Bank Alfalah announced its Annual Results for the year ended December 31, 2025. The Board of Directors approved the Bank’s financial results at their meeting held on February 13, 2026.
The Bank reported a profit after tax (PAT) of PKR 28.34 billion for the year ending December 31, 2025. This translates to an earning per share of PKR 17.97, up from PKR 24.30 in 2024. The Board also declared a final cash dividend of PKR 3.00 per share (cumulatively bringing the total to PKR 10.50), resulting in a 30% increase over previous years.
Bank Alfalah announced a significant move to enhance share liquidity and accessibility for investors by recommending a two-for-one stock split, which will result in shareholders receiving two shares for every one share held currently.
Total deposits closed at PKR 2.49 trillion, representing a year-on-year growth of 16.8%. This aligns with Bank Alfalah’s revised strategy that prioritizes the growth of average deposit balances to build a sticky deposit base over the long term. As a result, the net interest income grew by 7.1% despite a lower interest rate environment.
Bank Alfalah aims to continue its strategy, focusing on adding value to customers and encouraging them to bring more volumes and balances to the Bank. Gross advances stood at PKR 1.15 trillion. The Bank optimized its portfolio mix, witnessing impressive growth in its Consumer, SME, and Agri segments during the year.
Bank Alfalah maintains a strong capital management and solvency discipline with a Capital Adequacy Ratio (CAR) of 15.87% as at December 31, 2025, well above the minimum regulatory requirement. The Bank’s Chairman, His Excellency Sheikh Nahayan Mabarak Al Nahayan, along with the Board of Directors, approved an additional USD 5 million (PKR 1.4 billion) to support the rehabilitation and rebuilding of communities affected by the 2025 floods.
Since 2022, Bank Alfalah has contributed USD 15 million towards flood-impacted communities through its sustainable CSR and Islamic charity initiatives. This includes investments of more than USD 3.0 million (PKR 870 million) in community development and long-term resilience across the country.
In 2025, Bank Alfalah reinforced its leadership in digital innovation and customer experience, earning top honors at the Pakistan Banking Awards. The Bank was recognized as Best Bank for Digital Excellence for the fourth year running and celebrated its seventh win as Best Bank for Customer Engagement.
Bank Alfalah remains committed to strengthening its franchise value and delivering sustainable returns for shareholders by expanding consumer and SME lending mainly funded through low-cost deposit bases. At the same time, the Bank is accelerating digital transformation, re-engineering processes, and fostering a culture of innovation to further enrich customer experience.