Bank Alfalah Limited’s Board of Directors, in its meeting held on February 13, 2026, approved the financial results for the year ended December 31, 2025, reporting a profit after tax of PKR 28.34 billion. The earnings translate into an earnings per share of PKR 17.97, compared to PKR 24.30 recorded in 2024, reflecting the impact of a shifting rate environment and strategic portfolio adjustments during the year.
The Board also declared a final cash dividend of PKR 3.00 per share, equivalent to 30 percent. This brings the cumulative cash dividend payout for 2025 to PKR 10.50 per share, or 105 percent for the full year. In addition to shareholder returns, the Board recommended a 2-for-1 stock split aimed at enhancing share liquidity and improving accessibility for investors. Upon approval, shareholders will receive two shares for every one share held, effectively increasing the number of outstanding shares while proportionally adjusting the price.
On the balance sheet side, total deposits closed at PKR 2.49 trillion, registering a year-on-year growth of 16.8 percent. The expansion aligns with the bank’s revised strategy prioritizing growth in average deposit balances to establish a stable and sticky funding base over the long term. Despite operating in a lower interest rate environment, Bank Alfalah recorded a 7.1 percent increase in net interest income, supported by disciplined balance sheet management and funding optimization.
Gross advances stood at PKR 1.15 trillion as of December 31, 2025. With profit rates trending downward, the bank recalibrated its portfolio mix to build a more diversified credit book. Notable growth was observed in Consumer, SME, and Agri segments, reflecting a targeted push to broaden earning assets while managing concentration risk. The institution intends to continue strengthening these segments, largely funded through its expanding low-cost deposit base.
Capital management indicators remained robust, with the bank reporting a Capital Adequacy Ratio of 15.87 percent at year-end, comfortably above the minimum regulatory requirement. The strong capital position provides a buffer for business expansion while maintaining regulatory compliance and solvency discipline.
Beyond financial metrics, the bank reaffirmed its social responsibility commitments. Chairman His Excellency Sheikh Nahayan Mabarak Al Nahayan, together with the Board, approved an additional USD 5 million, equivalent to approximately PKR 1.4 billion, to support rehabilitation and rebuilding efforts for communities affected by the 2025 floods. This contribution brings the bank’s total support for flood-impacted communities since 2022 to USD 15 million, or approximately PKR 4.2 billion.
Since 2022, the institution has also deployed over USD 3.0 million through sustainable corporate social responsibility and Islamic charity initiatives aimed at strengthening Pakistan’s social, economic, and environmental capital. Of this amount, USD 1.6 million was allocated in 2025 alone to support community development and resilience programs nationwide.
In parallel with its financial and social initiatives, Bank Alfalah reinforced its position in digital innovation and customer engagement. During 2025, it once again secured top recognition at the Pakistan Banking Awards, earning Best Bank for Digital Excellence for the fourth consecutive year and achieving its seventh win as Best Bank for Customer Engagement.
Looking ahead, Bank Alfalah remains focused on enhancing franchise value and delivering sustainable shareholder returns. The strategy centers on expanding Consumer and SME lending, supported by a stable low-cost deposit base, while accelerating digital transformation, process re-engineering, and innovation-driven customer experience enhancements across its nationwide network.
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