Habib Bank Limited (PSX:HBL)
Pakistan · Delayed Price · Currency is PKR 303.67
+2.37 (0.79%)
At close: Jul 31, 2026
Habib Bank Cash Flow Statement
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 |
Net Income | 66,247 | 66,716 | 58,458 | 57,676 | 34,070 | 35,022 |
Depreciation & Amortization | 17,312 | 16,952 | 15,483 | 14,107 | 11,761 | 10,354 |
Other Amortization | 2,813 | 2,813 | 2,738 | 2,247 | 1,852 | 1,061 |
Gain (Loss) on Sale of Assets | -2,189 | -2,180 | -14,411 | -48.68 | -42.02 | -95.64 |
Gain (Loss) on Sale of Investments | 757.14 | -702.39 | -2,994 | -4,196 | 3,936 | -1,326 |
Total Asset Writedown | 1,489 | 1,153 | 2,341 | - | - | - |
Provision for Credit Losses | 10,244 | 14,708 | 20,567 | 13,469 | 5,944 | 7,645 |
Change in Trading Asset Securities | -197,916 | -57,432 | 91,406 | -178,812 | 142,875 | -72,979 |
Change in Other Net Operating Assets | 1,012,905 | 505,312 | -387,250 | 126,377 | -250,360 | -483,157 |
Other Operating Activities | -27,744 | -19,981 | -21,753 | 12,324 | 14,747 | 7,142 |
Operating Cash Flow | 877,454 | 520,842 | -240,179 | 38,721 | -38,245 | -499,165 |
Operating Cash Flow Growth | 264.68% | - | - | - | - | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 |
Capital Expenditures | -27,155 | -25,571 | -24,998 | -17,223 | -19,464 | -13,572 |
Sale of Property, Plant and Equipment | 543.61 | 498.47 | 550.83 | 281.7 | 65.07 | 344.88 |
Investment in Securities | -1,765,136 | -1,528,757 | -16,618 | -414,131 | -185,430 | 58,817 |
Income (Loss) Equity Investments | -6,466 | -6,517 | -4,763 | -4,423 | -3,028 | -2,586 |
Purchase / Sale of Intangibles | -6,694 | -8,122 | -5,252 | -5,376 | -7,644 | -3,001 |
Other Investing Activities | 8,035 | 8,325 | 336.39 | 12,825 | 3,948 | 6,209 |
Investing Cash Flow | -1,790,407 | -1,553,626 | -45,981 | -423,623 | -208,525 | 48,798 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 |
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) | -8,710 | -9,026 | -9,206 | -9,145 | -286.72 | -16,613 |
Common Dividends Paid | -26,614 | -26,611 | -25,265 | -12,358 | -8,494 | -10,855 |
Net Increase (Decrease) in Deposit Accounts | 943,462 | 1,175,630 | 228,019 | 673,010 | 87,344 | 551,627 |
Other Financing Activities | - | - | - | - | 44.14 | 85.12 |
Financing Cash Flow | 908,138 | 1,139,993 | 193,548 | 651,506 | 78,608 | 524,244 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 |
Foreign Exchange Rate Adjustments | -5,908 | -4,369 | -20,725 | 6,655 | 22,944 | 9,212 |
Net Cash Flow | -10,723 | 102,840 | -113,338 | 273,259 | -145,218 | 83,088 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 |
Free Cash Flow | 850,299 | 495,272 | -265,177 | 21,498 | -57,709 | -512,737 |
Free Cash Flow Growth | 296.78% | - | - | - | - | - |
Free Cash Flow Margin | 241.63% | 140.71% | -84.04% | 7.51% | -28.32% | -321.40% |
Free Cash Flow Per Share | 579.68 | 337.64 | -180.78 | 14.66 | -39.34 | -349.55 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 Income Tax Paid | 112,238 | 102,975 | 95,275 | 51,151 | 32,103 | 26,200 |