This document provides an overview of HabibMetro Modaraba, a perpetual and multi-purpose Islamic modaraba in Pakistan. It discusses the modaraba's profile, management company, main sponsor, operational activities, and financial performance. The modaraba's paid-up certificate capital is Rs. 300 million, with the management company and main sponsor Habib Metropolitan Bank Limited contributing Rs. 210 million. Key operational activities include residual value car financing and financing for solar power equipment. Financial highlights show total assets of Rs. 328 million as of the first quarter of fiscal year 2020, with net profit of Rs. 7.7 million.

1. 1

2. HabibMetro Modaraba
Corporate Briefing Session
Habib Metro Modaraba
2
HabibMetro Modaraba

3. Corporate Briefing
3
HabibMetro Modaraba – Profile
Management Company
Main Sponsors
Operational Activities
Financial Performance
Future Outlook

4. PROFILE
Habib Metro Modaraba: is a perpetual and
multi-purpose Modaraba and invests in various
Islamic modes of financing. In addition, the
Modaraba may use other avenues of investment
as already approved by the Religious Board for
other Modarabas or that may be approved by the
Religious Board in the future. All transactions of
the Modaraba is in accordance with Principle of
Islamic Finance and applicable laws in Pakistan.
Habib Metro Modaraba
4

5. Paid up Certificate Capital
Out of the total paid up fund of the Habib Metro
Modaraba of Rs. 300,000,000/-, the management
company and the sponsors, Habib Metropolitan
Bank Limited have participated to the extent of Rs.
210,000,000/-. Modaraba Certificates of Habib
Metro Modaraba (HMM) was offered to the general
public for the subscription in September, 2017. The
public issue was well received and oversubscribed
against the offered amount of Rs. 90,000,000/-
Habib Metro Modaraba
5

6. Management Company
Habib Metropolitan Modaraba
Management Company (Private)
Limited, a wholly owned subsidiary
of Habib Metropolitan Bank
Limited, is a private limited
company, registered as a Modaraba
management company with the
Registrar Modaraba.
Habib Metro Modaraba
6

7. Main Sponsor
Habib Metropolitan Bank Limited is
the main sponsors of Habib Metro
Modaraba, the bank was incorporated in
Pakistan as a Public Listed Company in
1992 as Metropolitan Bank Limited.
The Bank commenced, duly licensed,
full scheduled commercial-banking
operations in October 1992.
Habib Metro Modaraba
7

8. Modaraba companies are engaged in following business activities
• Trading
• Manufacturing
• Financial Services
• Rental Services
• Equity Brokerage
8
As per published accounts of Modaraba's As on 30th June, 2018
No. of Modarabas 26
(PKR in million)
Asset Size 52,670
Equity Size 22,712
Profit 776
Business wise category of
Modarabas
Financial Services: 23
Trading: 01
Manufacturing: 01
Rental Services: 01
Habib Metro Modaraba

9. OPERATIONS
9
Habib Metro Modaraba

10. Board of Directors
Presently the Board of the Modaraba Company
comprises of the following persons:
Habib Metro Modaraba
10
Mr. Wazir Mumtaz Ahmed Chairman (Non-Executive Director)
Mr. Muhammad Shoaib Ibrahim Chief Executive Officer
Mr. Syed Rasheed Akhtar (Non-Executive Independent Director)
Mr. Saeed Uddin Khan (Non-Executive Independent Director)
Mr. Mohammad Shams Izhar (Non-Executive Director)

11. ORGANOGRAM
11
Habib Metro Modaraba

12. Distribution Network
Habib Metro Modaraba
12
HMM - Liaison
OFFICES DESK
Islamabad Peshawar
Lahore Sialkot
Multan
HABIBMETRO MODARABA
Head Office in Karachi

13. HMM – Products / Services
Habib Metro Modaraba has commenced its
business operations and gradually moving
towards its core business activities i.e.,
• Residual Value Car Financing “InstaCar”
• Financing of Solar Power Equipment
The Modaraba is carefully moving towards
assets booking in said business segments.
Habib Metro Modaraba
13

14. Product Brief
Residual Value (RV) Car financing model
• The Modaraba provides car financing solutions to various individual and
corporate customers on the basis of RV car financing model “InstaCar”.
• In the RV car financing, the monthly rentals are significantly lower than the
regular financing mode. This allows a customer to repay some part of facility
at considerably reduced monthly installments and after completion of facility
period the customer can buy the car at fixed residual value or return it to
Modaraba. Due to the significantly reduced monthly installments, customer
can also enjoy use of higher value cars.
Providing financing for solar power equipment
• The Modaraba also provide financing for solar power equipment to
prospective customers on the basis of approved Islamic modes of financing.
Habib Metro Modaraba
14

15. Collaboration with HabibMetro Bank
The HabibMetro Modaraba has
recently executed a Service Level
Agreement with Habib Metropolitan
Bank and by virtue of the said
agreement the “InstaCar” is also
available from the Habib Metropolitan
Bank branches located in the major
cities of the country.
Habib Metro Modaraba
15

16. FINANCIAL
PERFORMANCE
16
Habib Metro Modaraba

17. Financial Highlights
Habib Metro Modaraba
17
Amount in Rs. Oct17 to June-18 FY June-19 1QFY 20
Total Assets 304,898,677 319,418,302 328,350,211
Diminishing Musharaka
Financing
1,234,093 168,017,768 169,571,016
Current Assets 90,626,025 147,069,328 170,511,092
Current liabilities 977,600 7,311,414 16,747,682
Paid Capital 300,000,000 300,000,000 300,000,000
Certificate holders equity 304,012,077 312,106,888 311,602,529
Gross Revenue 12,657,349 29,393,602 12,530,251
Net Profit 4,012,077 11,094,811 7,745,641
Earning Per certificate 0.13 0.37 0.26
Cash dividend 0.10 0.275 -
Income from Diminishing
Musharaka Financing
208,199 13,757,843 7,574,300

18. SECTOR WISE FINANCING ASSETS AS AT SEPTEMBER 30, 2019
Sector
Amount
(PKR)
Percentage
INDIVIDUALS 67,109,651 40%
SERVICES 67,019,030 40%
EDUCATION 9,482,940 6%
FOOD &
ALLIED
9,043,137 5%
TEXTILE 6,507,365 4%
AUTO & ALLIED 4,618,509 3%
FUEL, POWER,
AND ENERGY
4,071,983 2%
HEALTH CARE 1,358,401 1%
TOTAL 169,571,016 100%
Habib Metro Modaraba
18
-
5
10
15
20
25
30
35
40
45
50
55
60
65
70
75
SECTOR WISE
FINANCING
ASSETS
Millions
INDIVIDUALS
SERVICES
EDUCATION
FOOD & ALLIED
TEXTILE
AUTO & ALLIED
FUEL, POWER, AND
ENERGY
HEALTH CARE

19. Future Outlook
19
Habib Metro Modaraba

20. Future Outlook
Presently our economy is passing through a difficult time
and way forward it is expected that overall business
conditions will be remained in pressure during current year
due to several economic challenges. Operating in an
economic slowdown environment becomes more
challenging, however, the competent team of HMM will try
to deliver even better result in coming years by adopting
cautious approach in new booking of financing assets and
will continue to grow the business in prudent manner.
Habib Metro Modaraba
20

21. Thank You
21

22. Question
&
Answer 22