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KARACHI: ABHI Bank has delivered a record half-year performance, reporting a profit after tax of PKR 1.502 billion for the six months ended June 30, 2026.
The result marks a sharp increase from PKR 200.2 million in the same period last year. It also means the bank has already exceeded its full-year profit of PKR 1.019 billion recorded in 2025.
The strong performance reflects growth across the bank’s balance sheet and core operations. Higher earning assets, stronger deposit mobilisation and improved recoveries supported the rise in profitability.
The bank also maintained its focus on risk management and operational discipline during the period.
ABHI Bank’s total assets crossed the PKR 100 billion milestone during the first half of 2026. Assets reached PKR 101.55 billion by June 30.
The figure represents around 32% growth from PKR 76.80 billion at the end of December 2025.
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Gross advances also increased significantly. They reached PKR 50.07 billion compared with PKR 38.16 billion at the end of 2025.
The growth reflects an expansion in the bank’s lending portfolio during the first six months of the year.
The bank’s deposit base also expanded during the period. Deposits rose to PKR 86.19 billion from PKR 69.09 billion at the end of 2025.
That represents growth of around 25% in six months. The increase highlights continued deposit mobilisation and a strengthening customer base.
Revenue also recorded substantial growth. ABHI Bank generated PKR 10.52 billion in revenue during the first half of 2026.
That compares with PKR 5.84 billion during the same period in 2025. Revenue therefore increased by 80.1% year on year.
The first-half revenue also reached around 74% of the PKR 14.25 billion generated during the entire year of 2025.
Asset quality and credit risk management remained key priorities for the bank during the period.
The bank’s capital position also improved significantly. Shareholders’ equity reached PKR 3.11 billion by June 30, 2026.
The figure compares with a negative equity position of PKR 397 million at the end of December 2025.
The improvement came from strong profitability and the recognition of PKR 2 billion as Advance Against Issuance of Shares.
ABHI Bank also continued investing in technology, infrastructure and digital capabilities during the first half of the year.
The bank increased investment in people and control functions to support its expanding operations. Management said these investments will help strengthen the bank’s operational capacity as it grows.
The focus on digital and operational capabilities also forms part of the bank’s broader transformation strategy.
The bank’s financial statements for the six months ended June 30, 2026, received an unmodified audit opinion from independent auditors Baker Tilly Mehmood Idrees Qamar, Chartered Accountants.
The auditors stated that the financial statements present a true and fair view of the bank’s financial position and performance.
They also confirmed that the statements comply with applicable accounting and reporting standards in Pakistan. These include the Companies Act, 2017, the Microfinance Institutions Ordinance, 2001, and directives issued by the State Bank of Pakistan.
With profitability accelerating and its balance sheet crossing PKR 100 billion, ABHI Bank enters the second half of 2026 from a stronger position.
The bank now has a larger deposit base, an expanded lending portfolio and a stronger equity position. Continued investment in digital and operational capabilities is also expected to support its growth.
Having already surpassed its full-year 2025 profit in just six months, ABHI Bank will now seek to maintain the momentum through the remainder of 2026.
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