HABIB BANK ZURICH PLC
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Cash
—
Latest balance sheet
Net assets
£125M
+3.9% highest in 3 filed years
Employees
161
-0.6% vs 2024
Profit before tax
£13M
-10.6% vs 2024
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Net interest income | — | £37,997,000 | £37,734,000 | -0.7% | |
| Fee & commission income | — | £1,715,000 | £1,800,000 | +5% | |
| Operating income | — | £40,294,000 | £40,872,000 | +1.4% | |
| Impairment losses | — | -£1,183,000 | -£937,000 | +20.8% | |
| Profit before tax | £13,287,000 | £14,975,000 | £13,390,000 | -10.6% | |
| Net profit | £12,552,000 | £11,087,000 | £10,023,000 | -9.6% | |
| Loans & advances to customers | — | £682,470,000 | £800,598,000 | +17.3% | |
| Customer deposits | — | £1,023,002,000 | £1,142,802,000 | +11.7% | |
| Total assets | £1,144,096,000 | £1,284,398,000 | £1,483,269,000 | +15.5% | |
| Total liabilities | — | £1,164,502,000 | £1,358,682,000 | +16.7% | |
| Equity | £102,879,000 | £119,896,000 | £124,587,000 | +3.9% | |
| Average employees | 149 | 162 | 161 | -0.6% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Return on capital employed | 9.9% | 9.6% | — | |
| Gearing (liabilities / total assets) | 91.0% | 90.7% | 91.6% | |
| Current ratio | 0.95x | 0.91x | — | |
| Interest cover | 0.46x | 0.33x | — |
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 1 time since incorporation
- HABIB BANK ZURICH PLC 2016-03-09 → present
- HABIB AG ZURICH UK PLC 2014-01-28 → 2016-03-09
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Forvis Mazars LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors believe that it remains appropriate to prepare the financial statements on a going concern basis for the foreseeable future being a minimum period of 12 months from the date of these financial statements. There are no material uncertainties identified that may pose any doubt on the Bank's ability to continue as a going concern.”
Significant events
- “The Directors recommend a final dividend of £0.0413 (2024: £0.0693) per ordinary share to be paid in respect of the year in their meeting held on 16th April 2026.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
9 active · 9 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| TAYLOR WESSING SECRETARIES LIMITED | Corporate Secretary | 2014-01-28 | — | — |
| BRYANS, Stephen | Director | 2021-07-13 | Oct 1960 | British |
| HABIB, Muhammad | Director | 2014-01-28 | Mar 1959 | Swiss |
| HUSAIN, Masarrat | Director | 2025-04-15 | Mar 1951 | British,Pakistani |
| LAWRENCE, Sheryl Arlene Frances | Director | 2023-02-15 | Oct 1964 | British |
| QAZI, Kamran | Director | 2021-07-13 | Jul 1968 | British |
| ROY, Satyajeet | Director | 2017-02-08 | Mar 1967 | British |
| TUEFEKCI, Ertugrul | Director | 2026-01-02 | Apr 1974 | Swiss |
| USMANI, Arif | Director | 2026-04-16 | Apr 1957 | Pakistani |
Show 9 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| JOSEPH, Sedjwick John | Secretary | 2014-01-28 | 2015-02-11 |
| BARNETT, Stuart | Director | 2015-08-27 | 2017-06-30 |
| BILLAH, Khawja Md Masum | Director | 2018-12-06 | 2021-03-31 |
| CHOUDHRY, Sherif Moorad Saeed | Director | 2015-08-27 | 2016-03-18 |
| GARG, Rajat | Director | 2016-05-26 | 2025-12-31 |
| GREGORY, Gerald Arthur | Director | 2017-08-01 | 2021-06-30 |
| IQBAL, Anjum Zahoor | Director | 2014-01-28 | 2026-04-16 |
| JOSEPH, Sedjwick John | Director | 2014-01-28 | 2015-08-27 |
| LEONARD, Carey Anthony Pennington | Director | 2015-08-27 | 2025-04-15 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 57 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-10 | AP01 | officers | Appoint person director company with name date | |
| 2026-06-09 | AA | accounts | Accounts with accounts type full | |
| 2026-06-08 | TM01 | officers | Termination director company with name termination date | |
| 2026-02-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-02-11 | TM01 | officers | Termination director company with name termination date | |
| 2026-02-10 | AP01 | officers | Appoint person director company with name date | |
| 2025-05-19 | AA | accounts | Accounts with accounts type full | |
| 2025-05-12 | AP01 | officers | Appoint person director company with name date | |
| 2025-05-12 | TM01 | officers | Termination director company with name termination date | |
| 2025-02-24 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-06-13 | SH01 | capital | Capital allotment shares | |
| 2024-04-26 | AA | accounts | Accounts with accounts type full | |
| 2024-01-30 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-06-16 | AA | accounts | Accounts with accounts type full | |
| 2023-03-13 | AP01 | officers | Appoint person director company with name date | |
| 2023-02-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-10-11 | AP01 | officers | Appoint person director company with name date | |
| 2022-06-16 | AA | accounts | Accounts with accounts type full | |
| 2022-02-22 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2022-02-22 | SH01 | capital | Capital allotment shares |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 6
- 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.