Habib Metropolitan Bank Cash Flow 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
Net Income	22,663	24,943	24,557	14,374	13,518
Depreciation & Amortization	4,519	4,042	3,465	2,858	2,307
Other Amortization	305.27	260.63	132.83	83.59	71.25
Gain (Loss) on Sale of Assets	-109.1	-135.04	-36.35	-56.14	-253.39
Gain (Loss) on Sale of Investments	-915.37	-869.11	60.43	236.23	-1.11
Total Asset Writedown	-	-	-	0.73	165
Provision for Credit Losses	1,773	4,327	5,120	3,606	2,251
Change in Trading Asset Securities	12,892	-39,218	-	-	-
Change in Other Net Operating Assets	-137,854	-86,989	75,999	-73,997	21,932
Other Operating Activities	-11,189	693.46	4,829	3,653	787.2
Operating Cash Flow	-107,914	-92,945	114,127	-49,241	40,776
Operating Cash Flow Growth	-	-	-	-	-20.18%
Capital Expenditures	-3,549	-3,924	-2,836	-2,986	-2,907
Sale of Property, Plant and Equipment	314.34	324.87	60.85	89.33	819.79
Investment in Securities	-59,814	173,530	-196,008	-60,322	-89,730
Purchase / Sale of Intangibles	-256.41	-444.37	-360.76	-60.81	-103.11
Other Investing Activities	955.19	769.67	663.01	340.41	158.1
Investing Cash Flow	-62,351	170,256	-198,481	-62,940	-91,763
Long-Term Debt Repaid	-2,533	-2,332	-2,043	-1,690	-1,415
Net Debt Issued (Repaid)	-2,533	-2,332	-2,043	-1,690	-1,415
Common Dividends Paid	-12,778	-13,717	-9,864	-4,417	-4,947
Net Increase (Decrease) in Deposit Accounts	193,059	-86,258	131,833	108,003	91,259
Financing Cash Flow	177,749	-102,307	119,927	101,896	84,897
Net Cash Flow	7,484	-24,996	35,572	-10,284	33,910
Free Cash Flow	-111,463	-96,869	111,290	-52,227	37,869
Free Cash Flow Growth	-	-	-	-	-23.71%
Free Cash Flow Margin	-122.69%	-108.19%	133.25%	-101.48%	96.26%
Free Cash Flow Per Share	-106.38	-92.45	106.21	-49.84	36.14
Cash Interest Paid	96,538	171,058	-	-	-
Cash Income Tax Paid	39,495	34,743	25,222	11,528	8,164

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