Habib Bank (KAR:HBL) Net Loan: ₨1,914,152 Mil (As of Jun. 2026)

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KAR:HBL Habib Bank Ltd KAR:HBL
55 GF Score
Price ₨316.72
GF Value ₨175.71
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Habib Bank Net Loan?

Habib Bank KAR:HBL -2.68% 55 Net Loan is ₨1,914,152 Mil as of Jun. 2026. GuruFocus rates KAR:HBL with a GF Score™ of 55/100 and a GF Value™ of ₨175.71 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Habib Bank's quarterly net loan declined from Dec. 2025 (₨1,896,985 Mil) to Mar. 2026 (₨1,807,638 Mil) but then increased from Mar. 2026 (₨1,807,638 Mil) to Jun. 2026 (₨1,914,152 Mil).

Habib Bank's annual net loan increased from Dec. 2023 (₨1,708,939 Mil) to Dec. 2024 (₨1,807,638 Mil) but then declined from Dec. 2024 (₨1,807,638 Mil) to Dec. 2025 (₨1,914,152 Mil).

Habib Bank Net Loan Historical Data

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The historical data trend for Habib Bank's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Habib Bank Net Loan Chart

Habib Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,367,825.86 1,658,723.48 1,708,938.89 2,252,669.85 1,896,984.80

Habib Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1,804,076.83 1,767,341.35 1,896,984.80 1,807,638.09 1,914,152.02
KAR:HBL
55GF Score
Habib Bank Ltd KAR:HBL
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Habib Bank Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of ₨1,914,152 Mil mean?
Habib Bank (KAR:HBL) has a Net Loan of ₨1,914,152 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Habib Bank and its competitors.
Is Habib Bank's Net Loan too high?
Habib Bank's current Net Loan is ₨1,914,152 Mil. Overall, Habib Bank has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Habib Bank's Net Loan compare to competitors?
Habib Bank's Net Loan of ₨1,914,152 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Habib Bank and its competitors. Habib Bank's current Net Loan is ₨1,914,152 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Habib Bank stock overvalued right now?
Based on GuruFocus' analysis, Habib Bank (KAR:HBL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨175.71, compared to a current price of ₨316.72 — trading 80.3% above its estimated fair value. The current Net Loan is ₨1,914,152 Mil. Habib Bank's overall GF Score™ is 55/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Habib Bank (KAR:HBL), the current Net Loan is ₨1,914,152 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Habib Bank (KAR:HBL) Overvalued in 2026?

Based on GuruFocus' analysis, Habib Bank stock appears to be overvalued. The current stock price of ₨316.72 is trading 80.3% above its estimated GF Value™ of ₨175.71. GuruFocus considers Habib Bank to be Significantly Overvalued.

Key valuation signals for KAR:HBL:

  • Net Loan: ₨1,914,152 Mil
  • GF Value™: ₨175.71 vs. price of ₨316.72 (80.3% above fair value)
  • GF Score™: 55/100 with 6 warning signs

No single metric tells the full story. See the KAR:HBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Habib Bank Business Description

Address HBL Tower, Plot No. G-4, KDA Scheme 5, Block 7 Clifton, Karachi, PAK, 75650
Habib Bank Ltd is engaged in commercial banking related services in Pakistan and overseas. The operating business segments are Retail banking; Consumer, SME and agriculture lending; Corporate, commercial and investment banking; International; Financial Institutions; Treasury; Branchless Banking; Asset Management, Microfinance; and Head Office / Others. The company operates in Pakistan, the Middle East & Africa, Asia, and Europe. The Retail banking segment derives the maximum revenue for the company.
55GF Score

Get the complete analysis for KAR:HBL

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₨316.72
Price
₨175.71
GF Value