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Bank AL Habib Limited reported standalone profit after tax of Rs 19.324 billion for the six months ended June 30, 2025, down from Rs 21.138 billion in the restated prior-year period. Its unaudited interim results show lower net markup income and total income alongside higher operating expenses, but do not identify one definitive cause for the decline.
How much did Bank AL Habib earn in H1 2025?
The bank’s unaudited standalone results show profit before tax of Rs 39.084 billion and profit after tax of Rs 19.324 billion for the six months ended June 30, 2025. The comparable figures for the six months ended June 30, 2024, which the report marks as restated, were Rs 40.604 billion and Rs 21.138 billion, respectively. Bank AL Habib’s half-year report, filed with the Pakistan Stock Exchange, presents amounts in Pakistani rupees; statement amounts are generally in thousands unless otherwise indicated.
| Standalone measure | Six months ended June 30, 2025 | Restated six months ended June 30, 2024 | Change |
|---|---|---|---|
| Profit before tax | Rs 39.084 billion | Rs 40.604 billion | Down about 3.7% (calculated from reported values) |
| Profit after tax | Rs 19.324 billion | Rs 21.138 billion | Down about 8.6% (calculated from reported values) |
| Basic and diluted earnings per share | Rs 17.39 | Rs 19.02 | Down about 8.6% (calculated from reported values) |
The percentage changes are calculations from the figures in the interim statement, not percentages separately quoted by the bank. These are standalone results for the bank itself, not consolidated group figures.
What changed in income and expenses?
The reported figures point to movements in both income and costs. Net markup, return and interest income was lower than in the restated prior-year half, while non-markup income increased. Total income nevertheless declined, and operating expenses rose.
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| Standalone measure | H1 2025 | Restated H1 2024 | Direction |
|---|---|---|---|
| Net markup/return/interest income | Rs 66.335 billion | Rs 74.635 billion | Lower |
| Total non-markup/interest income | Rs 15.342 billion | Rs 14.169 billion | Higher |
| Total income | Rs 81.676 billion | Rs 88.804 billion | Lower |
| Operating expenses | Rs 44.413 billion | Rs 39.761 billion | Higher |
These comparisons describe what changed, not why it changed. The interim report does not establish that interest-rate movements, deposit pricing, credit quality or a specific expense caused the overall profit decline. The directors’ review describes the period’s performance as “satisfactory”; that is the board’s characterization, alongside the reported fall in profit.
Why did Bank AL Habib profit fall?
The report documents lower net markup income and total income, together with higher operating expenses. Those movements help explain the reported results, but the report does not assign the decline to a single cause. It would go beyond the available evidence to attribute the change to a particular market factor or cost item.
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How did deposits, advances and investments move?
The directors’ review compares balances at June 30, 2025 with those at December 31, 2024. These are changes in balance-sheet amounts over six months, not comparisons of first-half income with the prior-year half.
- Deposits: Rs 2.48 trillion at June 30, 2025, compared with Rs 2.28 trillion at December 31, 2024.
- Advances: Rs 903.5 billion, compared with Rs 910.9 billion at December 31, 2024.
- Investments: Rs 1.94 trillion, compared with Rs 1.92 trillion at December 31, 2024.
What dividend did the bank declare?
At its August 27, 2025 meeting, the Board declared a second interim cash dividend of Rs 3.50 per share. Added to the Rs 3.50 per share already paid, the total interim dividend for the half-year was Rs 7.00 per share.
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How to read the 2024 comparison
The report identifies the 2024 comparative figures as restated. Its notes describe restatement related to the accounting treatment of subsidised loans and staff financing under IFRS 9. The figures above therefore use the restated comparator; comparing them with a previously published, unrevised 2024 result would use a different basis.
Bank AL Habib Limited is a Pakistan-incorporated commercial bank listed on the Pakistan Stock Exchange. The report also contains consolidated statements for the group, which includes AL Habib Capital Markets (Private) Limited, AL Habib Asset Management Limited and AL Habib Exchange Company (Private) Limited. The results in this article are standalone unless explicitly identified otherwise.
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