The bank is focused on expanding Consumer and SME lending funded through low cost deposits while accelerating digital transformation and re-engineering processes to enrich customer experience. Bank Alfalah maintains strong capital management with a Capital Adequacy Ratio of 15.87% as of December 31, 2025, well above regulatory requirements.
Cyborg Score Rationale
The bank reported profit after tax of Rs28.34 billion for 2025 with earnings per share of Rs 17.97, compared to Rs 24.30 for 2024. Strong capital ratios, award-winning digital operations, and consistent profitability provide solid fundamentals, though earnings per share declined year-over-year.
Top Insights
Net interest income grew by 7.1% despite a lower interest rate environment
Gross advances stood at PKR 1.15 trillion with impressive growth witnessed in Consumer, SME and Agri segments as the bank optimized its portfolio mix
The bank approved an additional USD 5 million to support rehabilitation of communities affected by 2025 floods, demonstrating significant social commitment
As of February 5, 2026, the company has 16,560 employees
Named Competitors
Habib Bank Limited — Major Pakistani commercial bank competing in retail and corporate segments
United Bank Limited — Large Pakistani bank with significant retail and SME presence
MCB Bank Limited — Leading Pakistani bank with strong digital and retail operations
Recent Developments
(February 2026) Announced 2025 full-year profit after tax of Rs28.34 billion and approved 2-for-1 stock split
(February 2026) Approved additional USD 5 million in flood relief funding for affected communities
(2025) Earned Best Bank for Digital Excellence award for the fourth consecutive year and seventh Best Bank for Customer Engagement award
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