AsiaNet-Pakistan Premier Editorial Content and Press Release Distribution Service
Karachi: Bank Alfalah reported a profit after tax (PAT) of PKR 21.44 billion for the nine-month period ending September 30, 2025. This translates to earnings per share of PKR 13.59, compared to PKR 21.32 in the same period last year. The bank’s Board of Directors declared a third interim cash dividend of PKR 2.50 per share, bringing the total cash dividend for the year to PKR 7.50 per share.
Total deposits for the bank closed at PKR 2.17 trillion. In a strategic shift initiated at the end of the previous year, Bank Alfalah focused on increasing average deposit balances, rather than concentrating on period-end balances. This move aimed to create a more stable and profitable deposit base.
The bank’s emphasis on volumetric growth in average current account balances aided in mitigating the impact of reduced interest rates. Furthermore, balance sheet strategies from the previous year supported net interest income and offered opportunities for capital gains.
Bank Alfalah’s gross financing book expanded by 23.9% year-on-year to PKR 1.08 trillion. This growth was in line with the bank’s strategy to increase credit exposures across various sectors, including Corporate Banking, Consumer Finance, Small and Medium Enterprise (SME), and Agri Finance.
The bank maintains strong capital management, with a Capital Adequacy Ratio (CAR) of 17.94% as of September 30, 2025, exceeding the minimum regulatory requirement.
Amid a changing macroeconomic landscape, Bank Alfalah continues to focus on long-term value creation for shareholders. Its strategic priorities include domestic expansion, investment in technology, and upholding its commitment as a ‘Caring Bank.’