Banking Project

Submitted To: Sumaira Sajjad

Presented By:

Ayeza Abrar Shaikh

Fajar Sajjad

Hamayal Azhar

Humza Butt

Mohammad Zaair Khan

Moiz Atif

1
Table of Contents
Introduction...............................................................................................................................................4
Vision Statement........................................................................................................................................5
Mission.......................................................................................................................................................5
Services.......................................................................................................................................................5
Habibmetro Home Remittance................................................................................................................5
Habibmetro Money Gram International...................................................................................................6
Habibmetro Cash Management Services.................................................................................................6
Habibmetro E-Salary...............................................................................................................................6
Habibmetro Rent Free Lockers................................................................................................................6
Habib metro Short Term and Long Term Finance...................................................................................6
Habib metro SMS Banking......................................................................................................................7
Habib metro POS (Point of Sale) Services..............................................................................................7
Habib metro E-Statement........................................................................................................................7
Website.......................................................................................................................................................7
Balance Sheet.............................................................................................................................................8
Income Statement......................................................................................................................................9
Asset Analysis..........................................................................................................................................10
Market Share.........................................................................................................................................10
Advanced to Deposit Ratio....................................................................................................................11
1ST Major use of Funds........................................................................................................................12
Investments Percentage of Total Assets.............................................................................................12
Government securities as a percent of Investments...........................................................................13
2nd Major Use of Funds..........................................................................................................................13
Advances as a percent of total assets.................................................................................................13
Infection Ratio.......................................................................................................................................14
LIABILITIES ANALYSIS.....................................................................................................................14
Debt ratio...............................................................................................................................................14
Major Source of Funds (Deposits/Total Liabilities)...............................................................................15
Non-interest deposits (non-interest deposits/Total deposits)..................................................................15
Interest deposits/fixed+saving deposits (Interest deposits/total deposits)..............................................16
C.A.S.A.................................................................................................................................................17
Borrowings to Total Liabilities..............................................................................................................17

2
Equity Analysis........................................................................................................................................18
CAR......................................................................................................................................................18
Income Statement Analysis.....................................................................................................................19
Return to Equity (ROE).........................................................................................................................19
Return on Assets (ROA)........................................................................................................................19
Net Interest Margin (NIM)....................................................................................................................20
Net Non-Interest Margin (NNIM).........................................................................................................20
Spread....................................................................................................................................................21
Government securities:..........................................................................................................................21
Cash and balance with treasury to total asset:........................................................................................22

3
Introduction
Habib Metro was incorporated in Pakistan as a Public Listed Company in 1992 under the name,
Metropolitan Bank Limited. The Bank commenced, duly licensed, full scheduled commercial-
banking operations in October 1992.Metropolitan Bank, from October 1992 to September 2006,
remained a highly rated bank and, vide its nationwide 51-branch on-line network, established as
a distinguished provider of trade finance services. On October 26, 2006 Habib Bank A G
Zurich`s Pakistan Operations merged into Metropolitan Bank Limited and the merged entity was
named Habib Metropolitan Bank Limited. Demonstrating a strong commitment to Pakistan
economy, HBZ is the principal shareholder of Habib Metro. Habib Metro operates in all major
cities of the country. The Bank ranks within Top 10 in Pakistan with a strong vision to be the
most respected Financial Institution. HABIBMETRO has its primary focus on retail banking and
trade finance and also offers highly innovative E-Banking solutions and Consumer Banking to its
customers. The Bank’s Islamic Banking Division is fully capable of catering to
customers seeking Shariah compliant products.

Vision Statement
Based on a foundation of trust, to be the most respected financial institution, delighting
customers with excellence, enjoying the loyalty of a dedicated team, meeting the expectations of
regulators and participating in social causes while providing superior returns to shareholders.

Mission
Building on our legacy of trust, HABIBMETRO brings to you Shari‟ah compliant banking
solutions. Driven by our promise of service with security and strong ethical standards, we ensure
that you remain close to your beliefs and stay ahead of the competition.

