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	Jun '26 Jun 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	731,337	681,265	813,192	712,345	436,101	262,254
Interest Income on Investments	6,591	3,531	3,082	2,301	1,509	913.77
Total Interest Income	737,927	684,795	816,275	714,646	437,610	263,168
Interest Paid on Deposits	453,186	405,764	567,570	470,212	270,538	130,835
Net Interest Income	284,741	279,031	248,705	244,434	167,071	132,333
Net Interest Income Growth	7.88%	12.19%	1.75%	46.30%	26.25%	1.33%
Gain (Loss) on Sale of Assets	357.26	2,180	14,411	48.68	42.02	97.56
Gain (Loss) on Sale of Investments	7,315	13,625	10,463	4,677	866.18	1,024
Gain (Loss) on Sale of Equity Investments	6,590	6,517	4,763	4,423	3,028	2,586
Other Non-Interest Income	67,100	59,754	63,793	46,001	41,286	31,578
Total Non-Interest Income	81,363	82,076	93,430	55,150	45,223	35,286
Non-Interest Income Growth	-16.84%	-12.15%	69.41%	21.95%	28.16%	16.86%
Revenues Before Loan Losses	366,104	361,107	342,134	299,584	212,294	167,619
Provision for Loan Losses	9,819	9,123	26,604	13,266	8,482	8,087
Revenue	356,285	351,984	315,531	286,318	203,813	159,532
Revenue Growth	4.59%	11.55%	10.20%	40.48%	27.76%	7.38%
Salaries and Employee Benefits	2,851	2,854	2,365	2,282	1,499	1,273
Selling, General & Administrative	21,463	20,133	16,197	13,175	10,047	8,273
Other Non-Interest Expense	186,127	180,906	176,635	157,310	115,237	88,069
Total Non-Interest Expense	210,441	203,893	195,196	172,767	126,783	97,615
EBT Excluding Unusual Items	145,844	148,091	120,334	113,551	77,030	61,916
Other Unusual Items	-	-	-	-	-	111.71
Pretax Income	145,844	148,091	120,334	113,551	77,030	62,028
Income Tax Expense	78,992	81,327	62,530	55,794	42,632	26,521
Earnings From Continuing Operations	66,852	66,764	57,805	57,757	34,398	35,507
Minority Interest in Earnings	-34.56	-47.73	653.11	-81.38	-328.24	-485.02
Net Income	66,818	66,716	58,458	57,676	34,070	35,022
Net Income to Common	66,818	66,716	58,458	57,676	34,070	35,022
Net Income Growth	5.64%	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	-	-	-	-	-	-
EPS (Basic)	45.55	45.48	39.85	39.32	23.23	23.88
EPS (Diluted)	45.55	45.48	39.85	39.32	23.23	23.88
EPS Growth	5.64%	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	Jun '26 Jun 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	23.000	20.000	16.250	9.750	6.750	7.500
Dividend Growth	33.33%	23.08%	66.67%	44.44%	-10.00%	76.47%
Effective Tax Rate	54.16%	54.92%	51.96%	49.13%	55.34%	42.76%