Habib Bank Income Statement

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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
Interest Income on Loans	759,423	681,265	813,192	712,345	436,101	262,254
Interest Income on Investments	6,151	3,531	3,082	2,301	1,509	913.77
Total Interest Income	765,574	684,795	816,275	714,646	437,610	263,168
Interest Paid on Deposits	480,816	405,764	567,570	470,212	270,538	130,835
Net Interest Income	284,757	279,031	248,705	244,434	167,071	132,333
Net Interest Income Growth	5.83%	12.19%	1.75%	46.30%	26.25%	1.33%
Gain (Loss) on Sale of Assets	2,180	2,180	14,411	48.68	42.02	97.56
Gain (Loss) on Sale of Investments	6,656	13,625	10,463	4,677	866.18	1,024
Gain (Loss) on Sale of Equity Investments	6,992	6,517	4,763	4,423	3,028	2,586
Other Non-Interest Income	68,758	59,754	63,793	46,001	41,286	31,578
Total Non-Interest Income	84,586	82,076	93,430	55,150	45,223	35,286
Non-Interest Income Growth	-15.46%	-12.15%	69.41%	21.95%	28.16%	16.86%
Revenues Before Loan Losses	369,344	361,107	342,134	299,584	212,294	167,619
Provision for Loan Losses	5,399	9,123	26,604	13,266	8,482	8,087
Revenue	363,945	351,984	315,531	286,318	203,813	159,532
Revenue Growth	2.89%	11.55%	10.20%	40.48%	27.76%	7.38%
Salaries and Employee Benefits	3,022	2,854	2,365	2,282	1,499	1,273
Selling, General & Administrative	20,133	20,133	16,197	13,175	10,047	8,273
Other Non-Interest Expense	189,805	180,906	176,635	157,310	115,237	88,069
Total Non-Interest Expense	212,961	203,893	195,196	172,767	126,783	97,615
EBT Excluding Unusual Items	150,984	148,091	120,334	113,551	77,030	61,916
Other Unusual Items	-	-	-	-	-	111.71
Pretax Income	150,984	148,091	120,334	113,551	77,030	62,028
Income Tax Expense	81,488	81,327	62,530	55,794	42,632	26,521
Earnings From Continuing Operations	69,496	66,764	57,805	57,757	34,398	35,507
Minority Interest in Earnings	-31.17	-47.73	653.11	-81.38	-328.24	-485.02
Net Income	69,465	66,716	58,458	57,676	34,070	35,022
Net Income to Common	69,465	66,716	58,458	57,676	34,070	35,022
Net Income Growth	5.72%	14.13%	1.35%	69.29%	-2.72%	13.37%
Basic Shares Outstanding	1,467	1,467	1,467	1,467	1,467	1,467
Diluted Shares Outstanding	1,467	1,467	1,467	1,467	1,467	1,467
Shares Change	0.01%	-	-	-	-	-
EPS (Basic)	47.35	45.48	39.85	39.32	23.23	23.88
EPS (Diluted)	47.35	45.48	39.85	39.32	23.23	23.88
EPS Growth	5.71%	14.13%	1.35%	69.29%	-2.72%	13.37%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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
Dividend Per Share	24.000	20.000	16.250	9.750	6.750	7.500
Dividend Growth	31.51%	23.08%	66.67%	44.44%	-10.00%	76.47%
Effective Tax Rate	53.97%	54.92%	51.96%	49.13%	55.34%	42.76%