4
Services
 
Habibmetro Home Remittance
Habibmetro Home Remittance Division is facilitating overseas Pakistanis under the guidance
and patronage of Pakistan Remittance Initiative (PRI), a joint initiative of State Bank of Pakistan,
Ministry of Overseas Pakistanis and Ministry of Finance. Through this service loved ones,
families, friends & remitters can send money back to 
Pakistan.
Habibmetro Money Gram International
Money Gram has a global reach through its network of over 334,000 local agents in more than
200 countries and territories, providing customers with convenience and flexibility. Money Gram
is a fast, trusted and secure service to receive money all over the world from your loved ones in a
few minutes.
Habibmetro Cash Management Services
Cash Management department provides high quality solutions and services to its Corporate
Clients. The client can be benefited in the form of efficient liquidity management to increase
their profitability.
Habibmetro E-Salary
Comprehensive system through which salary disbursement to the employees of our valued
corporate customers with ease & efficiency.
Habibmetro Rent Free Lockers
 Secure
 Rent Free Lockers
 Refundable security deposit
 Available in,
a) SIZE Security Deposits
b) SMALL Rs. 20,000
c) MEDIUM Rs. 35,000
d) LARGE Rs. 60,000
e) EXTRA LARGE Rs. 100,000

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Habib metro Short Term and Long Term Finance
The bank also offers short term working capital financing including under sharia compliant
modes, exports/import financing and long-term finances to Corporate/Commercial customers as
well as SMEs trade & industry. It also extends Agricultural credit, specialized financing tailored
to customer’s needs and is also a regular member of Syndicated financing club.
Habib metro SMS Banking
Habib Metro SMS Banking utilizes SMS channel to conduct various financial as well 
as non-financial transactions. The simple to use service facilitates Habib Metro Customers to
conduct transactions from the location of their convenience. A simple structured SMS will land
the required information on your fingertips.
Habib metro POS (Point of Sale) Services
a) Now you can withdraw cash from all HMB branches cash counters easily and 
b) without any delay.
c) Each Habib Metro branch is now equipped with a POS machine available on their 
d) Cash Counters.
e) No need to issue cash cheques and no need to wait .
f) Cash can be withdrawn up to Rs. 400,000/- via HMB VISA (ATM / Debit card).

g) Cash can be withdrawn up to Rs. 250,000/- via HMB ACCESS (ATM / Debit 
h) card).
i) (Subject to availability of funds in the account )

Habib metro E-Statement

You can get your account statement electronically and avoid use of paper based statements. E-
statement will be delivered at your designated email address and the same will arrive in no time
as compared to courier. In addition E-Statement is a more secure mode of transmission. Just fill
up the attached subscription form and visit your branch to avail this free service and make
Pakistan a Green State.

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Strengths
 Habibmetro is one of the first muslim banks which is owned and managed by its own
managers which is considered as their biggest strength as a sense of ownership is present
in every employ
 Strength is their highest motivation as they know what they achieve will benefit them the
most as the profit earned will be distributed amongst them
 They have a wide area network throughout Pakistan so they cover a lot of cash
transactions
 Customers complaints are dealt efficiently as the bank has extremely strict rules and
regulations regarding them
 Customized products packages and services
 Extensive market and asset expertise
 Credit portfolio diversified by multiple criteria and categories
 Maturity matched funding
 Strong capital base due to having own funds

Weaknesses
 Realatively high sector exposure
 Global presence requires high staff resources
 Staff cost is high due to the high levels of employee qualification
 Not material client deposits
 Dependence on money and capital markets
 Advertisement is not as good as of other banks
 The limited branches it has are computerized

Website
Parent Company Habib Bank AG Zurich (www.habibbank.com)

Subsidiary Company HabibMetro Financial Services (www.hmfs.com.pk)

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 Balance Sheet

Basic info 2012 2013 2014 2015 2016 2017

Market share 3.09% 2.96% 3.28% 3.46% 3.326% 3.514%
ADR 49.087% 52.42% 41.93% 32.88% 33.18% 33.6%
Assets
1st Major use of Investment Investments Investment Investments Investments Investme
funds s s nts
Investment 53.465% 45.58% 55.80% 57.38% 59.74% 61.5%
percentage of
total assets
Government 88.99% 89.29% 93.22% 94.7% 96.01% 97.3%
securities as a
percent of
Investments
2nd major use of Advances Advances Advances Advances Advances Advance
funds s
Advances as a 35.536% 46.28% 33.77% 27.07% 27.15% 27%
percent of total
assets
Most riskiest Textile Textile Textile Textile Textile Textile
sector
Percentage 14.86% 11.77% 17.61% 19.42% 12.43% 17.49%
infection ratio

