Habib Bank Limited (HBL) Financial Statements, Ratios & Dividends
About
Habib Bank Ltd. engages in the provision of commercial banking services. It operates through the following segments: Branch Banking, Consumer, SME, and Agriculture Lending, Islamic Banking, Corporate, Commercial, and Investment Banking, International and Correspondent Banking, Treasury, Asset Management, Microfinance, and Head Office/Others. The Branch Banking segment pertains to the branch distribution network, its related deposit and other products, and general banking services. The Consumer, SME, and Agriculture Lending segment includes loan products offered to the Consumer, SME, and Agriculture segments. The Islamic Banking segment focuses on the business lines of Islamic banking network and all Islamic products offered `by the bank. The Corporate, Commercial, and Investment Banking segment provides financial products and services. The International and Correspondent Banking segment includes all international branches and subsidiaries, the financial institutions business, and global remittances. The Treasury segment offers asset and liability management. The Asset Management segment focuses on HBL Asset Management Limited. The Microfinance segment includes HBL Microfinance Bank Limited. The Head Office/Others segment includes numbers related to HBL Konnect, Head Office functions, and HBL Currency Exchange. The company was founded in 1941 and is headquartered in Karachi, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 756.67B | 883.50B | |
| Net Income | 66.72B | 58.46B | |
| EPS | 45.48 | 39.85 | |
| ROE | 14.89% | 15.14% | |
| ROA | 0.96% | 1.01% | |
| Net Margin | 19.01% | 18.50% | |
| Current Ratio | 0.17 | 0.17 | |
| DPS | 20.00 | 16.25 | |
| Free Cash Flow | -13.36B | 125.11B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Interest Income | 684.80B | 816.27B | |
| Total Interest Expense | -405.76B | -567.57B | |
| Net Interest Income | 279.03B | 248.70B | |
| Loan Loss Provision | -14.71B | -21.44B | |
| Net Interest Income after LLP | 264.32B | 227.27B | |
| Non-Interest Income | 71.88B | 67.22B | |
| Commissions & Fees | 41.94B | 45.56B | |
| Foreign Exchange Income | 8.91B | 7.90B | |
| Non-Interest Expense | -197.68B | -194.18B | |
| Labor & Personnel | -74.71B | -69.48B | |
| Total Revenue | 756.67B | 883.50B | |
| Operating Income | 138.51B | 100.31B | |
| Pre-Tax Income | 141.57B | 115.57B | |
| Income Tax | -81.33B | -62.53B | |
| Minority Interest | -47.73M | 653.11M | |
| Net Income | 66.72B | 58.46B | |
| EPS (Basic) | 45.48 | 39.85 | |
| EPS (Diluted) | 45.48 | 39.85 | |
| Non-Interest Income / Revenue | 20.48% | 21.28% | |
| Operating Margin | 39.47% | 31.75% | |
| Net Margin | 19.01% | 18.50% | |
| Pre-Tax Margin | 18.71% | 13.08% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Regulatory Capital | |||
| CET1 Ratio | 13.33% | 13.48% | |
| Tier 1 Capital Ratio | 14.01% | 14.27% | |
| Tier 2 Capital Ratio | 4.31% | 3.43% | |
| Total Capital Ratio | 18.32% | 17.70% | |
| Tier 1 Capital | 372.94B | 334.86B | |
| Risk-Weighted Assets | 2.66T | 2.35T | |
| Asset Quality | |||
| Non-Performing Loans | 204.69B | 223.13B | |
| NPL Ratio (NPL/Gross Loans) | 0.09% | 0.08% | |
| Loan Loss Coverage | -0.19% | -0.04% | |
| NPL / Loan Loss Reserve | 1.57 | 1.62 | |
| Reserve / Gross Loans | 0.06% | 0.05% | |
| Profitability | |||
| Return on Equity (ROE) | 14.89% | 15.14% | |
| Return on Assets (ROA) | 0.96% | 1.01% | |
| Operating Margin | 39.47% | 31.75% | |
| Net Margin | 19.01% | 18.50% | |
| Yield on Earning Assets | 11.90% | 17.13% | |
| Interest Income / Deposits | 5.93% | 6.03% | |
| Deposit & Loan Structure | |||
| Deposits / Total Assets | 0.66% | 0.70% | |
| Loans / Deposits (ADR) | 0.44% | 0.62% | |
| Loans / Total Assets | 0.29% | 0.44% | |
| Equity / Deposits | 0.10% | 0.10% | |
| Cash / Deposits | 0.97% | 0.70% | |
| CASA Ratio | 0.39% | 0.36% | |
| Per Share | |||
| Book Value Per Share | 331.97 | 278.93 | |
| Tangible Book Per Share | 311.04 | 261.99 | |
| Shares & Market | |||
| Total Shares Outstanding | 1,466,852,000 | 1,466,852,000 | |
| Market Cap | 474.39B | 255.91B | |
| Enterprise Value | 1.59T | 711.67B | |
| Employees | 21,818 | 21,377 | |
| Shareholders | 91,413 | 91,413 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 20.00 | 16.25 | |
| Dividend Yield | 6.18% | 9.31% | |
| Payout Ratio | 43.97% | 40.78% | |
| Total Dividends Paid | -26.61B | -25.27B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 7.11 | 4.38 | |
| P/B Ratio | 0.97 | 0.63 | |
| P/S Ratio | 1.35 | 0.81 | |
| P/CF Ratio | 38.86 | 1.70 | |
| Market Cap | 474.39B | 255.91B | |
| Enterprise Value | 1.59T | 711.67B |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 810.34B | |
| Operating Income | 137.77B | |
| Net Income | 66.82B | |
| Free Cash Flow | 23.54B | |
| EPS (Basic) | 45.55 | |
| Margins | ||
| Operating Margin | 38.57% | |
| Net Margin | 18.71% | |
| Returns | ||
| Return on Equity (ROE) | 14.33% | |
| ROIC | 0.06% | |
| Coverage & Debt | ||
| Dividend Coverage | 2.22 | |
| Debt / Revenue | 2.21 | |
| Valuation & Scores | ||
| P/E (TTM) | 6.58 | |
| Sloan Ratio | 5.35 | |
| Zmijewski Score | 0.97 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 14.89% | |
| Return on Tangible Equity | 15.87% | |
| Return on Tangible Assets | 0.97% | |
| Return on Total Capital | 7.69% | |
| ROCE | 7.22% | |
| Growth | ||
| EPS Diluted Growth | 0.14% | |
| Sustainable Growth Rate | 8.34% | |
| Quality & Risk Scores | ||
| Zmijewski Score | 0.95 | |
| Sloan Ratio | 19.22 | |
| Valuation (Computed) | ||
| Graham Number | 582.85 | |
| Tobin's Q Ratio | 0.06 | |
| Leverage & Coverage | ||
| Total Debt / Capital | 0.78% | |
| Assets / Equity (Leverage) | 15.91 | |
| Effective Interest Rate | 2.83% | |
| Debt / Revenue | 2.28 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 4.54 | |
| Dividends (Computed) | ||
| Dividend Coverage | 2.87 | |
| Share Buyback Ratio | 0.00 | |
| Per Employee | ||
| Revenue / Employee | 16.08M | |
| Net Income / Employee | 3.06M | |
| Oper. Income / Employee | 6.35M | |
| Total Assets / Employee | 355.02M | |
| Balance Sheet (Computed) | ||
| Earnings Schedule | ||
| Next Earnings Date | 17 Feb 2027 | |
| Next Fiscal Period | 2026 | |