Bankislami Pakistan Limited · PSX:BIPL

Bankislami Pakistan — Investor Presentation (September 2020)

28 slides from Bankislami Pakistan's investor presentation, September 2020

  1. Slide 1: Corporate Briefing Session

    Corporate Briefing Session BanklIslami SS September 2020 Achievements & New Initiatives Introductory Briefing | Key Highlights

  2. Slide 2: Introductory Briefing - as of September 2020

    BankIslami (8) Introductory Briefing- as of September 2020

  3. Slide 3: Major Credentials

    BankIslami W) 1 Serving You the Right Way Major Credentials As of September 30, 2020 Introduction or ww Cities Covered 121 Major Sponsors 1. Ali Hussain/SAJ 24.37% Headquarters 2. Jahangir Siddiqui & Co. Ltd. 21.26% Karachi 3. Ahmed/Shabbir Randeree 14.25% 7 ATMs -~-. a 4. Dubai Bank PJSC 13.01% 330

  4. Slide 4: Assets & Finances

    a Assets & Finances GUNES PKR 307 bn PKR 254 bn PKR 135 bn Capital Adequacy Ratio vy Wr, ww 19.37% Banklslami S38) e e Staff Strength 2,613 O} Client Relationships NM 847,480

  5. Slide 5: Distribution Network

    Bankislami W8) Distribution Network 360 340 340 330 330 334 "© 321 _* oo 320 a7 __ Br 300 / 280 / 260 / 240 / 220 vi 2 e 200 291 — Branches 180 2013 2014 = =—.2015 2016 2017 2018 2019 2020 Year * Branch network covering 121 cities Branch Expansion Trend

  6. Slide 6: Banking Facilities

    BankIslami Sy the Right Way Banking Facilities Consumer and Retail Banking Business Banking CASA Deposits Term Deposits Bancatakaful Auto Finance Housing Finance Mobile/Internet Banking Debit Card Corporate Banking SME Banking Agri Finance Investment Banking Cash Management Trade Finance Treasury Pr

  7. Slide 7: Highlights of Financial Position, Highlights of Profit & Loss

    | Highlights | of Financial Position, Highlights 3a of Profit &

  8. Slide 8: Financing and Financial Position

    Financing Gross Financing o ext ABA mt Consumer Financing Composition BS hex Non-Performing Loans Infection Ratio Sept 2020 Total 11.9% Islamic Portfolio 7.3% 81.6% aks NPL t I Coverage Ratio Banklslami 3) Financial Position Investments Shares/Investment in Asso. & Subs. 2.40% a | Federal Govt. Secu

  9. Slide 9: Profitability & CAR

    Profitability & CAR Operating Profit - Ratio Bankdslami (3) Net Income Margin :: Annual Admin _ Per Branch po ia 21m es | PKR 23M Ge exe 25m Capital Adequacy ” Ratio + Rs 1 Bn Rights Issue in 2019 + Rs 2 Bn ADT-1 Listed Sukuk in 2019/2020 9

  10. Slide 10: Awards & Recognition, Achievements & New Initiatives

    Awards & ee Lk | Achievements & 3 a See ecognition _ New Initiatives HR Initiatives

  11. Slide 11: Brand of the Year 2019 - Islamic Banking

    Brands Foundation awarded Banklslami Pakistan with the honor of BRAND OF THE YEAR 2019 - in the category of Islamic Banking. Banklslami W8) 11

  12. Slide 12: 12

    12

  13. Slide 13: 9th Annual CSR Summit & Awards

    9th Annual CSR Summit & Awards' Committee awarded Banklslami in the category of; - Sustainability Initiatives, + Green environment ownership and * Social Impact Banklslami “)

  14. Slide 14: Pakistan IP Excellence Award 2020

    Brand Foundation with Intellectual Property Association Of Pakistan (IPAP) awarded Banklslami with PAKISTAN IP EXCELLENCE AWARD 2020. Banklslami SS) RECOGNITION OF GONOUR ‘Dancer at S) Sanka [BANKISLAMI PAKISTAN LTD, coin he egret PAKISTAN IP |) EXCELLENCE J AwARD 2020 sae cert te Maem 14

  15. Slide 15: HR Initiatives

    Serving Yu the Right Way BankIslami SS) HR Initiatives Hospitalization Coverage For Parents Rain Emergency Relief Pay Continuation Benefit In Addition To Life Takaful In-House Out Patient Service Hajj Policy Hes)

  16. Slide 16: Financial Performance for the Bank

    Financial Performance for the Bank Investmen Portfolio Nine Months Operating Results im Operating @ Results

