KARACHI: Habib Bank Limited (HBL) reported a consolidated profit of Rs15.4 billion for the fourth quarter ended December 2025, translating into earnings per share of Rs10.5, up 7.0 per cent from a year earlier.
However, quarterly earnings fell 9.0 per cent compared to the previous quarter, coming in below market expectations due to weaker fee-based income and a higher tax burden, said a report of Topline Securities.
For the full year 2025, the bank’s profit rose to Rs66.7 billion, with earnings per share of Rs45.5, marking a 14 per cent increase over 2024.HBL also announced a quarterly dividend of Rs6 per share, taking the total payout for 2025 to Rs20 per share.
Income from core lending activities remained strong. Net interest income grew 13 per cent year-on-year (YoY) to Rs68 billion in the final quarter, supported by higher business volumes, though it dipped slightly from the previous quarter.
Other income dropped sharply, falling 50 per cent from a year ago, mainly due to a capital loss of Rs425 million on securities compared with sizeable gains in earlier periods.Deposits showed solid growth, rising 27 per cent year-on-year to reach Rs5.5 trillion, reflecting continued customer confidence.
Operating efficiency remained largely stable, with the cost-to-income ratio standing at 56.8 per cent during the quarter. Expenses declined on both yearly and quarterly bases, helping contain overall costs.The bank set aside Rs1.3 billion for potential loan losses, significantly lower than last year. Total provisions for 2025 fell 66 per cent to Rs9.1 billion, indicating improved asset quality.
