Habib Metropolitan Bank Limited (PSX:HMB)

Heartland Financial USA Cash Flow 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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	25,068	24,943	24,557	14,374	13,518	12,053
Depreciation & Amortization	4,163	4,042	3,465	2,858	2,307	1,916
Other Amortization	287.33	260.63	132.83	83.59	71.25	59.63
Gain (Loss) on Sale of Assets	-140.61	-135.04	-36.35	-56.14	-253.39	-23.01
Gain (Loss) on Sale of Investments	-1,049	-869.11	60.43	236.23	-1.11	173.31
Total Asset Writedown	-	-	-	0.73	165	251.7
Provision for Credit Losses	4,228	4,327	5,120	3,606	2,251	3,213
Change in Trading Asset Securities	-41,965	-39,218	-	-	-	-
Change in Other Net Operating Assets	-112,267	-86,989	75,999	-73,997	21,932	30,176
Other Operating Activities	-13,034	693.46	4,829	3,653	787.2	3,267
Operating Cash Flow	-134,710	-92,945	114,127	-49,241	40,776	51,087
Operating Cash Flow Growth	-	-	-	-	-20.18%	-10.46%
Capital Expenditures	-3,407	-3,924	-2,836	-2,986	-2,907	-1,447
Sale of Property, Plant and Equipment	329.29	324.87	60.85	89.33	819.79	31.32
Investment in Securities	202,118	173,530	-196,008	-60,322	-89,730	-129,812
Purchase / Sale of Intangibles	-387.61	-444.37	-360.76	-60.81	-103.11	-82.59
Other Investing Activities	832.87	769.67	663.01	340.41	158.1	189.31
Investing Cash Flow	199,486	170,256	-198,481	-62,940	-91,763	-131,121
Long-Term Debt Repaid	-	-2,332	-2,043	-1,690	-1,415	-993.03
Net Debt Issued (Repaid)	-2,457	-2,332	-2,043	-1,690	-1,415	-993.03
Common Dividends Paid	-12,753	-13,717	-9,864	-4,417	-4,947	-4,949
Net Increase (Decrease) in Deposit Accounts	-75,246	-86,258	131,833	108,003	91,259	69,131
Financing Cash Flow	-90,455	-102,307	119,927	101,896	84,897	63,188
Net Cash Flow	-25,679	-24,996	35,572	-10,284	33,910	-16,846
Free Cash Flow	-138,116	-96,869	111,290	-52,227	37,869	49,640
Free Cash Flow Growth	-	-	-	-	-23.71%	-10.63%
Free Cash Flow Margin	-148.94%	-108.19%	133.25%	-101.48%	96.26%	139.75%
Free Cash Flow Per Share	-131.81	-92.45	106.21	-49.84	36.14	47.37
Cash Interest Paid	197,394	171,058	-	-	-	-
Cash Income Tax Paid	37,984	34,743	25,222	11,528	8,164	5,926

Updated Feb 19, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.