  17. Slide 17: Investment Portfolio

    Investment Portfolio PKR in millions Sep-20 2019 2018 60,173 55,194 38,832 Description Investments Investment Composition - September 2020 Shares / Mutual Fund Units / Asso. 2.40% Federal Government Securities 32.20% >. Pakistan Energy Sukuk 53.10% lon Govt. Fixed Income Securities 12.30% ~ BankIsla

  18. Slide 18: Total Financing Portfolio - Net

    Rupees in ‘Million’ BankIslami SS 1 Serving You the Right Way Total Financing Portfolio - Net 134,791 Total Portfolio-Net @ dec-18 (| Dec-19 @ Sep-20

  19. Slide 19: Financing Portfolio

    BankIslami Qe 1m Serving You the Right Way Financing Portfolio @ Sept-20 @ Dec-19 @ Dec-18 Sept'20 vs Dec'l9 70,000 [Description [_sept-20 | Dec-i9 | Dec-i8 Variance | % was Rupees in ‘Million ” Corporate / SME / Agri 60,044) 63,529 61,282 (3,485)| -5.5% -< 50,000 GoP 52,767 45,226 32,756 7,541 | 16

  20. Slide 20: NPLs and Provision Trends

    NPLs and Provision Trends BankIslami 1 Serving You the Right Way NPL Trend - Islamic Portfolio Provision Coverage -Islamic * . . Ram Lomejed 7 10 736 7 new 8 : 238 ; ee rn 1 saw 609 s / a 7 i 5.3% | 545 5 / 50 4 . an 2 A g A 4 é ‘ oe es ae & 2 a 4 5, a ass Hl a, 20 H a 2g 2 nz 2 227 © ° 1 10 , 168 o

  21. Slide 21: Deposit Growth and Trends

    Deposit Growth 260 240 20 200 180 160 140 120 100 254 229 179 | 185 154 80 20 ° 2014 «201520162017, 0120192020 ig 8 © Tota Deposits- Rupees in lion @ YoY Growth % Deposits - Products 100 90 Tem Deposits | Savings Deposits | Crrent epost @ sep20 @ dec19 YoY Growth % Deposit Trends CASA - Rupees in Bi

  22. Slide 22: Nine Months Profit & Loss Account

    Nine Months Profit & Loss Account @ Net spread earned () Non Funded Income @ Operating (Loss) / Profit Before Tax & Provision 9,945 4,795 2,000 4,000 6,000 8,000 10,000 Rs. in million BanklIslami Sy Description |[_sep-20 |[_sep-19_] Rupees in Million Profit Earned 20,523 16,094 Profit Expensed 10,57

  23. Slide 23: Quarterly Operating Results

    Quarterly Operating Results Profit Before Tax & Provision Q3'19 - Sep 2019 Q4'19- Dec 2019 Q1'20 - Mar 2020 Q2'20 - Jun 2020 Q3'20 - Sep 2020 |1,382 O} 200 400 600 800 1,000 1,200 1,400 1,600 1,800 2,000 Rupees in Million Description Profit Earned Profit Expensed Net spread earned Other Income Fee a

  24. Slide 24: Ratios

    BankIslami os) 1 Serving You the Right Wey Ratios Heads Sep-20 Dec-19 Dec-18 Net Spread Ratio 48.46% 45.62% 49.43% Net Income Margin - NIM 5.47% 5.29% 3.35% Cost to Income Ratio 57.35% 62.73% 93.98% Administrative Expenses Per Branch (Rs. in Mn) 24.5 * 23.1 20.6 Return on Average Equity 14.73% 7.84%

  25. Slide 25: Six Years' Financial Position Summary

    Six Years' Financial Position Summary 2015-2029 Statement of Financial Position

  26. Slide 26: Six Years Profit and Loss Account

    Six Years Profit and Loss Account Profit & Loss Account Sept'2020 Profit/return Earned 20,524 Profit/return Expensed 10,579 Net Spread earned 9,945 Fee,commission, brokerage & exchange Income 961 Dividend and capital gains 249 Other Income 86 Total Other Income 1,295 Total Income 11,240 Expenses 6,4

  27. Slide 27: Six Years Statement of Financial Position

    Six Years Statement of Financial Position Banklslami WS) id FIEUDES Rupees in Million Statement of Financial Position Sept'2020 ©2019 2018 2017 2016 2015 Paid up capital 11,008 11,008 10,000 10,000 10,000 10,000 Reserves 1,186 1,188 969 926 614 523 Unappropriated profit / (loss) 4,642 2,876 1,695 1,

  28. Slide 28: Thank you.

    Thank you. Team Banklislami Banklslami S28 28

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