Habib Bank Limited (HBL) has reported a profit after taxation of Rs54.11 billion for the nine months ended September 30, 2026, compared with Rs51.38 billion in the corresponding period last year, reflecting an increase of approximately 5.3%.
According to the bank’s financial results announced on October 22, 2026, earnings per share stood at Rs36.84, compared with Rs34.97 in the same period of 2025.
HBL Announces Rs6 Per Share Interim Dividend
HBL’s Board of Directors has recommended an interim cash dividend of Rs6 per share, equivalent to 60% of the face value, for the third quarter ended September 30, 2026. This dividend is in addition to the Rs12 per share, or 120%, already paid during the year.
The bank has not announced any bonus shares or right shares alongside the latest dividend recommendation.
Growth in Total Income
HBL’s consolidated total income increased to Rs283.10 billion during the first nine months of 2026, up from Rs274.86 billion in the corresponding period last year.
Mark-up, return, profit and interest income rose to Rs581.56 billion from Rs503.40 billion. However, mark-up and interest expenses also increased to Rs371.13 billion from Rs296.08 billion, bringing net mark-up income to Rs210.43 billion, compared with Rs207.33 billion a year earlier.
Non-mark-up income reached Rs72.67 billion, compared with Rs67.53 billion in the same period of 2025. The increase was supported by income from fees and commissions, dividends, foreign exchange and other sources.
Quarterly Earnings Show Improvement
For the third quarter of 2026, HBL posted consolidated profit after taxation of Rs19.58 billion, compared with Rs16.93 billion in the corresponding quarter of 2025.
Quarterly earnings per share increased to Rs13.33 from Rs11.53, indicating an improvement in the bank’s earnings performance during the period.
Total quarterly income reached Rs96.19 billion, compared with Rs92.95 billion in the same quarter last year.
Balance Sheet Expands
HBL’s consolidated total assets increased to approximately Rs8.93 trillion as of September 30, 2026, compared with Rs7.71 trillion at the end of December 2025.
Deposits and other accounts rose to Rs5.89 trillion from Rs5.55 trillion at the end of 2025. Investments also increased to approximately Rs5.43 trillion from Rs4.19 trillion, while advances stood at Rs2.16 trillion.
These figures highlight the expansion of the bank’s balance sheet during the first nine months of the year.
Shareholder Entitlement and Book Closure
According to the announcement, shareholders whose names appear in the bank’s register of members on November 2, 2026, will be eligible for the announced dividend entitlement.
The bank’s share transfer books will remain closed from November 3 to November 4, 2026, inclusive. The quarterly financial statements will be transmitted separately through the Pakistan Stock Exchange’s regulatory disclosure system.
Outlook
HBL’s latest financial results show higher nine-month earnings, improved third-quarter profitability and growth in total assets and deposits. The additional cash dividend also provides a further distribution to eligible shareholders.
Investors will continue to monitor the bank’s income growth, funding costs, asset quality and future dividend announcements to assess its financial performance in the coming quarters.