Liabilities
Major source of Deposits Deposits Deposits Deposits Deposits Deposits
funding
Deposits as 79.89% 87.36% 88.25% 89.03% 88.9% 85.8%
percentage of
total liabilities
Percentage of 24.48% 26.68% 27.14% 25.16% 28.02% 25.6%
non-Interest
Deposits
Percentage of 75.52% 73.32% 72.85% 74.84% 71.98% 74.4%
Interest Deposits

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C.A.S.A 49.63% 56.26% 56.36% 54.026% 53.70% 49.03%
Debt Ratio 90.6% 91.01% 91.25% 92.48% 92.45% 93.7%
Borrowings to 15.25% 8.13% 6.86% 6.94% 7.64% 10.65%
total liabilities
Equity
M.C.R 10478315 10478315 10478315 10,478,315 10478315 10,478,3
15
C.A.R 17.05% 16.13% 17.29% 18.35% 18.15% 17.49%

Income Statement

Basic info 2012 2013 2014 2015 2016 2017

Administratio 1.91% 2.08% 1.85% 1.72% 1.78% 1.6%
n expense to
total assets
ROE 13.06% 11.89 16.31% 23.11 16.47 13.9%
% % %
ROA 2.77% 1.13% 1.24% 1.56% 1.16% 0.85%

Net interest 2.76% 2.91% 2.81% 2.93% 2.23% 2.1%

income to total
assets
Net Non- 3.81% 3.66% 3.44% 3.67% 3.46% 2.50%
interest margin
to total assets
Spread 0.19% 3.2% 2.97% 3.22% 2.3% 2.34%
Cash and 5.62% 6.81% 4.69% 6.25% 6.75% 6.56%
balance to
total assets
Government 47.58% 48.64 50.49% 53.2% 56.76 59.8%
securities to % %
total assets

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 Asset Analysis
Market Share
Market share is the percentage of a market accounted for by a specific entity. Habib
Metropolitan Bank supports a fluctuating trend. In years 2012-2017 the market share is
increasing but in 2013, the market share drops to 2.96%. The highest market share was in the
year 2017 at 3.514% while the lowest was in the year 2012 at 2.96%. Habib Metropolitan Bank
happens to fall in the second category, medium sized market share which is basically from 2 to
5%. This displays that the bank is a medium sized compared to the rest.

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 Market Share
3.60%
3.50%
3.40%
3.30%
3.20%
3.10%
3.00%
2.90%
2.80%
2.70%
2.60%
2011 2012 2013 2014 2015 2016 2017 2018

Advanced to Deposit Ratio

To assess the liability of a bank, The ADR indicates if a bank is liquid enough to carry out any
unforeseen funds. The set range of the state bank of Pakistan is 40-75% that banks are to follow.
Banks should not lend more than 75% as they can go bankrupt and lower than 40% leads to
channeling their funds within. The highest was in 2013 at 52.42% which happens to be lower
than 75% and greater than the 40%. However, in 2016 the ADR dropped to 33.18% which is
lower than 40% indicating that the bank needs to start lending funds so that they can earn an
income on it. From 2014 till 2017 a downward trend follows which basically shows that they
have been reluctant to lend out their funds to the public. This can discourage the investors from
investing in to Habib Metropolitan Bank. From 2016 to 2017 we can see an increase in trend of
ADR that is from 33.18% to 33.6% but when compared to industry 2016 that is 46.6% here we
can see a significant gap between the two ADR which implies that Habib metropolitan is unable
to meet the bench mark which shows an overall less interest income. Similarly in 2017 again the

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 gap couldn’t be filled by Habib metropolitan bank as the ADR was 54.21%.

ADR
60.00%

50.00%

40.00%

30.00%

20.00%

10.00%

0.00%
2011 2012 2013 2014 2015 2016 2017 2018

1ST Major use of Funds

Investments Percentage of Total Assets.

These act as the backup source of liquidity and for the bank to earn a low rate interest income.
These include time and saving deposits that are held with other banks. From 2012 to 2017 the
investment to total asset has been increasing however in the year 2013, the ratio drops to
45.58%. In 2017, Habib metropolitan had the highest ratio standing at 61.50% and the lowest
was recorded in the year 2013 which stood at 45.58%. We can conclude that in the year 2017,
the bank had a higher probability to meet demand for cash and a source that provided immediate
loans. We can see an increasing trend in investment to total asset from 2016 to 2017 of the bank
a similar trend can be seen in industry from 47.43% to 47.59%. While comparing the ratios of
2016 and 2017 with industry we can see that Habib metropolitan bank was able to exceed the
bench mark which indicates that the bank is investing in less risky assets.

