HBL BANK UK LIMITED
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Next accounts due
2027-09-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2026-12-28 (in 7mo)
Last made up 2025-12-14
Watchouts
None on the register
Cash
£78M
-23.3% vs 2024
Net assets
£88M
+4.1% vs 2024
Employees
—
Average over period
Profit before tax
£6M
-37.3% vs 2024
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-12-31
| Metric | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Turnover | — | — | |
| Operating profit | £9,098,000 | £5,857,000 | |
| Profit before tax | £9,221,000 | £5,783,000 | |
| Net profit | £10,037,000 | £5,008,000 | |
| Cash | £102,057,000 | £78,260,000 | |
| Total assets less current liabilities | — | — | |
| Net assets | £84,200,000 | £87,654,000 | |
| Equity | £84,200,000 | £87,654,000 | |
| Average employees | — | — | |
| Wages | £12,778,000 | £13,161,000 | |
| Directors' remuneration | £1,161,000 | £1,261,000 |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Year-on-year
FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31
-
Turnover
—
Not reported
-
Cash
-23.3%
£102,057,000 £78,260,000
-
Net assets
+4.1%
£84,200,000 £87,654,000
-
Employees
—
Not reported
-
Operating profit
-35.6%
£9,098,000 £5,857,000
-
Profit before tax
-37.3%
£9,221,000 £5,783,000
-
Wages
+3%
£12,778,000 £13,161,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Gearing (liabilities / total assets) | 85.1% | 84.3% | |
| Interest cover | 1.33x | 0.81x |
Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 3 times since incorporation
- HBL BANK UK LIMITED 2018-12-10 → present
- HABIBSONS BANK LIMITED 1987-12-17 → 2018-12-10
- HABIBSONS TRUST AND FINANCE LIMITED 1984-08-03 → 1987-12-17
- DIKAPPA (NUMBER 253) LIMITED 1983-04-29 → 1984-08-03
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“the Directors are satisfied that the Bank has sufficient resources, appropriate capital and a suitable management structure to continue its activities for the foreseeable future, confirming that a going concern basis remains valid for the Bank's financial statements.”
Group structure
- HBL BANK UK LIMITED · parent
- HBL UK Nominees Limited 100%
Significant events
- “In 2025, the Bank closed its Birmingham branch and is now operating three branches (2024: four).”
- “Record growth of 36% in Customer Lending to an historic high.”
- “Strong growth of around 30% in trade finance fee income, driven by a focused international trade finance strategy.”
- “Introduction of Prestige banking, a bespoke proposition for eligible customers offering selected benefits and privileges.”
- “The Bank has assessed the impact of on-going geopolitical conflict and concluded that as there is no direct exposures so impact is minimal.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
9 active · 41 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BAKER, Simone Imogen | Secretary | 2025-10-01 | — | — |
| ANNIBALE, Robert Anthony | Director | 2024-04-01 | Jun 1958 | British |
| CLARK, Suzanne Elisabeth | Director | 2022-11-01 | Jan 1970 | British |
| FARACE, Andrea | Director | 2022-11-01 | Mar 1956 | Italian |
| MEER, Irfan Ahmed | Director | 2026-04-16 | Jul 1975 | Pakistani |
| MUFTI, Sagheer | Director | 2019-05-01 | Apr 1958 | British |
| PONCE DE LEON, Andreas Manuel, Mr. | Director | 2020-12-03 | Dec 1971 | American |
| QURASHI, Khalid | Director | 2022-11-01 | Apr 1951 | British |
| TALIB, Farhan | Director | 2024-05-01 | Aug 1972 | Pakistani |
Show 41 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CLARKE, John Brian | Secretary | — | 1995-02-28 |
| DAY, David William Edwin | Secretary | 2021-01-28 | 2025-09-30 |
| MEGHANI, Shahnoor | Secretary | 2020-05-01 | 2021-01-27 |
| PIRBHAI, Aftab Hussain | Secretary | 1998-09-29 | 2003-06-24 |
| PRITCHARD, Michael John Oulton | Secretary | 2009-11-24 | 2012-01-27 |
