Bank Of Khyber · PSX:BOK
Bank Of Khyber — The Bank of Khyber — Investor Presentation (September 2023)
42 slides from Bank Of Khyber's investor presentation, September 2023
Slide 1: Corporate Briefing Session: On the Road to Transformation
CORPORATE BRIEFING SESSION On the Road to Transformation September 2023
Slide 2: On the Road to Transformation
IMPROVED CREDIT STRONG SHARE RATING HOLDING Improvement in long term credit rating to A+ (in CY- STRUCTURE 2021 and CY-2022) DIGITAL DIVERSIFIED BRANCH BANKING NETWORK State of the art-T-24 (120 Islamic Banking and 112 software and focus on Digital Banking ON THE ROAD TO Conventional Banking) TRANSF
Slide 3: Where We Were in 2021
Where We Were in 2021 Over reliance on Government Deposits Low deposit contribution from individuals Deposit mix: High cost & high concentration Detailed self Inadequate non mark up income generation due to limited assessment in cross sell 2021 to formulate Branch network in need of modernization th
Slide 4: Key Elements of the Strategy Going Forward
Key Elements of the Strategy Going Forward Capacity building & strengthening of management team Diversification of the deposit base BoK has Improvement in portfolio quality embarked upon Focus on generating higher non-mark up income a transformation journey for long Expand branch network to increase
Slide 5: Progress Review
© PROGRESS REVIEW -—mUc it~]
Slide 6: Profitability Analysis
Profitability Analysis Half Yearly (Rs. In Million) Net Interest Income Non Markup Income 1,267 5,976 94% 70% 3,524 655 June 22 June 23 June 22 June 23 Substantial increase in Net Interest Income through Non mark up income increased due to focus on Portfolio re-profiling Increase in fee and commissi
Slide 7: Profitability Analysis
Profitability Analysis Half Yearly (Rs. In Million) Profit Before Tax Profit After Tax 1,689 3,066 332% 422% 391 588 June 22 June 23 June 22 June 23 Profit before & after tax registered tremendous growth because of Substantial growth in income stream which out paced increase in operating costs Lesse
Slide 8: Deposit Analysis
Deposit Analysis Rs. In Million Private Deposits Achieved growth in 121,322 private deposits 107,781 Private deposits growth rate was higher than government deposits 88,004 growth Dec 21 Dec 22 Jun 23
Slide 9: Deposit Analysis
Deposit Analysis Rs. In Million CASA Current Deposits 195,645 63,347 Improvement in 186,265 Current and Saving 57,651 Accounts (CASA), especially Current Accounts (CA) 46,820 155,967 Focusing on reducing cost of deposit Dec 21 Dec 22 June 23 Dec 21 Dec 22 June 23 9
Slide 10: Long-Term Rating Upgraded
Long-Term Rating Upgraded Achieved long term rating upgrade from PACRA in October-2022 (From A to A+) 10 Earlier, in June-2021, VIS had upgraded the long-term rating of Bank (From A to A+)
Slide 11: Strengthened Management Team
Strengthened Management Team Managing Director / CEO Muhammad Ali Gulfaraz (Joined in 2021) Group Head Treasury & Investment Banking Syed Farrukh Zaeem (Joined in 2023) Chief Risk Officer Mohammad Haroon Zamir Khan (Joined in 2023) Chief Financial Officer Irfan Saleem Awan (Joined in 2021) Group Hea
Slide 12: Branch Expansion
Branch Expansion 231 232 216 Expansion aims on improving the Bank’s 179 deposit base and its 166 169 169 composition. This will also support to 2017 2018 2019 2020 2021 2022 Jun 2023 improve Bank’s 2022 2022 2022 Plan 2023 outreach, and Province Conventional Islamic Total Total industry positioning
Slide 13: Reprofiling of Portfolio
