Bank AL Habib Financial Results & Ratio Analysis

Bank AL Habib's FY2025 audited results and H1 2026 update — including EPS and its full dividend history — are the underlying fundamentals behind its PSX share price under ticker BAHL.

Part of PakFinHub's Bank AL Habib coverage — see the full bank overview.

Last Verified: Aug 23, 2026
FY2025 Audited
H1 2026 Update
Standalone & Consolidated

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

2025 was a mixed year for Bank AL Habib, and it matters for anyone tracking Bank AL Habib share price fundamentals: the bank kept growing in the ordinary sense — deposits rose, the branch network expanded, and it opened 102 new branches — but profitability fell as Pakistan's policy rate cycle turned downward, compressing net interest margins faster than deposit costs could adjust. That pressure carried into 2026, though the balance sheet kept growing through the first half. Below is the latest half-year update, the standalone audited FY2025 result, the consolidated group figure, and a categorized ratio breakdown.

H1 2026 Results (Half Year Ended June 30, 2026) — Standalone

Metric	H1 2026	H1 2025
Profit Before Tax	Rs 31.43bn	Rs 39.08bn
Profit After Tax	Rs 15.09bn	Rs 19.32bn
Earnings Per Share	Rs 13.58	Rs 17.39
Deposits	Rs 2.88tn	—
Advances (net)	Rs 862.96bn	—
Total Assets	Rs 3.68tn	—
Shareholders' Equity (excl. revaluation surplus)	Rs 147.95bn	—
Interim Dividend Declared (this half)	35% (Rs 3.50/share)	—

Figures are reproduced directly from Bank AL Habib's own unconsolidated condensed interim financial statements for the half year ended June 30, 2026 (unaudited — quarterly and half-yearly accounts are unaudited, unlike the full annual audit), as filed with the Pakistan Stock Exchange on August 20, 2026. Deposits rose to Rs 2.88 trillion from Rs 2.60 trillion at December 31, 2025; net advances rose to Rs 862.96 billion from Rs 792.05 billion over the same period. This second-quarter interim dividend of Rs 3.50/share (35%) is in addition to the Rs 3.50/share (35%) interim dividend already paid earlier in 2026 (ex-date May 4, 2026, paid May 26, 2026) — bringing cumulative interim dividends declared for 2026 so far to Rs 7.00/share (70%). The Share Transfer Book closes September 1–3, 2026; transfers received by CDC Share Registrar Services Limited by close of business August 31, 2026 will be treated in time for this entitlement.

H1 2026 Results — Consolidated

Metric	H1 2026 (Consolidated)	H1 2025 (Consolidated)
Profit After Tax	Rs 15.41bn	Rs 19.79bn
Profit After Tax attributable to shareholders	Rs 15.40bn	Rs 19.78bn
Earnings Per Share	Rs 13.85	Rs 17.80

Source: Bank AL Habib's consolidated condensed interim financial statements for the half year ended June 30, 2026, filed alongside the standalone accounts with PSX on August 20, 2026.

FY2025 Results — Standalone

Metric	FY2025	FY2024
Profit Before Tax	Rs 65.52bn	Rs 83.84bn
Profit After Tax	Rs 30.64bn	Rs 39.86bn
Earnings Per Share	Rs 27.57	Rs 35.87
Total Deposits	Rs 2.60tn	Rs 2.28tn
Advances	Rs 792.1bn	Rs 910.9bn
Shareholders' Equity	Rs 141.75bn	Rs 130.38bn
Foreign Trade Business Handled	Rs 3.5tn	—

Source: Bank AL Habib's 35th Annual Report and official Financial Highlights disclosure for the year ended December 31, 2025 (bankalhabib.com/files/download/documents/Financial-Highlights-2025.pdf) — every figure above is cross-verified directly against this document, the bank's own primary source, not a news summary or third-party tracker.

Where the Bank's Business Actually Comes From — FY2025 Segments

Segment	Deposits	Advances (performing)	Profit Before Tax
Retail Banking	Rs 1,404.8bn	Rs 60.9bn	Rs 19.5bn
Commercial Banking	Rs 780.9bn	Rs 576.7bn	Rs 28.6bn
Islamic Banking	Rs 413.4bn	Rs 151.7bn	Rs 17.4bn

This is worth pausing on if you're comparing Bank AL Habib's products against another bank's: Retail Banking holds by far the largest deposit base (54% of the Rs 2.60tn total) but the smallest advances book — consistent with a bank whose retail savings/current accounts fund lending done mostly through its Commercial Banking arm, where 74% of performing advances actually sit. Islamic Banking punches above its deposit share on advances, reflecting the 392-branch Islamic network's focus on financing products (ApniCar, home finance) alongside deposit-taking.

Sourced from Bank AL Habib's audited FY2025 financial statements, Segment Information note. Figures are standalone; "performing advances" excludes non-performing loan balances reported separately by segment.

Six-Year Trend (Standalone, 2020–2025)

Metric (Rs million)	2025	2024	2023	2022	2021	2020
Total Customer Deposits	2,599,087	2,278,957	1,934,037	1,568,138	1,309,823	1,099,686
Total Advances	792,050	910,850	869,459	813,535	733,799	510,252
Profit Before Tax	65,520	83,841	71,128	32,884	30,273	28,581
Profit After Tax	30,637	39,862	35,319	16,570	18,702	17,812
Shareholders' Equity*	141,754	130,384	111,895	94,344	83,569	69,570
Earnings Per Share (Rs)	27.57	35.87	31.78	14.91	16.83	16.03
Cash Dividend (%)	150	170	140	70	70	45

*Shareholders' Equity excludes surplus on revaluation of assets, per the bank's own presentation. Reproduced exactly as published in Bank AL Habib's official "Financial Highlights" six-year summary (bankalhabib.com/files/download/documents/Financial-Highlights-2025.pdf) — the same document used to verify every figure elsewhere on this page. Note the pattern this reveals: profit roughly doubled from 2022 to 2024 as rates rose, then declined through 2025 as the rate cycle turned — deposits and equity kept growing throughout even as profit and dividend pulled back.

