Bank Al Habib Ltd. · PSX:BAHL
Bank Al Habib — Investor Presentation (2022)
23 slides from Bank Al Habib's investor presentation, 2022
Slide 1: Corporate Briefing 2022
CORPORATE Jj) BRIEFING 2022
Slide 2: Introduction
INTRODUCTION • Incorporated: October 1991 • Started Operation: January 1992 • Branches: 1068 • Cities Covered: 436 • International Presence: Bahrain , Malaysia, Turkiye , UAE, China & Kenya. • Total Assets: PKR 2,221 billion • Deposits: PKR 1,581 billion • Advances: PKR 815 billion • Market Share: 6
Slide 3: Bank Al Habib Limited & Subsidiaries
BANK AL HABIB LIMITED & SUBSIDIARIES
Slide 4: Network
NETWORK Branches: Domestic Branches: 1068 1066 Cities Coverage: Big City: 604 Conventional: 896 436 Small City: 242 Islamic: 172 Rural: 193 Unbanked: 27 ATMs Representative 1288 Foreign Branches: 2 Offices: 4 Bahrain On-site: 1062 & China Off-site: 217 Malaysia Turkiye Mobile: 9 UAE Kenya Booths: 6
Slide 5: Board of Directors
BOARD OF DIRECTORS Abbas D. Habib Chairman Adnan Afridi Anwar Haji Karim Arshad Nasar Farhana Mowjee Khan Javed Iqbal Mohammad Rafiquddin Mehkari Murtaza H. Habib Qumail R. Habib Executive Director Syed Mazhar Abbas Mansoor Ali Khan Chief Executive
Slide 6: Vision & Mission
VISION & MISSION VISION STATEMENT TO BE OUR CUSTOMERS’ MOST CONVENIENT AND TRUSTED BANK MISSION STATEMENT TO MAKE BANKING SAFE, SIMPLE, AND PLEASANT
Slide 7: Core Values
CORE VALUES Respect for people Relationships of Trust Service to Customers Simplicity in Everything Culture of Ownership Communication & Cooperation
Slide 8: Key Performance Highlights
KEY PERFORMANCE HIGHLIGHTS PBT PAT Total Assets Total Deposits Rs. 28.9Bln Rs. 14.9Bln Rs. 2,221.2Bln Rs. 1,580.6Bln 29% YoY 7% YoY 20% YTD 21% YTD Equity (Before Revaluation) Advances - NET Investment - NET CD/TD Rs. 815.0Bln Rs. 1,057.5Bln Rs. 93.0Bln 40.1% 11% YTD 28% YTD 11% YTD
Slide 9: Key Performance Highlights
KEY PERFORMANCE HIGHLIGHTS Earning Per Book Value CAR Share Per Share 13.408% Rs. 13.47 Rs. 83.68 NPL Ratio Branches Opened to date 1.13% 112
Slide 10: Financial Ratios
FINANCIAL RATIOS Gross ADR PAT to PAT to Assets Shareholder 0.98% Fund 52.48% 22.67% YOA COD SPREAD (Adv – Dep) 9.25% 5.87% 3.38% Cost To Net Interest Fee & Income Margin Commission 54.86% Rs. 54.3Bln Rs. 8.6Bln 31% YoY 30% YoY
Slide 11: Islamic Banking Performance
ISLAMIC BANKING PERFORMANCE PBT Total Assets Total Deposits Rs. 5.1Bln Rs. 272.7Bln Rs. 152.1Bln 87% YoY 19% YTD 19% YTD Advances - NET Branches* Windows Rs. 106.4Bln 172 150 25% YTD 25% YTD 3% YTD * As of 14 November 2022
Slide 12: Performance Trend
a PERFORMANCE TREND 2,500
Slide 13: Performance Trend
a PERFORMANCE TREND 88s8ssesse8 8 A @)\ .Y _ Ps = Ls) Ne Ms: ve \ a: (=) ee: o rs 'SBssSSESBSSBS
Slide 14: Performance Trend
PERFORMANCE TREND 83.68 18.00 75.19 16.83 16.03 62.60 49.93 41.64 10.05 36.36 7.65 7.57 * September 2022 EPS is annualized
Slide 15: Branch Network
BRANCH NETWORK 112 107 95 1,068 956 71 34 45 850 755 721 650 Total Branches Branches Opened Conventional 894 Islamic 172 Foreign 2 Total 1068
Slide 16: Deposit Mix – As on Sep 30, 2022
DEPOSIT MIX – AS ON SEP 30, 2022 234.0 264.8 (14.8%) (16.8%) 447.3 (28.3%) 634.5 (40.1%) Fixed deposits Current accounts - Non-Remunerative Savings deposits Current accounts - Remunerative
Slide 17: Investment Mix – As on Sep 30, 2022
INVESTMENT MIX – AS ON SEP 30, 2022 160.4 3.0 9.5 (15.2%) (0.3%) 3.2 (0.9%) (0.3%) 224.9 (21.3%) 656.5 (62.1%) Market Treasury Bills PIB's Ordinary Shares TFCs / Sukuk Mutual Funds Others
Slide 18: Advances by Segments – As on Sep 30, 2022
ADVANCES BY SEGMENTS – AS ON SEP 30, 2022 1.79% 3.15% 14.90% 34.81% 23.95% 5.19% 11.10% 5.11% Textile Power, Gas, Water, Sanitary Individuals Food & Allied Others Wholesale & Retail trade Services Chemical and Pharmaceuticals
Slide 19: Industry Growth & Market Share
INDUSTRY GROWTH & MARKET SHARE Sep -22 Sep -21 Dec -21 BAHL Mkt BAHL Mkt BAHL Mkt Pak BAHL Pak BAHL Pak BAHL Share Share Share Deposits 8.81% 19.98% 6.53% 10.92% 16.33% 6.10% 17.32% 19.30% 5.92% Advances 9.66% 13.68% 7.35% 9.30% 27.69% 6.97% 20.08% 42.71% 7.09% * Domestic Operations Only
Slide 20: Balance Sheet - Assets
BALANCE SHEET - ASSETS Change over Dec-21 Change over Dec-20 Change over Dec-20 Sep-22 Sep-21 Dec-21 Amount % Amount % Amount % Cash & Banks 119,381 (5,959) (4.75%) 125,337 (261) (0.21%) 125,340 (258) (0.21%) Lending to FI 37,001 16,937 84.41% 1,000 (1,175) (54.02%) 20,064 17,889 822.48% Investments
Slide 21: Balance Sheet - Liabilities
BALANCE SHEET - LIABILITIES Change over Dec-21 Change over Dec-20 Change over Dec-20 Sep-22 Sep-21 Dec-21 Amount % Amount % Amount % Bills Payable 24,619 (5,185) (17.40%) 29,349 (1,664) (5.37%) 29,804 (1,209) (3.90%) Borrowings 357,171 54,958 18.19% 352,965 141,366 66.81% 302,213 90,614 42.82% Depos
Slide 22: Profit & Loss Account
PROFIT & LOSS ACCOUNT Change over Sep-21 Change over Sep-20 Change over Dec-20 Sep-22 Sep-21 Dec-21 Amount % Amount % Amount % Mark up / Interest Earned 133,181 47,528 55.49% 85,653 (12,879) (13.07%) 116,752 (8,521) (6.80%) Mark up / Interest Expensed 78,839 34,528 77.92% 44,311 (10,139) (18.62%) 61
Slide 23: Thank You
Thank You