Habib Bank Limited · PSX:HBL
Habib Bank — FY2017 Earnings Presentation
10 slides from Habib Bank's earnings presentation, December 2017
Slide 1: Financial Results – December 2017 Investor Presentation
Financial Results – December 2017 Investor Presentation 0
Slide 2: Key Highlights
Key Highlights Consolidated PBT for 2017 is Rs 28.8 Bn compared to Rs 56.5 Bn in 2016. PAT is Rs 8.2 Bn compared to Rs 34.2 Bn in 2016 • Profit numbers are impacted by the extraordinary / unusual item of the $225 Mn (Rs 23.7 Bn) settlement payment to NYSDFS. • Excluding the impact of the extra ordin
Slide 3: Key Highlights
Key Highlights Administrative expenses are up 13% YoY to Rs 62.0 Bn • The growth is primarily due to the consolidation impact of FMFB and higher US remediation costs • Excluding these, expense growth has been contained to under 9%. Provisions • Gross NPLs have increased by Rs 0.4 Bn over Dec’16, as
Slide 4: Key Highlights
Key Highlights HBL’s balance sheet has grown by 7% over Dec’16 to Rs 2.7 trillion Total deposits have increased by 6% over Dec’16, to nearly Rs 2.0 trillion. Domestic deposits grew by 11.7% • Domestic current deposits have increased by 14.2% over Dec’16 to Rs 628 Bn and the mix has improved from 34.
Slide 5: Balance Sheet
Balance Sheet PKR Bln Dec'17 Dec'16 Var% Cash & Bank Balances 286.8 284.4 1% Lending to Financial Institutions 33.9 33.0 3% Investments 1,374.8 1,344.4 2% Performing Advances 845.2 741.8 14% Non Performing advances - net of provision 6.3 6.7 -5% Net Advances 851.5 748.5 14% Others 137.0 95.9 43% Tot
Slide 6: Net Advances and Asset Quality
Net Advances Loan portfolio composition by line of business International Advances – Location wise Mauritius Others 2.2% 12.4% International 15.9% Bangladesh 4.5% UAE 31.6% Others 14.4% Net loans: Bahrain Net loans: Corporate PKR852Bn 47.3% 10.5% PKR136Bn Consumer Oman 5.3% 6.8% Agriculture United K
Slide 7: Deposits
Deposits Period End Deposits Average Deposits 2017 2016 PKR Bln Dec'17 Dec'16 Var% PKR Bln Var% (Actual) (Actual) Current 627.8 549.7 14% Current 539.1 463.0 16% Saving 894.3 800.1 12% Saving 839.0 735.9 14% Term 240.2 228.2 5% Term 198.6 173.3 15% Domestic 1,762.3 1,578.1 12% Domestic 1,576.7 1,372
Slide 8: Income Statement
Income Statement 2017 2016 PKR Bn Var% (Actual) (Actual) Interest Income 148.0 141.1 5% Interest expensed (64.9) (59.1) -10% Net Interest Income 83.1 82.0 1% Non Interest Income 32.9 31.4 5% Gross Revenue 116.0 113.4 2% Admin Expenses (62.0) (54.8) -13% Operating Expenses (63.0) (56.0) -13% Pre Prov
Slide 9: Non Fund Income
Non Fund Income 2017 2016 PKR Mln Var% (Actual) (Actual) Fees and commissions 19,519 19,026 3% Gain on sale of securities 7,765 5,330 46% Dividend income 1,220 1,286 -5% FX Income 1,519 1,399 9% Share of profit of associates 2,052 3,768 -46% Other income 815 625 30% Total non interest income 32,889
Slide 10: Key Ratios
Key Ratios Ratios Dec'17 Dec'16 Advances : Deposits 46.1% 43.3% Asset Quality 8.2% 9.2% Coverage 91.6% 91.2% Capital Adequacy - Tier I 12.0% 12.0% Capital Adequacy - Total 15.9% 15.5% Ratios 2017 2016 Yield on advances 7.6% 8.0% Cost of deposits 2.4% 2.5% Net Interest Margin 3.9% 4.2% Spreads 3.3% 3