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 Investment percentage of total assets
70.00%

60.00%

50.00%
Investment percentage of
40.00% total assets
30.00%

20.00%

10.00%

0.00%
2011 2012 2013 2014 2015 2016 2017 2018

Government securities as a percent of Investments

These happen to be the low risk investments as they involve insignificant credit risk. A
government security is a bond issued by a government authority with a promise of repayment
upon maturity. Government securities such as savings bonds, treasury bills and notes also
promise periodic coupon or interest payments. Invent in government securities by Habib
Metropolitan Bank have increased from 2012 to 2017. The trend has been an upward trend where
the highest value was at 2017 ,97.3%, and the lowest was in 2012,88.99%.

Government securities as a percent of

Investments
98.00%
96.00%
94.00% Government securities as
a percent of Investments
92.00%
90.00%
88.00%
86.00%
84.00%

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2nd Major Use of Funds

Advances as a percent of total assets

This ratio briefs us about
Advances as a percent of total assets the segment of the
50.00%
investments and advances
40.00%
Advances as a percent of that account for the asset.
30.00% total assets
20.00% This ratio has been
10.00%
supporting a fluctuating
0.00%
trend through 2012 to
2017. The highest ratio
was in 2013, 46.28% and the lowest were in the year 2017, 27%. It can be seen that from 2016 to
2017 there is a negligible difference in the ratio of the bank which is of 0.15%.When compared
with the industry we can view that the ratio has increased over the past year from 34.73% to
35.506% showing a positive change. It implies that there is an increase in the percentages of
advances when taken as a proportion of total assets, indicating an increase in the core business
activity of the bank somewhat which is similar to the industry.

Infection Ratio
The infection ratio of Habib Metropolitan Bank basically displays the proportion of non-
performing loans to the gross advances. If the infection ratio is high it illustrates that there is
more credit risk committed to it. An increase in this ratio can reduce the quality of the loans
being offered thus reducing the overall income of the bank. We can depict that years 2012 to
2017 show a fluctuating trend as the values are increasing and decreasing. The highest infection
ratio is in the year 2015 at 19.42% and the lowest was in 2013 at 11.77%. We can see somewhat

14
an opposite trend of infection ratio when the ratio of the industry and the bank are compared. The
infection ratio has increased from 12.43% to 17.49% (2016 to 2017) whereas in industry it
reduced from 10.1% to 8.4%. We can see in both the years the infection ratio of the bank is
higher when compared to the industry showing that Habib Metropolitan Bank has a higher credit
risks.

Percentage Infection Ratio

25.00%
20.00%
15.00% Percentage infection ratio

10.00%
5.00%
0.00%
2011 2012 2013 2014 2015 2016 2017 2018

LIABILITIES ANALYSIS
Debt ratio
Debt ratio is total liabilities over total assets which shows what amount of debt is being used by
the bank to finance its asset. There is an overall increase in Habib metropolitan bank debt ratio
from 2012 to 2017. The debt ratio for industry 2016 is 91.45% whereas the debt ratio for 2016 is
92.45% this shows that the bank is using its amount of debt better than industry to finance their
asset. Similarly the industry ratio for 2017 is 92.4% whereas the debt ratio for the bank is 93.7%
meaning that bank are better utilizing their debt amount to finance their assets.

Debt Ratio
94.00%
93.00%
92.00% Debt Ratio

91.00%
90.00%
89.00%
2011 2012 2013 2014 2015 2016 2017 2018

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Major Source of Funds (Deposits/Total Liabilities)
The major source of funds for Habib Metropolitan Bank is deposits for the past six years;
however, in 2012, the use of deposits has been the lowest i.e. 79.89%, whereas the deposits have
been fluctuating from 88.25% to 85.8% with ups and downs in between the five years from
CY13 to CY17. This up and down trend for the bank may be due to the bank’s policy that might
not have worked in the market and might have led to depositors. In 2014, the deposits to liability
ratio is 88.25% which increased to 89.03% this may have been due to the increase in the market
share and thus an increase in the number of depositors during the years. Thus, this fluctuating
trend for Habib Metropolitan Bank might have been due to a drastic change in the economy or
because of the bank’s policy that may not have worked out.

