Bank Of Punjab · PSX:BOP

Bank Of Punjab — The Bank of Punjab — Investor Presentation (April 2023)

35 slides from Bank Of Punjab's investor presentation, Apr 13, 2023

  1. Slide 1: Corporate Briefing Session

    CORPORATE BRIEFING SESSION APRIL 13, 2023

  2. Slide 2: Contents

    Contents Introduction Regulatory Compliance Key Performance Highlights – Year 2022 Growth Trends (2017-2022) Future Strategy (2023-2025)

  3. Slide 3: Introduction

    > Introduction ‘>

  4. Slide 4: Introduction

    Introduction Commencement of Operations 1989 Head Office Lahore Major Sponsor Government of the Punjab (57.47%) Authorized Capital Rs. 50 Billion Paid up Capital Rs. 29.7 Billion Credit Rating (Long Term/Short Term) AA+/A1+ Branches * Conventional : 640 Islamic : 140 IB Windows : 40 *includin

  5. Slide 5: Introduction Contd…

    Introduction Contd… ATMs 706 Cities Covered 421 Market Share 5.2% of Deposits Deposits Rs. 1,227 Billion Advances-Gross Rs. 634 Billion Total Assets Rs. 1,482 Billion Staff Strength (own) 13,047

  6. Slide 6: Branch Network 31.12.2022

    Branch Network 31.12.2022 Balochistan, 14 Azad Kashmir, 8 Federal, 22 Sindh, 83 Gilgit / Baltistan, 10 Khyber PK, 69 Punjab, 574

  7. Slide 7: Regulatory Compliance

    Regulatory Compliance ‘> mM

  8. Slide 8: Regulatory Compliance

    Regulatory Compliance  Compliant with Provisioning requirements under Prudential Regulations of SBP.  Compliant with Minimum Capital (MCR) and Capital Adequacy Ratio (CAR) requirements.  Compliant with LR, NSFR & LCR requirements

  9. Slide 9: Key Performance Highlights – Year 2022

    Key Performance Highlights – Year 2022

  10. Slide 10: Key Highlights

    Key Highlights Deposits Deposits improved to Rs. 1,227.3 Billion as against Rs. 1,003.0 Billion as on December 31, 2021. Gross Advances Gross Advances improved to Rs. 634.4 Billion as against Rs. 534.2 Billion as on December 31, 2021. Investments & Investments & Lending to FIs improved to Rs. 708.1

  11. Slide 11: Key Highlights Contd….

    Key Highlights Contd…. Net Interest Margin improved to Rs. 30.76 Billion during Net Interest Year 2022 as against Rs. 29.88 Billion during Margin Year 2021. Non Markup Income (excluding Gain on Securities) improved Non Markup to Rs. 10.23 Billion during Year 2022 as against Rs. 6.12 Billion Income d

  12. Slide 12: Key Highlights Contd….

    Key Highlights Contd…. Profit Before Profit Before Tax improved to Rs. 18.51 Billion during Tax Year 2022 as against Rs. 18.41 Billion during Year 2021. Profit After Tax stood at Rs. 10.83 Billion during Profit After Tax Year 2022 as against Rs. 12.44 Billion during Year 2021. Effective Tax Rate inc

  13. Slide 13: Key Highlights Contd….

    Key Highlights Contd…. Bank’s Capital Adequacy Ratio stood at 13.57% as against 12.50% as on December 31,2021 (SBP required level : Capital 11.50%). Adequacy Had the advance subscription money against future issue of Ratio TFCs eligible as ADT-I & ADT-II capital not been accounted for, CAR would hav

  14. Slide 14: Awards & Achievements during 2022

    Awards & Achievements during 2022

  15. Slide 15: Awards & Achievements during 2022 Contd…

    Awards & Achievements during 2022 Contd…  The Bank’s contribution for promoting Small & Medium Enterprises in the Country was recognized during 7th Pakistan Banking Award 2022 as Bank was adjudged “Best Bank for Small & Medium Businesses”.  The CFA society of Pakistan declared the Bank as “Corpora

  16. Slide 16: Awards & Achievements during 2022 Contd…

    Awards & Achievements during 2022 Contd…  In the EDGE 2022 Awards The Bank of Punjab has been awarded the “Fastest Credit Card Launch across MENA”.  Last year, Bank was awarded “Certificate of Merit” in “Best Corporate & Sustainability Report Awards” competition organized by ICAP and ICMAP. This y

  17. Slide 17: Awards & Achievements during 2022 Contd…

    Awards & Achievements during 2022 Contd…  During year 2022, 116 New Branches were opened with focus on South & North Regions of the Country.  Launch of new products & Services in line with the Strategic Business Plan of the Bank.  Investment in new Technologies with acquisition and upgradation of

  18. Slide 18: Growth Trends (2017-2022)

    Growth Trends (2017-2022)

  19. Slide 19: Deposits

    Deposits Rs. in Million 1,300,000 1,227,339 1,100,000 1,002,955 900,000 835,068 691,017 700,000 595,582 556,281 500,000 300,000 100,000 Dec'17 Dec'18 Dec'19 Dec'20 Dec'21 Dec'22

