HMB Habib Metropolitan Bank Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 96.16 -0.68%
Annual · FY2006 – FY2025
Habib Metropolitan Bank Limited (HMB) cash flow statement
Operating activities generated Rs 139.6 bn of cash in FY2025 (Jan – Dec 2025). Capital expenditure was Rs 3.8 bn. Dividends paid to shareholders came to Rs 12.8 bn. Overall, cash increased by Rs 7.5 bn.
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 |
|---|---|---|---|---|---|
| Net cash from operating activities | 139.6 | (187.8) | 264.9 | 29.2 | 10.9 |
| Capital expenditure | (3.8) | (4.4) | (3.2) | (3.0) | (3.0) |
| Net cash from investing activities | (63.3) | 169.5 | (199.1) | (63.3) | (91.9) |
| Dividends paid | (12.8) | (13.7) | (9.9) | (4.4) | (4.9) |
| Net cash from financing activities | (68.8) | (6.7) | (30.2) | 23.8 | 114.9 |
| Net change in cash | 7.5 | (25.0) | 35.6 | (10.3) | 33.9 |
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 |
|---|---|---|---|---|---|
| Net cash from operating activities | — | -170.9% | +808.3% | +166.7% | -82.0% |
| Capital expenditure | -12.9% | +36.6% | +4.9% | +1.2% | +96.8% |
| Net cash from investing activities | -137.4% | — | — | — | — |
| Dividends paid | -6.8% | +39.1% | +123.3% | -10.7% | -0.0% |
| Net cash from financing activities | — | — | -226.8% | -79.3% | +113.4% |
| Net change in cash | — | -170.3% | — | -130.3% | — |
Change against the previous fiscal year; shown when the earlier figure is positive.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.
All reported line items 63
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 |
|---|---|---|---|---|---|
| Profit/(Loss) - Starting Line - Cash Flow | 50.0 | 54.1 | 53.1 | 28.5 | 22.0 |
| Non-cash Items & Reconciliation Adjustments - Cash Flow | (61.9) | (64.4) | 10.2 | 7.8 | 5.0 |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | (67.4) | (72.0) | 1.5 | 1.1 | 0.8 |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 4.8 | 4.3 | 3.6 | 2.9 | 2.4 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 4.5 | 4.0 | 3.5 | 2.9 | 2.3 |
| Amortization - Intangible Assets & Deferred Charges - Cash Flow - to Reconcile | 0.3 | 0.3 | 0.1 | 0.1 | 0.1 |
| Loan Loss Provision including Impairment - Increase/(Decrease) - Cash Flow | 1.8 | 4.3 | 5.2 | 3.8 | 2.1 |
| Impairment - Financial Fixed Assets - Operating - Cash Flow - to Reconcile | (0.0) | 0.3 | — | — | — |
| Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile | (0.1) | (0.1) | (0.0) | (0.1) | (0.3) |
| Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow | (0.1) | (0.1) | (0.0) | (0.1) | (0.3) |
| Financial Assets - Unrealized Gain/(Loss) - Cash Flow - to Reconcile | (0.9) | (1.2) | — | — | — |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 39.5 | 34.7 | 25.2 | 11.5 | 8.2 |
| Interest Paid - Cash | 96.5 | 171.1 | — | — | — |
| Interest & Dividends - Received - Total - Cash Flow | 165.9 | 250.1 | 0.7 | 0.3 | 0.2 |
| Cash Flow from Operating Activities before Changes in Working Capital | 18.0 | 34.0 | 38.8 | 25.1 | 19.0 |
| Working Capital - Increase/(Decrease) - Cash Flow | 121.6 | (221.8) | 226.1 | 4.1 | (8.1) |
| Other Assets - Decrease/(Increase) - Cash Flow | 3.6 | (48.2) | (12.2) | (11.8) | (3.5) |
| Lending & Deposits - Due from Banks - Long-Term - Decrease/(Increase) - Cash Flow | (40.4) | (0.1) | 70.8 | (72.4) | (2.9) |
| Loans - Customer - Decrease/(Increase) - Cash Flow | (51.2) | (72.2) | 12.7 | (43.3) | (92.4) |
| Other Liabilities - Increase/(Decrease) -Total - Cash Flow | 16.6 | (15.1) | 22.9 | 23.6 | (0.5) |
| Deposits - Increase/(Decrease) - Total - Cash Flow | 193.1 | (86.3) | 131.8 | 108.0 | 91.3 |
