Karachi: HBL has announced a record profit before tax of Rs 148.1 billion for the year ending December 31, 2025, marking a 23% increase compared to the previous year. The profit after tax rose by 16% to Rs 66.8 billion, with earnings per share (EPS) reaching Rs 45.48, up from Rs 39.85 in 2024. The bank also declared a final cash dividend of Rs 6.00 per share for 2025.
According to Habib Bank Limited, the bank's balance sheet expanded by 27% to Rs 7.7 trillion, with total deposits hitting an unprecedented Rs 5.5 trillion, a growth of Rs 1.2 trillion since December 2024. Domestic deposits saw a 30% increase, elevating HBL's market share from 12.06% to 12.65% by the end of the year. Total advances were recorded at Rs 2.1 trillion, with the consumer portfolio reaching Rs 177 billion and agriculture financing surpassing Rs 100 billion.
Despite a 250 basis points reduction in the State Bank of Pakistan's Policy Rate, HBL's net interest income grew by 12% to Rs 276 billion, supported by a 19% expansion in the average domestic balance sheet and an improved average current account mix. Non-fund income was reported at Rs 86 billion, with significant contributions from the treasury business, while fee income, at Rs 47 billion, was bolstered by the cards business, bancassurance, and retail banking. Total revenue for the bank increased to Rs 361 billion.
Efforts to optimize costs limited administrative expense growth to 4%, improving the cost/income ratio to 55.6% for 2025. Recoveries helped manage non-performing loans, and with increased advances, the bank's infection ratio improved to 4.6%. Sustained profitability led to an enhancement in the Capital Adequacy Ratio, which rose from 17.7% in December 2024 to 18.32%.
The bank remains committed to supporting small and medium enterprises (SMEs), with the Retail Lending portfolio surpassing PKR 155 billion in 2025. HBL strengthened its SME infrastructure by establishing 17 SME Trade Centers across Pakistan. The bank also maintained its position as the largest lender to the farming community, with its agriculture lending portfolio exceeding PKR 62 billion.
HBL's digital trading platforms, including HBL Symphony and HBL Infinity, demonstrated growth, with volumes reaching PKR 3.94 trillion and USD 2.6 billion, respectively. The Cash Management business grew by 23%, with total throughput increasing to PKR 24 trillion. HBL's digital platforms now serve over 4.5 million unique customers monthly.
In 2025, HBL continued its collaboration with Sand P Global to launch the HBL Sand P Global PMI series for Pakistan. The HBL Foundation contributed Rs 889 million to various sectors, including healthcare and education. The bank also refreshed its brand to align with evolving customer expectations and renewed its title sponsorship for HBLPSL 11 and 12.
HBL received 30 accolades in 2025, including 'Best Bank in Pakistan' and 'The Most Inclusive Organization in Pakistan.'
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