HBL profit before tax reached a record Rs 112.2 billion for the first nine months of 2025, marking a 31% increase compared to the same period last year. Despite higher taxes affecting the banking sector, profit after tax rose 19% to Rs 51.4 billion. Earnings per share improved to Rs 34.97 from Rs 30.03 in 2024. Alongside the results, the bank announced an interim dividend of Rs 5.0 per share for the quarter.
HBL’s balance sheet grew 20% since the start of the year, reaching Rs 7.2 trillion. Total deposits climbed to Rs 5.1 trillion, with domestic deposits up 18% to Rs 4.3 trillion. The current account mix stayed strong at above 40%, while the CASA ratio stood at 87%. The bank’s consumer business crossed Rs 163 billion in lending, maintaining total loans close to Rs 2 trillion.
Net interest income rose 11% to Rs 207 billion, supported by a better current account mix that lowered deposit costs. Non-fund income increased to Rs 68 billion due to exceptional treasury performance and growth in fee-based services. As a result, total revenue surged to Rs 275 billion.
Cost optimization measures kept expense growth at 8%, improving the cost-to-income ratio to 55.5%. Non-performing loans decreased, bringing the infection ratio down to 4.9%, with total coverage exceeding 100%. The Tier 1 Capital Adequacy Ratio stood at 14.39%, while the total CAR reached 18.32%, both above regulatory requirements.
Muhammad Nassir Salim, President & CEO of HBL, said the bank’s performance reflects its commitment to supporting clients and Pakistan’s economic development. HBL continued expanding SME financing, digital banking, and agricultural initiatives across the country, particularly in Balochistan and Sindh.
The bank also advanced digital transformation efforts through partnerships with Mastercard and P@SHA, while HBL Foundation contributed Rs 138.4 million to social initiatives. Recognized for its achievements, HBL received 27 awards in 2025, including “Best Bank in Pakistan” by Euromoney.
The strong HBL profit before tax results underscore the bank’s financial strength and continued focus on sustainable growth.
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