HMB posts slight half-year profit rise

MG News | August 13, 2025 at 03:30 PM GMT+05:00

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August 13, 2025 (MLN): Habib Metropolitan Bank Limited (PSX: HMB) reported a profit after taxation of Rs12.01 billion for the half-year ended June 30, 2025, marking a marginal increase of 0.36% compared to Rs11.96bn in the same period last year.

The bank has declared an interim cash dividend of Rs2.5 per share (25%), in addition to the interim cash dividend already paid at the same rate.

The bank’s basic and diluted EPS stood at Rs11.11, slightly down from Rs11.12 in the previous period, reflecting a 0.09% decrease.

Equity shareholders’ earnings remained largely stable at Rs11.64bn, while non-controlling interest rose by 17.22% to Rs370.77 million.

Net mark-up/interest income grew by 11.88% to Rs36.03bn, driven by mark-up/interest earned of Rs83.86bn, despite a 31.72% decline compared to Rs122.82bn in FY2024.

Mark-up/interest expense decreased by 47.21% to Rs47.83bn.

Non mark-up/interest income increased by 24.04% to Rs11.73bn, supported by growth in fee and commission income (14.44% to Rs5.63bn), dividend income (26.11% to Rs447.42m), foreign exchange income (22.52% to Rs4.19bn), and gains on securities (102.27% to Rs1.39bn). Other income rose 36.47% to Rs80.39m.

Operating expenses climbed by 23.07% to Rs19.89bn, including the Workers’ Welfare Fund at Rs529.99m (14.69% increase) and other charges rising sharply by 295.53% to Rs287.9m.

Total non mark-up/interest expenses increased by 24.02% to Rs20.71bn.

Profit before credit loss allowance amounted to Rs27.05bn, up 8.36% from Rs24.96bn last year.

Credit loss allowance declined by 45.74% to Rs1.12bn, resulting in profit before taxation of Rs25.93bn (13.24% growth). Taxation rose 27.32% to Rs13.92bn.

Consolidated Statement of Profit and Loss for the Half Year Ended June 30, 2025 (Rs ‘000’)
Item	Jun-25	Jun-24	Change%
Mark-up / Interest Earned	83,864,149	122,823,376	-31.72%
Mark-up / Interest Expensed	(47,834,399)	(90,618,218)	-47.21%
Net Mark-up / Interest Income	36,029,750	32,205,158	11.88%
Fee & Commission Income	5,627,476	4,917,222	14.44%
Dividend Income	447,419	354,775	26.11%
Foreign Exchange Income	4,189,757	3,419,521	22.52%
Gain on Securities - Net	1,386,767	685,585	102.27%
Net Loss on Derecognition	—	(3,602)
Other Income	80,387	58,905	36.47%
Total Non Mark-up / Interest Income	11,731,806	9,458,406	24.04%
Operating Expenses	19,894,043	16,165,380	23.07%
Workers' Welfare Fund	529,989	462,088	14.69%
Other Charges	287,897	72,788	295.53%
Total Non Mark-up / Interest Expenses	(20,711,929)	(16,700,256)	24.02%
Profit Before Credit Loss Allowance	27,049,627	24,963,308	8.36%
Credit Loss Allowance (Net)	(1,120,280)	(2,064,630)	-45.74%
Profit Before Taxation	25,929,347	22,898,678	13.24%
Taxation	(13,921,802)	(10,934,501)	27.32%
Profit After Taxation	12,007,545	11,964,177	0.36%
Equity Shareholders	11,636,778	11,647,884	-0.10%
Non-controlling Interest	370,767	316,293	17.22%
EPS (Basic & Diluted)	11.11	11.12	-0.09%

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