BAHL declares Rs3.5 dividend as earnings ease 22% for 9MFY25

News Image

MG News | October 23, 2025 at 03:20 PM GMT+05:00

0:00

October 23, 2025 (MLN): Bank AL Habib Limited (PSX: BAHL) shared a profit after tax of Rs26.68bn for the nine months ended September 30, 2025, compared to Rs34.41bn in the same period last year, a 22% YoY decline.

Earnings per share stood at Rs23.99, down from Rs30.95.

The Board of Directors declared cash dividend of Rs3.5 per share.

The bank’s total income slipped 11% to Rs124.2bn, as net mark-up/interest income fell 15% to Rs99.59bn from Rs117.53bn a year earlier.

Both mark-ups earned and expensed declined by 29% and 35%, respectively.

Non-mark-up/interest income rose 13% to Rs24.61bn, driven by higher foreign exchange income up 47% YoY and a modest rise in fee, commission, and dividend income.

On the expense side, non-mark-up/interest expenses increased 14% to Rs70.99bn, mainly due to a 15% jump in operating costs.

Profit before tax came in at Rs55.41bn, compared to Rs65.06bn last year, while profit after tax dropped to Rs26.68bn due to higher taxation of Rs28.73bn.

STATEMENT OF PROFIT OR LOSS FOR THE NINE MONTHS ENDED SEPTEMBER 30, 2025 (Rs.000)

Description

9MFY25

9MFY24

change%

Mark-up / return / interest earned

260,631,796

367,165,146

-29%

Less: Mark-up / return / interest expensed

(161,046,771)

(249,635,913)

-35%

Net mark-up / return / interest income

99,585,025

117,529,233

-15%

NON MARK-UP / INTEREST INCOME

Fee and commission income

16,258,229

15,815,721

3%

Dividend income

387,737

361,598

7%

Foreign exchange income

5,665,122

3,862,206

47%

Income / (loss) from derivatives

-

-

Gain / (loss) on securities - net

541,090

(234,238)

Net gain / (loss) on derecognition of financial assets measured at amortised cost

-

-

Share of profit from associates

1,015,054

1,016,059

-0.1%

Other income

744,079

892,800

-17%

Total non mark-up / interest income

24,611,311

21,714,146

13%

Total income

124,196,336

139,243,379

-11%

NON MARK-UP / INTEREST EXPENSES

Operating expenses

(69,783,967)

(60,553,755)

15%

Workers welfare fund

(1,126,995)

(1,444,736)

-22%

Other charges

(76,271)

(306,918)

-75%

Total non mark-up / interest expenses

(70,987,233)

(62,305,409)

14%

Profit before credit loss allowance

53,209,103

76,937,970

-31%

Credit loss allowance and write offs - net

2,199,596

(11,877,077)

Extra ordinary / unusual items

-

-

PROFIT BEFORE TAXATION

55,408,699

65,060,893

-15%

Taxation

(28,732,006)

(30,649,525)

-6%

PROFIT AFTER TAXATION

26,676,693

34,411,368

-22%

Earning per share

23.99

30.95

-22%

 

Copyright Mettis Link News

Related News

Name Price/Vol %Chg/NChg
KSE100 167,085.58
225.68M
0.48%
802.03
ALLSHR 101,220.72
685.91M
0.47%
477.65
KSE30 50,772.02
134.57M
0.57%
290.16
KMI30 239,923.35
145.03M
0.77%
1831.31
KMIALLSHR 66,042.80
345.76M
0.65%
425.34
BKTi 45,106.39
29.18M
0.06%
24.91
OGTi 33,583.05
26.44M
1.52%
502.39
Symbol Bid/Ask High/Low
Name Last High/Low Chg/%Chg
BITCOIN FUTURES 89,425.00 0.00
0.00
-175.00
-0.20%
BRENT CRUDE 63.86 64.09
63.06
0.60
0.95%
RICHARDS BAY COAL MONTHLY 91.00 0.00
0.00
0.10
0.11%
ROTTERDAM COAL MONTHLY 97.25 97.25
97.25
0.05
0.05%
USD RBD PALM OLEIN 1,016.00 1,016.00
1,016.00
0.00
0.00%
CRUDE OIL - WTI 60.14 0.00
0.00
0.06
0.10%
SUGAR #11 WORLD 14.82 15.02
14.73
-0.06
-0.40%

Chart of the Day


Latest News
December 07, 2025 at 11:19 AM GMT+05:00

FBR busts biggest illegal tobacco setup in Mardan


December 07, 2025 at 11:07 AM GMT+05:00

Weekly Market Roundup


December 07, 2025 at 09:40 AM GMT+05:00

FFC, PAEL enter the MZNPI fold in latest review


December 06, 2025 at 11:55 PM GMT+05:00

GCC–Pakistan FTA dominates Doha forum


December 06, 2025 at 11:17 PM GMT+05:00

Binance Boss lands in Islamabad for Crypto rule talks



Top 5 things to watch in this week

Pakistan Stock Movers
Name Last Chg/%Chg
Name Last Chg/%Chg