Habib Bank Limited (PSX:HBL)

Revenue by Segment

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Retail Banking	117.29B	160.02B	157.89B	81.21B	46.70B
Retail Banking Growth	-26.70%	1.34%	94.43%	73.88%	-13.50%
Consumer, SME & Agriculture lending	42.66B	33.45B	32.71B	27.60B	23.17B
Consumer, SME & Agriculture lending Growth	27.54%	2.25%	18.53%	19.12%	47.39%
Corporate, Commercial & Investment Banking	55.85B	36.49B	45.58B	34.26B	19.02B
Corporate, Commercial & Investment Banking Growth	53.05%	-19.94%	33.05%	80.07%	22.52%
Treasury	69.30B	1.30B	-5.36B	17.35B	29.12B
Treasury Growth	5222.81%	-	-	-40.42%	-10.05%
Financial Institutions	45.00M	386.00M	898.00M	-	-
Financial Institutions Growth	-88.34%	-57.02%	-	-	-
Branchless Banking	1.39B	7.38B	7.60B	-	-
Branchless Banking Growth	-81.17%	-2.97%	-	-	-
International	33.40B	39.83B	30.54B	-	-
International Growth	-16.15%	30.44%	-	-	-
Asset Management	3.88B	3.44B	1.54B	682.00M	442.00M
Asset Management Growth	12.61%	123.57%	125.81%	54.30%	18.50%
Microfinance	14.99B	5.72B	10.24B	9.78B	8.36B
Microfinance Growth	161.95%	-44.13%	4.66%	17.05%	44.28%
Head Office / Others	13.19B	27.52B	4.68B	-3.53B	9.13B
Head Office / Others Growth	-52.07%	487.74%	-	-	52.33%
Islamic	-	-	-	18.43B	12.42B
Islamic Growth	-	-	-	48.31%	4.54%
International and Correspondent Banking	-	-	-	18.04B	11.28B
International and Correspondent Banking Growth	-	-	-	59.97%	65.19%
Total	351.98B	315.53B	286.32B	203.81B	159.64B
Total Growth	11.55%	10.20%	40.48%	27.67%	7.52%

Revenue by Geography

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Pakistan (Including KEPZ)	317.20B	277.29B	257.06B	185.89B	149.44B
Pakistan (Including KEPZ) Growth	14.39%	7.87%	38.29%	24.39%	4.21%
Middle East and Africa	13.43B	14.85B	11.46B	5.57B	3.07B
Middle East and Africa Growth	-9.59%	29.54%	105.67%	81.39%	104.05%
Asia	10.74B	12.21B	8.31B	5.98B	3.23B
Asia Growth	-12.06%	47.01%	38.80%	85.44%	201.03%
Europe	10.62B	11.18B	9.49B	6.37B	3.90B
Europe Growth	-5.04%	17.87%	48.99%	63.11%	56.43%
Total	351.98B	315.53B	286.32B	203.81B	159.64B
Total Growth	11.55%	10.20%	40.48%	27.67%	7.52%

Source: S&P Global Market Intelligence.