Habib Bank Limited · PSX:HBL
Habib Bank — H1 2021 Earnings Presentation
8 slides from Habib Bank's earnings presentation, Jul 30, 2021
Slide 1: H1'21 performance review
Habib Bank Limited H1’21 performance review Investor presentation – July 30, 2021 1
Slide 2: Digital adoption continues to accelerate…
Digital adoption continues to accelerate… Continued progress towards shifting MB/IB – volumes and counts doubling, users HBL Konnect – App users: 1.9 Mn, ATMs: volumes and transactions both transactions away from OTC – now at 26% topped 2 Mn, mobile app rating: 4.5 volumes up 50%, up 25+% Trans. Vol
Slide 3: …and the Bank's core franchise continues to deliver on all activity drivers
…and the Bank’s core franchise continues to deliver on all activity drivers Customer base – added 2.1m customers in 6 Consumer financing grew by 14% and reached Rs 90 Cash Management – Collections up 49% to Rs months billion, the highest in the industry 2.2T, Payments more than doubled to Rs 1.4T PL
Slide 4: Recognition and awards
Recognition and awards Q2’21 Best Website of the Year Power Deal of the Year Best Bank in Pakistan Best Mobile Bank Application (Punjab Thermal) Web Series of the Year – HBLPSL Jang Ki Jeet Best Digital Payment Processor # 1 Primary Dealer in Government Global Diversity & Inclusion Benchmarks Award-
Slide 5: Extraordinary half-year, with broad-based growth momentum
Extraordinary half-year, with broad-based growth momentum Deposits +10% vs. Dec’20 to Rs 3.1 T Current deposits up 10% over Dec’20 to Rs 1.1 T Average deposits – Up Rs 348b (15%) to Rs 2.6 T Rs in Bn Rs in Bn Rs in Bn 3,113 1,093 2,628 2,830 267 995 2,280 252 2,782 975 120 258 254 243 111 105 2,376
Slide 6: Key highlights
Results Summary Particulars - Rs in Mn H1-21 H1-20 Var% Key highlights Net Interest Income 64,863 63,075 3% PBT of Rs 31.2b in H1’21 is 21% higher than in H1’20, while PAT is 19% higher at Rs 18.0 billion Fees and Commissions 11,778 8,900 32% Treasury related NFI 2,490 2,621 -5% NII up 3% over H1’
Slide 7: Loan book positioning
Loan book positioning Loan portfolio composition by line of business International loan portfolio – location wise Maldives Others Belgium 1.9% 3.8% 2.1% International China others 18.1% 4.6% 3.4% Oman United 5.4% Kingdom FMFB Corporate 29.9% 3.6% Net loans 44.8% Rs 1.3T Singapore Net loans 12.1% Isl
Slide 8: Key performance indicators
Key performance indicators ADR reduced to 42% due to higher growth in CAR declined over Mar’21 due to rupee NIMs reduced by 16bps in Q2 with downward deposits devaluation and higher RWAs repricing of T-Bills Rs in Bn Equity Tier 1 CAR 11.7% 55.0% 11.6% 2 0 .0% 300 49.6% 17.2% 17.9% 10.4% 16.8% 47.9%