Habib Metropolitan Bank Limited (PSX:HMB)

Habib Metropolitan Bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	202,245	241,204	209,337	135,178	74,359	77,121
Interest Income on Investments	868.11	775.46	657.87	328.56	161.29	191.83
Total Interest Income	203,113	241,980	209,995	135,506	74,520	77,313
Interest Paid on Deposits	125,975	168,758	136,139	93,512	44,200	47,698
Net Interest Income	77,138	73,221	73,855	41,994	30,320	29,616
Net Interest Income Growth (YoY)	3.52%	-0.86%	75.87%	38.50%	2.38%	63.90%
Gain (Loss) on Sale of Assets	133.48	135.04	75	143.45	278.18	34.71
Gain (Loss) on Sale of Investments	3,182	2,477	-5.27	-63.64	102.03	-44.34
Other Non-Interest Income	19,520	18,043	14,694	13,152	10,692	9,535
Total Non-Interest Income	22,836	20,655	14,764	13,232	11,072	9,525
Non-Interest Income Growth (YoY)	41.40%	39.90%	11.58%	19.50%	16.24%	30.33%
Revenues Before Loan Losses	99,974	93,876	88,619	55,226	41,392	39,141
Provision for Loan Losses	3,399	4,343	5,102	3,760	2,052	3,621
Revenue	96,575	89,533	83,517	51,466	39,340	35,520
Revenue Growth (YoY)	12.52%	7.20%	62.28%	30.82%	10.76%	42.32%
Salaries and Employee Benefits	1,247	1,179	1,123	601.26	323.46	463.45
Selling, General & Administrative	2,684	2,776	2,271	1,639	1,070	848.25
Other Non-Interest Expense	35,510	31,474	27,000	20,757	15,959	13,782
Total Non-Interest Expense	39,441	35,429	30,393	22,997	17,352	15,093
EBT Excluding Unusual Items	57,134	54,104	53,124	28,469	21,988	20,427
Other Unusual Items	-	-	-	-	-	-40.53
Pretax Income	57,134	54,104	53,124	28,469	21,988	20,386
Income Tax Expense	31,326	28,339	27,888	13,545	8,126	8,051
Earnings From Continuing Operations	25,809	25,765	25,236	14,924	13,862	12,335
Minority Interest in Earnings	-876.57	-822.09	-679.39	-550.62	-344.56	-282.38
Net Income	24,932	24,943	24,557	14,374	13,518	12,053
Net Income to Common	24,932	24,943	24,557	14,374	13,518	12,053
Net Income Growth	2.41%	1.57%	70.84%	6.33%	12.15%	81.37%
Basic Shares Outstanding	1,048	1,048	1,048	1,048	1,048	1,048
Diluted Shares Outstanding	1,048	1,048	1,048	1,048	1,048	1,048
EPS (Basic)	23.79	23.80	23.44	13.72	12.90	11.50
EPS (Diluted)	23.79	23.80	23.44	13.72	12.90	11.50
EPS Growth	2.41%	1.57%	70.84%	6.33%	12.15%	81.37%
Dividend Per Share	12.000	12.000	10.500	5.250	5.000	4.500
Dividend Growth	14.29%	14.29%	100.00%	5.00%	11.11%	80.00%
Effective Tax Rate	54.83%	52.38%	52.50%	47.58%	36.95%	39.49%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.