HBL Financial Results — FY2025
Part of PakFinHub's HBL coverage — see the full bank overview.
This HBL annual report summary covers HBL's audited FY2025 results in full, and is now updated with the bank's latest published figures — the unaudited Condensed Interim Financial Statements for the half-year ended June 30, 2026, reviewed by A. F. Ferguson & Co. and authorised for issue by the Board on August 4, 2026.
Latest: H1 2026 Interim Results (Unconsolidated)
- Profit Before Tax
- Rs 70.2 billion
- Profit After Tax
- Rs 33.5 billion
- EPS (H1 2026)
- Rs 22.87
- Total Assets
- Rs 7.60 trillion
- Total Deposits
- Rs 5.59 trillion
- Total Advances (gross)
- Rs 2.01 trillion
- Interim Dividend (Q2 2026)
- Rs 6.00/share (60%)
- Total H1 2026 Dividend
- Rs 12.00/share (Q1 + Q2)
Confirmed directly from HBL's Condensed Interim Unconsolidated Financial Statements for the six months ended June 30, 2026, reviewed by A. F. Ferguson & Co., Chartered Accountants (appointed as HBL's statutory auditor at the March 2026 AGM, succeeding KPMG Taseer Hadi & Co.). The Board declared the Q2 2026 interim dividend at its August 4, 2026 meeting, on top of the Q1 2026 dividend of Rs 6.00/share declared earlier — Rs 12.00/share total for the half-year. These figures are unconsolidated (the Bank standalone); consolidated Group profit before tax for the same half-year was Rs 73.1 billion.
HBL Annual Report — FY2025 Headline Numbers
- Profit Before Tax
- Rs 148.1 billion
- Profit After Tax
- Rs 66.8 billion
- EPS (2025)
- Rs 45.48
- Total Assets
- Rs 7.7 trillion
- Total Deposits
- Rs 5.5 trillion
- Total Advances
- Rs 2.1 trillion
- Total Revenue
- Rs 361 billion
- Final Cash Dividend
- Rs 6.00/share (60%)
Confirmed directly from HBL's FY2025 results announcement and Annual Report 2025 (both hbl.com/assets/documents, and cross-checked against the Business Recorder report on the same filing). These are consolidated Group figures; see the H1 2026 section above for the Bank's own more recent unconsolidated numbers.
Year-over-Year Growth (FY2025)
| Metric | 2025 | YoY Change |
|---|---|---|
| Profit before tax | Rs 148.1bn | +23% |
| Profit after tax | Rs 66.8bn | +16% |
| Balance sheet | Rs 7.7tn | +27% |
| Total deposits | Rs 5.5tn | +~28% (Rs 1.2tn added) |
| Domestic deposits | Rs 4.7tn | +30% |
| Domestic deposit market share | 12.65% | up from 12.06% in Dec 2024 |
Confirmed directly from HBL's official FY2025 results press release.
What Drove the Numbers
Non-fund income of Rs 86 billion was led by strong Treasury business contributions, while fee income of Rs 47 billion drew on the Cards business, Bancassurance, and retail banking. Cost discipline held administrative expense growth to 4%, improving the cost-to-income ratio to 55.6%. Asset quality also improved: HBL's infection ratio (non-performing loans as a share of total advances) fell to 4.6%, helped by strong recoveries even as the loan book grew.
Confirmed directly from HBL's official FY2025 results press release.
Key Ratios — CAR
| Ratio | Dec 2025 (FY2025) | Jun 2026 (H1 2026, unconsolidated) |
|---|---|---|
| CET 1 CAR | 14.05% | 13.79% |
| Tier 1 CAR | 14.58% | 14.30% |
| Total CAR | 18.98% | 17.80% |
| Cost-to-income ratio (FY2025, consolidated) | 55.6% | — |
| Infection ratio (NPLs / total advances, FY2025) | 4.6% | — |
CAR figures confirmed directly from HBL's Condensed Interim Unconsolidated Financial Statements, Note 37 (Capital Adequacy, Leverage Ratio & Liquidity Requirements). All ratios remain comfortably above the SBP's minimum requirements (Total CAR minimum: 13.00%).
