Habib Metropolitan Bank Income Statement

Financials in millions PKR. Fiscal year is January - December.

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	163,621	241,204	209,337	135,178	74,359
Interest Income on Investments	956.72	775.46	657.87	328.56	161.29
Total Interest Income	164,578	241,980	209,995	135,506	74,520
Interest Paid on Deposits	95,512	168,758	136,139	93,512	44,200
Net Interest Income	69,066	73,221	73,855	41,994	30,320
Net Interest Income Growth (YoY)	-5.67%	-0.86%	75.87%	38.50%	2.38%
Gain (Loss) on Sale of Assets	-	135.04	75	143.45	278.18
Gain (Loss) on Sale of Investments	3,993	2,477	-5.27	-63.64	102.03
Other Non-Interest Income	19,785	18,043	14,694	13,152	10,692
Total Non-Interest Income	23,778	20,655	14,764	13,232	11,072
Non-Interest Income Growth (YoY)	15.12%	39.90%	11.58%	19.50%	16.24%
Revenues Before Loan Losses	92,844	93,876	88,619	55,226	41,392
Provision for Loan Losses	1,996	4,343	5,102	3,760	2,052
Revenue	90,848	89,533	83,517	51,466	39,340
Revenue Growth (YoY)	1.47%	7.20%	62.28%	30.82%	10.76%
Salaries and Employee Benefits	1,023	1,179	1,123	601.26	323.46
Selling, General & Administrative	-	2,776	2,271	1,639	1,070
Other Non-Interest Expense	39,818	31,474	27,000	20,757	15,959
Total Non-Interest Expense	40,841	35,429	30,393	22,997	17,352
EBT Excluding Unusual Items	50,008	54,104	53,124	28,469	21,988
Pretax Income	50,008	54,104	53,124	28,469	21,988
Income Tax Expense	26,847	28,339	27,888	13,545	8,126
Earnings From Continuing Operations	23,161	25,765	25,236	14,924	13,862
Minority Interest in Earnings	-497.39	-822.09	-679.39	-550.62	-344.56
Net Income	22,663	24,943	24,557	14,374	13,518
Net Income to Common	22,663	24,943	24,557	14,374	13,518
Net Income Growth	-9.14%	1.57%	70.84%	6.33%	12.15%
Basic Shares Outstanding	1,048	1,048	1,048	1,048	1,048
Diluted Shares Outstanding	1,048	1,048	1,048	1,048	1,048
Shares Change (YoY)	-0.01%	-	-	-	-
EPS (Basic)	21.63	23.80	23.44	13.72	12.90
EPS (Diluted)	21.63	23.80	23.44	13.72	12.90
EPS Growth	-9.13%	1.57%	70.84%	6.33%	12.15%
Dividend Per Share	12.000	12.000	10.500	5.250	5.000
Dividend Growth	-	14.29%	100.00%	5.00%	11.11%
Effective Tax Rate	53.69%	52.38%	52.50%	47.58%	36.95%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.