Bank Al Habib Ltd. · PSX:BAHL
Bank Al Habib — Investor Presentation (November 2024)
29 slides from Bank Al Habib's investor presentation, November 2024
Slide 1: Corporate Briefing 2024
CORPORATE |! BRIEFING 2024
Slide 2: BAHL Overview
BAHL-OVERVIEW Incorporation & Global Presence PBT Credit Rating Branches Operations Beginning Date Bahrain, Malaysia, October 1991 PKR 63.1 Billion AAA (Long Term) 1202 Türkiye, UAE, China & A1+ (Short Term) January 1992 Kenya Total Assets Deposits Advances Market Share Equity (excl surplus) 6.89% i
Slide 3: Bank Al Habib Limited & Subsidiaries
BANK AL HABIB LIMITED & SUBSIDIARIES
Slide 4: Board of Directors
BOARD OF DIRECTORS Abbas D. Habib Chairman Adnan Afridi Anwar Haji Karim Arshad Nasar Farhana Mowjee Khan Humayun Bashir Mohammad Rafiquddin Mehkari Murtaza H. Habib Qumail R. Habib Executive Director Syed Mazhar Abbas Mansoor Ali Khan Chief Executive
Slide 5: 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 6: Core Values
a CORE VALUES Respect for people | Relationships of Trust | | Service to Customers | | Simplicity in Everything | Culture of Ownership " [Communication & Cooperation |
Slide 7: Network
2 a NETWORK BRANCHES : 1202 Domestic Branches : 1199 No. Of Cities Covered uBIG CITY : 649 22% jm SMALL CITY ; 285 m= Conventional : 939 a | ko ~ Islamic : 263 i 2020 2021 2022 2023 2024 SEaETSiap Bahrain Foreign Representative Offices: 4 i — esomcocs a el Malaysia Booth : oe 9 he
Slide 8: Key Performance Highlights
KEY PERFORMANCE HIGHLIGHTS PBT PAT Total Assets Total Deposits Rs. 63.1 Bln Rs. 33.1 Bln Rs. 3,052Bln Rs. 2,222 Bln 13% YoY 11.33% YTD 14.91% YTD 19.10% YoY Investment - NET Equity Advances - NET (Before Revaluation) CD/TD Rs. 1,815 Bln Rs. 767.8 Bln Rs. 129.5 Bln 37% 11.69% YTD 20.66% YTD 15.73% YT
Slide 9: Key Performance Highlights
KEY PERFORMANCE HIGHLIGHTS Earning Per Book Value Dividend Share Per Share Rs. 11.6 Rs. 29.74 Rs. 116.52 YTD NPL Ratio Branches CAR Opened to date 19.6% 4.30% 89
Slide 10: Financial Ratios
FINANCIAL RATIOS Gross ADR PAT To PAT To ASSETS SHAREHOLDER FUND 36.6% 1.52% 36.48% YOA COD SPREAD (Adv – Dep) 15.39% 11.9% 3.49% Net Interest Fee & Cost To Margin Commission Income 116.6Bln 43.6% Rs. Rs. 13.7 Bln 37.38% YoY 32.3% YoY
Slide 11: Performance Trend
PERFORMANCE TREND 2,500 2,222 1,000 2,000 1,934 869 815 768 1,568 734 1,500 1,310 1,100 489 510 904 500 1,000 500 - - 2019 2020 2021 2022 2023 Sep-24' 2019 2020 2021 2022 2023 Sep-24'
Slide 12: Performance Trend
PERFORMANCE TREND 129 120 112 3,500 110 3,052 100 94 3,000 2,741 90 84 80 2,500 2,272 70 70 2,000 1,850 60 55 1,522 50 1,500 1,299 40 1,000 30 20 500 10 - - 2019 2020 2021 2022 2023 Sep-24' 2019 2020 2021 2022 2023 Sep-24'
Slide 13: Performance Trend
PERFORMANCE TREND 39.80 116.50 35.23 100.10 84.89 75.19 62.60 16.03 16.83 14.91 49.93 10.05 * September 2024 EPS is annualized
Slide 14: Deposit Mix – As on September 30, 2024
DEPOSIT MIX – AS ON SEPTEMBER 30, 2024 Rs. In Billion Fixed Deposits Current Accounts - 284 Non Remunerative 13% 816 37% Current Accounts - Saving Deposits Remunerative 883 240 40% 10%
Slide 15: Investment Mix – As on September 30, 2024
INVESTMENT MIX – AS ON SEPTEMBER 30, 2024 Rs. In Billion Mutual Funds 4.0 0.22% Others 2.8 0.15% PIB's 1,528.9 84.26% TFCs / Sukuk 278.1 15.33% Ordinary Shares 0.8 0.04%
Slide 16: Advances by Segments – As on September 30, 2024