Investment Mix (%) 10% Reprofiling 34% of Portfolio 20% 53% Investment mix re- 17% profiled keeping in PIBs - Floater view the interest PIBs - Fixed rate outlook 50% T-Bills Others 16% 27% 9% 20% 22% 21% Dec 2021 Dec 2022 June 23
Slide 14: Digital Banking Initiatives
New mobile banking App launched Digital Banking Initiatives Call Centre brought in-house Card production brought in-house Major A dedicated Digital Contributions Banking Group (DBG) equipped with experienced resources has been Agreement established. signed for Peshawar BRT Mastercard to be ticketing
Slide 15: Digital Banking Growth
Digital Banking Growth Substantial increased in number of digital transactions Growth in registered App users Digital Transactions* Digital App users* 5.8x 4.4x Dec 21 Dec 22 Jun 23 Dec 21 Dec 22 Jun 23 *Monthly Numbers
Slide 16: Awards and Recognition
AWARDS AND RECOGNITION — @
Slide 17: Awards and Recognition
Awards and Recognition Earned international recognition – Bronze Award for year 2021 for the Best Presented Annual Report Awards at South Asian Federation of Accountants “Public Sector Banks Category” Won Third Position in the in the Best Corporate Report Award for the year 2021 in “Banking category
Slide 18: Banking on Equality
Banking on Equality BoK secured 1st Position in Small Banks category June 2023
Slide 19: Financial Highlights
FINANCIAL e e ° A HIGHLIGHTS
Slide 20: Half Yearly Results
Half Yearly Results Rs. in Million Description Var % 1H 22 1H 23 Mark-up/return/interest earned 18,729 24,778 32% Mark-up/return/interest expensed 15,205 18,801 24% Net Markup/Return/Interest Income 3,524 5,976 70% Non mark-up/interest income Fee and commission income 234 301 29% Dividend income 5 5
Slide 21: Half Yearly Results
Half Yearly Results Rs. in Million Description Variance% Dec-22 June 23 Cash and balances with treasury banks 16,274 25,944 59% Balances with other banks 3,557 9,559 169% Lendings to financial institutions 7,641 4,275 -44% Investments 173,669 181,825 5% Advances 127,515 103,233 -19% Fixed assets 5,6
Slide 22: Historical Data
Historical Data June KPIs 2017 2018 2019 2020 2021 2022 2023 Return on Net Assets - Annualized 11.4% 3.4% 10.1% 13.5% 6.4% 2.8% 20.4% Return on Assets - Annualized 0.8% 0.2% 0.5% 0.7% 0.3% 0.1% 1.0% Earnings Per Share (Rs.) 1.79 0.47 1.31 2.15 1.05 0.41 1.53 Cash Dividend Per Share (Rs.) 1.50 - 0.50
Slide 23: Historical Data
Historical Data Rs. In Million H1 Description 2017 2018 2019 2020 2021 2022 2023 Deposits 159,247 171,168 182,168 203,072 221,876 248,906 274,544 Advances (gross) 87,673 99,167 113,976 134,907 131,166 134,913 110,986 Advances (net) 83,369 95,012 109,742 129,063 124,549 127,515 103,233 Investments (n
Slide 24: Marketing: Comparative Analysis
MARKETING Comparative Analysis
Slide 25: Elevating Our Brand: A Transformative Journey
Elevating Our Brand A Transformative Journey o Achieving brand coherence, consistency, and relevance was a rigorous endeavor o Aligned our internal and external branding with global brand benchmarks o Encompassing values of culture, sports, adventure, and sustainability, marking a pivotal transforma
Slide 26: From Bank Centric Artworks to a Customer-Focused Brand
From Bank Centric Artworks with inconsistent visuals to a Customer- Focused Brand
Slide 27: The Bank of Khyber creatives
eee aa Bet The Bank of Khyber BOK Digital The Bak ofkhye MObile Banking App The Bank of! BOK Going —s Soon a) od Bank of Khyber Custodians of Rich Values 7 | th 56 SHIFTING / RELOCATION OF THE BANK OF KHYBER ISLAMIC BANKING BRANCH SHAH ALAM GATE, LAHORE Allaccount holders of The Bank of Khyber are h
