Bank Al Habib Limited reported consolidated earnings per share of PKR 6.19 in 3QCY25, down 46% from PKR 11.47 in 3QCY24. This translates into profit after tax of PKR 6.9 Bn compared to PKR 12.7 Bn in SPLY. The bank declared a dividend of PKR 3.5 per share in 3QCY25 in line with PKR 3.5 in 3QCY24. Total revenue in 3QCY25 reached PKR 41.1 Bn against PKR 49.3 Bn in 3QCY24, a decrease of 17%.
This was primarily driven by a 23% decrease in mark-up income from PKR 42.8 Bn in 3QCY24 to PKR 33.1 Bn in 3QCY25. The bank saw its total deposits rise from PKR 2.28 Trn at the end of CY24 to PKR 2.50 Trn at the end of 3QCY25, an increase of 10%. It expects its deposit growth to be about 15% moving forward.
Current accounts now stand at 39% of the bank’s deposit base while savings accounts stand at 40%. Investments stood at PKR 1.85 Trn at Sep-2025, down 4% from PKR 1.92 Trn at the end of CY24. Out of this, the bank holds PKR 1.4 Trn in PIB floaters with a duration of 3.9 years. It also holds PKR 137 Bn in fixed PIBs with a duration of 2.8 years and a yield of about 12.5%. The bank’s CAR ratio improved to 18.7% as of Sep-2025 compared to 17.9% as of Dec-2024. Moving forward, the bank aims to continue opening branches with the percentage of Islamic banking branches to rise from the current 28% to 29-30% by year end. Additionally, management was of the view that there will be no more cuts in the policy rate in the near future.
Important Disclosures
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