| Net Cash Flow from Operating Activities | 139.6 | (187.8) | 264.9 | 29.2 | 10.9 |
| Capital Expenditures - Net - Cash Flow | 3.5 | 4.0 | 3.1 | 3.0 | 3.0 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 3.2 | 3.6 | 2.8 | 2.9 | 2.9 |
| Property, Plant & Equipment - Purchased - Cash Flow | 3.5 | 3.9 | 2.8 | 3.0 | 2.9 |
| Property, Plant & Equipment Sold - Cash Flow | 0.3 | 0.3 | 0.1 | 0.1 | 0.0 |
| Intangible Assets - Purchased/(Sold) - Net - Total - Cash Flow | 0.3 | 0.4 | 0.4 | 0.1 | 0.1 |
| Intangible Assets - Purchased/Acquired - Cash Flow | 0.3 | 0.4 | 0.4 | 0.1 | 0.1 |
| Capital Expenditures - Total | 3.8 | 4.4 | 3.2 | 3.0 | 3.0 |
| Acquisition & Disposals of Business - Assets - Sold/(Acquired) - Net - Cash Flow | — | — | — | — | — |
| Acquisition of Business - Cash Flow | — | — | — | — | — |
| Business - Sold - Cash Flow | — | — | — | — | — |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | (59.8) | 173.5 | (196.0) | (60.3) | (89.7) |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | (59.8) | 173.5 | (196.0) | (60.3) | (89.7) |
| Other Investing Cash Flow - Decrease/(Increase) | (0.0) | 0.0 | 0.0 | 0.0 | 0.8 |
| Net Cash Flow from Investing Activities | (63.3) | 169.5 | (199.1) | (63.3) | (91.9) |
| Dividends Paid - Cash - Total - Cash Flow | 12.8 | 13.7 | 9.9 | 4.4 | 4.9 |
| Dividends - Common - Cash Paid | 12.8 | 13.7 | 9.9 | 4.4 | 4.9 |
| Stock - Total - Issuance/(Retirement) - Net - Cash Flow | — | — | — | — | — |
| Stock - Issuance/(Retirement) - Net - Excluding Options/Warrants - Cash Flow | — | — | — | — | — |
| Stock - Common - Issuance/(Retirement) - Net - Cash Flow | — | — | — | — | — |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | (56.1) | 7.0 | (20.3) | 28.2 | 119.8 |
| Debt - Issued/(Reduced) - Long-Term & Short-Term - Cash Flow | (53.5) | 9.3 | (18.3) | 29.9 | 121.3 |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (2.5) | (2.3) | (2.0) | (1.7) | (1.4) |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (2.5) | (2.3) | (2.0) | (1.7) | (1.4) |
| Debt - Reduced - Long-Term - Cash Flow | 2.5 | 2.3 | 2.0 | 1.7 | 1.4 |
| Lease liabilities - Reduced - Cash flow represents cash outflow due to the repayment of lease liability/debt of the company. It includes finance leases, capitalized lease, and hire-purchase agreement. Applicable to all industries. If Lease liability issue | 2.5 | 2.3 | 2.0 | 1.7 | 1.4 |
| Net Cash Flow from Financing Activities | (68.8) | (6.7) | (30.2) | 23.8 | 114.9 |
| Foreign Exchange Effects - Cash Flow | — | — | — | — | — |
| Net Change in Cash - Total | 7.5 | (25.0) | 35.6 | (10.3) | 33.9 |
| Net Cash from Continuing Operations | 7.5 | (25.0) | 35.6 | (10.3) | 33.9 |
| Net Cash - Beginning Balance | 86.9 | 111.8 | 76.3 | 86.6 | 52.6 |
| Net Cash - Ending Balance | 94.3 | 86.9 | 111.8 | 76.3 | 86.6 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 39.5 | 34.7 | 25.2 | 11.5 | 8.2 |
| Interest Paid - Cash Flow - Supplemental | 96.5 | 171.1 | — | — | — |
| Interest & Dividends - Received - Cash Flow - Supplemental | 165.9 | 250.1 | 0.7 | 0.3 | 0.2 |
| CF from Optg Activities before Change in WC & Int Payments | 114.5 | 205.1 | 38.8 | 25.1 | 19.0 |
| Cash Dividends Paid & Common Stock Buyback - Net | — | — | — | — | — |
| Common Stock Buyback - Net | — | — | — | — | — |
| Depreciation, Depletion & Amortization - Cash Flow | 4.8 | 4.3 | 3.6 | 2.9 | 2.4 |
| Free Cash Flow to Equity | 80.1 | (184.8) | 241.4 | 54.4 | 127.8 |
| Free Cash Flow Net of Dividends | 123.0 | (205.8) | 251.9 | 21.7 | 3.0 |
| Free Cash Flow | 135.8 | (192.1) | 261.7 | 26.1 | 7.9 |
Every line the company reported, in the original order and wording, without regrouping or signs changed.