Habib Bank Limited (PSX:HBL)
Pakistan · Delayed Price · Currency is PKR 294.90
+7.24 (2.52%)
At close: Oct 29, 2026
Habib Bank Balance Sheet
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Equivalents | 596,957 | 317,389 | 292,169 | 385,141 | 218,555 | 328,998 |
Investment Securities | 5,427,457 | 3,282,686 | 1,979,809 | 2,025,847 | 2,141,843 | 1,809,416 |
Trading Asset Securities | - | 209,429 | 154,496 | 243,298 | 65,191 | 213,463 |
Total Investments | 5,427,457 | 3,492,115 | 2,134,305 | 2,269,145 | 2,207,034 | 2,022,878 |
Gross Loans | 2,228,950 | 2,249,571 | 2,589,469 | 1,990,896 | 1,885,744 | 1,630,758 |
Allowance for Loan Losses | - | -130,350 | -137,494 | -103,312 | -92,171 | -83,853 |
Other Adjustments to Gross Loans | - | -13,545 | -7,048 | -9,240 | -11,075 | -11,086 |
Net Loans | 2,228,950 | 2,105,676 | 2,444,927 | 1,878,345 | 1,782,498 | 1,535,819 |
Property, Plant & Equipment | 208,878 | 174,755 | 158,233 | 141,894 | 113,872 | 98,676 |
Goodwill | - | 5,011 | 4,672 | 4,781 | 3,726 | 3,296 |
Other Intangible Assets | 31,848 | 25,686 | 20,177 | 17,939 | 14,696 | 9,334 |
Accrued Interest Receivable | - | 165,943 | 111,345 | 137,593 | 90,545 | 56,511 |
Other Receivables | - | 17,706 | 15,151 | 8,449 | 5,064 | 2,877 |
Restricted Cash | - | 301,340 | 219,350 | 218,991 | 118,974 | 176,693 |
Other Current Assets | - | 128,656 | 119,591 | 65,940 | 72,107 | 62,398 |
Long-Term Deferred Tax Assets | - | - | - | 480.87 | 5,797 | - |
Other Real Estate Owned & Foreclosed | - | 483.73 | 400 | 433.91 | 407.23 | 680.99 |
Other Long-Term Assets | 432,184 | 933,887 | 502,717 | 405,216 | 5,532 | 19,307 |
Total Assets | 8,926,274 | 7,708,144 | 6,055,113 | 5,534,348 | 4,638,806 | 4,317,468 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Accrued Expenses | - | 87,359 | 78,286 | 64,967 | 50,777 | 41,459 |
Interest Bearing Deposits | 5,893,764 | 3,553,675 | 2,805,681 | 2,759,682 | 2,072,843 | 2,211,668 |
Non-Interest Bearing Deposits | - | 1,993,086 | 1,565,646 | 1,384,700 | 1,397,027 | 1,170,679 |
Total Deposits | 5,893,764 | 5,546,761 | 4,371,327 | 4,144,383 | 3,469,871 | 3,382,347 |
Short-Term Borrowings | - | 1,031,357 | 616,563 | 482,008 | 392,386 | 221,592 |
Current Portion of Long-Term Debt | - | - | 104,673 | 46,485 | 46,803 | 107,873 |
Current Portion of Leases | - | 2,162 | 2,809 | 1,801 | 1,600 | 2,165 |
Accrued Interest Payable | - | 49,915 | 56,165 | 53,786 | 23,864 | 12,604 |
Other Current Liabilities | 60,857 | 148,216 | 196,823 | 144,160 | 146,416 | 90,862 |
Long-Term Debt | 2,066,115 | 214,975 | 136,753 | 171,106 | 172,828 | 129,129 |
Long-Term Leases | 46,112 | 37,954 | 33,061 | 28,689 | 25,480 | 20,142 |
Long-Term Unearned Revenue | - | 24,180 | 6,240 | 5,680 | 4,780 | 4,453 |
Pension & Post-Retirement Benefits | - | 7,829 | 7,208 | 6,498 | 5,927 | 6,247 |
Long-Term Deferred Tax Liabilities | 19,864 | 38,790 | 7,075 | - | - | 5,642 |
Other Long-Term Liabilities | 337,192 | 24,985 | 26,412 | 18,765 | 13,052 | 9,827 |
Total Liabilities | 8,423,904 | 7,219,530 | 5,644,315 | 5,168,328 | 4,353,784 | 4,033,782 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Common Stock | 14,669 | 14,669 | 14,669 | 14,669 | 14,669 | 14,669 |
Retained Earnings | 363,758 | 335,814 | 294,723 | 271,993 | 224,122 | 200,600 |
Comprehensive Income & Other | 122,309 | 136,461 | 99,764 | 76,553 | 43,353 | 64,376 |
Total Common Equity | 500,735 | 486,944 | 409,156 | 363,215 | 282,143 | 279,645 |
Minority Interest | 1,635 | 1,671 | 1,642 | 2,806 | 2,879 | 4,041 |
Shareholders' Equity | 502,370 | 488,615 | 410,798 | 366,021 | 285,022 | 283,686 |
Total Liabilities & Equity | 8,926,274 | 7,708,144 | 6,055,113 | 5,534,348 | 4,638,806 | 4,317,468 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Total Debt | 2,112,226 | 1,286,448 | 893,859 | 730,089 | 639,097 | 480,902 |
Net Cash (Debt) | -1,515,270 | -540,744 | -372,391 | -30,052 | -100,758 | 126,530 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share | -1032.93 | -368.64 | -253.87 | -20.49 | -68.69 | 86.26 |
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 | 341.37 | 331.97 | 278.93 | 247.62 | 192.35 | 190.64 |
Tangible Book Value | 468,888 | 456,247 | 384,307 | 340,494 | 263,721 | 267,014 |
Tangible Book Value Per Share | 319.66 | 311.04 | 261.99 | 232.13 | 179.79 | 182.03 |