Karachi: The Board of Directors of Bank Alfalah Limited (BAFL), in its meeting held on February 13, 2026, approved the Bank’s financial results for the year ended December 31, 2025.
Bank Alfalah reported a profit after tax of PKR 28.34 billion for the year ended December 31, 2025. This translated into earnings per share of PKR 17.97, compared to PKR 24.30 in 2024. The Board of Directors declared a final cash dividend of PKR 3.00 per share. This brought the total cash dividend payout for the year to PKR 10.50 per share.
The Board of Directors recommended a two for one stock split to improve share liquidity and investor accessibility. Shareholders will receive two shares for every one share held.
Total deposits closed at PKR 2.49 trillion depicting a year on year growth of 16.8%. This aligns with the Bank’s revised strategy, which prioritizes growing average deposit balances. The Bank aims to build a stable deposit base over the long term. As a result, Bank Alfalah’s net interest income grew by 7.1% despite a lower interest rate environment. The bank intends to continue with this strategy, focusing on adding value to customers, encouraging them to bring more volumes and balances to the Bank.
Gross Advances of the Bank stood at PKR 1.15 trillion. Amid declining profit rates, the Bank focused on building a diversified credit book. It optimised its portfolio mix during the year. It achieved strong growth in the consumer, SME, and Agri segments.
The Bank maintains strong capital management and solvency discipline. Its Capital Adequacy Ratio (CAR) stood at 15.87% on December 31, 2025, well above the regulatory minimum.
Reaffirming its commitment as a Caring Bank in 2025, Sheikh Nahayan Mabarak Al Nahayan and the Board of Directors approved an additional USD 5 million (PKR 1.4 billion) for flood relief. This brings the Bank’s total contribution to affected communities since 2022 to USD 15 million (approximately PKR 4.2 billion).
Since 2022, the Bank has invested over USD 3.0 million (PKR 870 million) in sustainable CSR and Islamic charity initiatives. In 2025 alone, it allocated USD 1.6 million (PKR 470 million) to promote community development and long-term resilience across Pakistan.
In 2025, Bank Alfalah reinforced its leadership in digital innovation and customer experience, winning top honors at the Pakistan Banking Awards. The Bank earned Best Bank for Digital Excellence for the fourth consecutive year and Best Bank for Customer Engagement for the seventh time.
Bank Alfalah remains focused towards strengthening its franchise value and deliver sustainable returns for its shareholders. This will be achieved through expanding Consumer and SME lending mainly funded through low cost deposit base. The Bank is accelerating digital transformation, re-engineering processes, and fostering a culture of innovation. These efforts aim to further enhance the customer experience.
