Bank Al Habib Ltd. · PSX:BAHL
Bank Al Habib — Investor Presentation (2023)
28 slides from Bank Al Habib's investor presentation, 2023
Slide 1: Corporate Briefing 2023
CORPORATE ||! BRIEFING 2023
Slide 2: Introduction
INTRODUCTION *As on 30 Sep 2023 (Branches, cities and International Presence as of today)
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 Javed Iqbal 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: Highlights September 30, 2023
HIGHLIGHTS SEPTEMBER 30, 2023
Slide 8: Network
2 a NETWORK BRANCHES : 1103 Domestic Branches ; 1101 No. Of Cities Covered uBIG CITY : 619 = SMALL CITY : 253 } RURAL : 200 = Conventional : 910 UNBANK : 29 m Islamic : 193 2019 2020 2021 2022 2023 No. Of ATMs: 1328 Foreign Representative Offices: 4 Off-site : aie china If Turkiye | UAE J Kenya “ Ma
Slide 9: Key Performance Highlights
KEY PERFORMANCE HIGHLIGHTS PBT PAT Total Assets Total Deposits Rs. 52.9Bln Rs. 29.3 Bln Rs. 2,514Bln Rs. 1,912 Bln 95.63% YoY 10.65% YTD 21.94% YTD 83.5% YoY Investment - NET Equity Advances - NET (Before Revaluation) CD/TD Rs. 1,235 Bln Rs. 874 Bln Rs. 111 Bln 38% 7.45% YTD 6.60% YTD 17.92% YTD
Slide 10: Key Performance Highlights
KEY PERFORMANCE HIGHLIGHTS Earning Per Book Value Dividend Share Per Share Rs. 9.0 YTD Rs. 26.35 Rs. 100.1 NPL Ratio Branches CAR Opened to date 15.81% 1.86% 25
Slide 11: Financial Ratios
FINANCIAL RATIOS Gross ADR PAT To PAT To ASSETS SHAREHOLDER FUND 46.8% 1.64% 38.09% YOA COD SPREAD (Adv – Dep) 15.35% 10.26% 5.08% Net Interest Fee & Cost To Margin Commission Income Rs. 84.9Bln Rs. 10.4 Bln 48.17% 56.4% YoY 20.4% YoY
Slide 12: Performance Trend
PERFORMANCE TREND 2,500 1,000 874 815 2,000 1,912 734 1,568 1,500 1,310 489 510 1,100 500 478 1,000 797 904 500 - - 2018 2019 2020 2021 2022 Sep-23 2018 2019 2020 2021 2022 Sep-23
Slide 13: Performance Trend
PERFORMANCE TREND 120 111 3,000 110 2,514 100 94 2,500 2,272 90 84 80 2,000 1,850 70 70 1,522 60 55 1,500 1,299 46 50 1,048 40 1,000 30 500 20 10 - - 2018 2019 2020 2021 2022 Sep-23 2018 2019 2020 2021 2022 Sep-23
Slide 14: Performance Trend
PERFORMANCE TREND 35.23 100.10 84.89 75.19 62.60 16.03 16.83 14.91 49.93 41.64 10.05 7.57 * September 2023 EPS is annualized
Slide 15: Deposit Mix – As on September 30, 2023
DEPOSIT MIX – AS ON SEPTEMBER 30, 2023 Rs. In Billion Current Accounts - Fixed Deposits Non Remunerative 272 720 14% 38% Current Accounts - Saving Deposits Remunerative 667 253 35% 13%
Slide 16: Investment Mix – As on September 30, 2023
INVESTMENT MIX – AS ON SEPTEMBER 30, 2023 Rs. In Billion Inves TFCs Mutual Funds Ordina 3.8 PIB's 0.31% Market Treasury Bills Mutua 35.0 Marke 2.83% Others Others PIB's 12.8 982.5 1.04% 79.55% TFCs / Sukuk 197.8 16.02% Ordinary Shares 3.1 0.25%
Slide 17: Advances by Segments – As on September 30, 2023
