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Bank AL Habib Limited reported profit after tax of Rs 30.637 billion for the year ended December 31, 2025, down 23.1% from Rs 39.862 billion in 2024. The bank’s directors attributed the decline mainly to lower interest rates over the preceding two years. The reported results establish the size of the fall; they do not, on the figures cited here, quantify how much higher expenses contributed.
How much did Bank AL Habib’s profit decline?
On a fiscal-year comparison, profit after tax fell by Rs 9.225 billion, from Rs 39.862 billion in 2024 to Rs 30.637 billion in 2025. Those are Bank AL Habib Limited’s reported results, not figures for another Habib-branded bank. The FY2025 annual report filed with the Pakistan Stock Exchange gives the reported profit figures.
What do the before-tax results show?
The bank reported profit before tax of Rs 65.520 billion for 2025 and taxation of Rs 34.882 billion, resulting in profit after tax of Rs 30.637 billion. This separates the pre-tax result from the amount remaining after tax; it does not by itself explain the year-on-year decline.
How did interest earned and EPS change?
Mark-up, return and interest earned declined from Rs 478.031 billion in 2024 to Rs 337.141 billion in 2025, a 29.5% decrease. This is the amount earned on the relevant income line, not the bank’s net profit. The comparison appears in the FY2025 result announcement reproduced by Investify.pk.
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Basic and diluted earnings per share fell from Rs 35.87 in 2024 to Rs 27.57 in 2025, also a 23.1% decrease. EPS expresses profit on a per-share basis and is distinct from the total rupee profit.
What reason did the bank give for the decline?
Bank AL Habib’s FY2025 Directors’ Report states: “Profit of the Bank was declined mainly due to significant decrease in the interest rate during the last two years.” This is the issuer’s stated explanation. It indicates that the bank sees the fall in interest rates as the main factor, but it is not an independent estimate of how much each factor contributed.
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Did higher expenses cause the profit to fall?
The results cited here do not establish a detailed annual operating-expense increase or quantify its contribution to the profit decline. So, although higher expenses appear in the supplied title, the available figures do not support an expense bridge or a claim about the share of the fall caused by costs. The annual report is the primary filing for readers who want to examine the bank’s full financial statements and notes.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.2025 versus 2024 at a glance
| Measure | 2025 | 2024 | Change |
|---|---|---|---|
| Profit before tax | Rs 65.520 billion | not stated in the cited FY2025 figures; see the annual report | not stated |
| Taxation | Rs 34.882 billion | not stated in the cited FY2025 figures; see the annual report | not stated |
| Profit after tax | Rs 30.637 billion | Rs 39.862 billion | down 23.1% |
| Mark-up, return and interest earned | Rs 337.141 billion | Rs 478.031 billion | down 29.5% |
| Basic/diluted EPS | Rs 27.57 | Rs 35.87 | down 23.1% |
The result announcement and annual report provide the financial comparisons above. For issuer identity and exchange-level company information, see the PSX Bank AL Habib company profile.
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