HBL Major Banks
Finance
Mkt Cap
430.3B
P/E (TTM)
6.49
EPS
45.48
ROE
15.14%
Div Yield
7.33%
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | ||
|---|---|---|---|---|---|---|
| Regulatory Capital | ||||||
| CET1 Ratio | 13.33% | 13.48% | 11.55% | 10.79% | 11.53% | |
| Tier 1 Capital Ratio | 14.01% | 14.27% | 12.44% | 11.81% | 12.28% | |
| Tier 2 Capital Ratio | 4.31% | 3.43% | 3.56% | 3.03% | 3.34% | |
| Total Capital Ratio | 18.32% | 17.70% | 16.01% | 14.83% | 15.63% | |
| Tier 1 Capital | 372.94B | 334.86B | 266.52B | 222.35B | 205.07B | |
| Risk-Weighted Assets | 2.66T | 2.35T | 2.14T | 1.88T | 1.67T | |
| Asset Quality | ||||||
| Non-Performing Loans | 204.69B | 223.13B | 203.80B | 90.90B | 80.89B | |
| NPL Ratio (NPL/Gross Loans) | 0.09% | 0.08% | 0.10% | 0.04% | 0.05% | |
| Loan Loss Coverage | -0.19% | -0.04% | 0.43% | -0.49% | 0.31% | |
| NPL / Loan Loss Reserve | 1.57 | 1.62 | 1.97 | 0.99 | 0.96 | |
| Reserve / Gross Loans | 0.06% | 0.05% | 0.05% | 0.04% | 0.05% | |
| Profitability | ||||||
| Return on Equity (ROE) | 14.89% | 15.14% | 17.87% | 12.13% | 12.96% | |
| Return on Assets (ROA) | 0.96% | 1.01% | 1.13% | 0.76% | 0.86% | |
| Operating Margin | 39.47% | 31.75% | 36.25% | 37.70% | 35.78% | |
| Net Margin | 19.01% | 18.50% | 19.69% | 16.08% | 21.26% | |
| Yield on Earning Assets | 11.90% | 17.13% | 16.88% | 11.64% | 7.79% | |
| Interest Income / Deposits | 5.93% | 6.03% | 6.71% | 5.24% | 4.76% | |
| Deposit & Loan Structure | ||||||
| Deposits / Total Assets | 0.66% | 0.70% | 0.71% | 0.72% | 0.70% | |
| Loans / Deposits (ADR) | 0.44% | 0.62% | 0.53% | 0.64% | 0.57% | |
| Loans / Total Assets | 0.29% | 0.44% | 0.38% | 0.46% | 0.40% | |
| Equity / Deposits | 0.10% | 0.10% | 0.09% | 0.08% | 0.09% | |
| Cash / Deposits | 0.97% | 0.70% | 0.80% | 0.67% | 0.79% | |
| CASA Ratio | 0.39% | 0.36% | 0.35% | 0.41% | 0.38% | |
| Per Share | ||||||
| Book Value Per Share | 331.97 | 278.93 | 247.62 | 192.35 | 190.64 | |
| Tangible Book Per Share | 311.04 | 261.99 | 232.13 | 179.79 | 182.03 | |
| Shares & Market | ||||||
| Total Shares Outstanding | 1,466,852,000 | 1,466,852,000 | 1,466,852,508 | 1,466,852,508 | 1,466,852,000 | |
| Market Cap | 474.39B | 255.91B | 162.59B | 93.48B | 171.06B | |
| Enterprise Value | 1.59T | 711.67B | 477.67B | 532.93B | 523.28B | |
| Employees | 21,818 | 21,377 | 20,640 | 21,841 | 21,703 | |
| Shareholders | 91,413 | 91,413 | 91,413 | 91,413 | 91,413 | |