Bankislami Pakistan Limited · PSX:BIPL

Bankislami Pakistan — Investor Presentation (December 2023)

21 slides from Bankislami Pakistan's investor presentation, December 2023

  1. Slide 1: Financial Services | Corporate Banking | Investment Banking | Retail Banking

    FINANCIAL SERVICES | CORPORATE BANKING | INVESTMENT BANKING | RETAIL BANKING | CONSUMER BANKING

  2. 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,

  3. 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

  4. Slide 4: Major Stakeholders

    BANKISLAMI PAKISTAN LIMITED – MAJOR STAKEHOLDERS MAJOR SPONSORS & SHAREHOLDERS JS Bank Limited During the year, JS Bank acquired 67.33% shareholding in BankIslami, taking its total shareholding to 75.12%. While both banks will continue to operate independently in their respective domains, we will be

  5. Slide 5: National Outreach and Branch Coverage

    BANKISLAMI PAKISTAN LIMITED - NATIONAL OUTREACH AND BRANCH COVERAGE Presence in over 150 Cities 440+ Branches 444 ATMs Nationwide Presence with focus to reach Unbanked Areas to encourage financial inclusion 5

  6. Slide 6: 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

  7. Slide 7: Product Offering & Services: Specialized Products

    BANKISLAMI PAKISTAN LIMITED - PRODUCT OFFERING & SERVICES SPECIALIZED PRODUCTS One Touch Islamic Housing Islamic Auto Loans Freelancer Banking Finance Account Wealth Management Home Remittance Shariah Compliant Investment Solutions Digital Delivery Channel 7

  8. Slide 8: Journey of a Turn-Around (Contd)

    BANKISLAMI PAKISTAN LIMITED – JOURNEY OF A TURN-AROUND (Contd) 2018 2023 Particulars CAGR % ---Rupees in Mn--- Operating Profit before Provisions 439 26,915 128% Profit Before Tax 403 20,523 119% Profit After Tax 213 11,045 120% Total Deposit 185,945 522,541 23% Current A/c Deposits 59,746 194,998 2

  9. Slide 9: Journey of a Turn-Around

    BANKISLAMI PAKISTAN LIMITED – JOURNEY OF A TURN-AROUND 9

  10. Slide 10: Journey of a Turn-Around

    BANKISLAMI PAKISTAN LIMITED – JOURNEY OF A TURN-AROUND Absolute 2018 2023 CAGR Deposit Growth Rs. In Million % Industry 13,353,916 29,128,202 118% 17% BIPL 185,945 522,541 181% 23% BIPL Market Share 1.4% 1.8% Absolute 2018 2023 CAGR Financing Net Growth Rs. In Million % Industry 7,888,024 12,178,293

  11. Slide 11: Financial Performance December 2023: Investments

    BANKISLAMI PAKISTAN LIMITED – FINANCIAL PERFORMANCE DECEMBER 2023 Rs. in Millions Growth Dec - 23 Dec - 22 INVESTMENTS - Net Dec 23 vs Dec 22 Federal Government Securities 277,867 139,820 99% Non Government Securities 4,673 5,954 -22% Pakistan Energy Sukuk 30,851 32,377 -5% Shares / Sukuks / Associa

  12. Slide 12: Financial Performance December 2023: Financings

    BANKISLAMI PAKISTAN LIMITED – FINANCIAL PERFORMANCE DECEMBER 2023 Rs. in Millions Growth Dec - 23 Dec - 22 Dec - 23 vs Composition FINANCINGS - Net Dec - 22 Segment 2023 2022 Corporate 191,808 152,646 26% Corporate 77% 71% SME 4% 4% SME 9,349 7,716 21% Agri 2% 1% Agri 4,419 2,423 82% Consumer 17% 24

  13. Slide 13: Financial Performance December 2023: Coverage and Delinquency

    BANKISLAMI PAKISTAN LIMITED – FINANCIAL PERFORMANCE DECEMBER 2023 Coverage ratio (incl. general provision) of total portfolio is 104.15%, while Islamic portfolio is 105.86% as of 31 Dec 2023. Total Delinquency ratio of the Bank (including defunct KASB Bank portfolio) has remained the same at 9% in D

  14. Slide 14: Financial Performance December 2023: Deposits

    BANKISLAMI PAKISTAN LIMITED – FINANCIAL PERFORMANCE DECEMBER 2023 Rs. In Billions Dec - 23 Dec - 22 Growth % Deposits Amount % Composition Amount % Composition Dec 23 vs Dec 22 Current Deposit 195 37% 171 41% 14.30% Saving Deposit 130 25% 108 26% 20.89% Term Deposit 198 38% 138 33% 43.49% Total Depo

  15. Slide 15: Financial Performance December 2023: Profit and Loss

    BANKISLAMI PAKISTAN LIMITED – FINANCIAL PERFORMANCE DECEMBER 2023 Dec - 23 Dec - 22 Growth Average 6-M Kibor 20.53% 13.10% ------------Rs in Millions------------ Dec - 23 vs Description Dec - 23 Dec - 22 Dec - 22 Profit Earned 92,756 46,345 100% Profit Expensed 52,573 25,943 103% Net spread earned 4

  16. Slide 16: Key Ratios

    BANKISLAMI PAKISTAN LIMITED – KEY RATIOS Rs. In Million Ratios Dec-23 Dec-22 Net Spread to Profit Earned 43.32% 44.02% Cost to Total Income Ratio 37.15% 49.83% Administrative Expenses Per Branch 37.68 35.18 Return on Average Equity 39.81% 20.78% Return on CET 1 38.73% 22.72% Return on Earning Assets

  17. Slide 17: Awards & Recognition

    BANKISLAMI PAKISTAN LIMITED - AWARDS & RECOGNITION RECENT ACCOLADES 20th Excellence Award BankIslami Pakistan The Digital Limited was awarded the Best Islamic Bank Summit 2023 of the year (runner- 12th Annual Digital BankIslami Pakistan up) at the 20th Annual CSR Summit Technology Limited won the Ex

  18. Slide 18: Corporate Social Responsibility

    BANKISLAMI PAKISTAN LIMITED – CORPORATE SOCIAL RESPONSIBILITY KEY CSR INITIATIVES • Employment Generation Activities: To reduce unemployment and generate foreign remittance for the country, BankIslami initiated its ‘Employment Generation (Rozgar) Project’ which aimed at creating job opportunities fo

  19. Slide 19: Areas Under Focus

    BANKISLAMI PAKISTAN LIMITED – AREAS UNDER FOCUS Growth in Current Account Regulatory Compliance Growth in Current Accounts to improve spreads through Ensure Continued Regulatory Compliance Trade Finance, Employee Banking and Cash management. Deposit Base Branch Network Grow overall Deposit base to i

  20. Slide 20: Social Media Presence

    BANKISLAMI PAKISTAN LIMITED – Social Media Presence Bankislami-Pakistan-limited Bipl.official @biplofficial @BIPLOfficial bankislamipakistanlimited www.bankislami.com.pk 20

  21. Slide 21: How You Can Reach Us

    BANKISLAMI PAKISTAN LIMITED – HOW YOU CAN REACH US ADDRESS CONTACT BankIslami Pakistan Limited 8th Floor, Executive Tower, Dolmen City, Marine Drive, Phone (92-21) 111-247(BIP)-111 Head Office Block-4, Clifton, Karachi. Email: info@bankislami.com.pk 21

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