Habib Bank Management

Management criteria checks 2/4

We currently do not have sufficient information about the CEO.

Key information

Muhammad Salim

Chief executive officer

n/a

Total compensation

CEO salary percentage	n/a
CEO tenure	2yrs
CEO ownership	0.01%
Management average tenure	2yrs
Board average tenure	10.7yrs

Recent management updates

Recent updates

CEO

Muhammad Salim (64 yo)

2yrs

Tenure

Mr. Muhammad Nassir Salim serves as CEO and President at Habib Bank Limited since March 28, 2024 and serves as its Director. He served as Director at Central Depository Company of Pakistan Limited until Ju...

Leadership Team

Name	Position	Tenure	Compensation	Ownership
Muhammad Salim	President	2yrs	no data	0.013% PKR 53.2m
Irfan Meer	Chief Financial Officer	less than a year	no data	no data
Aamir Irshad	Head of Corporate	6.2yrs	no data	no data
Muhammad Anwar	Chief Technology Officer	1.4yrs	no data	no data
Abrar Mir	Chief Information & Transformation Officer	no data	no data	no data
Muhammad Khan	Chief Compliance & Conduct Officer	less than a year	no data	no data
Jamal Nasir	Chief Human Resources Officer	no data	no data	no data
Aamir Kureshi	Head of Products	no data	no data	no data
Farhan Talib	Head of International	8.2yrs	no data	no data
Armughan Kausar	Head of Konnect & Mass Segment	1.4yrs	no data	no data
Faisal Lalani	Head of Financial Institutions	8yrs	no data	no data
Naeem Ahmad	Head of Corporate Strategy	8.2yrs	no data	no data

2.0yrs

Average Tenure

60yo

Average Age

Experienced Management: HBL's management team is considered experienced (2 years average tenure).

Board Members

Name	Position	Tenure	Compensation	Ownership
Muhammad Salim	President	no data	no data	0.013% PKR 53.2m
Moez Jamal	Non-Executive Director	17.2yrs	PK₨24.00m	no data
Sultan Ali Allana	Chairman of the Board	22.1yrs	PK₨13.05m	no data
Syed Raza	Non-Executive Director	8.4yrs	PK₨17.25m	0.000040% PKR 163.4k
Mufti Muhammad Asim	Resident Shariah Board Member	no data	no data	no data
Najeeb Samie	Non-Executive Director	12.6yrs	PK₨19.50m	0.0034% PKR 14.1m
Shaffiq Dharamshi	Non-Executive Director	11yrs	no data	no data
Muhammad Zubair Usmani	Chairman of Shariah Board	10.3yrs	no data	no data
Ejaz Samadani	Member of Shariah Board	no data	no data	no data
Khaleel Ahmed	Independent Director	4.9yrs	PK₨20.25m	0% PKR 0
Saba Kamal	Independent Director	4.9yrs	PK₨15.00m	0.00085% PKR 3.5m

10.7yrs

Average Tenure

68yo

Average Age

Experienced Board: HBL's board of directors are seasoned and experienced ( 10.7 years average tenure).

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/03/08 02:59
End of Day Share Price	2026/03/06 00:00
Earnings	2025/12/31
Annual Earnings	2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Habib Bank Limited is covered by 20 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
null null	AKD Research
null null	Arif Habib Limited
Alistair Scarff	BofA Global Research

Habib Bank Management

Management criteria checks 2/4

Key information

Recent management updates

Habib Bank Limited, Annual General Meeting, Mar 30, 2026

Habib Bank Limited, Annual General Meeting, Mar 26, 2025

Less than half of directors are independent

Habib Bank Limited Appoints Usman Naveed Chaudhary as Company Secretary

Less than half of directors are independent

Recent updates

Fourth quarter dividend of PK₨6.00 announced

Habib Bank Limited, Annual General Meeting, Mar 30, 2026

Full year 2025 earnings released: EPS: PK₨45.48 (vs PK₨39.85 in FY 2024)

