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	Jun '26 Jun 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	324,020	317,389	292,169	385,141	218,555	328,998
Investment Securities	3,483,654	3,282,686	1,979,809	2,025,847	2,141,843	1,809,416
Trading Asset Securities	235,905	209,429	154,496	243,298	65,191	213,463
Total Investments	3,719,559	3,492,115	2,134,305	2,269,145	2,207,034	2,022,878
Gross Loans	2,307,791	2,249,571	2,589,469	1,990,896	1,885,744	1,630,758
Allowance for Loan Losses	-126,715	-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	2,181,076	2,105,676	2,444,927	1,878,345	1,782,498	1,535,819
Property, Plant & Equipment	184,145	174,755	158,233	141,894	113,872	98,676
Goodwill	-	5,011	4,672	4,781	3,726	3,296
Other Intangible Assets	31,422	25,686	20,177	17,939	14,696	9,334
Accrued Interest Receivable	159,407	165,943	111,345	137,593	90,545	56,511
Other Receivables	19,750	17,706	15,151	8,449	5,064	2,877
Restricted Cash	298,237	301,340	219,350	218,991	118,974	176,693
Other Current Assets	144,432	128,656	119,591	65,940	72,107	62,398
Long-Term Deferred Tax Assets	-	-	-	480.87	5,797	-
Other Real Estate Owned & Foreclosed	481.26	483.73	400	433.91	407.23	680.99
Other Long-Term Assets	945,286	933,887	502,717	405,216	5,532	19,307
Total Assets	8,048,995	7,708,144	6,055,113	5,534,348	4,638,806	4,317,468

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	89,744	87,359	78,286	64,967	50,777	41,459
Interest Bearing Deposits	3,500,970	3,553,675	2,805,681	2,759,682	2,072,843	2,211,668
Non-Interest Bearing Deposits	2,419,839	1,993,086	1,565,646	1,384,700	1,397,027	1,170,679
Total Deposits	5,920,809	5,546,761	4,371,327	4,144,383	3,469,871	3,382,347
Short-Term Borrowings	981,437	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	2,011	2,162	2,809	1,801	1,600	2,165
Accrued Interest Payable	45,098	49,915	56,165	53,786	23,864	12,604
Other Current Liabilities	201,034	148,216	196,823	144,160	146,416	90,862
Long-Term Debt	198,691	214,975	136,753	171,106	172,828	129,129
Long-Term Leases	42,896	37,954	33,061	28,689	25,480	20,142
Long-Term Unearned Revenue	25,871	24,180	6,240	5,680	4,780	4,453
Pension & Post-Retirement Benefits	7,888	7,829	7,208	6,498	5,927	6,247
Long-Term Deferred Tax Liabilities	26,352	38,790	7,075	-	-	5,642
Other Long-Term Liabilities	21,511	24,985	26,412	18,765	13,052	9,827
Total Liabilities	7,563,342	7,219,530	5,644,315	5,168,328	4,353,784	4,033,782

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	352,615	335,814	294,723	271,993	224,122	200,600
Comprehensive Income & Other	116,755	136,461	99,764	76,553	43,353	64,376
Total Common Equity	484,039	486,944	409,156	363,215	282,143	279,645
Minority Interest	1,615	1,671	1,642	2,806	2,879	4,041
Shareholders' Equity	485,654	488,615	410,798	366,021	285,022	283,686
Total Liabilities & Equity	8,048,995	7,708,144	6,055,113	5,534,348	4,638,806	4,317,468

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	1,225,035	1,286,448	893,859	730,089	639,097	480,902
Net Cash (Debt)	-562,622	-540,744	-372,391	-30,052	-100,758	126,530
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-383.56	-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	329.98	331.97	278.93	247.62	192.35	190.64
Tangible Book Value	452,617	456,247	384,307	340,494	263,721	267,014
Tangible Book Value Per Share	308.56	311.04	261.99	232.13	179.79	182.03