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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	223,921	241,204	209,337	135,178	74,359	77,121
Interest Income on Investments	837.46	775.46	657.87	328.56	161.29	191.83
Total Interest Income	224,758	241,980	209,995	135,506	74,520	77,313
Interest Paid on Deposits	150,200	168,758	136,139	93,512	44,200	47,698
Net Interest Income	74,558	73,221	73,855	41,994	30,320	29,616
Net Interest Income Growth (YoY)	-2.78%	-0.86%	75.87%	38.50%	2.38%	63.90%
Gain (Loss) on Sale of Assets	168.21	135.04	75	143.45	278.18	34.71
Gain (Loss) on Sale of Investments	2,995	2,477	-5.27	-63.64	102.03	-44.34
Other Non-Interest Income	19,138	18,043	14,694	13,152	10,692	9,535
Total Non-Interest Income	22,301	20,655	14,764	13,232	11,072	9,525
Non-Interest Income Growth (YoY)	54.34%	39.90%	11.58%	19.50%	16.24%	30.33%
Revenues Before Loan Losses	96,860	93,876	88,619	55,226	41,392	39,141
Provision for Loan Losses	4,130	4,343	5,102	3,760	2,052	3,621
Revenue	92,730	89,533	83,517	51,466	39,340	35,520
Revenue Growth (YoY)	7.58%	7.20%	62.28%	30.82%	10.76%	42.32%
Salaries and Employee Benefits	1,202	1,179	1,123	601.26	323.46	463.45
Selling, General & Administrative	2,772	2,776	2,271	1,639	1,070	848.25
Other Non-Interest Expense	33,290	31,474	27,000	20,757	15,959	13,782
Total Non-Interest Expense	37,263	35,429	30,393	22,997	17,352	15,093
EBT Excluding Unusual Items	55,466	54,104	53,124	28,469	21,988	20,427
Other Unusual Items	-	-	-	-	-	-40.53
Pretax Income	55,466	54,104	53,124	28,469	21,988	20,386
Income Tax Expense	29,581	28,339	27,888	13,545	8,126	8,051
Earnings From Continuing Operations	25,885	25,765	25,236	14,924	13,862	12,335
Minority Interest in Earnings	-817.79	-822.09	-679.39	-550.62	-344.56	-282.38
Net Income	25,068	24,943	24,557	14,374	13,518	12,053
Net Income to Common	25,068	24,943	24,557	14,374	13,518	12,053
Net Income Growth	1.24%	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)	23.92	23.80	23.44	13.72	12.90	11.50
EPS (Diluted)	23.92	23.80	23.44	13.72	12.90	11.50
EPS Growth	1.24%	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	-7.69%	14.29%	100.00%	5.00%	11.11%	80.00%
Effective Tax Rate	53.33%	52.38%	52.50%	47.58%	36.95%	39.49%

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