Habib Bank Limited to Report Fiscal Year 2025 Results on Feb 18, 2026

Third quarter 2025 earnings released: EPS: PK₨11.53 (vs PK₨9.85 in 3Q 2024)

Habib Bank Limited to Report Q3, 2025 Results on Oct 23, 2025

Investor sentiment improves as stock rises 17%

Second quarter 2025 earnings released: EPS: PK₨12.12 (vs PK₨9.81 in 2Q 2024)

Investor sentiment improves as stock rises 16%

Habib Bank Limited to Report Q2, 2025 Results on Jul 31, 2025

Investor sentiment improves as stock rises 21%

Fourth quarter dividend of PK₨4.50 announced

Upcoming dividend of PK₨4.25 per share

Fourth quarter dividend of PK₨4.25 announced

Habib Bank Limited, Annual General Meeting, Mar 26, 2025

Price target increased by 12% to PK₨189

Price target increased by 8.4% to PK₨170

Investor sentiment improves as stock rises 16%

New major risk - Revenue and earnings growth

Investor sentiment improves as stock rises 27%

Price target increased by 7.0% to PK₨157

Third quarter 2024 earnings released: EPS: PK₨9.85 (vs PK₨11.34 in 3Q 2023)

Second quarter dividend of PK₨4.00 announced

Price target increased by 10% to PK₨141

Full year 2023 earnings released: EPS: PK₨39.32 (vs PK₨23.23 in FY 2022)

Upcoming dividend of PK₨4.00 per share

Consensus EPS estimates fall by 12%

New major risk - Revenue and earnings growth

Third quarter dividend of PK₨4.00 announced

Price target increased by 12% to PK₨120

Investor sentiment improves as stock rises 19%

Third quarter 2023 earnings released: EPS: PK₨11.34 (vs PK₨7.85 in 3Q 2022)

Price target increased by 7.4% to PK₨122

Consensus EPS estimates increase by 16%

Investor sentiment improves as stock rises 16%

Upcoming dividend of PK₨1.50 per share at 9.0% yield

Price target decreased by 7.9% to PK₨144

Investor sentiment improves as stock rises 18%

Price target decreased to PK₨145

Less than half of directors are independent

Upcoming dividend of PK₨1.50 per share

Habib Bank Limited Appoints Usman Naveed Chaudhary as Company Secretary

Investor sentiment deteriorated over the past week

Now 21% undervalued after recent price drop

Now 21% undervalued after recent price drop

Now 21% undervalued after recent price drop

Less than half of directors are independent

Upcoming dividend of PK₨2.25 per share

Full year 2021 earnings: Revenues exceed analysts expectations while EPS lags behind

Upcoming dividend of PK₨1.75 per share

Third quarter 2021 earnings released: EPS PK₨6.17 (vs PK₨6.85 in 3Q 2020)

Upcoming dividend of PK₨1.75 per share

Second quarter 2021 earnings released

Upcoming dividend of PK₨1.75 per share

Habib Bank Limited Declares Interim Cash Dividend for the Quarter Ended March 31, 2021

Habib Bank Limited Announces Unaudited Consolidated Interim Impairment Charge for the Quarter Ended March 31, 2021

First quarter 2021 earnings released: EPS PK₨5.68 (vs PK₨2.79 in 1Q 2020)

Full year 2020 earnings released: EPS PK₨21.06 (vs PK₨10.45 in FY 2019)

Revenue beats expectations, earnings disappoint

Full year 2020 earnings released: EPS PK₨21.06 (vs PK₨10.45 in FY 2019)

Revenue beats expectations, earnings disappoint

New 90-day low: PK₨125

Price target raised to PK₨164

New 90-day high: PK₨140

Analysts update estimates

Habib Bank Limited Declares No Dividend for the Quarter Ended September 30, 2020

Third-quarter earnings released: Revenue and earnings beat expectations

Third quarter earnings released

New 90-day high: PK₨139

Price target lowered to PK₨146