HBL 1HFY25 profit Rs34.4bn, Rs4.50/share dividend declared

MG News | July 31, 2025 at 02:12 PM GMT+05:00

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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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