HBL 1HFY25 profit Rs34.4bn, Rs4.50/share dividend declared
MG News | July 31, 2025 at 02:12 PM GMT+05:00
July 31, 2025 (MLN): Habib Bank Limited (PSX:HBL) reported a net
profit of Rs34.44 billion for the half year ended June 30 2025, showing a YoY
increase of 18.6% compared to Rs29.04bn in the same period last year.
In addition to the strong earnings performance, the company declared
a cash dividend of Rs4.50 per share for the second quarter ended.
This increase in profitability came despite a 20.8% drop in
mark-up/interest income, which fell to Rs323.55bn from Rs408.72bn last year.
On the non-mark-up side, foreign exchange income declined 33.3%,
standing at Rs4.11bn.
However, HBL recorded a substantial increase in gain on
securities, which surged 498.9% YoY to Rs9.44bn, and other income rose 7.8
times to Rs2.38bn, boosting overall non-mark-up earnings.
The bank’s total income (mark-up and non-mark-up combined)
amounted to Rs181.31bn, an increase of 12.1% YoY.
On the expense side, operating expenses rose by 8.0% to
Rs100.33bn, while workers’ welfare fund and other charges stood at Rs1.44bn and
Rs111.36 million respectively.
After accounting for taxation of Rs40.93bn, basic and
diluted earnings per share (EPS) was of Rs23.44 in 2025, compared to Rs20.18 in
the same period last year, an increase of 16.2% YoY.
|
Consolidated Statement
of Profit and Loss Account For the six months ended June 30, 2025 (Rs.000) |
|||
|
Description |
1HFY25 |
1HFY24 |
change% |
|
Mark-up / Interest Income |
323,551,783 |
408,722,039 |
-20.8% |
|
Mark-up / Interest Expense |
185,908,763 |
(285,987,855) |
|
|
Net Mark-up Income |
137,643,020 |
122,734,184 |
12.1% |
|
Fee and Commission Income |
22,332,439 |
24,159,718 |
-7.6% |
|
Dividend Income |
1,763,963 |
1,426,218 |
23.7% |
|
Share of Profit of Associates |
3,348,493 |
2,436,752 |
37.4% |
|
Foreign Exchange Income |
4,106,402 |
6,160,515 |
-33.3% |
|
Income from Derivatives |
950,516 |
3,468,076 |
-72.6% |
|
Gain on Securities – Net |
9,442,776 |
1,576,611 |
498.9% |
|
Other Income |
2,328,746 |
298,277 |
680.7% |
|
Total non-Mark-up Income |
44,273,331 |
39,526,167 |
12.0% |
|
Total Income |
181,916,351 |
162,260,351 |
12.1% |
|
Operating Expenses |
100,382,246 |
92,973,602 |
8.0% |
|
Workers' Welfare Fund |
1,444,226 |
1,181,628 |
22.2% |
|
Other Charges |
111,955 |
158,837 |
-29.5% |
|
Total non-Mark-up Expenses |
101,938,427 |
94,314,067 |
8.1% |
|
Profit Before Credit Loss Allowance
& Taxation |
79,977,924 |
67,946,284 |
17.7% |
|
Credit Loss Allowance and Write-offs
– Net |
4,630,699 |
10,098,192 |
-54.1% |
|
Profit Before Taxation |
75,347,224 |
57,848,092 |
30.3% |
|
Taxation |
40,899,224 |
28,791,045 |
42.1% |
|
Profit After Taxation |
34,448,001 |
29,057,047 |
18.6% |
|
Basic & Diluted Earnings Per
Share |
23.44 |
20.18 |
16.2% |
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