HBL profit edges up in March 2025 quarter

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MG News | April 25, 2025 at 04:25 PM GMT+05:00

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April 25, 2025 (MLN): Habib Bank Limited (PSX: HBL) has reported a consolidated profit after tax of Rs16.63 billion for the quarter ended March 31, 2025, reflecting an increase of 10.52% compared to Rs15.04bn in the same period last year (SPLY).

The bank has declared an interim cash dividend of Rs4.50 per share (45%).

The earnings per share (EPS) for the quarter stood at Rs11.32, compared to Rs10.37 in SPLY.

HBL total income for the quarter stood at Rs90.36bn, marking an 11.05% increase from Rs81.37bn in the corresponding period last year.

Net mark-up/return/profit/interest income grew by 12.33% to Rs68.75bn, supported by a 36.17% reduction in interest expense, even as mark-up earned declined by 21.25%.

Non-markup income rose by 7.18% to Rs21.61bn, aided by gains on securities and improved dividend and associate income, despite a drop in foreign exchange and derivative income.

Operating expenses increased by 7.28% to Rs50.27bn, while total non-markup expenses, including Workers’ Welfare Fund and other charges, grew by 7.09% to Rs50.98bn.

Credit loss allowances and write-offs declined by 24.83% to Rs2.74bn.

Despite these movements, HBL’s profit before taxation registered a solid growth of 21.67% to Rs36.64bn, while taxation expenses surged by 32.80% to Rs20.01bn during the quarter.

Consolidated Profit and Loss for the Three Month Ended March 31, 2025 (Rupees in '000)
Category Mar-25 Mar-24 %Change
Mark-up / Return / Profit / Interest Earned 156,694,988 198,980,966 -21.25%
Mark-up / Return / Profit / Interest Expensed 87,944,416 137,777,272 -36.17%
Net Mark-up / Return / Profit / Interest Income 68,750,572 61,203,694 12.33%
Non Mark-up / Interest Income      
Fee and Commission Income 11,588,386 11,891,918 -2.55%
Dividend Income 1,384,434 1,007,077 37.47%
Share of Profit of Associates 1,349,255 896,406 50.52%
Foreign Exchange Income 2,175,065 4,087,696 -46.79%
Income from Derivatives 780,774 2,417,841 -67.71%
Gain / (Loss) on Securities - Net 4,167,710 (283,097)  
Other Income 168,362 148,885 13.08%
Total Non Mark-up / Interest Income 21,613,986 20,166,726 7.18%
Total Income 90,364,558 81,370,420 11.05%
Non Mark-up / Interest Expenses      
Operating Expenses 50,272,809 46,861,270 7.28%
Workers' Welfare Fund 697,415 588,286 18.55%
Other Charges 11,291 158,496 -92.88%
Total Non Mark-up / Interest Expenses 50,981,515 47,608,052 7.09%
Profit Before Credit Loss Allowance and Taxation 39,383,043 33,762,368 16.65%
Credit Loss Allowance and Write Offs - Net 2,743,194 3,649,085 -24.83%
Profit Before Taxation 36,639,849 30,113,283 21.67%
Taxation 20,013,088 15,069,700 32.80%
Profit After Taxation 16,626,761 15,043,583 10.52%
Attributable To:      
Equity Holders of the Bank 16,605,085 15,217,216 9.12%
Non-Controlling Interest 21,676 (173,633) -
Profit After Taxation 16,626,761 15,043,583 10.52%
Basic and Diluted Earnings Per Share (Rs.) 11.32 10.37 9.16%

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