Stock BAFL BANK ALFALAH LIMITED
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Company Bank Alfalah Limited

Equities

BAFL

PK0078701015

Banks

End-of-day quote Pakistan S.E.
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
59.04 PKR +0.79% Intraday chart for Bank Alfalah Limited +5.20% +21.71%
Apr. 16 Bank Alfalah to Acquire Samba Bank CI
Feb. 01 Bank Alfalah Limited Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Business Summary

Bank Alfalah Limited (the Bank) is a banking company. It operates through seven segments: Retail, Corporate, Islamic, Treasury, Digital, Overseas, and Others. Its Retail segment includes loans, deposits, trade, wealth management and other banking transactions. Its Corporate segment comprises of loans, deposits, project financing, investment banking and other banking activities. Its Islamic segment pertains to full scale Islamic Banking operations of the Bank. Its Treasury segment includes liquidity management activities carried out through borrowing, lending, money market, capital market, FX, and merchant banking operations. Its Digital segment includes branchless banking accounts, deposits and lending products, digital channels, corporate, G2P & SMME portfolio, digital payments, and digital products. Its Overseas segment comprises of business activities related to Bank’s overseas operations. It has a network of approximately 942 branches and 15 sub-branches in the country.

Number of employees: 14,738

Sales per Business

PKR in Million2022Weight2023Weight Delta
Retail
55.2 %
48,375 48.4 % 86,083 55.2 % +77.95%
Islamic
18.0 %
15,351 15.4 % 28,131 18.0 % +83.25%
Corporate Banking
14.6 %
12,180 12.2 % 22,736 14.6 % +86.67%
Elimination
-6.1 %
- - -9,567 -6.1 % -
Treasury
6.0 %
16,136 16.1 % 9,308 6.0 % -42.32%
Overseas
5.8 %
5,749 5.8 % 8,975 5.8 % +56.11%
Digital
5.4 %
1,335 1.3 % 8,452 5.4 % +533.32%
Others
0.9 %
529 0.5 % 1,392 0.9 % +163.23%
Brokerage
0.3 %
323 0.3 % 529 0.3 % +64.03%

Sales per region

PKR in Million2022Weight2023Weight Delta
Pakistan
94.3 %
94,228 94.2 % 147,129 94.3 % +56.14%
Middle East
2.9 %
2,741 2.7 % 4,467 2.9 % +63.00%
Bangladesh
2.3 %
2,577 2.6 % 3,537 2.3 % +37.25%
Afghanistan
0.6 %
432 0.4 % 971 0.6 % +124.93%
Elimination
0.0 %
-- -65 0.0 % -

Managers

Managers TitleAgeSince
Atif Aslam Bajwa CEO
 Chief Executive Officer - 11-10-24
Anjum Hai DFI
 Director of Finance/CFO - 17-10-31
Khawaja Muhammad Ahmad COO
 Chief Operating Officer - 15-03-31
Mohib Hasan Khan CTO
 Chief Tech/Sci/R&D Officer - 15-12-31
Haroon Khalid CMP
 Compliance Officer - 07-04-30
Hasnain Athar IRC
 Investor Relations Contact - -
Pervez Shahbaz Khan TRE
 Treasurer - -
Muhammad Akram Sawleh LAW
 General Counsel - 18-07-31
Faisal Rabbani PRN
 Corporate Officer/Principal - 18-10-31
Tahir Khurshid AUD
 Comptroller/Controller/Auditor - 02-07-31

Members of the board

Members of the board TitleAgeSince
Abdullah Nasser bin Huwaileel Al-Mansoori BRD
 Director/Board Member 74 97-07-06
Nehayan Al-Nahayan CHM
 Chairman - 17-01-14
Khalid Al-Otaiba BRD
 Director/Board Member - 03-03-07
Gyorgy Tamas Ladics BRD
 Director/Board Member - 18-05-26
Mufti Khalil Ahmad Aazami SHA
 Shariah Board Member - 02-12-31
Muhammad Mohib ul-Haq Siddiqui SHA
 Shariah Board Member - 15-09-30
Khalid Qurashi BRD
 Director/Board Member - 20-05-13
Ayesha Khan BRD
 Director/Board Member - 18-05-26
Mufti Ovais Ahmed SHA
 Shariah Board Member - 14-12-31
Mufti Aqeel Akhtar SHA
 Shariah Board Member - 21-06-30