Deposits as percentage of total liabilities

90.00%
88.00%
86.00%
84.00% Deposits as percentage of
total liabilities
82.00%
80.00%
78.00%
76.00%
74.00%
2011 2012 2013 2014 2015 2016 2017 2018

Non-interest deposits (non-interest deposits/Total deposits)

Non-interest deposits, also known as, current accounts had an overall increasing trend from
CY12 to CY17. In 2012 the bank has the lowest of non-interest deposits at about 24.48%. Non-
interest deposits are those deposits where the depositor has no liability to pay for the interest. In
2015, however, there was a drop in the non-interest-bearing deposits which indicates the bank is
now having more interest-bearing deposits, for example, saving accounts. From 2016 there was
an increasing trend for the bank which means that the bank would now have less interest expense
and bank has less saving accounts as compared to the previous year. Further to this, it also
indicates that the bank would now have more interest expense and more liability to pay off its
debt. After 2016, there was again a drop in 2017 to 25.6% again showing an increase in saving
accounts.

16
 Percentage of non-Interest Deposits
29.00%
28.00%
27.00%
Percentage of non-Interest
26.00% Deposits
25.00%
24.00%
23.00%
22.00%
2011 2012 2013 2014 2015 2016 2017 2018

Interest deposits/fixed+saving deposits (Interest deposits/total deposits)

This ratio shows the amount of interest deposits in the form of fixed deposits out of total
deposits. These kinds of deposits are the most expensive ones due to the use of high interest
expense. In 2012, the interest deposits were about 75.2% of the total deposits but decreased for
the next two years. However, soon after 2014 the percentage increased to 74.8% to 71.98% and
then an increase. This shows a highly fluctuating trend in the interest deposits. This also points to
a fluctuating increase and decrease of interest expense in the profit and loss statement too.

Coming to the increases in the saving deposits, it means there is a greater efficiency of a bank to
lend those funds and these deposits are not demanded immediately and require some time; hence
the bank can use them to fulfil and pay the remaining debts or the other deposits.

Percentage of Interest Deposits

76.00%
75.00%
74.00% Percentage of Interest Deposits
73.00%
72.00%
71.00%
70.00%
2011 2012 2013 2014 2015 2016 2017 2018

17
C.A.S.A.
This ratio is used in order to find how costly or expensive deposits of a bank are; this ratio
basically works as an indicator which shows the least costly form of deposits the bank offers or
possesses. The C.A.S.A. increased from 49.63%, in 2012, to 56.36%, in 2014. The C.A.S.A. for
Habib Metro decreases in the end to 49.03%. This decrease in CASA shows that the cost of
deposits has also increased, whereas the increase in the first few years show that higher the
CASA, the lower will be the cost of deposits.

C.A.S.A
58.00%
56.00%
54.00%
52.00% C.A.S.A
50.00%
48.00%
46.00%
44.00%
2011 2012 2013 2014 2015 2016 2017 2018

Borrowings to Total Liabilities

The borrowings were the highest in the 2012 year i.e. the first year used in this analysis. It
dropped from 15.25% to 6.86% in 2014. In 2015, the percentage increased to 7.64% and then to
a higher percentage in 2017 to 10.65%.

Borrowings to total liabilities

18.00%
16.00%
14.00%
12.00%
Borrowings to total liabilities
10.00%
8.00%
6.00%
4.00%
2.00%
0.00%
2011 2012 2013 2014 2015 2016 2017 2018

18
 Equity Analysis
CAR
Capital adequacy ratio measures bank capital to its risk weighted assets. It basically represents
the financial strength and stability of a bank. The capital adequacy ratio of Habib Metropolitan
Bank in comparison to the industry average of banking system of Pakistan is higher over the past
seven years. The industry average is 10.25%. The CAR of Habib Metropolitan was highest in
2015 at 18.35%, while it was the lowest in 2013 at 16.13%. In 2017 CAR was at 17.49% which
is higher than the industry average of 10.25%. This means that Habib Metropolitan is a well-
capitalized bank with low insolvency risk, which also means that the bank has is able to
withstand reasonable amount of losses in the future. There has been a decline and rise relation
between the CAR ratios, 17.05% 2012, fell to 16.13% in 2013, rose to 17.29% in 2014 and to
18.35% in 2015 which is also the highest it reached. After 2015 there only has been a decrease in
the value, it fell to 18.15% in 2016 and then in 2017 it fell to 17.49%.