ADVANCES BY SEGMENTS – AS ON SEPTEMBER 30, 2023 Wholesale and Retail Trade Textile 13% 33% Food and Allied 20% Power (electricity), Gas, OTHERS Water, Sanitary 19% 5% Chemical and Individuals Pharmaceuticals Iron & Steel 4% 2% 4%
Slide 18: Industry Growth & Market Share
INDUSTRY GROWTH & MARKET SHARE Sep-23 Sep-22 Dec-22 Pak BAHL BAHL Pak BAHL BAHL Pak BAHL BAHL Growth Growth Share Growth Growth Share Growth Growth Share Deposits 17.14% 23% 6.99% 8.81% 20% 6.53% 7.13% 20% 6.66% Advances (0.77%) 8% 7.53% 9.66% 14% 7.35% 18.41% 15% 6.89% * Domestic operations only
Slide 19: Islamic Banking Performance
ISLAMIC BANKING PERFORMANCE PBT Total Assets Total Deposits Rs. 11.9 Bln Rs. 318Bln Rs. 238Bln 133.26% YoY 21.6% YTD 34% YTD Branches Advances - NET 194 Windows Rs. 107.1Bln 8.4% YTD 150 5.8% YTD 16 Branches Opened to Date
Slide 20: Debit/Credit Cards
DEBIT/ CREDIT CARDS Debit Credit Card Card PayPak Debit Card UnionPay Debit Card Visa Silver Mastercard Classic Apna UnionPay Visa Gold Mastercard Gold Debit Card Visa Platinum
Slide 21: Mobile Banking/Mobile App
MOBILE BANKING/ MOBILE APP Card WHT Management Certificate 1 Million+ Mobile App Users
Slide 22: Al Habib Limited Products
AL HABIB LIMITED PRODUCTS AL Habib Woman AL Habib Pay Accounts AL Habib Woman offers a host of accounts customized to meet your AL Habib At Work aims to address the banking needs of employees daily and long-term needs. It is a banking platform tailored of an organization, by providing convenient acc
Slide 23: POS Machines
POS MACHINES 13K+ POS Machines 40 Million+ Transactions Rs. 200 Billion+ Of Business through POS * Over 13,000 POS machines are installed at different points of sales in association with Wemsol
Slide 24: Al Habib Bank on Wheels
AL HABIB BANK ON WHEELS Services for Everyone Services Exclusively for Bank AL Habib Customers
Slide 25: Balance Sheet - Assets
BALANCE SHEET - ASSETS Rs. In Million Change over Dec-22 Change over Dec-21 Change over Dec-21 Sep-23 Sep-22 Dec-22 Amount % Amount % Amount % Cash & Banks 153,330 44,099 40.37% 119,381 (5,959) (4.75%) 109,231 (16,109) (12.85%) Lending to FI 2,460 (13,109) (84.20%) 37,001 16,937 84.41% 15,569 (4,495
Slide 26: Balance Sheet - Liabilities
BALANCE SHEET - LIABILITIES Rs. In Million Change over Dec-22 Change over Dec-21 Change over Dec-21 Sep-23 Sep-22 Dec-22 Amount % Amount % Amount % Bills Payable 26,091 (18,765) (41.83%) 24,619 (5,185) (17.40%) 44,856 15,052 50.50% Borrowings 301,484 (117,505) (28.04%) 357,171 54,958 18.19% 418,989
Slide 27: Profit & Loss Account
PROFIT & LOSS ACCOUNT Rs. In Million Change over Sep-22 Change over Sep-21 Change over Dec-21 Sep-23 Sep-22 Dec-22 Amount % Amount % Amount % Mark up / Interest Earned 261,345 128,535 96.78% 132,810 47,157 55.06% 200,921 84,169 72.09% Mark up / Interest Expensed 176,490 97,934 124.67% 78,556 34,245
Slide 28: Thank You
Thank You