Heartland Group Holdings Ltd. · NZX:HGH
Heartland — Heartland Bank — Investor Presentation (December 2016)
11 slides from Heartland's investor presentation, Dec 12, 2016
Slide 1: Investor Presentation
Investor Presentation 12 December 2016
Slide 2: Important notice
Important notice The information in this document and any information provided during any presentation of this document (collectively, Information) has been compiled solely to provide interested parties with further information about Heartland Bank Limited (Heartland). No part of it may be reproduce
Slide 3: Introduction
Introduction Capital Raise • Heartland Bank Limited (“Heartland”) is experiencing strong growth in receivables and is undertaking a capital raise to support continued asset growth • Heartland reaffirms previous market guidance for forecast FY17 NPAT of $57m - $60m 1 Placement • Heartland is consider
Slide 4: Receivables growth
Receivables growth Heartland has achieved strong growth whilst maintaining credit quality Net finance receivables (NZ$m) 3,500 3,245 Borrowings composition 3,114 as at 30 September 2016 2,862 3,000 2,607 932 899 2,500 804 2,078 2,010 685 2,000 105 49 552 605 410 488 540 549 1,500 432 456 407 420 479
Slide 5: Capital
Capital Equity raised will strengthen Heartland’s capital ratio providing headroom to support future asset growth • Heartland is required to hold capital equal to 10.5% of risk-weighted assets 1 Capital Raise An equity raise of NZ$30m will strengthen Heartland’s 30 November 2016 capital ratio by ~0.
Slide 6: About Heartland
About Heartland A New Zealand registered bank with operations in New Zealand and Australia Listed Bank Listed on the NZX Main Board in February 2011 and obtained New Zealand bank registration in December 2012 Strategy Pursue opportunities where it can provide innovative products in niche areas withi
Slide 7: Strategy
Strategy To provide innovative 'best or only' banking products in niche markets that are under-serviced by the major banks Target markets Emerging Growing Neglected Provide a frictionless Provide a personal Provide a fast and digital experience to the service to 65+, a growing responsive emerging mi
Slide 8: Divisional overview
Divisional overview Heartland’s business focuses on three key sectors: household (consumer and Seniors Finance), business and rural Consumer Seniors Finance Business Rural Market leading Specialist provider of Leading provider of reverse Single solution for plant/ Term loans to farmers in the positi
Slide 9: Historic financial performance
Historic financial performance Interest margin comparison to peers Total shareholder return vs NZX50 for quarter ended 30 June 2016 as at 30 November 2016 5.0% 4.53% 300 1 Share Price / Index Value HBL: +125.2% 4.0% 240 3.0% 2.57% 2.51% 2.24% 2.22% 2.15% 2.12% 2.02% 2.02% 180 2.0% 120 1.0% NZX50: +4
Slide 10: Funding and liquidity
Funding and liquidity • Heartland maintains a sufficient portfolio of Liquidity position (NZ$m) as at 30 September 2016 liquid assets to ensure it is able to repay 371 liabilities when they fall due Undrawn committed 80 295 facilities 75 Bank senior bonds and • Heartland holds and manages its fundin
Slide 11: Other
Other Digital Platforms The digital platforms we have launched to date are set out below: • Application for depositors: https://www.heartland.co.nz/investments • Heartland Seniors Finance lead generation portal accessed via Seniors Finance website: https://www.seniorsfinance.co.nz/ • Open for Livest
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