C.A.R
19.00%
18.00%
C.A.R
17.00%
16.00%
15.00%
2011 2012 2013 2014 2015 2016 2017 2018

19
 Income Statement Analysis
Return to Equity (ROE)
It is the measure of profitability that calculates how many dollars of profit a company generates
with each dollar of shareholders equity. It is the ratio of Net income to shareholders equity. The
highest ROE is in 2015 which is 23.11%, the lowest is in 2013 which is 11.89%. The trend was
uneven as it increased from 2013 to 2015 and then started decreasing. The lower the return on
equity the less efficient the company’s operations are making use of those funds therefore in
2013 Habib Metropolitan has decreased ability to generate profit.

ROE
25.00%

20.00%

15.00% ROE

10.00%

5.00%

0.00%
2011 2012 2013 2014 2015 2016 2017 2018

Return on Assets (ROA)

It is an indicator of how profitable a company is relative to its total assets. It is the ratio of net
income after taxes to total assets. It gives idea that how efficient a company is at generating
earnings by using it assets. The lowest was in 2017 which was 0.85% and the highest was in
2012 which was 2.77%. there was a sharp decrease from 2012 to 2013 and has decreased since
and remained more or less the same. Hence its profit margin was declining.

ROA
3.00%
2.50%
2.00% ROA
1.50%
1.00%
0.50%
0.00%
2011 2012 2013 2014 2015 2016 2017 2018

20
Net Interest Margin (NIM)
It is the measure of the difference between the interest income generated by banks or other
financial institutions and the amount of interest paid out to their lenders relative to the amount of
their interest earning assets. It was highest in 2015 which was 2.93% and lowest in 2017 which
was 2.1%. The trend is fluctuating but there was rapid decrease from 2015 to 2017 when it
changed from 2.93% to 2.1%.

Net interest income to total assets

3.50%
3.00%
2.50%
Net interest income to total
2.00% assets
1.50%
1.00%
0.50%
0.00%
2011 2012 2013 2014 2015 2016 2017 2018

Net Non-Interest Margin (NNIM)

It is the measure that helps assess the usefulness of revenue from non interest items such as fees
and service charges, there is a measurement of significance particularly for banks and credit card
companies. Habib Metropolitan has no negative value which is a good indication. The highest
was in 2012 which was 3.81% and lowest was in 2017 which was 2.50%. However it can be said
that Habib Metropolitans performance has regressed since 2012.

21
 Net Non-interest margin to total assets
4.50%
4.00%
3.50%
3.00%
Net Non-interest margin to
2.50% total assets
2.00%
1.50%
1.00%
0.50%
0.00%
2011 2012 2013 2014 2015 2016 2017 2018

Spread
It is the yield on earning assets less cost of borrowing. A positive value shows that lending rate is
high and better for the banks. This spread has been fluctuating over the years. It was lowest in
2012 which is 0.19% and highest in 2015 which was 3.22%. there was a sharp increase from
2012 to 2013 which is a good sign.

22
 Spread
3.50%

3.00%

2.50%

2.00% Spread

1.50%

1.00%

0.50%

0.00%
2011 2012 2013 2014 2015 2016 2017 2018

Government securities:
A government security bond is a debt obligation that is issued by a government with a promise of
repayment upon the security maturity data. Investment in government securities has increase
over 2012 to 2017. The highest ratio is in 2017 which is 59.8% while the lowest is in 2012
47.58%. The industry ratio for industry 2016 is 90% while for Habib metropolitan bank it is
56.76% which is lesser than requirement. Furthermore the industry ratio for industry 2017 is
91.2% while for Habib metropolitan bank it is 59.8% which is also lesser than requirement.

% meaning that bank are better utilizing their debt amount to finance their assets.

Government securities to total assets

70.00%

60.00%

50.00%
Government securities to total
40.00% assets
30.00%

20.00%

10.00%

0.00%
2011 2012 2013 2014 2015 2016 2017 2018

23
Cash and balance with treasury to total asset:
The bank was going good throughout the six years as the industry ratio is 7.4% whereas Habib
metropolitan has always been lower than this percentage but they have been always closed to this
percentage from 2013 to 2017. This shows that criteria has somehow always been maintained.

Cash and balance to total assets

1200.00%
1000.00%
800.00% Cash and balance to total assets
600.00%
400.00%
200.00%
0.00%
0 2 4 6 8 10 12

24