Bank AL Habib posts around 9% decline in half-year earnings

Consolidated Statement of Profit and Loss for the Half Year Ended June 30, 2025 (Rs '000')

Particulars

Jun-25

Jun-24

%Change

Mark-up / return / interest earned

178,130,720

243,722,701

-26.91%

Mark-up / return / interest expensed

(111,623,007)

(169,019,146)

-33.96%

Net mark-up / return / interest income

66,507,713

74,703,555

-10.97%

Non Mark-up / Interest Income

Fee and commission income

12,114,137

10,328,420

17.29%

Dividend income

353,192

361,598

-2.32%

Foreign exchange income

3,553,548

3,463,762

2.59%

Income / (loss) from derivatives

–

–

Loss on securities - net

(433,646)

(168,113)

157.95%

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

–

–

Share of profit from associates

437,257

661,701

-33.92%

Other income

583,815

547,016

6.73%

Total non mark-up / interest income

16,608,303

15,134,384

9.74%

Total Income

83,116,016

89,897,939

-7.54%

Non Mark-up / Interest Expenses

Operating expenses

(44,929,922)

(40,016,619)

12.28%

Workers welfare fund

(820,040)

(927,117)

-11.55%

Other charges

(30,595)

(127,846)

-76.07%

Total non mark-up / interest expenses

(45,780,557)

(41,071,726)

11.46%

Profit before credit loss allowance

37,335,459

48,825,763

-23.53%

Credit loss allowance and write offs - net

2,648,755

(7,391,716)

Extra ordinary / unusual items

–

–

Profit Before Taxation

39,984,214

41,434,047

-3.50%

Taxation

(20,194,025)

(19,768,192)

2.15%

Profit After Taxation

19,790,189

21,665,855

-8.66%

Attributable to:

Equity holders of the Holding Company

19,781,509

21,660,675

-8.68%

Non-controlling interest

8,680

5,180

67.57%

Profit After Taxation

19,790,189

21,665,855

-8.66%

Basic and diluted earnings per share attributable to equity holders (Rs)

17.8

19.49

-8.67%