Financials -  Yearly Habib Metropolitan Bank Limited Consolidated Balance Sheet   As at December 31, 2015 (Rupees in ' 000)   Dec 31, 2015 Dec 31, 2014 Assets Cash and balances with treasury banks 30,645,728 18,640,853 Balances with other banks 13,807,806 1,870,331 Lendings to financial institutions 14,444,641 3,408,776 Investments 280,910,946 221,644,817 Advances 132,646,839 134,750,646 Operating fixed assets 3,125,478 3,025,426 Deferred tax assets 1,938,805 1,268,457 Other assets 12,365,392 13,065,511   489,885,635 397,674,817 Liabilities Bills payable 6,344,461 5,201,482 Borrowings 31,462,822 24,883,982 Deposits and other accounts 403,208,597 319,948,274 Sub-ordinated loans - - Liabilities against assets subject to finance lease - - Deferred tax liabilities - - Other liabilities 12,007,518 12,871,948   453,023,398 362,905,686 Net assets 36,862,237 34,769,131 Represented by Share capital 10,478,315 10,478,315 Reserves 12,710,010 11,178,823 Unappropriated profit 9,965,906 8,559,839   33,154,231 30,216,977 Surplus on revaluation of assets - net of tax 3,708,006 4,552,154   36,862,237 34,769,131 Habib Metropolitan Bank Limited Consolidated Profit and Loss Account   For the year ended December 31, 2015 (Rupees in ' 000)   Dec 31, 2015 Dec 31, 2014 Mark-up / return / interest earned 36,860,192 32,288,259 Mark-up / return / interest expensed (22,460,706) (21,078,626) Net mark-up / interest income 14,399,486 11,209,633 Provision against non-performing loans and advances 2,116,885 1,767,199 Provision for diminution in the value of investments 109,077 11,380 Bad debts written off directly - -   2,225,962 1,778,579 Net mark-up / interest income after provisions 12,173,524 9,431,054 Non mark-up / interest income Fee, commission and brokerage income 2,893,831 2,458,011 Dividend income 149,401 51,889 Income from dealing in foreign currencies 1,083,300 1,039,545 Gain on sale / redemption of securities 4,781,125 1,875,712 Unrealized gain / (loss) on revaluation of investments classified as held-for-trading - - Other income 340,949 341,063 Total non mark-up / interest income 9,248,606 5,766,220   21,422,130 15,197,274 Non mark-up / interest expenses Administrative expenses 8,501,276 7,406,393 Other provisions / write offs 14,989 299,000 Other charges 340,437 155,742 Total non mark-up / interest expenses (8,856,702) (7,861,135)   12,565,428 7,336,139 Extraordinary / unusual items - - Profit before taxation 12,565,428 7,336,139 Taxation - current (4,972,843) (2,764,846)              - prior years (476,060) (100)              - deferred 556,958 370,957   (4,891,945) (2,393,989) Profit after taxation 7,673,483 4,942,150 Unappropriated profit brought forward 8,559,839 6,693,745 Profit available for appropriation 16,233,322 11,635,895 Basic and diluted earnings per share (Rupees) 7.32 4.72 Auditor(s): Pakistan Banks' Association 2005. All Rights Reserved.