Habib Metropolitan Bank Limited · PSX:HMB
Habib Metropolitan Bank — Investor Presentation (March 2024)
25 slides from Habib Metropolitan Bank's investor presentation, March 2024
Slide 1: Corporate Briefing Session FY2023
CORPORATE BRIEFING SESSION FY2023
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
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 (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
Slide 5: Bank Overview
BANK OVERVIEW
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
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
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
Slide 9: Financial Performance
FINANCIAL PERFORMANCE
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
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
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
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
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
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
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%
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
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
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
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
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
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
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
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
Slide 25: Thank You
THANK YOU
Habib Metropolitan Bank — Investor Presentation (March 2024) on 6ix