Habib Metropolitan Bank Limited · PSX:HMB

Habib Metropolitan Bank — Investor Presentation (March 2024)

25 slides from Habib Metropolitan Bank's investor presentation, March 2024

  1. Slide 1: Corporate Briefing Session FY2023

    CORPORATE BRIEFING SESSION FY2023

  2. Slide 2: Table of Contents

    TABLE OF CONTENTS 3 VISION & VALUES 4 GROUP 5 BANK OVERVIEW 9 FINANCIAL PERFORMANCE 23 FOCUS AREAS 24 ACCOLADES & ACHIEVEMENTS

  3. Slide 3: Vision & Values

    VISION & VALUES To Be The Most Respected Financial Institution Based On Trust, Service And Commitment 3

  4. Slide 4: Group

    GROUP HABIB BANK AG ZURICH (51% Holding) HABIB METROPOLITAN BANK LIMITED HABIB METROPOLITAN HABIB METROPOLITAN HABIB METRO EXCHANGE FINANCIAL SERVICES LIMITED MODARBA MANAGEMENT SERVICES LIMITED COMPANY (PRIVATE) LIMITED FIRST HABIB MODARABA 4

  5. Slide 5: Bank Overview

    BANK OVERVIEW

  6. Slide 6: HMB @ Stock Market

    HMB @ STOCK MARKET 2023 2022 2021 Share Outstanding(mn) 1,047.8 1,047.8 1,047.8 Market Capitalization(PKR bn) 58.0 35.6 44.9 Average Daily Turnover 401,325 184,075 483,222 Closing Stock Price 55.3 34.0 42.8 Stock Price High/Low 60.0/27.3 49.8/33.2 49.0/32.8 6

  7. Slide 7: Management

    MANAGEMENT Khurram Shahzad Khan President & Chief Executive Business Functions Support Functions Ahmed Shah Durrani Amanullah Shaikh Fuzail Abbas A. Wahid Dada GE – Retail Bank & CDO Head - Corporate & Transaction GE – Finance / CFO GE – Remedial Mgt. & General Bkg Services Division Haris Ahmed Syed

  8. Slide 8: Strengths

    STRENGTHS Strong One Of The Strong Client Parent Leading Trade Franchise Bank Finance Banks AA+ Long Term Significant Core PACRA Ratings Well - Capitalized Non-Funded For 23 Structure Income Consecutive Years 8

  9. Slide 9: Financial Performance

    FINANCIAL PERFORMANCE

  10. Slide 10: Financial Highlights

    FINANCIAL HIGHLIGHTS YoY Growth% CURRENT DEPOSITS TOTAL DEPOSITS ADVANCES 22% 15% 4% ISLAMIC BANKING OPERATING PROFIT PBT CURRENT DEPOSITS 82% 88% 67% 10

  11. Slide 11: Balance Sheet KPIs

    BALANCE SHEET KPIs PKR in Bn Deposits CAGR 13.4% Gross Advances & ADR% CAGR 11.8% Deposit/ Branch (in MN) ADV ADR 1,561 1,677 1,683 1,761 1,928 54.3% 51.7% 48.7% 43.3% 45.9% 1,012 419 455 439 772 881 681 281 331 612 2019 2020 2021 2022 2023 2019 2020 2021 2022 2023 Deposits - Current Account CAGR 20

  12. Slide 12: Profitability & Earnings KPIs

    PROFITABILITY & EARNINGS KPIs PKR in Bn Net Interest Income Fee Income 9.4 71.4 7.9 6.9 5.3 5.4 40.6 28.8 29.5 17.4 2019 2020 2021 2022 2023 2019 2020 2021 2022 2023 Operating Profit Profitability PBT PAT 56.7 52.0 31.1 27.6 23.5 23.5 21.5 24.4 20.0 11.6 11.2 12.0 13.5 14.3 6.6 2019 2020 2021 2022 2

  13. Slide 13: Profitability & Earnings KPIs

    PROFITABILITY & EARNINGS KPIs EPS Payout Ratio & Dividend Yield Dividend Per Share Payout Ratio Dividend Yield % 19.0% Rs. 2.50 Rs. 4.50 Rs. 5.00 Rs. 5.25 Rs. 10.50 15.5% 11.5% 11.7% 6.9% 23.3 11.5 12.8 13.6 6.3 39.8% 39.3% 38.9% 38.6% 45.1% 2019 2020 2021 2022 2023 2019 2020 2021 2022 2023 PE Ratio

