Habib Bank Limited Reports Strong Financial Growth in 9MCY25

Karachi: Habib Bank Limited (HBL) conducted an analyst briefing to discuss its financial performance for the nine months ending in the calendar year 2025 and outline future strategies. The bank reported notable growth in profit and significant improvements across domestic subsidiaries.

HBL’s profit increased by 19% year-over-year, reaching PkR51.4 billion with an earnings per share (EPS) of PkR35.0. This is up from PkR43.3 billion (EPS: PkR30.0) during the same period last year. The bank’s core domestic profit before tax (PBT) also saw a substantial rise, climbing by 31% to PkR112 billion.

The bank’s domestic subsidiaries achieved a turnaround, posting a profit of PkR2.4 billion in 9MCY25, compared to a loss of PkR4.5 billion in the same period last year. HBL Microfinance showed a significant recovery, reporting a profit of PkR1.3 billion as opposed to a loss of PkR6.5 billion the previous year. This improvement was attributed to higher provisions recorded in 9MCY24.

Net interest income (NII) grew by 11% year-over-year, despite facing margin compression. This growth was driven by an increase in current account deposits of PkR264 billion, which enhanced the overall current and savings account (CASA) mix. The improved CASA mix helped reduce funding costs and allowed for greater allocation towards floating rate government securities maintained at healthy spreads.

The positive financial performance reflects HBL’s strategic focus on enhancing its domestic operations and optimizing its financial portfolio amid challenging economic conditions.