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

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

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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%

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