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Habib Bank Limited (PSX:HBL)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
317.14
-3.22 (-1.01%)
At close: Aug 20, 2026

Habib Bank Cash Flow Statement

Millions PKR. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
66,81866,71658,45857,67634,07035,022
Depreciation & Amortization
16,96316,95215,48314,10711,76110,354
Other Amortization
2,8072,8132,7382,2471,8521,061
Gain (Loss) on Sale of Assets
-2,297-2,180-14,411-48.68-42.02-95.64
Gain (Loss) on Sale of Investments
-1,439-702.39-2,994-4,1963,936-1,326
Total Asset Writedown
1,2361,1532,341---
Provision for Credit Losses
10,23514,70820,56713,4695,9447,645
Change in Trading Asset Securities
124,538-57,43291,406-178,812142,875-72,979
Change in Other Net Operating Assets
-583,092505,312-387,250126,377-250,360-483,157
Other Operating Activities
-24,678-19,981-21,75312,32414,7477,142
Operating Cash Flow
-395,500520,842-240,17938,721-38,245-499,165
Operating Cash Flow Growth
------

Investing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Capital Expenditures
-25,244-25,571-24,998-17,223-19,464-13,572
Sale of Property, Plant and Equipment
2,415498.47550.83281.765.07344.88
Investment in Securities
-322,347-1,528,757-16,618-414,131-185,43058,817
Income (Loss) Equity Investments
-6,590-6,517-4,763-4,423-3,028-2,586
Purchase / Sale of Intangibles
-7,552-8,122-5,252-5,376-7,644-3,001
Other Investing Activities
6,3958,325336.3912,8253,9486,209
Investing Cash Flow
-346,333-1,553,626-45,981-423,623-208,52548,798

Financing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Long-Term Debt Issued
--6758256,500-
Long-Term Debt Repaid
--9,026-9,881-9,970-6,787-16,613
Net Debt Issued (Repaid)
-8,870-9,026-9,206-9,145-286.72-16,613
Common Dividends Paid
-31,382-26,611-25,265-12,358-8,494-10,855
Net Increase (Decrease) in Deposit Accounts
725,9681,175,630228,019673,01087,344551,627
Other Financing Activities
----44.1485.12
Financing Cash Flow
685,7171,139,993193,548651,50678,608524,244

Net Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Foreign Exchange Rate Adjustments
4,521-4,369-20,7256,65522,9449,212
Net Cash Flow
-51,595102,840-113,338273,259-145,21883,088

Free Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
-420,744495,272-265,17721,498-57,709-512,737
Free Cash Flow Growth
------
Free Cash Flow Margin
-118.09%140.71%-84.04%7.51%-28.32%-321.40%
Free Cash Flow Per Share
-286.83337.64-180.7814.66-39.34-349.55

Additional Metrics

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Income Tax Paid
110,675102,97595,27551,15132,10326,200