ADVANCES BY SEGMENTS – AS ON SEPTEMBER 30, 2024 Wholesale and Retail Trade Food and Allied Textile 5% 35% 12% Power (electricity), Gas, Water, Sanitary 5% Individuals 4% OTHERS 30% Chemical and Iron & Steel Pharmaceuticals 5% 4%
Slide 17: Industry Growth & Market Share
INDUSTRY GROWTH & MARKET SHARE % Sep-24 Sep-23 Dec-23 Deposits & Advances Pak BAHL BAHL Pak BAHL BAHL Pak BAHL BAHL Growth Growth Share Growth Growth Share Growth Growth Share Deposits 12.58% 16.31% 6.89% 17.14% 22.95% 6.99% 23.92% 24.16% 6.67% Advances 3.82% (6.96%) 6.47% (0.77%) 8.37% 7.53% 3.56%
Slide 18: Islamic Banking Performance
ISLAMIC BANKING PERFORMANCE PBT Total Assets Total Deposits Rs. 18.3 Bln Rs. 402.5Bln Rs. 276.6Bln 57.37% YoY 16.24% 8.36% YTD YTD Branches Advances - NET 263 Windows Rs. 103.9Bln 30.9% YTD 18 8.91% YTD 62 Branches Opened to Date
Slide 19: Products & Services
AL HABIB LIMITED PRODUCTS & SERVICES
Slide 20: Mobile Banking / Mobile App
MOBILE BANKING/ MOBILE APP Card WHT Management Certificate 1.5 Million+ Mobile App Users
Slide 21: Debit / Credit Card
DEBIT/ CREDIT CARD Debit Credit Card Card Visa Signature UnionPay Debit Card PayPak Debit Card Mastercard Gold Visa Platinum Visa Gold Mastercard Classic Visa Silver
Slide 22: Al Habib Limited Products
AL HABIB LIMITED PRODUCTS AL Habib Woman Social Media Presence AL Habib Woman offers a host of accounts customized AL Habib has over 1 million plus presence on to meet your daily and long-term needs. It is a banking different social media platforms such as Facebook , platform tailored exclusively fo
Slide 23: Al Habib Digital Accounts
AL HABIB DIGITAL ACCOUNTS AL Habib Digital Accounts CURRENT SAVINGS • Asaan Digital Account • Asaan Digital Account • Digital Account • Digital Account • Remit Current Digital • Remit Saving Digital • Woman Digital • Woman Digital Asaan FOREIGN CURRENCY • Roshan Digital Account Saving • Roshan Digit
Slide 24: POS Machines
POS MACHINES 17K+ POS Machines 55 Million+ Transactions Rs. 297 Billion+ Of Business through POS * Over 17,000 POS machines are installed at different point of sales in association with Wemsol
Slide 25: Al Habib Bank on Wheels
AL HABIB BANK ON WHEELS Services for Everyone Services Exclusively for Bank AL Habib Customers
Slide 26: Balance Sheet – Assets
BALANCE SHEET – ASSETS Rs. In Million Change over Dec-23 Change over Dec-22 Change over Dec-22 Sep-24 Sep-23 Dec-23 Amount % Amount % Amount % Cash & Banks 183,514 35,117 23.66% 153,330 44,099 40.37% 148,397 39,166 35.86% Lending to FI - (1,650) (100.00%) 2,460 (13,109) (84.20%) 1,650 (13,919) (89.4
Slide 27: Balance Sheet – Liabilities
BALANCE SHEET - LIABILITIES Rs. In Million Change over Dec-23 Change over Dec-22 Change over Dec-22 Sep-24 Sep-23 Dec-23 Amount % Amount % Amount % Bills Payable 29,175 (18,908) (39.32%) 26,091 (18,765) (41.83%) 48,083 3,227 7.19% Borrowings 466,975 (10,463) (2.19%) 301,484 (117,505) (28.04%) 477,43
Slide 28: Profit & Loss Account
PROFIT & LOSS ACCOUNT Rs. In Million Change over Sep-23 Change over Sep-22 Change over Dec-22 Sep-24 Sep-23 Dec-23 Amount % Amount % Amount % Mark up / Interest Earned 365,016 103,671 39.67% 261,345 128,535 96.78% 373,902 172,981 86.09% Mark up / Interest Expensed 248,440 71,950 40.77% 176,490 97,93
Slide 29: Thank You
Thank You
Bank Al Habib — Investor Presentation (November 2024) on 6ix