Habib Metro Bank Financial Statements

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University)

Ticker's HMB on the PSX, ISIN PK0055401019. The audited numbers for the year ended 31 December 2025: PKR 49.0 billion profit before tax, deposits up 20.8% to PKR 1,119.6 billion. Q1 2026 (through end-March) added another PKR 10.2 billion in profit before tax. And in June 2026 PACRA bumped the long-term rating up to "AAA" — the first change in 25 years, having sat at "AA+" since 2001.

FY2025 Audited Results (Year Ended 31 Dec 2025)

Dividend-wise, the Board proposed a final Rs. 4.50 per share (45%) on top of the Rs. 7.50 per share (75%) already paid out as interim through the year — Rs. 12.00 per share total for FY2025.

Figures confirmed from HabibMetro’s audited (unconsolidated) Annual Report for the year ended 31 December 2025, signed by the Board on 12 February 2026.

Q1 2026 Results (Quarter Ended 31 March 2026)

Deposits kept climbing — another 6.2% in Q1 2026 alone, taking the total to PKR 1,188.8 billion by end-March, with current deposits making up over a third of that (36.4%). Profit was down year-on-year though, both before and after tax, which fits the margin squeeze the whole sector's been dealing with as rates came down through 2025 and into 2026.

Figures confirmed from HabibMetro’s condensed interim (unconsolidated) financial statements for the quarter ended 31 March 2026.

Six-Year Trend

Six-year summary reproduced from the "Key Operating and Financial Data" table in HabibMetro’s FY2025 audited Annual Report.

Capital Position and the AAA Upgrade

A 17.0% capital adequacy ratio for FY2025 — well clear of what SBP requires — and it's all organic, built on retained earnings with zero subordinated debt (TFCs) padding the number out. That's a genuinely different capital structure from several of its rated peers, and it's what got PACRA to move the long-term rating from "AA+" to "AAA" in June 2026, closing out 25 straight years at "AA+" since the rating was first assigned in 2001. One thing worth flagging: the FY2025 annual report itself, signed off in February 2026, still shows the old "AA+/A1+" rating — the PACRA upgrade landed months after the report was finalized. "AAA/A1+" is the rating that actually applies today.

Auditor, Registrar, and Group Companies

KPMG Taseer Hadi & Co. holds the audit mandate, reappointed through year-end 2026. Share registrar duties sit with CDC Share Registrar Services Limited in Karachi. Beyond the bank itself, the wider group includes two wholly owned subsidiaries — Habib Metropolitan Financial Services (equity brokerage) and HABIBMETRO Exchange Services — plus Habib Metropolitan Modaraba Management Company (also wholly owned), which in turn manages First Habib Modaraba, a listed entity in which HabibMetro itself holds a 4.43% direct stake. All are separate legal entities, each filing its own numbers.

Common Questions

Official Sources & Last Verified

Every figure, product detail, and claim on this page traces back to HabibMetro's own official disclosures, re-checked at the time this page was last updated, August 2026. Bank terms, rates, and features do change; if you find something here that no longer matches habibmetro.com, that's worth telling us, and we'll correct it.

Primary sources: audited Annual Report. Last verified August 2026.

Good For

• Checking HabibMetro’s latest deposit growth and profitability before investing
• Understanding the June 2026 PACRA rating upgrade to AAA
• Comparing HMB’s capital adequacy ratio to sector norms
• Finding official sources instead of aggregator estimates

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For independent verification, see State Bank of Pakistan, Pakistan Stock Exchange, Habib Bank AG Zurich.