Bankislami Pakistan Limited · PSX:BIPL
Bankislami Pakistan — Investor Presentation (March 2023)
27 slides from Bankislami Pakistan's investor presentation, Mar 31, 2023
Slide 1: Financial Services | Corporate Banking | Investment Banking | Retail Banking
FINANCIAL SERVICES | CORPORATE BANKING | INVESTMENT BANKING | RETAIL BANKING | CONSUMER BANKING
Slide 2: Agenda
BANKISLAMI PAKISTAN LIMITED – AGENDA Financial Introduction Key Financial Highlights Performance Introduction to the Bank, Investment portfolio, its Vision, Mission and Journey of a Turn- Financing Portfolio, Core Values, Network around, PBT, PAT, Total Non-performing Size, Range of Services Assets,
Slide 3: Who We Are
BANKISLAMI PAKISTAN LIMITED – WHO WE ARE SINCE October 2004 Incorporated as Public Limited Company to carry out business of an Islamic Commercial Bank March 2005 Granted ‘Scheduled Islamic Commercial Bank’ license by Central Bank v 2004 PRODUCTS & SERVICES April 2006 Commencement of Operations as an
Slide 4: National Outreach and Branch Coverage
BANKISLAMI PAKISTAN LIMITED - NATIONAL OUTREACH AND BRANCH COVERAGE Presence in over 140 Cities 380 Branches 372 ATMs Nationwide Presence with focus to reach Unbanked Areas to encourage financial inclusion 4
Slide 5: Product Offering & Services
BANKISLAMI PAKISTAN LIMITED - PRODUCT OFFERING & SERVICES Cash Management & PERSONAL BANKING BankIslami offers a wide variety of accounts fulfilling all the financial needs Employee Banking of its diverse customer base. Embracing fast pace of technology, BankIslami is offering Corporate Payments, Co
Slide 6: Specialized Products
BANKISLAMI PAKISTAN LIMITED - PRODUCT OFFERING & SERVICES SPECIALIZED PRODUCTS Islamic Housing Finance Islamic Auto Loans One Touch Banking Wealth Management Home Remittance Shariah Compliant Investment Solutions Digital Delivery Channel 6
Slide 7: Journey of a Turn-Around (Contd)
BANKISLAMI PAKISTAN LIMITED – JOURNEY OF A TURN-AROUND (Contd) 2018 2022 Absolute Particulars CAGR % --- Rupees in Mn --- Growth % Operating Profit before Provisions 439 12,041 2643% 129% Profit Before Tax 403 8,228 1942% 113% Profit After Tax 213 4,440 1985% 114% Total Deposits 185,945 415,912 124%
Slide 8: Journey of a Turn-Around
BANKISLAMI PAKISTAN LIMITED – JOURNEY OF A TURN-AROUND Profit Before Tax Profit after Tax Total Deposits 10,000 5,000 4,440 500,000 8,228 415,912 8,000 4,000 400,000 344,788 283,641 229,984 6,000 3,000 2,131 300,000 185,945 3,397 142% 1,703 4,000 2,759 2,000 200,000 1,831 1,087 1% 108% 24% 23% 22% 2
Slide 9: Financial Performance December 2022: Investments
BANKISLAMI PAKISTAN LIMITED – FINANCIAL PERFORMANCE DECEMBER 2022 Rs. in Millions Growth Dec - 22 Dec - 21 INVESTMENTS - Net Dec - 22 vs Dec 21 Federal Government Securities 139,820 83,637 67% Non Government Securities 5,954 7,221 -18% Pakistan Energy Sukuk 32,377 32,414 0% Shares / Sukuks / Associa
Slide 10: Financial Performance December 2022: Financings - Net
BANKISLAMI PAKISTAN LIMITED – FINANCIAL PERFORMANCE DECEMBER 2022 Rs. in Millions Growth FINANCINGS - Dec - 22 Dec - 21 Dec - 22 vs Net Dec - 21 Corporate 152,646 141,147 8% SME 7,716 3,812 102% Agri 2,423 1,513 60% Auto 24,181 23,243 4% Housing 27,495 20,477 34% Islamic Portfolio - 214,461 190,192
Slide 11: Financing – SBP Schemes
BANKISLAMI PAKISTAN LIMITED – FINANCIAL PERFORMANCE DECEMBER 2022 Financing – SBP Schemes Rs. In Millions Number of Amount SBP Schemes Customers Outstanding Refinance facility for Islamic Temporary Economic Refinance 121 7,478.40 Facility (TERF) Islamic Long-Term Financing Facility 7 952.69 Islamic
Slide 12: Financial Performance December 2022: Coverage and Delinquency
BANKISLAMI PAKISTAN LIMITED – FINANCIAL PERFORMANCE DECEMBER 2022 Coverage ratio (incl. general provision) of total portfolio is 96.1%, while Islamic portfolio is 95.0%. Total Delinquency ratio of the Bank (including defunct KASB Bank portfolio) has remained the same at 9.0% in Dec 22 as compared to
Slide 13: Financial Performance December 2022: Deposits
