Habib Metropolitan Bank Limited (PSX: HMB)

Habib Metropolitan Bank Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	-	94,931	71,418	67,799	39,212	51,589
Investment Securities	-	736,709	597,727	482,075	490,881	354,320
Trading Asset Securities	-	2,889	2,702	6,218	4,718	4,459
Total Investments	-	739,598	600,429	488,293	495,599	358,779
Gross Loans	-	466,504	475,670	436,928	342,142	312,749
Allowance for Loan Losses	-	-27,359	-22,270	-21,170	-19,445	-16,929
Other Adjustments to Gross Loans	-	-16.23	-27.46	-24.21	-41.04	-29.82
Net Loans	-	439,129	453,373	415,734	322,656	295,790
Property, Plant & Equipment	-	23,407	21,711	12,077	9,100	8,381
Other Intangible Assets	-	368.33	140.41	163.19	131.33	108.37
Accrued Interest Receivable	-	38,438	21,175	11,353	10,048	12,481
Other Receivables	-	43.51	16.85	3,017	1,999	53.9
Restricted Cash	-	17,806	6,197	15,587	15,483	22,012
Other Current Assets	-	25,747	25,863	29,508	35,405	22,183
Long-Term Deferred Tax Assets	-	5,265	5,131	3,218	1,154	3,710
Other Real Estate Owned & Foreclosed	-	4,300	4,300	4,547	2,983	764.06
Other Long-Term Assets	-	184,630	202,130	183,894	91,848	89,375
Total Assets	-	1,573,663	1,411,884	1,235,191	1,025,618	865,226
Accrued Expenses	-	8,554	5,381	3,830	3,242	2,424
Interest Bearing Deposits	-	637,767	572,998	503,650	459,874	435,867
Non-Interest Bearing Deposits	-	373,719	306,654	268,000	220,517	175,393
Total Deposits	-	1,011,486	879,652	771,650	680,391	611,260
Short-Term Borrowings	-	276,504	287,946	257,718	166,617	140,828
Current Portion of Long-Term Debt	-	11,462	12,487	21,050	11,682	2,824
Current Portion of Leases	-	887.26	859.16	693.5	527.73	549.89
Current Income Taxes Payable	-	10,046	4,807	2,115	2,025	-
Accrued Interest Payable	-	20,342	15,433	7,237	8,211	10,054
Other Current Liabilities	-	53,884	46,538	47,699	50,852	33,226
Long-Term Debt	-	51,508	55,766	46,951	33,462	9,875
Long-Term Leases	-	8,199	6,952	5,494	4,087	3,297
Long-Term Unearned Revenue	-	721.37	529.6	532.94	307.57	200.78
Pension & Post-Retirement Benefits	-	-	35.07	56.63	17.85	116.62
Other Long-Term Liabilities	-	21,880	16,771	3,275	2,857	2,742
Total Liabilities	-	1,475,474	1,333,157	1,168,302	964,281	817,397
Common Stock	-	10,478	10,478	10,478	10,478	10,478
Additional Paid-In Capital	-	2,551	2,551	2,551	2,551	2,551
Retained Earnings	-	75,754	59,607	50,476	41,545	34,139
Comprehensive Income & Other	-	5,212	2,406	-114.94	3,424	-2,633
Total Common Equity	100,409	93,996	75,042	63,390	57,998	44,536
Minority Interest	-	4,193	3,685	3,499	3,340	3,294
Shareholders' Equity	104,955	98,189	78,728	66,889	61,338	47,830
Total Liabilities & Equity	-	1,573,663	1,411,884	1,235,191	1,025,618	865,226
Total Debt	243,665	348,561	364,010	331,906	216,377	157,373
Net Cash (Debt)	-142,905	-250,741	-215,460	-257,681	-172,161	-101,325
Net Cash Per Share	-136.37	-239.30	-205.62	-245.92	-164.30	-96.70
Filing Date Shares Outstanding	1,048	1,048	1,048	1,048	1,048	1,048
Total Common Shares Outstanding	1,048	1,048	1,048	1,048	1,048	1,048
Book Value Per Share	95.82	89.71	71.62	60.50	55.35	42.50
Tangible Book Value	99,766	93,627	74,902	63,227	57,867	44,428
Tangible Book Value Per Share	95.21	89.35	71.48	60.34	55.23	42.40

Source: S&P Capital IQ. Banks template. Financial Sources.