Slide 28: #BankOfKhyber
it y #BankOfKhyber NX Ox JY FUNDS TRANSFER APKI Ww / : j % WITH RAAST REMITTANCE, AP KAY ; PYAARON TAK ur MEHFOOZ #BankOfKhyber CONGRATULATIONS TEAM PAKISTAN GOP 7Q THERNALS a HAR JAGAH HAR PAL AISEOS Download now www.bok.com.pk
Slide 29: Old Branch Fascia New Branch Fascia
Old Branch Fascia New Branch Fascia 26/09/23 29
Slide 30: Old Branch Interior New Branch Interior
Old Branch Interior New Branch Interior 30
Slide 31: Old App User Interface New App User Interface
Old App User Interface New App User Interface
Slide 32: Co-branded Content
Co-branded Snippet and Teaser Posts Content 326K Reach 193K Video Views Key Take Away Audiences engages on the same content on two separate pages allows for a much higher collective reach and engagement Episodes Content 381K Reach 218K Video Views
Slide 33: Sponsorship Campaigns
Sponsorship Campaigns Key Take Away Audience is more receptive towards brands leveraging 33 current trends leading to more brand engagement Product Connect Posts Audience Engagement Posts Announcement Video Posts 11.1K Engagement 52K Engagement 6.2M Reach 481K Reach 811K Reach 2.3M Video Views
Slide 34: Human Connect
Human Connect Key Takeaways Human emotions 34 and patriotism in content engagement 1K Engagement 187K Reach 219K Reach 48.6K Views 319K Reach 49K Views
Slide 35: Products & Services
Products & Services 35 201 Engagement 370 Engagement 767K Reach 114K Reach 135K Reach 171K Views Leads: 1000+ Leads: 300+ Leads: 1000+
Slide 36: Encompassing our audience with more than a post
Before After Encompassing our audience with more than a post VS Key Take Away Instead of just a post, using our platform to showcase an entire theme (logos, cover photos, posts, etc.) gives the audience the feeling that they’re with us on these occasions resulting in higher interest 192 Engagement 2
Slide 37: Using language and pictures to connect with the audience
Before After Using language and pictures to connect with VS the audience Key Take Away Correct targeting and content that explains the story results in greater audience interest 276 Engagement 2.5K Engagement 3.7K Engagement 61K Video Views 10.8K Reach 319K Reach 690K Reach 152K Reach
Slide 38: Impact on Social Media
IMPACT Z ON\ SOCIAL MEDIA
Slide 39: Follower Growth Across Social Media Channels
Facebook Followers Twitter Followers 140% 119% 107,771 5,840 Follower Growth Across 44819 2661 Social Media Dec – 21 * Sept - 23 Dec – 21 * Sept - 23 Channels Instagram Followers LinkedIn Followers Paid promotions are only 22,600 3,864 run on Facebook and 318% 1276% Instagram Growth on Twitter and L
Slide 40: Followers per Social Media Platform
Age Breakdown Customer Affinities 51.20% Banking, Digital Wallets, Online Payments, Ecommerce, Digital Banking Followers per Platforms 19.90% 17.30% Social Media 1.30% 3.80% 1.10% 0.20%3.60%0.10% 0.90%0.10%0.50% 107,771 3,864 5,840 Overall Metrics Women Women Women Women Women Women Men Men Men Men
Slide 41: Disclaimer
Disclaimer The information being presented herein is exclusively for information and is not an offer or solicitation or an offer to buy any security or any investment/disinvestment decision. Except the historical information contained herein, certain statements in this presentation constitute ‘forwa
Slide 42: Thank You
THANK YOU
The Bank of Khyber — Investor Presentation (September 2023) on 6ix