Consolidated Group Results

Metric	FY2025 (Consolidated)	FY2024 (Consolidated)
Profit After Tax	Rs 32.5bn	Rs 41.9bn
Earnings Per Share	Rs 29.19	Rs 37.70

Consolidated figures include AL Habib Asset Management Limited and other group entities alongside the standalone bank. The year-on-year decline reflects compressed net interest margins as lending rates fell faster than deposit rates during 2025, plus higher operating costs — not a deterioration in the bank's underlying franchise, which continued growing deposits and its branch network through the same period.

Dividend History

Year	Total Dividend
2026 (interim, declared so far)	70% (Rs 7.00/share) — Rs 3.50 (Q1) + Rs 3.50 (H1) interim, both declared to date
FY2025	150% (Rs 15.00/share) — Rs 10.50 interim + Rs 4.50 final
FY2024	170% (Rs 17.00/share) — Rs 10.50 interim + Rs 6.50 final

The 2026 row reflects interim dividends declared to date only, per the bank's PSX filings — it is not a full-year figure and will grow as further interim or final dividends are declared later in the year.

Why Profit Fell Despite a Bigger Balance Sheet

Per the bank's own annual report, the profit decline was mainly driven by a significant decrease in interest rates over the preceding two years, combined with slower growth in the bank's current (non-remunerative) deposit base — a structural challenge shared across much of the Pakistani banking sector as the policy-rate cycle reversed from its earlier highs.

Sourced from Bank AL Habib's official Transmission of Annual Report for the Year Ended December 31, 2025.

Recent Financial Awards & Recognition

PSX "Top 25 Companies Award" (2023)

The ninth time Bank AL Habib has received this PSX recognition, based on profitability, liquidity, dividend, solvency, ESG reporting, and investor-relations criteria.

IFC Outstanding GTFP Issuing Bank

"Outstanding Global Trade Finance Program (GTFP) Issuing Bank" in SME Transactions — Middle East 2024.

Citibank STP Award

Recognized for outstanding performance executing USD commercial and treasury payments on a straight-through-processing basis.

Bank AL Habib Share Price — Dated Snapshot

Metric	As of August 18, 2026
Share Price (PSX: BAHL)	Rs 174.06
Price/Earnings (TTM)	7.24x
Market Capitalization	~Rs 193.5bn
52-Week Range	Rs 144.90 – Rs 230.01

This is a dated snapshot, not a live quote — share prices move continuously during market hours. Check PSX's own company page for the current price before making any decision.

Bank AL Habib Share Price — PSX Official Filings

For the most current, primary-source version of anything on this page — a newly filed quarterly result, a board meeting notice, a dividend declaration, or the AGM/EOGM calendar — PSX's own company page for BAHL is the authoritative record, not a bank press release or a third-party stock tracker. It's organized into distinct notice categories: PSX Notices, Company Announcements, Corporate Briefing Sessions (CBS), CDC Notices, SECP Notices, NCCPL Notices, AGM/EOGM Calendar, and Payouts.

PSX Company Page

dps.psx.com.pk/company/BAHL — official notices, announcements, financial reports, and payout history, sourced directly from PSX rather than a secondary aggregator.

Listed Debt (TFCs)

Bank AL Habib has issued multiple Term Finance Certificates on PSX's debt market over the years — for example BAHLTFC10, its 10th TFC issue — alongside the equity listing under ticker BAHL.

Invest via Bank AL Habib

Existing account holders can open a CDC/brokerage account digitally through psx.bankalhabib.com to invest directly in PSX-listed securities.

Sourced from PSX's official company page for BAHL and Bank AL Habib's own psx.bankalhabib.com portal. A word of caution for anyone researching this stock further: some third-party financial trackers carry stale or mismatched data for BAHL — one aggregator lists it under an unrelated ticker with different financials entirely, and another incorrectly claims the bank has never paid a dividend, when FY2025 alone saw a 150% (Rs 15/share) payout. Treat PSX's own company page, and Bank AL Habib's own investor-information page, as the sources to trust.

Latest Corporate Development

On August 20, 2026, the Board approved a proposal to acquire the remaining 33.33% stake in AL Habib Capital Markets (Private) Limited, its brokerage subsidiary — a move toward full (100%) ownership, subject to negotiation with other shareholders and approval from SBP and other regulators. See the Bank Overview page's Recent Corporate News section for the full detail; not yet reflected in any financial statement since it remains an approved proposal rather than a completed transaction.

Investor Relations Contacts

Item	Detail
Share Registrar	CDC Share Registrar Services Limited — 0800-23275 (toll-free), info@cdcsrsl.com
Statutory Auditors	KPMG Taseer Hadi & Co, Chartered Accountants
Legal Advisor	Liaquat Merchant Associates
Shares Department	2nd Floor, Haji Adam Chamber, Altaf Hussain Road, New Challi, Karachi
SECP Investor Complaint Portal	sdms.secp.gov.pk

Sourced from Bank AL Habib's official Investor Information page (bankalhabib.com/investor-information).

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