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%
Quarterly · Q3 FY2021 – Q2 FY2026
Habib Metropolitan Bank Limited (HMB) quarterly cash flow statement
Operating activities generated Rs 136.9 bn of cash in Q2 FY2026 (Apr – Jun 2026), down 21.9% on Q2 FY2025. Capital expenditure was Rs 1.4 bn. Dividends paid to shareholders came to Rs 2.6 bn. Overall, cash increased by Rs 9.9 bn.
| Rs bn | TTM to Jun 2026 | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | 151.5 | 136.9 | (4.1) | 56.3 | (37.7) | 175.4 | (54.4) | (129.9) | (106.7) |
| Capital expenditure | (4.3) | (1.4) | (0.9) | (1.2) | (0.9) | (1.1) | (0.6) | (0.7) | (1.4) |
| Net cash from investing activities | (159.5) | (84.1) | (48.6) | 11.9 | (38.7) | (91.7) | 55.2 | 140.6 | (33.8) |
| Dividends paid | (12.8) | (2.6) | (4.8) | (3.0) | (2.4) | (2.6) | (4.8) | (2.8) | (2.6) |
| Net cash from financing activities | 6.9 | (43.0) | 42.8 | (81.5) | 88.6 | (74.9) | (1.0) | (19.5) | 127.1 |
| Net change in cash | (1.1) | 9.9 | (9.9) | (13.3) | 12.2 | 8.8 | (0.3) | (8.7) | (13.3) |
| Rs mn | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | -21.9% | — | — | — | +884.9% | -275.6% | -216.7% | — |
| Capital expenditure | +23.2% | +40.9% | +72.5% | -37.0% | -11.7% | -48.4% | -12.1% | +84.1% |
| Net cash from investing activities | — | -188.1% | -91.5% | — | -350.4% | +112.2% | — | — |
| Dividends paid | -0.6% | +0.4% | +6.5% | -8.9% | +2.7% | -16.7% | +1,412.4% | -50.7% |
| Net cash from financing activities | — | — | — | -30.3% | — | — | -115.4% | +2,679.4% |
| Net change in cash | +11.6% | — | — | — | — | -175.1% | -498.4% | — |
Change against the same quarter a year earlier; shown when the earlier figure is positive.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. TTM = the latest four quarters added together. Updated 16 Oct 2026.
All reported line items 58
| Rs bn | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 |
|---|---|---|---|---|---|---|---|---|
| Profit/(Loss) - Starting Line - Cash Flow | 9.4 | 10.6 | 11.6 | 12.4 | 12.7 | 13.3 | 16.1 | 15.1 |
| Non-cash Items & Reconciliation Adjustments - Cash Flow | (13.7) | (14.3) | (13.8) | (15.5) | (16.4) | (16.2) | (19.8) | (17.3) |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | (14.8) | (15.9) | (15.4) | (16.2) | (17.8) | (18.1) | (21.9) | (19.6) |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 1.4 | 1.3 | 1.3 | 1.2 | 1.2 | 1.1 | 1.2 | 1.3 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 1.3 | 1.2 | 1.2 | 1.2 | 1.1 | 1.1 | 1.1 | 1.3 |
| Amortization - Intangible Assets & Deferred Charges - Cash Flow - to Reconcile | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan Loss Provision including Impairment - Increase/(Decrease) - Cash Flow | 0.3 | (0.3) | 0.4 | 0.1 | 0.6 | 0.8 | 1.1 | 1.1 |
| Impairment - Financial Fixed Assets - Operating - Cash Flow - to Reconcile | — | — | (0.0) | — | — | — | 0.3 | — |
| Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.1) | 0.0 |
| Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.1) | 0.0 |
| Financial Assets - Unrealized Gain/(Loss) - Cash Flow - to Reconcile | (0.5) | 0.7 | (0.0) | (0.6) | (0.3) | 0.0 | (0.4) | (0.1) |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 6.8 | 5.3 | 11.7 | 7.2 | 9.6 | 11.1 | 13.7 | 6.6 |
| Interest Paid - Cash | 22.9 | 25.3 | 20.3 | 25.3 | 24.6 | 26.3 | 36.0 | 47.0 |
| Interest & Dividends - Received - Total - Cash Flow | 50.7 | 34.5 | 46.5 | 35.0 | 51.3 | 33.2 | 71.9 | 60.1 |
| Cash Flow from Operating Activities before Changes in Working Capital | 16.7 | 0.2 | 12.4 | (0.6) | 13.4 | (7.2) | 18.7 | 4.3 |
| Working Capital - Increase/(Decrease) - Cash Flow | 120.2 | (4.3) | 44.0 | (37.1) | 162.0 | (47.2) | (148.5) | (111.0) |
| Other Assets - Decrease/(Increase) - Cash Flow | 8.5 | (43.7) | 6.1 | (0.1) | (1.6) | (0.8) | (31.4) | (1.8) |
| Lending & Deposits - Due from Banks - Long-Term - Decrease/(Increase) - Cash Flow | 39.2 | (7.7) | (0.6) | (34.1) | (7.0) | 1.4 | 25.4 | (26.0) |
| Investment Securities - Decrease/(Increase) - Operating - Cash Flow | — | — | — | — | — | — | — | — |
