Habib Bank Limited (PSX:HBL)

Habib Bank Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	69,465	66,716	58,458	57,676	34,070	35,022
Depreciation & Amortization	17,085	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	-2,488	-2,180	-14,411	-48.68	-42.02	-95.64
Gain (Loss) on Sale of Investments	-826.49	-702.39	-2,994	-4,196	3,936	-1,326
Total Asset Writedown	1,316	1,153	2,341	-	-	-
Provision for Credit Losses	7,500	14,708	20,567	13,469	5,944	7,645
Change in Trading Asset Securities	-379,284	-57,432	91,406	-178,812	142,875	-72,979
Change in Other Net Operating Assets	608,920	505,312	-387,250	126,377	-250,360	-483,157
Other Operating Activities	-17,225	-19,981	-21,753	12,324	14,747	7,142
Operating Cash Flow	300,282	520,842	-240,179	38,721	-38,245	-499,165
Operating Cash Flow Growth	-38.70%	-	-	-	-	-

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-28,605	-25,571	-24,998	-17,223	-19,464	-13,572
Sale of Property, Plant and Equipment	2,653	498.47	550.83	281.7	65.07	344.88
Investment in Securities	-1,003,137	-1,528,757	-16,618	-414,131	-185,430	58,817
Income (Loss) Equity Investments	-6,992	-6,517	-4,763	-4,423	-3,028	-2,586
Purchase / Sale of Intangibles	-5,866	-8,122	-5,252	-5,376	-7,644	-3,001
Other Investing Activities	6,846	8,325	336.39	12,825	3,948	6,209
Investing Cash Flow	-1,028,108	-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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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
Lease Payments	-6,626	-6,503	-5,760	-5,683	-4,939	-5,114
Net Debt Issued (Repaid)	-9,149	-9,026	-9,206	-9,145	-286.72	-16,613
Common Dividends Paid	-33,580	-26,611	-25,265	-12,358	-8,494	-10,855
Net Increase (Decrease) in Deposit Accounts	810,108	1,175,630	228,019	673,010	87,344	551,627
Other Financing Activities	-21.53	-	-	-	44.14	85.12
Financing Cash Flow	767,358	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Foreign Exchange Rate Adjustments	2,403	-4,369	-20,725	6,655	22,944	9,212
Net Cash Flow	41,934	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	271,677	495,272	-265,177	21,498	-57,709	-512,737
Free Cash Flow Growth	-41.69%	-	-	-	-	-
Free Cash Flow Margin	74.65%	140.71%	-84.04%	7.51%	-28.32%	-321.40%
Free Cash Flow Per Share	185.20	337.64	-180.78	14.66	-39.34	-349.55
Free Cash Flow After Leases	265,052	488,769	-270,937	15,815	-62,648	-517,851

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Income Tax Paid	104,000	102,975	95,275	51,151	32,103	26,200

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 28, 2026

Data Sources Report a data error