BANKISLAMI PAKISTAN LIMITED – FINANCIAL PERFORMANCE DECEMBER 2022 Rs. In Billions December - 22 December - 21 Deposits YoY Growth % Amount % Amount % Current Deposit 171 41% 134 38% 26.88% Saving Deposit 108 26% 102 31% 5.13% Term Deposit 138 33% 108 31% 27.52% Total Deposit 416 100% 345 100% 20.66%
Slide 14: Financial Performance December 2022: Profit and Loss
BANKISLAMI PAKISTAN LIMITED – FINANCIAL PERFORMANCE DECEMBER 2022 Dec - 22 Dec - 21 Growth Average 6-M Kibor 14.51% 7.85% ------------Rs in Millions------------ Dec - 22 vs Description Dec - 22 Dec - 21 Dec - 21 Profit Earned 46,345 23,235 99% Profit Expensed 25,943 12,303 111% Net spread earned 20,
Slide 15: Awards & Recognition
BANKISLAMI PAKISTAN LIMITED - AWARDS & RECOGNITION RECENT ACCOLADES CSR Award of Pakistan IFN Award-Deals of BankIslami Pakistan the Year Limited was awarded the Global Finance 11th Annual International BankIslami Pakistan Awards Limited secured IFN 2022 Corporate Social President & CEO, Syed Respon
Slide 16: Major Achievements & Initiatives
BANKISLAMI PAKISTAN LIMITED – MAJOR ACHIEVEMENTS & INITIATIVES Year 2022 proved to be athe allmark year for the Bank where it crossed Rs.400 billion landmark and closed deposit base at Rs.416 billion with a healthy growth rate of 20.6%. Bank also introduced one of its kind product, Islami Khair Curr
Slide 17: Corporate Social Responsibility
BANKISLAMI PAKISTAN LIMITED – CORPORATE SOCIAL RESPONSIBILITY KEY CSR INITIATIVES • Flood Relief Activities Last year, our country faced one of the biggest and deadliest crises of the decade in the form of flash floods. The Bank took following initiatives: a. Collaborated with Pakistan Air Force, AF
Slide 18: Areas Under Focus
BANKISLAMI PAKISTAN LIMITED – AREAS UNDER FOCUS Growth in Current Account Regulatory Compliance Growth in Current Accounts to improve spreads Ensure Continued Regulatory Compliance Deposit Base Branch Network Grow overall Deposit base to improve deposit per branch Expansion of Branch Network (60 new
Slide 19: Social Media Presence
BANKISLAMI PAKISTAN LIMITED – Social Media Presence Bankislami-Pakistan-limited Bipl.official @biplofficial @BIPLOfficial bankislamipakistanlimited www.bankislami.com.pk 19
Slide 20: How You Can Reach Us
BANKISLAMI PAKISTAN LIMITED – HOW YOU CAN REACH US ADDRESS CONTACT Phone (92-21) 111-247(BIP)-111 BankIslami Pakistan Limited 11th Floor, Executive Tower, Dolmen City, Marine Fax: (92-21) 35378373 Head Office Drive, Block-4, Clifton, Karachi. Email: info@bankislami.com.pk For any further information
Slide 21: Annexures
Annexures 21
Slide 22: Queries and Annexure Index
BANKISLAMI PAKISTAN LIMITED – Information required SSK QUERIES 1. Market share Deposits and Financing (done in annexure) 2. IFRS 9 impact (Done in notes to NPL slide) 3. What is the target to take no. of branches as per strategic business plan (done in annexure) 4. What is the break down of Govt dep
Slide 23: Deposits, Advances and Investments Industry vs BankIslami
BANKISLAMI PAKISTAN LIMITED – Deposits, Advances and Investments Industry vs BankIslami Absol ute 2018 2022 CAGR Despoi ts Growth Rs. i n Mi l l i on % Industry 13,353,916 22,466,986 68% 14% BIPL 185,945 415,912 124% 22% BIPL Market Share 1.4% 1.9% 2018 2022 Absol ute Growth CAGR Advances Rs. i n Mi
Slide 24: Key Ratios
BANKISLAMI PAKISTAN LIMITED – KEY RATIOS Rs. In Millions Heads Dec-2022 Dec-2021 Net Spread to Profit Earned 44.02% 47.05% Cost to Total Income Ratio 49.83% 73.73% Administrative Expenses Per Branch 34.53 28.09 Return on Average Equity 20.78% 11.87% Return on CET 1 (without relaxation) 22.72% 15.72%
Slide 25: Break up of Government Deposit
BANKISLAMI PAKISTAN LIMITED – FINANCIAL PERFORMANCE DECEMBER 2022 Break up of Government Deposit Rs. In Millions Account Type Federal Provincial Local Current Account 474 418 - Saving Account 2,657 263 2 TDR 9,954 995 - Total 13,085 1,677 2 25
Slide 26: NPL Trends & Provision Coverage
NPL Trends & Provision Coverage 26
Slide 27: Key Financial Highlights - December 2022
BANKISLAMI PAKISTAN LIMITED – KEY FINANCIAL HIGHLIGHTS - DECEMBER 2022 27
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