Bank Alfalah posted profit after tax (PAT) of PKR 21.44 billion for the nine months ended September 30, 2025, resulting in earnings per share of PKR 13.59 (September 2024: PKR 21.32). The Board of Directors also declared a third interim cash dividend of PKR 2.50 per share (25%), cumulatively bringing the cash dividend payout for the year to PKR  7.50 per share (75%) (9M 2024: PKR 6.00 per share (60%)).

Total deposits closed at PKR 2.17 trillion. To strengthen its NII and improve the efficiency of deposit costs, Bank Alfalah shifted its strategy at the end of last year to focus on growing average deposit balances rather than period-end balances. This transition was done to build a more stable and profitable deposit base through better spreads.

The focus on optimising the cost of funds through volumetric growth in average current account balances yielded results and helped cushion the impact of the reduction in interest rates. Further, balance sheet positions taken last year supported both net interest income and opportunities to realize capital gains.

Bank’s gross financing book grew by 23.9% year on year to PKR 1.08 trillion. This was driven by the Bank’s strategic emphasis to steadily grow credit exposures through all primary business avenues, namely, Corporate Banking, Consumer Finance, Small and Medium Enterprise (SME), and Agri Finance, as interest rates are becoming more conducive for credit expansion and financial inclusion.

The Bank exercises strong capital management with a Capital Adequacy Ratio (CAR) of 17.94% as at September 30, 2025, which is well above the minimum regulatory requirement.

Bank Alfalah remains well-positioned to create sustainable long-term value for its shareholders amid an evolving macroeconomic environment. Building on its strong fundamentals, the Bank continues to pursue its strategic priorities, including expanding its domestic footprint, investing in its people and technology, and remaining committed to its responsibility as a ‘Caring Bank.’