Bank Alfalah, one of Pakistan’s major commercial banks, reported a profit after tax of Rs. 21.44 billion for the nine months ending September 30, 2025. The bank’s earnings per share stood at Rs. 13.59, showing strong financial performance.
The bank’s Board of Directors announced good news for shareholders by declaring a third interim cash dividend of Rs. 2.50 per share. This brings the total dividend payout for the year to Rs. 7.50 per share, which is higher than the Rs. 6.00 per share paid during the same period last year.
Bank Alfalah’s total deposits reached an impressive Rs. 2.17 trillion. The bank has been working hard to strengthen its net interest income, which is the difference between what the bank earns from loans and what it pays on deposits. The bank has also improved its deposit efficiency.
Rather than just focusing on how much money they have at the end of each period, Bank Alfalah concentrated on growing its average deposit balances throughout the year. This strategy helped create a more stable and profitable foundation with better profit margins.
The bank’s strategic approach included optimizing the cost of funds, meaning they worked to reduce how much they pay depositors. They also focused on growing current account balances, which are cheaper for banks to maintain. These efforts helped offset the negative effects of lower interest rates in the market.
Through proactive balance sheet management and smart positioning, Bank Alfalah successfully supported income growth and created opportunities for capital gains, demonstrating effective leadership and strategic planning.
