Bank Al Habib (PSX: BAHL) recently announced a significant decline in its 2025 financial performance, with a consolidated profit-after-tax (PAT) of Rs. 32.46 billion, marking a 23% decrease year-on-year (YoY). This downturn is attributed to lower policy rates and increased operating expenses, as reported by both TechJuice and ProPakistani on February 11, 2026. The bank's final cash dividend for the fourth quarter of 2025 was Rs. 4.5 per share, bringing the total dividend per share (DPS) for the year to Rs. 15.0, down from Rs. 17.0 in 2024. ProPakistani highlighted that the bank's non-interest expenses rose by 22% YoY, driven by higher marketing spending on remittances, which increased the cost-to-income ratio to 67% in 4Q2025. Furthermore, the bank's net interest income (NII) fell by 21% YoY due to a decline in asset yields.