Habib Bank (KAR:HBL) Effective Interest Rate on Debt % : 219.89% (As of Dec. 2024)

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What is Habib Bank Effective Interest Rate on Debt %?

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Habib Bank's annualized positive value of Interest Expense for the quarter that ended in Dec. 2024 was ₨509,639 Mil. Habib Bank's average total debt for the quarter that ended in Dec. 2024 was ₨231,770 Mil. Therefore, Habib Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 was 219.89%.

Habib Bank Effective Interest Rate on Debt % Historical Data

The historical data trend for Habib Bank's Effective Interest Rate on Debt % 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.

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Habib Bank Effective Interest Rate on Debt % Chart

Habib Bank Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Effective Interest Rate on Debt %

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94.45

82.71

152.89

277.02

248.34

Habib Bank Quarterly Data
	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24
Effective Interest Rate on Debt %	Get a 7-Day Free Trial															331.99	328.88	332.25	346.43	219.89

Competitive Comparison of Habib Bank's Effective Interest Rate on Debt %

For the Banks - Regional subindustry, Habib Bank's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Habib Bank's Effective Interest Rate on Debt % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Habib Bank's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Habib Bank's Effective Interest Rate on Debt % falls into.

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Habib Bank Effective Interest Rate on Debt % Calculation

Habib Bank's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Dec. 2023 )	+	Total Debt (A: Dec. 2024 ))	/ count )
=	-1 * -567569.845	/	( (163922.316	+	293163.188)	/ 2 )
=	-1 * -567569.845	/	228542.752
=	248.34 %

where

	Total Debt (A: Dec. 2023 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	163922.316	+	0
=	163922.316

	Total Debt (A: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	293163.188	+	0
=	293163.188

Habib Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Sep. 2024 )	+	Total Debt (Q: Dec. 2024 ))	/ count )
=	-1 * -509638.784	/	( (170377.144	+	293163.188)	/ 2 )
=	-1 * -509638.784	/	231770.166
=	219.89 %

where

	Total Debt (Q: Sep. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	170377.144	+	0
=	170377.144

	Total Debt (Q: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	293163.188	+	0
=	293163.188

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Dec. 2024) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

Habib Bank (KAR:HBL) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

Habib Bank Effective Interest Rate on Debt % Related Terms

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Habib Bank Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Habib Bank Ltd (KAR:HBL) » Definitions » Effective Interest Rate on Debt %

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Address

HBL Tower, Plot No. G-4, KDA Scheme 5, Block 7 Clifton, Karachi, PAK, 75650

Website

https://www.hbl.com

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.

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