Karachi, February 11, 2026 – Bank Al Habib Limited on Wednesday reported a sharp 23% decline in its after-tax profit for the calendar year ended December 31, 2025, reflecting pressure from lower net interest income and rising operating costs.
According to the unconsolidated financial results submitted to the Pakistan Stock Exchange (PSX), the bank posted a profit after tax of Rs30.64 billion for CY25, down from Rs39.86 billion in the preceding year. As a result, earnings per share (EPS) fell to Rs27.57, compared with Rs35.87 in calendar year 2024.
The board of directors, in a meeting held on February 11, 2026, in Karachi, recommended a final cash dividend of Rs4.50 per share for the year ended December 31, 2025. This is in addition to the interim cash dividend of Rs10.50 per share already paid, taking the total cash payout for the year to Rs15.00 per share.
The bank’s net interest income declined to Rs130.62 billion in CY25 from Rs156.25 billion a year earlier, mainly due to margin compression and changes in the interest rate environment. However, non-interest income increased to Rs28.44 billion from Rs25.48 billion, providing partial support to overall revenues.
Despite the rise in non-interest income, total income fell to Rs159.07 billion compared with Rs181.73 billion in the previous year. Meanwhile, operating expenses surged to Rs94.50 billion from Rs80.98 billion, further weighing on profitability.
During the year, Bank Al Habib paid income tax amounting to Rs34.88 billion, down from Rs43.98 billion in the preceding year. The results highlight the challenges faced by the banking sector amid a volatile macroeconomic and interest rate environment.