AsiaNet-Pakistan Premier Editorial Content and Press Release Distribution Service
Islamabad: The Board of Directors of Bank Alfalah Limited approved the bank’s financial results for the half year ending June 30, 2025, announcing a profit after tax of PKR 15.27 billion. This equates to an earnings per share of PKR 9.68, a decrease from the previous year’s PKR 13.06.
The board declared a second interim cash dividend of PKR 2.50 per share, bringing the total cash dividend for the year to PKR 5.00 per share. This marks an increase from the PKR 4.00 per share reported in the first half of 2024.
The bank offset the impact of interest rate cuts through growth in current accounts and strategic balance sheet positions, which supported net interest income and offered opportunities for capital gains. Despite pressures from product pricing and remittances, these factors are expected to stabilize in the latter half of the year.
Total deposits reached PKR 2.29 trillion as the bank shifted its strategy to focus on mobilizing current account balances and stable deposits, resulting in a more favorable cost of deposits.
The loan book expanded by 34.5% year-on-year, closing at PKR 1,057.72 billion. This growth was driven by a strategic focus on low-risk corporate lending and an increase in consumer finance. The bank plans to continue prioritizing agricultural and SME segments to enhance financial inclusion.
Bank Alfalah maintains a strong capital management position with a Capital Adequacy Ratio of 17.67%, surpassing the minimum regulatory requirements.
The bank is positioned to deliver long-term shareholder value amid macroeconomic challenges by adhering to strategic objectives, expanding its domestic presence, investing in technology and personnel, and committing to sustainable banking practices.