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Capital Adequacy Ratio
CEO Review
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Annual Report 2024

Annual Report 2023

Annual Report 2022

Annual Report 2021

Annual Report 2020

Annual Report 2019

Annual Report 2018

Annual Report 2017

Annual Report 2016

Annual Report 2015

Annual Report 2014

Annual Report 2013

Annual Report 2012

Annual Report 2011

Annual Report 2010

Annual Report 2009

Annual Report 2008

2025

Quarterly Financial Statements – March 2025

2024

Quarterly Financial Statements – September 2024

Quarterly Financial Statements – June 2024

Quarterly Financial Statements – March 2024

2023

Quarterly Financial Statements – September 2023

Quarterly Financial Statements – June 2023

Quarterly Financial Statements – March 2023

2022

Quarterly Financial Statements – September 2022

Quarterly Financial Statements – June 2022

Quarterly Financial Statements – March 2022

2021

Quarterly Financial Statements – September 2021

Quarterly Financial Statements – June 2021

Quarterly Financial Statements – March 2021

2020

Quarterly Financial Statements – September 2020

Quarterly Financial Statement – June 2020

Quarterly Financial Statement – March 2020

2019

Quarterly Financial Statements – September 2019

Quarterly Financial Statements – June 2019

Quarterly Financial Statement March 2019

2018

Quarterly Financial Statements – September 2018

Quarterly Financial Statements – June 2018

Quarterly Financial Statements – March 2018

2017

Quarterly Financial Statements September 2017

Quarterly financial statements – June 2017

Quarterly financial statements – March 2017

2016

Quarter Financial Statements – September 2016

Quarterly financial statements March 2016

Quarterly financial statements June 2016

2015

Quarterly Months Report September 2015

Quarterly Financial Statements June 2015

Quarterly Financial Statements March 2015

2014

Quarterly Financial Statements September 2014

Quarterly Financial Statements June 2014

Quarterly Financial Statements March 2014

2013

Quarterly Financial Statements September 2013

Quarterly Financial Statements June 2013

Quarterly Financial Statements March 2013

2012

Quarterly Financial Statements September 2012

Quarterly Financial Statements June 2012

Quarterly Financial Statements March 2012

2011

Quarterly Financial Statements September 2011

Quarterly Financial Statements June 2011

Quarterly Financial Statements March 2011

2010

Quarterly Financial Statements September 2010

Quarterly Financial Statements June 2010

Quarterly Financial Statements March 2010

2009

Quarterly Financial Statements September 2009

Quarterly Financial Statements June 2009

Quarterly Financial Statements March 2009

2008

Quarterly Financial Statements September 2008

Quarterly Financial Statements June 2008

Quarterly Financial Statements March 2008

2025

Analyst Briefing – 1Q 2025

2024

Analyst Briefing – 2024

Analyst Briefing – 3Q 2024

Analyst Briefing – 2Q 2024

Analyst Briefing – 1Q 2024

2023

Analyst Briefing – 2023

Analyst Briefing – 3Q 2023

Analyst Briefing – 2Q 2023

Analyst Briefing – 1Q 2023

2022

Analyst Briefing – 2022

Analyst Briefing – 3Q 2022

Analyst Briefing – 2Q 2022

Analyst Briefing – 1Q 2022

2021

Analyst Briefing
2021

Analyst Briefing – 3Q 2021

Analyst Briefing – 2Q 2021

Analyst Briefing – 1Q 2021

2020

Analyst Briefing
2020

Analyst Briefing – 3Q 2020

Analyst Briefing – 2Q 2020

Analyst Briefing – 1Q 2020

2019

Analyst Briefing
2019

Analyst Briefing – 3Q 2019

Analyst Briefing – 2Q 2019

Analyst Briefing – 1Q 2019

2018

Analyst Briefing
2018

Analyst Briefing – 3Q 2018

Analyst Briefing – 2Q 2018

Analyst Briefing – 1Q 2018

2017

Analyst Briefing
2017

Analyst Briefing – 3Q 2017

Analyst Briefing – 2Q 2017

Analyst Briefing – 1Q 2017

2016

Analyst Briefing
2016

Analyst Briefing – 3Q 2016

Analyst Briefing – 2Q 2016

Analyst Briefing – 1Q 2016

2015

Analyst Briefing
2015

Analyst Briefing – 3Q 2015

Analyst Briefing – 2Q 2015

Analyst Briefing – 1Q 2015

2014

Analyst Briefing
2014

Analyst Briefing 9M
2014

Analyst Briefing 1H
2014

Analyst Briefing – 1Q 2014

2013

Bank Alfalah 2013 Analyst Briefing

Analyst Briefing – 3Q 2013

Capital Adequacy Ratio, Leverage Ratio and Liquidity Requirements

2024

Standalone Disclosure

Consolidated Disclosure

2023

Standalone Disclosure

Consolidated Disclosure

2022

Standalone Disclosure

Consolidated Disclosure

2021

Standalone Disclosure

Consolidated Disclosure

2020

Standalone Disclosure

Consolidated Disclosure

2019

Standalone Disclosure

Consolidated Disclosure

2018

Standalone Disclosure

Consolidated Disclosure

CEO Review 2024

CEO Review 2023

CEO Review 2022

CEO Review 2021

CEO Review 2020

Best Corporate Report – Checklist 2024

Best Corporate Report – Checklist 2022

Best Corporate Report – Checklist 2021

Entity Rating

Long Term ‘AAA’ (Triple A)
Short Term ‘A1+’ (A one plus)
Outlook: Stable
Download Report

TFC (ADT – 1 2018) Rating

‘AA+’ (double A plus)
Download Report

TFC (ADT – 1 2022) Rating

‘AA+’ (double A plus)
Download Report

Gender pay gap statement under SECP Circular 10 of 2024

The male vs female mean and median ratios for the year 2024, as required by SECP Circular 10 of 2024 are as follows:

Tier	Mean Gender Pay Gap	Median Gender Pay Gap
Tier-1	0.97 : 1	1.05 : 1
Tier-2	1.15 : 1	1.14 : 1
Tier-3	1.15 : 1	1.16 : 1
Tier-4	1.17 : 1	1.12 : 1

