt	-	104,673	46,485	46,803	107,873	100,570
Current Portion of Leases	-	2,809	1,801	1,600	2,165	1,857
Accrued Interest Payable	-	56,165	53,786	23,864	12,604	14,209
Other Current Liabilities	58,479	196,823	144,160	146,416	90,862	80,224
Long-Term Debt	1,292,091	136,753	171,106	172,828	129,129	131,178
Long-Term Leases	36,253	33,061	28,689	25,480	20,142	16,357
Long-Term Unearned Revenue	-	6,240	5,680	4,780	4,453	4,230
Pension & Post-Retirement Benefits	-	7,208	6,498	5,927	6,247	6,186
Long-Term Deferred Tax Liabilities	22,329	7,075	-	-	5,642	8,264
Other Long-Term Liabilities	286,520	26,412	18,765	13,052	9,827	7,886
Total Liabilities	6,779,327	5,644,315	5,168,328	4,353,784	4,033,782	3,583,568
Common Stock	14,669	14,669	14,669	14,669	14,669	14,669
Retained Earnings	328,167	294,723	271,993	224,122	200,600	176,272
Comprehensive Income & Other	119,554	99,764	76,553	43,353	64,376	70,004
Total Common Equity	462,389	409,156	363,215	282,143	279,645	260,944
Minority Interest	1,687	1,642	2,806	2,879	4,041	4,552
Shareholders' Equity	464,076	410,798	366,021	285,022	283,686	265,495
Total Liabilities & Equity	7,243,403	6,055,113	5,534,348	4,638,806	4,317,468	3,849,063
Total Debt	1,328,344	893,859	730,089	639,097	480,902	592,486
Net Cash (Debt)	-770,919	-372,391	-30,052	-100,758	126,530	-151,291
Net Cash Per Share	-525.54	-253.87	-20.49	-68.69	86.26	-103.14
Filing Date Shares Outstanding	1,466	1,467	1,467	1,467	1,467	1,467
Total Common Shares Outstanding	1,466	1,467	1,467	1,467	1,467	1,467
Book Value Per Share	315.35	278.93	247.62	192.35	190.64	177.89
Tangible Book Value	433,508	384,307	340,494	263,721	267,014	250,531
Tangible Book Value Per Share	295.65	261.99	232.13	179.79	182.03	170.79

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