Habib Metropolitan Bank Limited · PSX:HMB
Habib Metropolitan Bank — Investor Presentation (March 2025)
26 slides from Habib Metropolitan Bank's investor presentation, March 2025
Slide 1: Corporate Briefing Session FY2024
CORPORATE BRIEFING SESSION FY2024
Slide 2: Table of Contents
TABLE OF CONTENTS 03 VISION & VALUES 04 GROUP 05 BANK OVERVIEW 09 FINANCIAL PERFORMANCE 24 FOCUS AREAS 25 AWARDS
Slide 3: Vision & Values
VISION & VALUES To Be The Most Respected Financial Institution Based On Trust, Service And Commitment 3
Slide 4: Group
GROUP HABIB BANK AG ZURICH HABIB METROPOLITAN BANK LIMITED * (1992) HABIB METROPOLITAN MODARBA HABIB METRO EXCHANGE HABIB METROPOLITAN FINANCIAL MANAGEMENT COMPANY SERVICES LIMITED SERVICES LIMITED (PRIVATE) LIMITED (2023) (2007) (2017) FIRST HABIB MODARABA * (1985) * Public listed companies. 4
Slide 5: Bank Overview
BANK OVERVIEW
Slide 6: HMB @ Stock Market
HMB @ STOCK MARKET 2024 2023 2022 Share Outstanding(mn) 1,047.8 1,047.8 1,047.8 Market Capitalization(PKR bn) 91.2 58.0 35.6 Average Daily Turnover 249,124 401,325 184,075 Closing Stock Price 87.0 55.3 34.0 Stock Price High/Low 90.2/51.0 60.0/27.3 49.8/33.2 6
Slide 7: Management
MANAGEMENT Khurram Shahzad Khan President & Chief Executive Business Functions Support Functions Ahmed Shah Durrani Amanullah Shaikh Fuzail Abbas Wahid Younus Dada GE – Retail Banking & CDO Head - Corporate & Transaction GE – Finance/ Chief Financial GE – Remedial Management & Banking Officer Genera
Slide 8: Strengths
STRENGTHS Loyal Customer Strong One Of The Leading Base Parent Bank Trade Finance Banks AA+ Long Term Well Capitalized Stable Non-Funded PACRA Ratings For Structure – Tier I Income 24 Consecutive Capital Years 8
Slide 9: Financial Performance
FINANCIAL PERFORMANCE
Slide 10: Financial & Other Highlights
FINANCIAL & OTHER HIGHLIGHTS YoY Growth% CURRENT DEPOSITS ADVANCES • Currency Exchange 8.3% 14.9% subsidiary launched successfully • Record Hajj Collection with 7th ISLAMIC BANKING Non-Markup Income rank in the industry CURRENT DEPOSITS 39.2% 78.2% 10
Slide 11: Balance Sheet KPIs
BALANCE SHEET KPIs PKR in Bn Total Deposits CAGR 8.0% Gross Advances & ADR% CAGR 11.0% 54.3% 51.7% 54.3% 48.7% 43.3% 1,012 927 504 881 419 455 439 681 772 331 2020 2021 2022 2023 2024 2020 2021 2022 2023 2024 ADV ADR Deposits - Current Account CAGR 16.4% Total Assets CAGR 10.2% CA Mix 32.4% 34.7% 34
Slide 12: Profitability & Earnings KPIs
PROFITABILITY & EARNINGS KPIs PKR in Bn Net Interest Income Fee Income 71.4 70.3 10.8 9.4 7.9 40.6 6.9 29.5 5.4 28.8 2020 2021 2022 2023 2024 2020 2021 2022 2023 2024 Operating Profit Profitability PBT PAT 52.0 52.7 56.7 56.8 31.1 27.6 24.4 24.7 23.5 23.5 20.0 21.5 12.0 13.5 14.3 2020 2021 2022 2023
Slide 13: Profitability & Earnings KPIs
PROFITABILITY & EARNINGS KPIs EPS Payout Ratio & Dividend Yield Dividend Per Share Payout Ratio Dividend Yield % 19.0% Rs. 4.50 Rs. 5.00 Rs. 5.25 Rs. 10.50 Rs. 12.00 15.5% 13.8% 11.5% 11.7% 23.27 23.55 11.46 12.84 13.61 39.3% 38.9% 38.6% 45.1% 51.0% 2020 2021 2022 2023 2024 2020 2021 2022 2023 2024
Slide 14: Other KPIs
OTHER KPIs Cost to Income Ratio 38.7% 42.0% 42.1% 34.6% 38.0% 2020 2021 2022 2023 2024 RoE RoA 1.7% 1.6% 30.3% 26.1% 1.3% 1.2% 23.6% 22.8% 21.0% 1.1% 2020 2021 2022 2023 2024 2020 2021 2022 2023 2024 14
Slide 15: Asset Quality
