Habib Bank Limited · PSX:HBL
Habib Bank — FY2016 Earnings Presentation
10 slides from Habib Bank's earnings presentation, December 2016
Slide 1: Financial Results – December 2016 Investor Presentation
Financial Results – December 2016 Investor Presentation 0
Slide 2: Key Highlights
Key Highlights Consolidated PAT is Rs 34.2 Bn, 3% lower than 2015 • PBT is Rs 56.5 Bn, 6% lower than 2015 due to one-off capital gains realized last year. Excluding capital gains, PBT is 4% higher than for 2015 and PAT is 10% higher. Net interest income has increased by 5% YoY to Rs 82.0 Bn in 2016
Slide 3: Key Highlights
Key Highlights Administrative expenses are up 12% YoY to Rs 54.4 Bn • The growth is primarily due to full impact of increase in the branch network, certain 1-off costs and the consolidation impact of First Microfinance Bank. • The cost to income ratio has increased from 42.2% in 2015 to 48.2% in 201
Slide 4: Key Highlights
Key Highlights In Dec’16, the Balance Sheet has grown by 13% over Dec’15 to Rs 2.5 trillion Deposits have increased by 15.4% over Dec’15 to Rs 1.9 trillion • Domestic current deposits have increased by 17% over Dec’15 to Rs 550 Bn, current deposit mix has improved from 34.3% in Dec’15 to 34.8% in De
Slide 5: Balance Sheet
Balance Sheet PKR Bln Dec'16 Dec'15 Var% Cash & Bank Balances 284.4 207.7 37% Lending to Financial Institutions 34.0 18.4 85% Investments 1,344.4 1,270.8 6% Performing Advances 741.8 629.8 18% Non Performing advances - net of provision 6.7 7.6 -12% Others 95.9 84.1 14% Total Assets 2,507.2 2,218.4 1
Slide 6: Net Advances
Net Advances Loan portfolio composition by line of business International Advances – Location wise Others 14.3% International 22.0% Corporate Mauritius 46.2% 1.7% Bangladesh UAE 3.5% 43.0% Net loans: Bahrain 9.6% Net loans: Others PKR748Bn PKR165Bn 8.0% Oman Consumer 6.0% 5.2% Agriculture Singapore
Slide 7: Deposits
Deposits Growth in Period End Deposits Growth in Average Deposits 2016 2015 PKR Bln Dec'16 Dec'15 Var% PKR Bln Var% (Actual) (Actual) Current 549.7 469.0 17% Current 461.7 388.0 19% Saving 800.1 701.9 14% Saving 737.1 663.9 11% Term 228.2 196.2 16% Term 173.2 209.3 -17% Domestic 1,578.1 1,367.2 15%
Slide 8: Income Statement
Income Statement 2016 2015 PKR Bn Var% (Actual) (Actual) Interest Income 141.1 141.1 0% Interest expensed (59.1) (62.9) 6% Net Interest Income 82.0 78.2 5% Capital Gain 5.3 11.1 -52% NFI Ex Capital Gain 25.7 25.5 1% Non Interest Income 31.1 36.6 -15% Gross Revenue 113.0 114.8 -2% Admin Expenses (54.
Slide 9: Non Fund Income
Non Fund Income 2016 2015 PKR Mln Var% (Actual) (Actual) Fee, commission and brokerage income 18,653 17,194 8% Dividend income 1,286 1,543 -17% FX Income 1,399 2,749 -49% Share of profit of associates and joint venture 3,768 3,399 11% Other income 625 639 -2% Gain on sale of securities 5,330 11,060
Slide 10: Key Ratios
Key Ratios Balance Sheet Ratios Ratios Dec'16 Dec'15 Advances : Deposits 43.3% 43.2% Asset Quality 9.2% 10.9% Coverage 91.2% 90.1% Capital Adequacy 15.5% 17.0% Ratios 2016 2015 Yield on advances 8.0% 8.4% Cost of deposits 2.5% 3.2% Net Interest Margin 4.3% 4.6% Spreads 3.6% 3.8% NCL ratio 0.1% 0.8%