| QAZI, Hamid Masud | Secretary | 2012-01-27 | 2020-05-11 |
| RIZVI, Syed Akhtar Reza | Secretary | 2003-06-24 | 2003-09-30 |
| SARGENT, Philip Graham | Secretary | 1995-03-01 | 1998-09-24 |
| UPPAL, Khalid Iqbal | Secretary | 2003-09-30 | 2009-11-24 |
| ALI, Arif Mahmood | Director | 2018-03-05 | 2020-12-02 |
| BENDON, Michael David | Director | 1999-05-25 | 2019-06-30 |
| BLATCHFORD, David John | Director | 2011-05-31 | 2022-12-31 |
| BRADFORD, Kenneth | Director | — | 2000-12-31 |
| COTTON, John Nicholas | Director | 2015-07-15 | 2020-12-31 |
| DAR, Nauman Kramat | Director | 2011-03-29 | 2016-07-25 |
| FAKHRUDDIN, Shahid | Director | 2013-03-01 | 2016-10-28 |
| HABIB, Abbas Dawood | Director | — | 1997-10-28 |
| HABIB, Ahmed | Director | 1994-01-28 | 2011-04-20 |
| HABIB, Ali Raza | Director | — | 1997-10-28 |
| HABIB, Asghar Dawood | Director | 1997-11-25 | 2011-04-20 |
| HABIB, Habib Mohamed Dawood | Director | — | 2015-07-15 |
| HABIB, Hamid Dawood | Director | — | 1997-10-28 |
| HABIB, Muslim Rashid | Director | 1997-11-25 | 2011-03-29 |
| HABIB, Sajjad Hussain | Director | 1997-11-25 | 2000-12-31 |
| HABIB, Zain | Director | 2000-11-21 | 2011-04-20 |
| HANAFI, Mohammad Hassan | Director | — | 1998-09-30 |
| HASAN, Bande | Director | 1999-05-25 | 2015-01-30 |
| HASAN, Syed Abbas | Director | 2015-01-16 | 2019-06-28 |
| HERBERT, Sian Anne | Director | 2020-07-01 | 2022-12-31 |
| HIRST, Allan Jerome | Director | 2019-05-01 | 2022-12-31 |
| KENDRICK, Donald William | Director | — | 1999-12-31 |
| KOTWAL, Rayomond | Director | 2017-11-01 | 2026-04-15 |
| KOTWAL, Rayomond | Director | 2015-10-01 | 2015-10-01 |
| LALANI, Faisal Noorali | Director | 2018-06-20 | 2024-04-30 |
| MAHMOOD, Saalim | Director | 2015-08-26 | 2018-06-20 |
| MAHMOOD, Saalim | Director | 2011-03-29 | 2011-11-02 |
| PRITCHARD, Michael John Oulton | Director | 1999-01-26 | 2000-07-28 |
| QUINN, Patrick Joseph | Director | 2000-11-07 | 2015-09-30 |
| RAZA, Hassan | Director | 2016-04-18 | 2017-06-13 |
| WEDDERBURN, Juliet Hope Grant | Director | 2021-01-01 | 2023-12-31 |
| ZAIDI, Anwar Mahmood | Director | 2011-05-27 | 2014-05-29 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Habib Allied Holding Limited | Corporate entity | Shares 75–100% | 2016-06-30 | Active |
Filing timeline
Last 20 of 225 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-04 | AA | accounts | Accounts with accounts type full | |
| 2026-04-22 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-22 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-07 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-10-07 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-05-23 | AA | accounts | Accounts with accounts type full | |
| 2024-12-16 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-09-25 | AA | accounts | Accounts with accounts type full | |
| 2024-05-07 | TM01 | officers | Termination director company with name termination date | |
| 2024-05-07 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-03 | AP01 | officers | Appoint person director company with name date | |
| 2024-03-14 | CH01 | officers | Change person director company with change date | |
| 2024-02-21 | CH01 | officers | Change person director company with change date | |
| 2024-01-04 | TM01 | officers | Termination director company with name termination date | |
| 2023-12-22 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-12-14 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2023-08-17 | AA | accounts | Accounts with accounts type full | |
| 2023-01-03 | TM01 | officers | Termination director company with name termination date | |
| 2023-01-03 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 7
- Capital events
- 0
- Officers appointed
- 2
- Officers resigned
- 2
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.