ASSET QUALITY PKR in Bn 9.2% 8.4%* 7.9% 7.6% 7.3% Robust Prudent 5.8% Lending Recoveries 5.0% 4.8% 4.5% 4.0% 29.5 26.6 25.2 21.0 21.6 21.9 19.3 19.3 19.8 16.9 Focus On Asset Quality 2020 2021 2022 2023 2024 NPLs Coverage HMB Infection Ratio Industry Avg Infection Ratio * Based on Sept-24 data 15
Slide 16: Capital Adequacy
CAPITAL ADEQUACY PKR in Bn 19.29% 18.26% 16.79% 17.6 14.61% 16.63% 16.39% 14.10% 15.16% 8.7 13.63% 13.05% 5.2 5.0 5.8 99.7 88.1 72.1 61.3 54.2 2020 2021 2022 2023 2024 Tier-I Capital Tier-II Capital Tier-1 Capital Adequacy Ratio Total Capital Adequacy Ratio 16
Slide 17: Advances by Sector
ADVANCES BY SECTOR PKR in Bn 45.4 , 9% 80.0 , 16% 29.4 , 6% 29.1 , 6% 23.3 , 5% 19.5 , 4% 16.9 , 3% 190.3 , 38% 41.3 , 8% 15.7 , 3% 12.9 , 2% Textile Financial Edibles Chemicals and pharmaceuticals Power (electricity), gas, water, sanitary Services Individuals Electronics and electrical appliances C
Slide 18: Investments Mix
INVESTMENTS MIX PKR in Bn Federal Govt. Securities Composition 780.2, 96% 131.8, 17% 504.4, 65% 141.4, 18% 30.7, 4% Fedral Govt Others 2.5, 0% Others Breakup Amt in Mn Mix% Non- Government Debt Securities 13,975 45.5% Pakistan Investment Bonds Market Treasury Bills Shares 9,036 29.4% Ijarah Sukuks I
Slide 19: Over the Years…
- Over the Years… CAGR 24 Vs 20 Deposits - Bn CA 57.7% Advances - Bn CAGR 24 Vs 20 13.9% Total 31.6% 205 148 115 107 96 107 104 79 84 57 68 28 35 58 17 2020 2021 2022 2023 2024 2020 2021 2022 2023 2024 CA Total Deposits SIRAT Footprint Branches 24 Vs 20 163 242 233 218 218 190 32 49 61 117 223 2020
Slide 20: Financial Highlights - Islamic
FINANCIAL HIGHLIGHTS - ISLAMIC 18% Of Total Bank’s Deposits Assets 38.9% Total Assets CA Deposits 25.1% 78.2% 223 Islamic Branches Islamic Financing 40.5% Of Total 16.3% Network 20
Slide 21: Digital Update
DIGITAL UPDATE 855 571 629 122 260 2024 2023 % Growth 54 471 337 240 160 Digital Income (MN) 1,697 1,500 13% 2020 2021 2022 2023 2024 App Subs ('000) Volume of Txns (Bns) Debit Card Spend (BN) 28 23 22% 28 23 15 Mobile App/ Web Portfolio (000) 629 472 33% 10 6 RAAST Transactions Value (Bn) 592 319 8
Slide 22: Branch Network
BRANCH NETWORK 551 Branches In 221 Cities 62 12 Branches ▪ ▪ 26 new branches opened in 2024 348 branches in North Branches GILGIT BALTISTAN KHYBER PAKHTUNKHWA Number Of Cities 11 ▪ 203 branches in South & FATA ▪ 223 Islamic Branches & 190 Windows Number Of Cities 46 9 ATM 14 Branches Branches AZAD K
Slide 23: Corporate Social Responsibility
CORPORATE SOCIAL RESPONSIBILITY 2024 Rs. 520.0Mn 2023 Rs. 285.3Mn 2022 Rs. 200.4Mn Education Healthcare DEI Rehabilitation 23
Slide 24: Focus Areas 2025
FOCUS AREAS 2025 Transaction/ Low-Cost Deposits Islamic Banking Digital Banking Employee Banking Retain Trade Growth in Core Asset Quality & Remittances Leadership Income Recoveries Talent Diversity & Shareholder Customer Centricity Returns Retention 24
Slide 25: Awards
| AWARDS DEI Structure and Implementation Best Islamic Bank for PSX Top 25 Companies (Progressive), DE! Leaming and Development _ Islamic Conversion Strategy Awards 2023 (Progressive), Community, Government Relations in Pakistan 2024 Pakistan Stock Exchange Limited and Philanthropy (Best Practice) I
Slide 26: Thank You
THANK YOU
Habib Metropolitan Bank — Investor Presentation (March 2025) on 6ix