Financial Performance

Albaraka Bank Pakistan Financial Results 2026

Total assets, deposits, profit, and capital ratios — sourced directly from the bank's audited FY2025 and reviewed H1 2026 (half year ended 30 June) financial statements, not marketing copy.

• Rs 286.3bn Assets (H1 2026)
• AA-/A1 Rated
• CAR 18.46%

Quick Answer

Albaraka Bank Pakistan's financial results: FY2025 audited and H1 2026 (30 June) reviewed figures for total assets, deposits, profit, EPS, capital adequacy, and credit rating, sourced to the bank's own filings.

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University)

Key Figures at a Glance

Total Assets (H1 2026)

Rs 286.3 billion

Total Assets (FY2025)

Rs 311.9 billion

Profit After Tax (H1 2026)

Rs 699.2 million

EPS (H1 2026)

Re 0.51

Capital Adequacy Ratio

18.46% (H1 2026)

Credit Rating

AA-/A1 (VIS)

Branch Network (H1 2026)

185 branches

Auditor (FY2025)

A.F. Ferguson & Co.

All figures are Al Baraka Bank (Pakistan) Limited's own standalone results — not Albaraka Banking Group's consolidated worldwide figures, which are covered separately on the Worldwide page. FY2025 figures from the bank's audited financial statements; H1 2026 figures from its condensed interim financial statements for the half year ended 30 June 2026, reviewed (not audited) by A.F. Ferguson & Co.

Total Assets Trend, at a Glance

Profit After Tax Trend, at a Glance

Balance Sheet: Three-Period Trend

Total assets grew through FY2025 before easing back over the first half of 2026 — a genuine decline over the half-year, not a typo. Deposits moved the same way, falling roughly 15% between December 2025 and June 2026. The branch network also shrank over the same period, from 196 branches at 31 December 2025 to 185 at 30 June 2026, per the bank's own interim financial statements (Note 1.2) — worth knowing if you're relying on an older branch count anywhere else.

Balance sheet figures from Al Baraka Bank (Pakistan) Limited's audited financial statements for FY2024 and FY2025, and its condensed interim financial statements (reviewed, not audited) as at 30 June 2026. Branch count for FY2024 sourced from the same FY2024 audited statements (185 branches at 31 Dec 2024, up from 170 at 31 Dec 2023) — coincidentally the same number as the current 30 June 2026 count, a coincidence worth noting rather than a sign of no change in between (the network rose to 196 across 2025 before easing back to 185 in H1 2026).

Profit & Loss: Annual and Half-Yearly

FY2025 profit after tax fell by more than half against FY2024 — a decline worth stating plainly rather than smoothing over. That trend continued into the first half of 2026: half-year profit after tax fell to Rs 699.2 million, roughly half of H1 2025's Rs 1.34 billion. Per the Directors' Report, the drop traces mainly to the lagged repricing effect of SBP policy-rate cuts working through the book, partly offset by "substantial recoveries from non-performing exposures." Return on Equity came in at 6.3% and Return on Assets at 0.5% for the half. The Bank also reported the NPF (non-performing financing) ratio down to 7.6%, and a gross advances-to-deposit ratio holding above 60%.

FY2024 and FY2025 figures are full-year audited results. H1 2025 and H1 2026 figures are condensed interim results, reviewed (not audited) by A.F. Ferguson & Co., and are not annualized — comparing a half-year figure to a full-year one would overstate or understate the trend.

Capital Adequacy & Liquidity

Capital adequacy is the standard regulator-set cushion against unexpected losses; SBP's minimum for Pakistani banks is 11.50%. Al Baraka's ratio has sat comfortably above that minimum across every period shown below, and actually strengthened further over H1 2026.

One discrepancy worth flagging rather than hiding: the Q1 2026 filing's own capital-adequacy note stated Total CAR at 31 December 2025 as 17.37% (the figure used in the table above, since it comes with a full CET1/Tier 1 breakdown that's internally consistent with the March and June 2026 figures). The FY2025 audited financial statements separately state, in a narrative disclosure rather than a table, that CAR "stood at... 17.57%" as at the same date. That's a real difference between two of the bank's own official filings for the identical reporting date — not something this page can resolve, so both figures are disclosed here rather than one being silently chosen.

Capital adequacy and liquidity figures from Al Baraka Bank (Pakistan) Limited's condensed interim financial statements, Note 39 (30 June 2026) / Note 40 (31 March 2026), reviewed but not audited; narrative CAR figure cross-checked against Note 1.4 of the FY2025 audited financial statements.

Credit Rating History

VIS Credit Rating Company upgraded Al Baraka's medium-to-long-term rating from A+ to AA- on 27 June 2025, while its short-term rating held steady at A1. VIS reaffirmed both ratings on 30 June 2026, based on the bank's FY2025 audited financial statements, with a 'Stable' outlook — so this remains the current rating as at the bank's most recent H1 2026 filing.

FY2025 Dividend

The Board of Directors announced a final cash dividend of Re 0.175 per share (1.75%) for the year ended 31 December 2025, down from Re 0.38 per share (3.8%) for FY2024 — announced 19 February 2026 and paid out during H1 2026 (Rs 218.7 million paid in cash per the interim cash flow statement, alongside Rs 240.4 million recorded as declared in the statement of changes in equity — a small difference likely reflecting timing or withholding, not a discrepancy this page can fully explain). As an unlisted company, this dividend isn't reflected in a public share price the way a PSX-listed bank's would be; it's disclosed here because it's a genuine, sourced figure from the bank's own financial statements.

Basis of Preparation & Auditor

The FY2025 annual financial statements were audited by A.F. Ferguson & Co., Chartered Accountants — a member firm of the PwC network — which issued an unqualified (unmodified) opinion, stating the statements give a true and fair view of the bank's affairs. They were authorised for issue by the Board on 19 February 2026. The H1 2026 figures are condensed interim statements for the half year ended 30 June 2026, prepared under International Accounting Standard 34. A.F. Ferguson & Co. reviewed (rather than audited) these interim statements under ISRE 2410 and reached an unmodified conclusion, dated 27 August 2026 — a review is substantially narrower in scope than an audit and doesn't constitute an audit opinion. The statements were authorised for issue by the Board the same day, 27 August 2026, in Islamabad. Treat interim figures as a directional update on the audited annual figures, not a substitute for them.

How This Compares to the Group

These are Al Baraka Bank (Pakistan) Limited's own standalone results. Albaraka Banking Group (ABG), the Bahrain-headquartered parent, reports separately on a consolidated worldwide basis — Group total assets of roughly USD 31.4 billion and Group net income of USD 357 million for FY2025, figures that include Pakistan's contribution alongside every other subsidiary. See the Worldwide page for the Group-level breakdown; the two sets of numbers shouldn't be added together or compared directly, since one is in US Dollars covering ~13 countries and the other is in Pakistani Rupees covering this market alone.

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Last verified: 7 Sept 2026.

For independent verification, see State Bank of Pakistan, Al Baraka Bank Pakistan (Official), Al Baraka Banking Group.