Habib Bank Cash Flow Statement

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Net Income	66,716	58,458	57,676	34,070	35,022
Depreciation & Amortization	19,765	15,483	14,107	11,761	10,354
Other Amortization	-	2,738	2,247	1,852	1,061
Gain (Loss) on Sale of Assets	-2,180	-14,411	-48.68	-42.02	-95.64
Gain (Loss) on Sale of Investments	-702.39	-2,994	-4,196	3,936	-1,326
Provision for Credit Losses	14,708	20,567	13,469	5,944	7,645
Change in Trading Asset Securities	-57,432	91,406	-178,812	142,875	-72,979
Change in Other Net Operating Assets	505,312	-387,250	126,377	-250,360	-483,157
Other Operating Activities	-18,828	-19,412	12,324	14,747	7,142
Operating Cash Flow	520,842	-240,179	38,721	-38,245	-499,165
Capital Expenditures	-25,571	-24,998	-17,223	-19,464	-13,572
Sale of Property, Plant and Equipment	498.47	550.83	281.7	65.07	344.88
Investment in Securities	-1,528,757	-16,618	-414,131	-185,430	58,817
Income (Loss) Equity Investments	-6,517	-4,763	-4,423	-3,028	-2,586
Purchase / Sale of Intangibles	-8,122	-5,252	-5,376	-7,644	-3,001
Other Investing Activities	8,325	336.39	12,825	3,948	6,209
Investing Cash Flow	-1,553,626	-45,981	-423,623	-208,525	48,798
Long-Term Debt Issued	-	675	825	6,500	-
Long-Term Debt Repaid	-9,026	-9,881	-9,970	-6,787	-16,613
Net Debt Issued (Repaid)	-9,026	-9,206	-9,145	-286.72	-16,613
Common Dividends Paid	-26,611	-25,265	-12,358	-8,494	-10,855
Net Increase (Decrease) in Deposit Accounts	1,175,630	228,019	673,010	87,344	551,627
Other Financing Activities	-	-	-	44.14	85.12
Financing Cash Flow	1,139,993	193,548	651,506	78,608	524,244
Foreign Exchange Rate Adjustments	-4,369	-20,725	6,655	22,944	9,212
Net Cash Flow	102,840	-113,338	273,259	-145,218	83,088
Free Cash Flow	495,272	-265,177	21,498	-57,709	-512,737
Free Cash Flow Margin	140.71%	-84.04%	7.51%	-28.32%	-321.40%
Free Cash Flow Per Share	337.62	-180.78	14.66	-39.34	-349.55
Cash Income Tax Paid	102,975	95,275	51,151	32,103	26,200

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.