Regulatory Ratios — Leverage, LCR & NSFR (H1 2026)
| Ratio | HBL (Unconsolidated) | SBP Minimum |
|---|---|---|
| Leverage Ratio | 4.23% | 3.00% |
| Liquidity Coverage Ratio (LCR) | 224.59% | 100.00% |
| Net Stable Funding Ratio (NSFR) | 186.92% | 100.00% |
Confirmed directly from HBL's Condensed Interim Unconsolidated Financial Statements, Note 37, as at June 30, 2026. These three ratios measure, respectively, how much leverage the bank is carrying relative to its capital, its ability to cover 30 days of net cash outflow with high-quality liquid assets, and the stability of its funding profile over a one-year horizon — useful figures for comparing balance-sheet resilience across banks, not just profit size.
Quarterly Trajectory Through 2025
| Period | Profit Before Tax | Profit After Tax | Deposits |
|---|---|---|---|
| Q1 2025 | Rs 36.6bn | — | Rs 4.4tn |
| H1 2025 | Rs 75.3bn | — | Rs 5.2tn (first bank to cross Rs 5tn) |
| 9M 2025 | Rs 112.2bn | Rs 51.4bn | Rs 5.1tn |
| FY 2025 | Rs 148.1bn | Rs 66.8bn | Rs 5.5tn |
| H1 2026 (unconsolidated) | Rs 70.2bn | Rs 33.5bn | Rs 5.59tn |
Confirmed directly from HBL's own quarterly, full-year, and half-year results announcements (hbl.com/assets/documents).
Credit Rating
VIS Credit Rating Company reaffirmed HBL's entity ratings at AAA (long-term) / A1+ (short-term) with a Stable outlook in June 2025 — the highest ratings either category carries. Full detail, including PACRA's rating and where to check for updates, is on PakFinHub's Investor Relations & Credit Rating page.
Confirmed directly from VIS Credit Rating Company's official press release (vis.com.pk).
Awards Recognizing FY2025 Performance
HBL was named Pakistan's Best Bank for Corporates by Euromoney for the second consecutive year, alongside Pakistan's Best Investment Bank (Global Finance Awards 2025), Best Sukuk House (Euromoney Islamic Finance Award), and Best Bank for ESG (Pakistan Banking Awards 2025) — the last recognizing its Environmental, Social, and Governance integration specifically.
Confirmed directly from HBL's Annual Report 2025 accolades section.
Frequently Asked Questions
How often are these results updated?
Quarterly, in line with PSX disclosure requirements — check PakFinHub's Investor Relations page for the latest reporting cycle and where to verify it directly.
Where do these figures come from?
Every number here traces back to the bank's own audited or reviewed results and its Annual Report and interim filings, not third-party estimates or aggregator sites.
Why do consolidated and unconsolidated figures differ?
Consolidated figures fold in HBL's subsidiaries (HBL Bank UK, HBL Microfinance Bank, HBL Asset Management, and others); unconsolidated figures are the Bank standalone. Both are published every reporting period.
Good For
- Investors checking HBL's audited FY2025 numbers
- Anyone comparing deposit market share across banks
- Due diligence on asset quality (infection ratio, CAR)
- Dividend and EPS history at a glance
Official Sources
Every figure on this HBL annual report page traces back to one of these primary sources — check them directly for the current, live version of anything time-sensitive.
- HBL Official Website — product pages, rate sheets, and press releases
- State Bank of Pakistan — regulatory data and consumer protection guidance
- Pakistan Stock Exchange — HBL's live share data and corporate announcements
How to Verify the Latest Information
Rates, fees, eligibility rules, and contact details change — sometimes without much notice. Before acting on anything time-sensitive from this page, cross-check it directly against the official HBL source links above, or call HBL PhoneBanking at 111-111-425 to confirm. If something here doesn't match what HBL currently states, treat HBL's own page as the authority and let us know so we can correct it.
Page last verified: August 24, 2026. PakFinHub is an independent publisher, not affiliated with or operated by HBL.
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