Habib Bank Limited (HBL) announced consolidated profit before tax of Rs 73.1 billion and profit after tax of Rs 34.5 billion for the half-year ended June 30, 2026. Earnings per share rose to Rs 23.51, while the Bank declared an interim cash dividend of Rs 6.0 per share for Q2, in addition to the earlier payout.

HBL’s balance sheet expanded to Rs 8.0 trillion, with deposits closing at Rs 5.9 trillion. Domestic deposits reached a record Rs 5.1 trillion, driven by strong current account mobilization, improving the CA mix to 42.5%. Advances grew to Rs 2.1 trillion, supported by stellar growth in consumer financing at Rs 187 billion and agriculture financing exceeding Rs 110 billion.

Net interest income climbed to Rs 140 billion, aided by volumetric expansion and a stronger funding mix. Non-Fund Income rose to Rs 47 billion, reflecting double-digit growth in fees, commissions, and treasury gains. Total revenue reached Rs 187 billion, while administrative expenses grew modestly by 6%. Capital adequacy remained strong, with Tier I CAR at 13.7% and total CAR at 17.2%.

President & CEO Muhammad Nassir Salim credited the results to disciplined execution, technology investments, and diversified revenue streams. HBL reinforced its leadership with over 140,000 touchpoints, ≈2,000 branches, and continued rollout of its Temenos core banking upgrade. The Bank also advanced regional connectivity, acting as advisor for Pakistan’s inaugural Panda Bond, and leading landmark transactions in Islamic and project finance.

HBL strengthened digital payments with the launch of the PayPak–UnionPay Co-Badge Debit Card, while celebrating the fifth anniversary of its Beijing Branch. Recognized by Euromoney as Pakistan’s Best Bank for the eighth time in a decade, HBL continues to deliver sustainable value for clients, communities, and stakeholders.