Habib Bank Limited (PSX:HBL)
Pakistan
· Delayed Price · Currency is PKR 310.08
+0.38 (0.12%)
At close: Dec 5, 2025
Habib Bank Balance Sheet
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 - 2015 |
| Cash & Equivalents | 298,182 | 292,169 | 385,141 | 218,555 | 328,998 | 280,511 | Upgrade
|
| Investment Securities | 2,932,531 | 1,979,809 | 2,025,847 | 2,141,843 | 1,809,416 | 1,841,971 | Upgrade
|
| Trading Asset Securities | 226,034 | 154,496 | 243,298 | 65,191 | 213,463 | 135,787 | Upgrade
|
| Total Investments | 3,158,565 | 2,134,305 | 2,269,145 | 2,207,034 | 2,022,878 | 1,977,759 | Upgrade
|
| Gross Loans | 2,121,655 | 2,589,469 | 1,990,896 | 1,885,744 | 1,630,758 | 1,318,579 | Upgrade
|
| Allowance for Loan Losses | -133,853 | -137,494 | -103,312 | -92,171 | -83,853 | -81,899 | Upgrade
|
| Other Adjustments to Gross Loans | - | -7,048 | -9,240 | -11,075 | -11,086 | -7,912 | Upgrade
|
| Net Loans | 1,987,802 | 2,444,927 | 1,878,345 | 1,782,498 | 1,535,819 | 1,228,768 | Upgrade
|
| Property, Plant & Equipment | 168,231 | 158,233 | 141,894 | 113,872 | 98,676 | 89,190 | Upgrade
|
| Goodwill | - | 4,672 | 4,781 | 3,726 | 3,296 | 3,052 | Upgrade
|
| Other Intangible Assets | 28,881 | 20,177 | 17,939 | 14,696 | 9,334 | 7,361 | Upgrade
|
| Accrued Interest Receivable | 161,264 | 111,345 | 137,593 | 90,545 | 56,511 | 52,227 | Upgrade
|
| Other Receivables | 16,534 | 13,914 | 8,449 | 5,064 | 2,877 | 2,023 | Upgrade
|
| Restricted Cash | 259,243 | 219,350 | 218,991 | 118,974 | 176,693 | 151,302 | Upgrade
|
| Other Current Assets | 118,386 | 115,065 | 65,940 | 72,107 | 62,398 | 51,985 | Upgrade
|
| Long-Term Deferred Tax Assets | - | - | 480.87 | 5,797 | - | - | Upgrade
|
| Other Real Estate Owned & Foreclosed | 483.73 | 400 | 433.91 | 407.23 | 680.99 | 639.38 | Upgrade
|
| Other Long-Term Assets | 1,010,792 | 508,479 | 405,216 | 5,532 | 19,307 | 4,245 | Upgrade
|
| Total Assets | 7,243,403 | 6,055,113 | 5,534,348 | 4,638,806 | 4,317,468 | 3,849,063 | Upgrade
|
| Accrued Expenses | 83,263 | 78,286 | 64,967 | 50,777 | 41,459 | 37,496 | Upgrade
|
| Interest Bearing Deposits | 3,147,347 | 2,805,681 | 2,759,682 | 2,072,843 | 2,211,668 | 1,835,508 | Upgrade
|
| Non-Interest Bearing Deposits | 1,937,076 | 1,565,646 | 1,384,700 | 1,397,027 | 1,170,679 | 994,955 | Upgrade
|
| Total Deposits | 5,084,423 | 4,371,327 | 4,144,383 | 3,469,871 | 3,382,347 | 2,830,463 | Upgrade
|
| Short-Term Borrowings | 1,097,528 | 616,563 | 482,008 | 392,386 | 221,592 | 342,524 | Upgrade
|
| Current Portion of Long-Term Debt | - | 104,673 | 46,485 | 46,803 | 107,873 | 100,570 | Upgrade
|
| Current Portion of Leases | 2,069 | 2,809 | 1,801 | 1,600 | 2,165 | 1,857 | Upgrade
|
| Accrued Interest Payable | 55,268 | 56,165 | 53,786 | 23,864 | 12,604 | 14,209 | Upgrade
|
| Other Current Liabilities | 148,418 | 196,823 | 144,160 | 146,416 | 90,862 | 80,224 | Upgrade
|
| Long-Term Debt | 205,066 | 136,753 | 171,106 | 172,828 | 129,129 | 131,178 | Upgrade
|
| Long-Term Leases | 34,183 | 33,061 | 28,689 | 25,480 | 20,142 | 16,357 | Upgrade
|
| Long-Term Unearned Revenue | 7,497 | 6,240 | 5,680 | 4,780 | 4,453 | 4,230 | Upgrade
|
| Pension & Post-Retirement Benefits | 7,416 | 7,208 | 6,498 | 5,927 | 6,247 | 6,186 | Upgrade
|
| Long-Term Deferred Tax Liabilities | 22,329 | 7,075 | - | - | 5,642 | 8,264 | Upgrade
|
| Other Long-Term Liabilities | 31,866 | 26,412 | 18,765 | 13,052 | 9,827 | 7,886 | Upgrade
|
| Total Liabilities | 6,779,327 | 5,644,315 | 5,168,328 | 4,353,784 | 4,033,782 | 3,583,568 | Upgrade
|
| Common Stock | 14,669 | 14,669 | 14,669 | 14,669 | 14,669 | 14,669 | Upgrade
|
| Retained Earnings | 328,167 | 294,723 | 271,993 | 224,122 | 200,600 | 176,272 | Upgrade
|
| Comprehensive Income & Other | 119,554 | 99,764 | 76,553 | 43,353 | 64,376 | 70,004 | Upgrade
|
| Total Common Equity | 462,389 | 409,156 | 363,215 | 282,143 | 279,645 | 260,944 | Upgrade
|
| Minority Interest | 1,687 | 1,642 | 2,806 | 2,879 | 4,041 | 4,552 | Upgrade
|
| Shareholders' Equity | 464,076 | 410,798 | 366,021 | 285,022 | 283,686 | 265,495 | Upgrade
|
| Total Liabilities & Equity | 7,243,403 | 6,055,113 | 5,534,348 | 4,638,806 | 4,317,468 | 3,849,063 | Upgrade
|
| Total Debt | 1,338,847 | 893,859 | 730,089 | 639,097 | 480,902 | 592,486 | Upgrade
|
| Net Cash (Debt) | -692,570 | -372,391 | -30,052 | -100,758 | 126,530 | -151,291 | Upgrade
|
| Net Cash Per Share | -472.15 | -253.87 | -20.49 | -68.69 | 86.26 | -103.14 | Upgrade
|
| Filing Date Shares Outstanding | 1,467 | 1,467 | 1,467 | 1,467 | 1,467 | 1,467 | Upgrade
|
| Total Common Shares Outstanding | 1,467 | 1,467 | 1,467 | 1,467 | 1,467 | 1,467 | Upgrade
|
| Book Value Per Share | 315.23 | 278.93 | 247.62 | 192.35 | 190.64 | 177.89 | Upgrade
|
| Tangible Book Value | 433,508 | 384,307 | 340,494 | 263,721 | 267,014 | 250,531 | Upgrade
|
| Tangible Book Value Per Share | 295.54 | 261.99 | 232.13 | 179.79 | 182.03 | 170.79 | Upgrade
|
Source: S&P Capital IQ. Banks template. Financial Sources.