Habib Metropolitan Bank Balance Sheet

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	86,203	74,575	94,931	71,418	67,799	39,212
Investment Securities	851,476	757,262	736,709	597,727	482,075	490,881
Trading Asset Securities	54,874	54,209	2,889	2,702	6,218	4,718
Total Investments	906,350	811,472	739,598	600,429	488,293	495,599
Gross Loans	564,405	538,514	466,488	475,670	436,928	342,142
Allowance for Loan Losses	-30,978	-30,475	-27,359	-22,270	-21,170	-19,445
Other Adjustments to Gross Loans	-	-	-	-27.46	-24.21	-41.04
Net Loans	533,427	508,040	439,129	453,373	415,734	322,656
Property, Plant & Equipment	26,072	25,851	23,407	21,711	12,077	9,100
Other Intangible Assets	688.09	552.08	368.33	140.41	163.19	131.33
Accrued Interest Receivable	35,265	30,292	38,438	21,175	11,353	10,048
Other Receivables	8,417	2,206	43.51	16.85	3,017	1,999
Restricted Cash	22,675	18,790	17,806	6,197	15,587	15,483
Other Current Assets	47,440	43,459	25,747	25,863	29,508	35,405
Long-Term Deferred Tax Assets	-	-	5,265	5,131	3,218	1,154
Other Real Estate Owned & Foreclosed	6,476	4,300	4,300	4,300	4,547	2,983
Other Long-Term Assets	1,190	6,048	184,630	202,130	183,894	91,848
Total Assets	1,680,633	1,525,584	1,573,663	1,411,884	1,235,191	1,025,618
Accrued Expenses	9,846	8,102	8,554	5,381	3,830	3,242
Interest Bearing Deposits	623,160	520,806	637,767	572,998	503,650	459,874
Non-Interest Bearing Deposits	414,206	404,422	373,719	306,654	268,000	220,517
Total Deposits	1,037,366	925,228	1,011,486	879,652	771,650	680,391
Short-Term Borrowings	321,247	294,940	276,504	287,946	257,718	166,617
Current Portion of Long-Term Debt	-	20,025	11,462	12,487	21,050	11,682
Current Portion of Leases	1,178	1,059	887.26	859.16	693.5	527.73
Current Income Taxes Payable	-	6,307	10,046	4,807	2,115	2,025
Accrued Interest Payable	10,984	16,831	20,342	15,433	7,237	8,211
Other Current Liabilities	85,567	72,697	53,884	46,538	47,699	50,852
Long-Term Debt	57,682	38,535	51,508	55,766	46,951	33,462
Long-Term Leases	9,723	9,461	8,199	6,952	5,494	4,087
Long-Term Unearned Revenue	1,202	1,164	721.37	529.6	532.94	307.57
Pension & Post-Retirement Benefits	345.11	121.02	-	35.07	56.63	17.85
Long-Term Deferred Tax Liabilities	3,104	2,723	-	-	-	-
Other Long-Term Liabilities	12,764	7,499	21,880	16,771	3,275	2,857
Total Liabilities	1,551,007	1,404,692	1,475,474	1,333,157	1,168,302	964,281
Common Stock	10,478	10,478	10,478	10,478	10,478	10,478
Additional Paid-In Capital	2,551	2,551	2,551	2,551	2,551	2,551
Retained Earnings	96,029	88,266	75,754	59,607	50,476	41,545
Comprehensive Income & Other	15,339	14,754	5,212	2,406	-114.94	3,424
Total Common Equity	124,397	116,050	93,996	75,042	63,390	57,998
Minority Interest	5,228	4,843	4,193	3,685	3,499	3,340
Shareholders' Equity	129,626	120,893	98,189	78,728	66,889	61,338
Total Liabilities & Equity	1,680,633	1,525,584	1,573,663	1,411,884	1,235,191	1,025,618
Total Debt	389,830	364,020	348,561	364,010	331,906	216,377
Net Cash (Debt)	-228,547	-235,235	-250,741	-215,460	-257,681	-172,161
Net Cash Per Share	-218.11	-224.50	-239.30	-205.62	-245.92	-164.30
Filing Date Shares Outstanding	1,051	1,048	1,048	1,048	1,048	1,048
Total Common Shares Outstanding	1,051	1,048	1,048	1,048	1,048	1,048
Book Value Per Share	118.33	110.75	89.71	71.62	60.50	55.35
Tangible Book Value	123,709	115,498	93,627	74,902	63,227	57,867
Tangible Book Value Per Share	117.68	110.23	89.35	71.48	60.34	55.23

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