Share class

VoteQuantityFree-FloatCompany-owned sharesTotal Float
Stock A 1 1,577,165,119 1,190,917,382 ( 75.51 %) 0 75.51 %

Shareholders

NameEquities%Valuation
Nehayan Al-Nahayan
19.05 %
338,483,156 19.05 % 64 M ₨
NBP Fund Management Ltd.
0.9212 %
16,371,800 0.9212 % 3 M ₨
MCB-Arif Habib Savings & Investments Ltd. (Invt Mgmt)
0.5229 %
9,291,943 0.5229 % 2 M ₨
Atlas Asset Management Ltd.
0.4592 %
8,160,526 0.4592 % 2 M ₨
UBL Fund Managers Ltd.
0.3426 %
6,089,329 0.3426 % 1 M ₨
National Investment Trust Ltd.
0.2818 %
5,007,519 0.2818 % 943 316 ₨
Tundra Fonder AB
0.2421 %
4,301,900 0.2421 % 810 392 ₨
JS Investments Ltd. (Investment Management)
0.1666 %
2,960,507 0.1666 % 557 700 ₨
ABL Asset Management Co., Ltd.
0.1574 %
2,796,593 0.1574 % 526 822 ₨
Alfalah Asset Management Ltd.
0.0790 %
1,403,669 0.0790 % 264 423 ₨

Holdings

NameEquities%Valuation
MCB BANK LIMITED
0.07%
 832,565 0.07% 608,730 $

Company contact information

Bank Alfalah Ltd.

B. A. Building I. I. Chundrigar Road

74000, Karachi

+92 21 3241 4030

http://www.bankalfalah.com
address Bank Alfalah Limited(BAFL)

Group companies

NameCategory and Sector
Alfalah CLSA Securities (Pvt) Ltd.
Logo Alfalah CLSA Securities (Pvt) Ltd.

Alfalah CLSA Securities (Pvt) Ltd.

Investment Banks/BrokersFinance

Alfalah CLSA Securities (Pvt) Ltd. is a leading capital markets and investment group in Pakistan. The joint venture company is based in Karachi, Pakistan. The Pakistani company provides a full spectrum of services, including investment banking and capital markets, equities, and research. Alfalah CLSA Securities (Pvt occupies a sweet spot as a gateway to international capital by leveraging the award-winning and unrivaled Chinese, N & international network of ‘CITIC Securities’ and ‘CLSA’ for international expertise, distribution, and outreach. Atif Mohammed Khan has been the CEO of the company since 2014.

Investment Banks/Brokers
Bank Alfalah Ltd. (Afghanistan)
Logo Bank Alfalah Ltd. (Afghanistan)

Bank Alfalah Ltd. (Afghanistan)

Regional BanksFinance

Part of Bank Alfalah Ltd., Bank Alfalah Ltd. (Afghanistan) is a large bank with a network of over 850 branches. The private company is based in Kabul, Afghanistan. Bank Alfalah is a strong advocate of diversity and inclusion, and believes in empowering women to make smart financial decisions.

Regional Banks
Bank Alfalah Ltd. (Bahrain)
Logo Bank Alfalah Ltd. (Bahrain)

Bank Alfalah Ltd. (Bahrain)

Regional BanksFinance

Part of Bank Alfalah Ltd., Bank Alfalah Ltd. (Bahrain) is a financial institution that offers personal and private banking services in major currencies. The private company is based in Manama, Bahrain. The Bahraini company's services include saving accounts, royal profit accounts, and term deposit accounts.

Regional Banks

Sector

Financials
Banking & Investment Services
Banking Services
Banks
Other Banks

Sales per Business

Sales per region

Ratings for Bank Alfalah Limited

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
9
Last Close Price
58.58 PKR
Average target price
63.91 PKR
Spread / Average Target
+9.10%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

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