Annual Reports

Annual Report 2024

Annual Report 2023

Annual Report 2022

Annual Report 2021

Annual Report 2020

Annual Report 2019

Annual Report 2018

Annual Report 2017

Annual Report 2016

Annual Report 2015

Annual Report 2014

Annual Report 2013

Annual Report 2012

Annual Report 2011

Annual Report 2010

Annual Report 2009

Annual Report 2008

Quarterly Reports

2025

Quarterly Financial Statements – March 2025

2024

Quarterly Financial Statements – September 2024

Quarterly Financial Statements – June 2024

Quarterly Financial Statements – March 2024

2023

Quarterly Financial Statements – September 2023

Quarterly Financial Statements – June 2023

Quarterly Financial Statements – March 2023

2022

Quarterly Financial Statements – September 2022

Quarterly Financial Statements – June 2022

Quarterly Financial Statements – March 2022

2021

Quarterly Financial Statements – September 2021

Quarterly Financial Statements – June 2021

Quarterly Financial Statements – March 2021

2020

Quarterly Financial Statements – September 2020

Quarterly Financial Statement – June 2020

Quarterly Financial Statement – March 2020

2019

Quarterly Financial Statements – September 2019

Quarterly Financial Statements – June 2019

Quarterly Financial Statement March 2019

2018

Quarterly Financial Statements – September 2018

Quarterly Financial Statements – June 2018

Quarterly Financial Statements – March 2018

2017

Quarterly Financial Statements September 2017

Quarterly financial statements – June 2017

Quarterly financial statements – March 2017

2016

Quarter Financial Statements – September 2016

Quarterly financial statements March 2016

Quarterly financial statements June 2016

2015

Quarterly Months Report September 2015

Quarterly Financial Statements June 2015

Quarterly Financial Statements March 2015

2014

Quarterly Financial Statements September 2014

Quarterly Financial Statements June 2014

Quarterly Financial Statements March 2014

2013

Quarterly Financial Statements September 2013

Quarterly Financial Statements June 2013

Quarterly Financial Statements March 2013

2012

Quarterly Financial Statements September 2012

Quarterly Financial Statements June 2012

Quarterly Financial Statements March 2012

2011

Quarterly Financial Statements September 2011

Quarterly Financial Statements June 2011

Quarterly Financial Statements March 2011

2010

Quarterly Financial Statements September 2010

Quarterly Financial Statements June 2010

Quarterly Financial Statements March 2010

2009

Quarterly Financial Statements September 2009

Quarterly Financial Statements June 2009

Quarterly Financial Statements March 2009

2008

Quarterly Financial Statements September 2008

Quarterly Financial Statements June 2008

Quarterly Financial Statements March 2008

Analyst Briefing

2025

Analyst Briefing – 1Q 2025

2024

Analyst Briefing – 2024

Analyst Briefing – 3Q 2024

Analyst Briefing – 2Q 2024

Analyst Briefing – 1Q 2024

2023

Analyst Briefing – 2023

Analyst Briefing – 3Q 2023

Analyst Briefing – 2Q 2023

Analyst Briefing – 1Q 2023

2022

Analyst Briefing – 2022

Analyst Briefing – 3Q 2022

Analyst Briefing – 2Q 2022

Analyst Briefing – 1Q 2022

2021

Analyst Briefing
2021

Analyst Briefing – 3Q 2021

Analyst Briefing – 2Q 2021

