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	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	362,760	385,141	218,555	328,998	280,511	258,184
Investment Securities	2,959,719	2,393,253	2,141,843	1,809,416	1,841,971	1,137,121
Trading Asset Securities	4,530	243,298	65,191	213,463	135,787	273,763
Total Investments	2,964,249	2,636,551	2,207,034	2,022,878	1,977,759	1,410,883
Gross Loans	2,016,448	1,990,896	1,885,744	1,630,758	1,318,579	1,269,868
Allowance for Loan Losses	-142,433	-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	1,874,015	1,878,345	1,782,498	1,535,819	1,228,768	1,187,746
Property, Plant & Equipment	154,554	141,894	113,872	98,676	89,190	80,462
Goodwill	-	4,781	3,726	3,296	3,052	2,866
Other Intangible Assets	23,227	17,939	14,696	9,334	7,361	6,223
Accrued Interest Receivable	178,107	137,593	90,545	56,511	52,227	54,722
Other Receivables	11,777	8,449	5,064	2,877	2,023	2,269
Restricted Cash	260,484	218,991	118,974	176,693	151,302	150,658
Other Current Assets	105,280	65,940	72,107	62,398	51,985	59,364
Long-Term Deferred Tax Assets	-	480.87	5,797	-	-	-
Other Real Estate Owned & Foreclosed	370.27	433.91	407.23	680.99	639.38	626
Other Long-Term Assets	269,568	37,810	5,532	19,307	4,245	13,128
Total Assets	6,204,390	5,534,348	4,638,806	4,317,468	3,849,063	3,227,132
Accrued Expenses	65,453	64,967	50,777	41,459	37,496	32,767
Interest Bearing Deposits	3,244,519	2,759,682	2,072,843	2,211,668	1,835,508	1,559,875
Non-Interest Bearing Deposits	1,565,778	1,384,700	1,397,027	1,170,679	994,955	878,393
Total Deposits	4,810,297	4,144,383	3,469,871	3,382,347	2,830,463	2,438,268
Short-Term Borrowings	363,921	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	3,057	1,801	1,600	2,165	1,857	1,631
Accrued Interest Payable	84,171	53,786	23,864	12,604	14,209	15,223
Other Current Liabilities	174,304	144,160	146,416	90,862	80,224	64,159
Long-Term Debt	211,935	171,106	172,828	129,129	131,178	76,491
Long-Term Leases	30,705	28,689	25,480	20,142	16,357	14,366
Long-Term Unearned Revenue	6,066	5,680	4,780	4,453	4,230	3,777
Pension & Post-Retirement Benefits	6,756	6,498	5,927	6,247	6,186	5,502
Long-Term Deferred Tax Liabilities	10,825	-	-	5,642	8,264	5,731
Other Long-Term Liabilities	25,316	18,765	13,052	9,827	7,886	6,083
Total Liabilities	5,792,805	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	285,550	271,993	224,122	200,600	176,272	149,253
Comprehensive Income & Other	109,808	76,553	43,353	64,376	70,004	56,433
Total Common Equity	410,026	363,215	282,143	279,645	260,944	220,355
Minority Interest	1,559	2,806	2,879	4,041	4,552	4,397
Shareholders' Equity	411,585	366,021	285,022	283,686	265,495	224,752
Total Liabilities & Equity	6,204,390	5,534,348	4,638,806	4,317,468	3,849,063	3,227,132
Total Debt	609,618	730,089	639,097	480,902	592,486	430,412
Net Cash (Debt)	-226,737	-30,052	-100,758	126,530	-151,291	126,048
Net Cash Per Share	-154.57	-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	279.50	247.62	192.35	190.64	177.89	150.22
Tangible Book Value	386,799	340,494	263,721	267,014	250,531	211,265
Tangible Book Value Per Share	263.66	232.13	179.79	182.03	170.79	144.03

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