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
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
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 |
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
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 |
Margins divide P&L lines by turnover. 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.
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.
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. Periods don't have to be exactly 12 months apart — a long or short period (typical around incorporation or year-end changes) will distort the comparison. Lines a company doesn't report are omitted. About these numbers