  14. Slide 14: Other KPIs

    OTHER KPIs CoD% Cost to Income Ratio 9.8% 52.9% 7.0% 7.2% 38.7% 42.0% 42.1% 34.6% 5.2% 3.8% 2019 2020 2021 2022 2023 2019 2020 2021 2022 2023 RoE RoA 30.3% 1.7% 23.6% 22.8% 1.3% 1.2% 21.0% 1.1% 0.8% 14.7% 2019 2020 2021 2022 2023 2019 2020 2021 2022 2023 14

  15. Slide 15: Asset Quality

    ASSET QUALITY PKR in Bn 6.2% 5.8% 4.8% 4.5% Robust Prudent 4.0% Recoveries Lending 26.6 21.0 21.6 21.9 19.3 19.3 19.8 17.5 16.9 16.9 Focus On Asset Quality 2019 2020 2021 2022 2023 NPLs Coverage Infection Ratio 15

  16. Slide 16: Capital Adequacy

    CAPITAL ADEQUACY PKR in Bn 135.0 20.00% 18.26% 18.00% 16.79% 115.0 16.63% 16.00% 14.59% 14.61% 14.10% 95.0 15.16% 14.00% 8.7 14.06% 13.63% 13.05% Tier-1 capital 12.00% 75.0 5.2 comprises 91% of total 10.00% 5.0 eligible capital 55.0 5.8 8.00% 1.6 88.1 6.00% 35.0 72.1 61.3 54.2 4.00% 43.8 15.0 2.00%

  17. Slide 17: Advances by Sector

    ADVANCES BY SECTOR PKR in Bn 77.0 , 18% 40.1 , 9% 34.0 , 8% 27.0 , 6% 23.8 , 5% 17.5 , 4% 17.3 , 4% 185.9 , 42% 16.0 , 4% Textile Others Edibles Commodity finance Power (electricity), gas, water, sanitary Chemicals and pharmaceuticals Individuals Electronics and electrical appliances Commercial trad

  18. Slide 18: Investments Mix

    INVESTMENTS MIX Federal Govt. Securities Composition PKR in Bn 336.7, 37% 901.5 , 97% 23.9 , 3% 85.4, 9% Fedral Govt. Others 473.9, 53% Others Breakup Amt in Mn Mix% Non- Government Debt Securities 16,376 68.6% 5.5, 1% Shares 4,680 19.6% Real Estate Investment Trust 1,993 8.3% Pakistan Investment Bo

  19. Slide 19: Financial Highlights - Islamic

    FINANCIAL HIGHLIGHTS - ISLAMIC 14% Of Total Deposits Bank’s Assets Islamic 38% Financing Total Assets CA Deposits 7% 32% 67% 117 Islamic 9% PBT Branches Of Total Bank’s Foreign Trade 81% 22% Of Total Network 19

  20. Slide 20: Digital Update

    DIGITAL UPDATE 2023 2022 % Growth Debit Card Spend Rs. 23.1 Bn Rs. 15.8 Bn 46% Mobile App/ Web Portfolio (in 000) 472 337 40% RAAST Transactions Value Rs. 318 Bn 12 Bn 2,550% Mobile & IB Txn Volume 13.03 Mn 6.25 Mn 108% Call Volumes Contact Centre 1.36 Mn 1.26 Mn 8% 20

  21. Slide 21: Branch Network

    BRANCH NETWORK 59 11 525 Branches 207 Branches Branches GILGIT BALTISTAN Number Of Cities 10 In Cities KHYBER PAKHTUNKHWA & FATA  25 new branches opened in 2023 Number Of Cities 45 – including 3 Islamic branches 8  326 branches in North 12 Branches Branches AZAD KASHMIR Number Of Cities 8  198 br

  22. Slide 22: Corporate Social Responsibility

    CORPORATE SOCIAL RESPONSIBILITY 2023 Rs. 285.3Mn 2022 Rs. 200.4Mn 2021 Rs. 160.3Mn Education Healthcare Natural Calamities Rehabilitation 22

  23. Slide 23: Focus Areas 2024

    FOCUS AREAS 2024 Low-Cost Deposits Islamic Banking Exports & Maintain Asset Quality Profitable Remittances Growth/ Shareholder Growth in Core Innovation & Digital Returns Income Transformation Employee Talent & Diversity Wellbeing & Care 23

  24. Slide 24: Accolades & Achievements

    ACCOLADES & ACHIEVEMENTS Dragon of Pakistan 2023 PSX Top 25 Companies Awards Best Bank: Best Commercial Bank & Most Best Brand Building/ Pakistan Stock Exchange Cash Management, Customer-Centric Bank - Pakistan Awareness Campaign Limited Payments & Collections, (Pakistan) 2023 International Finance

  25. Slide 25: Thank You

    THANK YOU

Habib Metropolitan Bank — Investor Presentation (March 2024) on 6ix