Karachi: Bank Al-Habib Limited (BAHL) held its Corporate Briefing Session 2025 on November 18, revealing a complex financial landscape characterized by fluctuating growth rates and shifting market shares. The detailed financial disclosures reflect both challenges and opportunities within Pakistan's banking sector.

BAHL's trade sector experienced a minor move with a growth rate of 5.42% as of September 2025, in contrast to Pakistan's overall trade growth of 8.35%. This resulted in a BAHL market share of 11.44%. Meanwhile, the remittance sector saw a very large increase with BAHL's growth at an impressive 58.00%, significantly outpacing the country's 33.00% growth, boosting BAHL's market share to 9.50%.

According to information available from the Pakistan Stock Exchange (PSX), BAHL's deposits saw a big move with a decline of 15.95%, whereas advances showed a minor move with a growth of 0.72%. This reflects a dynamic shift in the bank's financial strategy and market conditions.

The balance sheet as of September 2025 showed total liabilities at 3,116.92 million, reflecting a moderate move with a decrease of 1.61% from December 2024. Borrowings increased significantly by 122.84%, while deposits showed a very large increase of 19.19%, amounting to 2,278.96 million. Subordinated loans remained relatively stable with a negligible change of 0.01%, and other liabilities decreased by 5.95%.

Equity, excluding surplus, showed a moderate move with an increase of 8.15%, reaching 141.01 million, while equity including surplus rose by a big move of 9.34% to 166.18 million. The bank's profit after tax decreased significantly by 29.08% to 260.40 million, reflecting the broader economic challenges faced by the institution.

Over a six-year period, BAHL's total customer deposits have increased from 903.70 million in 2019 to 2,278.96 million in 2024, indicating robust growth in deposits despite recent fluctuations. The profit before tax in 2024 was recorded at 83.84 million, and the profit after tax was 39.86 million, showcasing consistent profitability albeit with some volatility over the years.

This financial performance highlights the bank's resilience and strategic adjustments in navigating the evolving market dynamics, positioning BAHL as a significant player in Pakistan's financial sector.