HMB Habib Metropolitan Bank Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 95.89 -0.96%
Financials
Habib Metropolitan Bank Limited (HMB) financials
20 years of annual results (FY2006 – FY2025), 80 quarters.
Habib Metropolitan Bank Limited (HMB) reported total income of Rs 91.8 bn for FY2025 (Jan – Dec 2025), down 1.9% from FY2024.
Profit attributable to shareholders was Rs 22.7 bn (EPS Rs 21.63), down 9.1%.
It declared a dividend of Rs 12.00 per share for FY2025 and has paid a dividend in each of the last 15 years.
Deposits stood at Rs 1.12 tn and net advances at Rs 489.0 bn, an advances-to-deposits ratio of 43.7%.
Return on equity was 18.5%.
Over the last five years total income grew at a compound 18.6% a year.
At Rs 95.89 (close on 16 Oct 2026) the shares trade at 5.0× earnings (TTM to Jun 2026) and 0.80× book value, with a dividend yield of 12.5%.
Fundamentals
HMB at a glance
Total income · FY2025
Rs 91.8 bn
▼ 1.9% year on year
Profit attributable to shareholders · FY2025
Rs 22.7 bn
▼ 9.1% year on year
EPS – basic (Rs) · FY2025
Rs 21.63
▼ 9.1% year on year
Dividend per share (Rs) · FY2025
Rs 12.00
▲ 0.0% year on year
Deposits · FY2025
Rs 1.12 tn
▲ 20.9% year on year
Return on equity (ROE) · FY2025
18.5%
-5.2 pts year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Total income · FY2025
- Rs 91.8 bn
- Profit attributable · FY2025
- Rs 22.7 bn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 1.69 tn
- Equity · FY2025
- Rs 128.9 bn
Financial highlights
HMB financial results
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 * Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net interest income | 69.1 | 73.2 | 73.9 | 42.0 | 30.3 | 29.6 | 18.1 | 16.8 | 14.7 | 11.9 |
| Total non-interest income | 22.7 | 20.3 | 14.5 | 12.9 | 10.6 | 9.5 | 7.3 | 5.4 | 5.1 | 8.5 |
| Total income | 91.8 | 93.6 | 88.4 | 54.9 | 40.9 | 39.1 | 25.3 | 22.2 | 19.8 | 20.4 |
| Operating expenses | (42.7) | (39.6) | (35.2) | (26.3) | (19.2) | (18.5) | (13.7) | (12.0) | (9.9) | (10.0) |
| Provisions & impairment (loans) | 1.7 | 4.3 | 5.0 | 3.5 | 2.2 | 3.2 | 0.4 | 0.3 | (0.3) | 0.8 |
| Profit before tax | 50.0 | 54.1 | 53.1 | 28.5 | 22.0 | 20.4 | 11.6 | 10.3 | 9.5 | 10.3 |
| Profit attributable to shareholders | 22.7 | 24.9 | 24.6 | 14.4 | 13.5 | 12.1 | 6.6 | 6.2 | 5.7 | 6.1 |
| EPS – basic (Rs) Rs | 21.63 | 23.80 | 23.44 | 13.72 | 12.90 | 11.50 | 6.34 | 5.90 | 5.41 | 5.85 |
| Dividend per share (Rs) Rs | 12.00 | 12.00 | 10.50 | 5.25 | 5.00 | 4.50 | 2.50 | 2.00 | 3.00 | 3.00 |
| Advances (net) | 489.0 | 443.5 | 386.9 | 397.2 | 352.2 | 277.5 | 237.1 | 199.0 | 149.4 | 136.0 |
| Deposits | 1,118.3 | 925.2 | 1,012.7 | 880.9 | 801.7 | 681.7 | 612.7 | 543.5 | 508.0 | 430.6 |
| Total assets | 1,691.7 | 1,525.6 | 1,573.7 | 1,411.9 | 1,235.2 | 1,025.6 | 865.0 | 678.8 | 667.2 | 526.4 |
| Equity attributable to shareholders | 128.9 | 116.0 | 94.0 | 75.0 | 63.4 | 58.0 | 44.5 | 37.2 | 40.7 | 39.7 |
| 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 interest income | 64.0 | 15.2 | 16.2 | 16.0 | 16.6 | 18.1 | 18.3 | 21.2 | 20.3 |
| Total non-interest income | 23.3 | 5.4 | 6.1 | 6.4 | 5.5 | 5.7 | 5.1 | 6.0 | 5.3 |
| Total income | 87.3 | 20.6 | 22.3 | 22.4 | 22.0 | 23.9 | 23.5 | 27.2 | 25.5 |
| Operating expenses | (43.8) | (11.9) | (11.0) | (10.7) | (10.2) | (11.5) | (10.2) | (11.1) | (10.6) |
| Provisions & impairment (loans) | 0.9 | 0.3 | (0.0) | 0.5 | 0.1 | 0.5 | 0.6 | 1.1 | 1.0 |
| Profit before tax | 44.1 | 9.4 | 10.6 | 11.6 | 12.4 | 12.7 | 13.3 | 16.1 | 15.1 |
| Profit attributable to shareholders | 20.3 | 4.3 | 4.9 | 5.4 | 5.6 | 5.6 | 6.1 | 5.8 | 7.5 |
| EPS – basic (Rs) Rs | 19.35 | 4.14 | 4.69 | 5.19 | 5.34 | 5.30 | 5.80 | 5.57 | 7.13 |
| Dividend per share (Rs) Rs | 12.00 | 2.50 | 2.50 | 4.50 | 2.50 | 2.50 | 2.50 | 4.50 | 2.50 |
| Advances (net) | 517.8 | 517.8 | 563.8 | 489.0 | 443.5 | 457.6 | 628.1 | 443.5 | 444.4 |
| Deposits | 1,242.3 | 1,242.3 | 1,188.2 | 1,118.3 | 1,037.4 | 1,061.1 | 1,009.6 | 925.2 | 1,045.3 |
| Total assets | 1,852.4 | 1,852.4 | 1,792.2 | 1,691.7 | 1,680.6 | 1,604.2 | 1,614.6 | 1,525.6 | 1,688.5 |
| Equity attributable to shareholders | 126.3 | 126.3 | 122.3 | 128.9 | 124.4 | 121.3 | 115.9 | 116.0 | 111.8 |
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets. Free cash flow and book value per share are calculated by Smart Money; TTM = the latest four quarters. Updated 16 Oct 2026.