Analyst Briefing – 1Q 2021

2020

Analyst Briefing
2020

Analyst Briefing – 3Q 2020

Analyst Briefing – 2Q 2020

Analyst Briefing – 1Q 2020

2019

Analyst Briefing
2019

Analyst Briefing – 3Q 2019

Analyst Briefing – 2Q 2019

Analyst Briefing – 1Q 2019

2018

Analyst Briefing
2018

Analyst Briefing – 3Q 2018

Analyst Briefing – 2Q 2018

Analyst Briefing – 1Q 2018

2017

Analyst Briefing
2017

Analyst Briefing – 3Q 2017

Analyst Briefing – 2Q 2017

Analyst Briefing – 1Q 2017

2016

Analyst Briefing
2016

Analyst Briefing – 3Q 2016

Analyst Briefing – 2Q 2016

Analyst Briefing – 1Q 2016

2015

Analyst Briefing
2015

Analyst Briefing – 3Q 2015

Analyst Briefing – 2Q 2015

Analyst Briefing – 1Q 2015

2014

Analyst Briefing
2014

Analyst Briefing 9M
2014

Analyst Briefing 1H
2014

Analyst Briefing – 1Q 2014

2013

Bank Alfalah 2013 Analyst Briefing

Analyst Briefing – 3Q 2013

Capital Adequacy Ratio

Capital Adequacy Ratio, Leverage Ratio and Liquidity Requirements

2024

Standalone Disclosure

Consolidated Disclosure

2023

Standalone Disclosure

Consolidated Disclosure

2022

Standalone Disclosure

Consolidated Disclosure

2021

Standalone Disclosure

Consolidated Disclosure

2020

Standalone Disclosure

Consolidated Disclosure

2019

Standalone Disclosure

Consolidated Disclosure

2018

Standalone Disclosure

Consolidated Disclosure

CEO Review 2024

CEO Review 2023

CEO Review 2022

CEO Review 2021

CEO Review 2020

Best Corporate Report

Best Corporate Report – Checklist 2024

Best Corporate Report – Checklist 2022

Best Corporate Report – Checklist 2021

Credit Rating

Entity Rating

Long Term ‘AAA’ (Triple A)
Short Term ‘A1+’ (A one plus)
Outlook: Stable
Download Report

TFC (ADT – 1 2018) Rating

‘AA+’ (double A plus)
Download Report

TFC (ADT – 1 2022) Rating

‘AA+’ (double A plus)
Download Report

Other Information

Gender pay gap statement under SECP Circular 10 of 2024

The male vs female mean and median ratios for the year 2024, as required by SECP Circular 10 of 2024 are as follows:

Tier	Mean Gender Pay Gap	Median Gender Pay Gap
Tier-1	0.97 : 1	1.05 : 1
Tier-2	1.15 : 1	1.14 : 1
Tier-3	1.15 : 1	1.16 : 1
Tier-4	1.17 : 1	1.12 : 1

Eligible Cards for Bank Alfalah Premier Lounge JIAP Karachi, Effective July 1, 2025:

Card Type	Eligible Cards for Bank Alfalah Premier Lounge JIAP Karachi	Card Holder Visit	Accompanying Guest Visit
Credit	Bank Alfalah Infinite Visa Credit Card	Complimentary Access	Complimentary Access
Debit	Bank Alfalah Infinite Visa Debit Card
Debit	Bank Alfalah Infinite Islamic Visa Debit Card
Credit	Bank Alfalah American Express Gold Credit Card
Credit	Bank Alfalah Premier Visa Platinum Credit Card
Debit	Bank Alfalah Premier Visa Signature Debit Card
Debit	Bank Alfalah Premier EO Visa Signature Debit Card
Debit	Bank Alfalah Islamic Premier Visa Signature Debit Card
Credit	Bank Alfalah Visa Corporate Credit Card
Credit	Bank Alfalah Visa Platinum Credit Card	Charged Access	Charged Access
Debit	Bank Alfalah Visa Platinum Debit Card
Debit	Bank Alfalah Visa Signature Debit Card
Debit	Bank Alfalah Islamic Visa Signature Debit Card
Debit	Bank Alfalah Islamic Visa Power Pack Debit Card

* Maximum no. of guest(s) allowed on each eligible card is 1.
* For details of charges, please refer to the latest Schedule of Bank Charges.