External broker reports(aggregated public sources), Topline Securities

Topline Securities

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External broker reports(aggregated public sources)

Equity Bottom-Up

<ul><li>Habib Bank (HBL) conducted its Corporate Briefing Session today where management discussed financial performance and outlook.</li><li>HBL’s total deposits have increased by 16% in 9M2025 to reach Rs5.1trn. Similarly Current Accounts (CA) grew by Rs371bn in 9M2025 to Rs1.94tr in Sep-25, up by 24%. This takes domestic CA mix from 37.3% in Dec-2024 to 40.4% in Sep-2025.</li><li>In 9M2025, Net Interest Income (NII) up by 11% YoY due to growth in current account, building up floaters with healthy spread and reduction in cost of deposit.</li></ul>

Habib Bank (HBL) conducted its Corporate Briefing Session today where management discussed financial performance and outlook.HBL’s total deposits have increased by 16% in 9M2025 to reach Rs5.1trn. Similarly Current Accounts (CA) grew by Rs371bn in 9M2025 to Rs1.94tr in Sep-25, up by 24%. This takes domestic CA mix from 37.3% in Dec-2024 to 40.4% in Sep-2025.In 9M2025, Net Interest Income (NII) up by 11% YoY due to growth in current account, building up floaters with healthy spread and reduction in cost of deposit.

Topline Flash Note: Habib Bank (HBL): Corporate Briefing Key Takeaways

Habib Bank Ltd

Topline Flash Note: Habib Bank (HBL): Corporate Briefing Key Takeaways