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 profit after tax (PAT) of PKR 28.34 billion for the year ended December 31, 2025, translating into earning per share of PKR 17.97 compared to PKR 24.30 for 2024. The Board of Directors also declared final cash dividend of PKR 3.00 per share (30%), cumulatively bringing the cash dividend payout for the year to PKR 10.50 per share (105%).
In a significant move to enhance share liquidity and accessibility for investors, the Board of Directors has recommended a sub-division of the Bank’s shares with 2-for-1 stock split that will result in shareholders receiving 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 is in line with Bank’s revised strategy, whereby growth of average deposit balances was prioritized with an aim to build a sticky deposit base over a long term horizon. As a result, Bank Alfalah’s net interest income grew by 7.1% despite a lower interest rate environment. 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. Considering the declining trend in profit rates and its strategy to build a diversified credit book, the Bank optimised its portfolio mix during the year where impressive growth was witnessed in its Consumer, SME and Agri segments.
The Bank maintains a strong capital management and solvency discipline with a Capital Adequacy Ratio (CAR) of 15.87% as at December 31, 2025, which is well above the minimum regulatory requirement.
Reaffirming its commitment as a Caring Bank in 2025, the Chairman of Bank Alfalah, His Excellency Sheikh Nahayan Mabarak Al Nahayan, together 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, bringing the Bank’s total contribution towards flood-impacted communities since 2022 to USD 15 million (approximately PKR 4.2 billion).
Since 2022, the Bank has also invested more than USD 3.0 million (PKR 870 million) through its sustainable CSR and Islamic charity initiatives to strengthen Pakistan’s social, economic, and environmental capital, including USD 1.6 million (PKR 470 million) allocated in 2025 alone to advance community development and long-term resilience across the country.
In 2025, Bank Alfalah reinforced its leadership in digital innovation and customer experience, once again 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 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. At the same time, the Bank is accelerating digital transformation, re-engineering processes, and fostering a culture of innovation to further enrich customer experience.