| Loans - Customer - Decrease/(Increase) - Cash Flow | (8.0) | (12.8) | (42.7) | 14.7 | 106.3 | (129.5) | 1.9 | (49.9) |
| Other Liabilities - Increase/(Decrease) -Total - Cash Flow | 26.4 | (10.0) | 0.2 | 6.2 | 12.8 | (2.6) | (25.6) | 20.0 |
| Deposits - Increase/(Decrease) - Total - Cash Flow | 54.1 | 69.9 | 80.9 | (23.7) | 51.5 | 84.4 | (118.8) | (53.3) |
| Net Cash Flow from Operating Activities | 136.9 | (4.1) | 56.3 | (37.7) | 175.4 | (54.4) | (129.9) | (106.7) |
| Capital Expenditures - Net - Cash Flow | 1.3 | 0.9 | 1.1 | 0.8 | 1.0 | 0.6 | 0.4 | 1.3 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 1.2 | 0.8 | 1.0 | 0.7 | 0.9 | 0.6 | 0.4 | 1.4 |
| Property, Plant & Equipment - Purchased - Cash Flow | 1.2 | 0.8 | 1.1 | 0.8 | 1.0 | 0.6 | 0.6 | 1.4 |
| Property, Plant & Equipment Sold - Cash Flow | 0.1 | 0.0 | 0.1 | 0.1 | 0.1 | 0.0 | 0.3 | 0.0 |
| Intangible Assets - Purchased/(Sold) - Net - Total - Cash Flow | 0.1 | 0.0 | 0.1 | 0.1 | 0.1 | 0.0 | 0.1 | (0.0) |
| Intangible Assets - Purchased/Acquired - Cash Flow | 0.1 | 0.0 | 0.1 | 0.1 | 0.1 | 0.0 | 0.1 | — |
| Intangible Assets - Net - Cash Flow | — | — | — | — | — | — | — | (0.0) |
| Capital Expenditures - Total | 1.4 | 0.9 | 1.2 | 0.9 | 1.1 | 0.6 | 0.7 | 1.4 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | (82.8) | (47.8) | 13.0 | (37.9) | (90.7) | 55.7 | 141.1 | (32.4) |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | (82.8) | (47.8) | 13.0 | (37.9) | (90.7) | 55.7 | 141.1 | (32.4) |
| Other Investing Cash Flow - Decrease/(Increase) | (0.0) | (0.0) | (0.0) | (0.0) | 0.0 | 0.0 | 0.0 | (0.0) |
| Net Cash Flow from Investing Activities | (84.1) | (48.6) | 11.9 | (38.7) | (91.7) | 55.2 | 140.6 | (33.8) |
| Dividends Paid - Cash - Total - Cash Flow | 2.6 | 4.8 | 3.0 | 2.4 | 2.6 | 4.8 | 2.8 | 2.6 |
| Dividends - Common - Cash Paid | 2.6 | 4.8 | 3.0 | 2.4 | 2.6 | 4.8 | 2.8 | 2.6 |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | (40.3) | 47.6 | (78.5) | 91.0 | (72.2) | 3.8 | (16.7) | 129.7 |
| Debt - Issued/(Reduced) - Long-Term & Short-Term - Cash Flow | (39.6) | 48.3 | (77.9) | 91.6 | (71.6) | 4.4 | (16.1) | 130.2 |
| Debt - Issued/(Reduced) - Short-Term - Total - Cash Flow | — | 0.0 | — | — | — | — | — | — |
| Debt - Issued - Short-Term - Cash Flow | — | 0.0 | — | — | — | — | — | — |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (0.8) | (0.7) | (0.6) | (0.7) | (0.6) | (0.6) | (0.6) | (0.6) |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (0.8) | (0.7) | (0.6) | (0.7) | (0.6) | (0.6) | (0.6) | (0.6) |
| Debt - Reduced - Long-Term - Cash Flow | 0.8 | 0.7 | 0.6 | 0.7 | 0.6 | 0.6 | 0.6 | 0.6 |
| 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 | 0.8 | 0.7 | 0.6 | 0.7 | 0.6 | 0.6 | 0.6 | 0.6 |
| Net Cash Flow from Financing Activities | (43.0) | 42.8 | (81.5) | 88.6 | (74.9) | (1.0) | (19.5) | 127.1 |
| Net Change in Cash - Total | 9.9 | (9.9) | (13.3) | 12.2 | 8.8 | (0.3) | (8.7) | (13.3) |
| Net Cash from Continuing Operations | 9.9 | (9.9) | (13.3) | 12.2 | 8.8 | (0.3) | (8.7) | (13.3) |
| Net Cash - Beginning Balance | 84.4 | 94.3 | 107.6 | 95.4 | 86.6 | 86.9 | 95.6 | 108.9 |
| Net Cash - Ending Balance | 94.3 | 84.4 | 94.3 | 107.6 | 95.4 | 86.6 | 86.9 | 95.6 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 6.8 | 5.3 | 11.7 | 7.2 | 9.6 | 11.1 | 13.7 | 6.6 |
| Interest Paid - Cash Flow - Supplemental | 22.9 | 25.3 | 20.3 | 25.3 | 24.6 | 26.3 | 36.0 | 47.0 |
| Interest & Dividends - Received - Cash Flow - Supplemental | 50.7 | 34.5 | 46.5 | 35.0 | 51.3 | 33.2 | 71.9 | 60.1 |
| CF from Optg Activities before Change in WC & Int Payments | 39.6 | 25.6 | 32.6 | 24.7 | 38.0 | 19.2 | 54.7 | 51.3 |
| Depreciation, Depletion & Amortization - Cash Flow | 1.4 | 1.3 | 1.3 | 1.2 | 1.2 | 1.1 | 1.2 | 1.3 |
| Free Cash Flow to Equity | 95.2 | 42.7 | (23.3) | 52.5 | 102.2 | (51.2) | (147.0) | 21.6 |
| Free Cash Flow Net of Dividends | 132.9 | (9.8) | 52.1 | (40.9) | 171.6 | (59.8) | (133.4) | (110.7) |
| Free Cash Flow | 135.5 | (4.9) | 55.1 | (38.6) | 174.3 | (55.0) | (130.6) | (108.1) |
Every line the company reported, in the original order and wording, without regrouping or signs changed.