  20. Slide 20: Investments (including Lending to FIs)

    Investments (including Lending to FIs) Rs. in Million 800,000 708,078 700,000 583,875 28,391 562,663 12,442 600,000 12,272 11,471 14,841 14,599 500,000 365,513 400,000 5,118 267,077 237,915 7,397 667,245 300,000 556,762 16,439 536,593 5,323 6,921 200,000 5,885 352,998 245,315 225,109 100,000 - Dec'2

  21. Slide 21: Advances (Gross)

    Advances (Gross) Rs. in Million 750,000 634,376 650,000 534,163 550,000 442,760 425,756 428,846 450,000 341,735 350,000 250,000 150,000 50,000 Dec'17 Dec'18 Dec'19 Dec'20 Dec'21 Dec'22

  22. Slide 22: Non-Performing Loans (Gross)

    Non-Performing Loans (Gross) Rs. in Billion 57.25 50.95 51.36 52.03 51.56 60.00 49.39 6.83 - - - 50.00 6.59 6.08 40.00 51.36 30.00 50.95 50.42 49.39 45.44 45.48 20.00 10.00 - Dec'17 Dec'18 Dec'19 Dec'20 Dec'21 Dec'22 Objective & SBP Subjective Subjective by BOP

  23. Slide 23: Total Assets

    Total Assets Rs. in Million 1,600,000 1,481,890 1,400,000 1,196,952 1,095,446 1,200,000 1,000,000 868,928 800,000 714,380 657,737 600,000 400,000 200,000 - Dec'17 * Dec'18 Dec'19 Dec'20 Dec'21 Dec'22 * Restated on account of reclassification of acceptances from off-balance sheet item to on-balance s

  24. Slide 24: Total Equity

    Total Equity Rs. in Million 70,000 65,052 60,000 54,833 52,262 46,682 50,000 37,720 40,000 29,732 30,000 20,000 10,000 - Dec'17 Dec'18 Dec'19 Dec'20 Dec'21 Dec'22

  25. Slide 25: Net Interest Margin

    Net Interest Margin Rs. in Million 35,000 30,758 29,876 26,757 30,000 23,325 25,000 20,063 20,000 15,574 15,000 10,000 5,000 - Dec'17 Dec'18 Dec'19 Dec'20 Dec'21 Dec'22

  26. Slide 26: Non Mark-up Income (Excluding Gain on Securities)

    Non Mark-up Income (Excluding Gain on Securities) Rs. in Million 12,000 10,233 10,000 8,000 6,118 6,000 4,579 3,635 3,718 4,000 3,275 2,000 - Dec'17 Dec'18 Dec'19 Dec'20 Dec'21 Dec'22

  27. Slide 27: Operating Expenses

    Operating Expenses Rs. in Million 30,000 27,374 25,000 20,637 20,000 16,880 14,453 15,000 12,613 10,089 10,000 5,000 - Dec'17 Dec'18 Dec'19 Dec'20 Dec'21 Dec'22 No. of 536 576 624 636 662 780 Branches No.of Staff 7,371 8,634 9,640 9,967 11,257 13,047 (Own)

  28. Slide 28: Profit / (Loss) Before Tax

    Profit / (Loss) Before Tax Rs. in Million 18,408 18,508 20,000 14,044 15,000 12,208 11,989 10,000 5,000 - Dec'17 Dec'18 Dec'19 Dec'20 Dec'21 Dec'22 (5,000) (4,698)

  29. Slide 29: Profit / (Loss) After Tax

    Profit / (Loss) After Tax Rs. in Million 14,000 12,440 12,000 10,834 10,000 8,249 7,564 8,000 6,944 6,000 4,000 2,000 - Dec'17 Dec'18 Dec'19 Dec'20 Dec'21 Dec'22 (2,000) (4,000) (3,322)

  30. Slide 30: Future Strategy (2023-2025)

    Future Strategy (2023-2025)

  31. Slide 31: Future Strategy (2023-2025)

    Future Strategy (2023-2025) BOP’s Strategy Pillars

  32. Slide 32: Future Strategy (2023-2025)

    Future Strategy (2023-2025) Strategic Areas of Focus Brand Building • Continuous Investment in building / enhancing BOP’s Brand Image as a Progressive, Efficient, Service Driven, and Customer Oriented Bank with a firm resolve to achieve Excellence across the entire spectrum of its Product / Service

  33. Slide 33: Future Strategy (2023-2025)

    Future Strategy (2023-2025) Strategic Areas of Focus Continued Focus on Government’s Social Uplift Projects • Government driven social up lift projects shall provide financing avenues with a far reaching social dividend, apart from economic returns. For this we will be constantly building our resour

  34. Slide 34: Future Strategy (2023-2025)

    Future Strategy (2023-2025) Strategic Areas of Focus Compliance & Control • A strong Compliance, Control and Governance Culture has been inculcated in the Bank, and shall be further fortified for: • Ensuring fool proof adherence to AML/CFT/CPF Regime & FATF Requirements. • Digitizing internal contro

  35. Slide 35: Thank You

    Thank You

The Bank of Punjab — Investor Presentation (April 2023) on 6ix