Habib Bank Limited · PSX:HBL
Habib Bank — Q1 2022 Earnings Presentation
7 slides from Habib Bank's earnings presentation, Apr 21, 2022
Slide 1: Q1'22 performance review
Habib Bank Limited Q1’22 performance review Investor Presentation April 21st, 2022 1
Slide 2: HBL Digital – Throughput touching nearly Rs 2.8 trillion in Q1'22, up 64% YoY
HBL Digital – Throughput touching nearly Rs 2.8 trillion in Q1’22, up 64% YoY HBL Konnect – volumes more than MB/IB – volumes continue to grow, user Monthly Active Users Mix Digital throughput composition Mobile App – MAUs levels at 64%+ doubled, with customer base now at 7.4m base increased to 2.7m
Slide 3: Core business segments continuing their growth story
Core business segments continuing their growth story 1 1.7 million+ customers added 2 3 85% growth in Secondary Market Strong Consumer lending momentum Volumes – market share up to 35% Customers 6% growth 8% growth 85% growth Volumes 27.4 M 29.1 M Rs 102 B Rs 110 B Rs 2,469 B Rs 4,562 B Dec’21 Mar’2
Slide 4: HBL's fortress balance sheet at > 4.5 trillion, up 5% over Dec'21
HBL’s fortress balance sheet at > 4.5 trillion, up 5% over Dec’21 Deposits at Rs 3.2T, down 6% Current deposits up 2% to Rs 1.2T Deposits Rs in B Rs in B INT DOM INT DOM 1,194 ➢ Domestic deposits declined by 6.2% to Rs 2.9T, 3,382 1,171 due to shedding of expensive deposits. 3,194 331 156 331 154 ▪
Slide 5: PBT and PAT flat to Q1'21 levels of Rs 14.6b and Rs 8.6b respectively
PBT and PAT flat to Q1’21 levels of Rs 14.6b and Rs 8.6b respectively Group Domestic business International Ex. severance, PBT up 18% to Rs 17.1b Rs in B Rs in B 18.0 $ ‘000s Q1'22 Q1'21 ➢ Domestic PBT up 17% to Rs 18.0b driven from strong revenue growth 2.6 15.3 (1,748) ➢ International loss reduced
Slide 6: Lending portfolio remains resilient
Lending portfolio remains resilient Loan Portfolio composition by line of business International Loan Portfolio – location wise International Others 18% UK 9% Maldives 22% Corporate 3% 42% Others Belgium 4% 2% Rs 1,564 China $ 1,570 HBL MFB billion 6% 4% million Singapore Islamic 9% 13% Agriculture
Slide 7: Consistently improving on all key indicators
Consistently improving on all key indicators ADR trend continues to improve CAR declined on account of balance sheet growth and NIMs improved to 5.0% due to full quarter impact of a continued rupee devaluation 2021 rate hikes Dom Group Standalone* 3 00 17.2% 19.0% 160 .0% 51.0% 15.6% 15.3% 17.0% 10.