Bankislami Pakistan Limited · PSX:BIPL
Bankislami Pakistan — Investor Presentation (March 2019)
24 slides from Bankislami Pakistan's investor presentation, Mar 27, 2019
Slide 1: Corporate Briefing Session
Corporate Briefing Session For the year ended December 31, 2018 1
Slide 2: Contents
Contents ¾ Introductory Briefing– as of Dec 2018 ¾ Key Highlights ¾ Achievements and New Initiatives ¾ Financial Performance for the year ended Dec 31, 2018 ¾ Six Years’ Financial Summary 2013-2018 ¾ Strategic Plans ¾ Capital Adequacy Ratio 2
Slide 3: Introductory Briefing – as of Dec 2018
Introductory Briefing– as of Dec 2018 3
Slide 4: Introductory Briefing
Introductory Briefing Introductory Briefing– Data as of December 31 2018 Commencement of Operations 2004 Head Quarters Karachi 1. Jahangir Siddiqui & Co. Ltd. 21.26% 2. Randree Family 19.64% Major Sponsors 3. Ali Hussain 15.77% 4. Dubai Bank PJSC 14.31% Credit Rating (Long Term / Short Term) A+ / A1
Slide 5: Introductory Briefing
Introductory Briefing The Bank offers following facilities: 1. Deposits 2. Financing * Auto * Housing * Corporate/Commercial * SME/Agri 3. Cash Management 4. BancaTakaful BankIslami Offers Free* ; 5. Home Remmittances 1. One touch Banking 6. Utilities Payments 2. Pay Order 3. Cheque Book 7. Fund Tra
Slide 6: Key Highlights
Key Highlights 6
Slide 7: Key Highlights of BS
Key Highlights of BS Financing ¾ Gross Financing reduced by 2.3% due to adjustment of certain GoP Commodity Operation Financing. ¾ Composition of consumer financing in Gross Islamic financing has increased from 17% to 20%. Housing is Rs. 13.5 Bn in 2018 & Rs. 11.2 Bn in 2017 Auto is Rs. 10.7 Bn
Slide 8: Key Highlights of Profit & Loss
Key Highlights of Profit & Loss ¾ Operating Profit is Rs. 439 mn for 2018 compared to a operating loss of Rs. (235) mn in 2017. The PAT for 2018 is Rs. 213 mn vs Rs 1,563 mn in 2017. Total revenue improved by 20% vs increase in total expenses is 9%. ¾ Net Revenue from Funds is Rs. 6.03 bn which is
Slide 9: Key Highlights of Profit & Loss
Key Highlights of Profit & Loss ¾ Non Funded Income increased by 31% from Rs. 965 mn in 2017 to Rs. 1,264 mn in 2018. Commission from investment banking activities were around Rs. 150 mn v/s Rs. 20 mn in 2017 Dividend from Subsidiary company is Rs. 40 mn. Income from foreign exchange & forward
Slide 10: Achievements and New Initiatives
Achievements and New Initiatives 10
Slide 11: Achievements and New Initiatives
Achievements and New Initiatives ¾ BankIslami has received an award from International Finance Awards 2018 in the category of – “Most Innovative Banking Solution Provider - Biometric – Pakistan 2018”. It has acknowledged the Bank’s unique offering of banking services through Biometric – now launched
Slide 12: Financial Performance for the year ended Dec 31, 2018
Financial Performance for the year ended Dec 31, 2018 12
Slide 13: Investment Analysis
Investment Analysis EEERGEES Investment Composition - 2018 Investment Status - 2018 rupees in maions 37,034 ——— —_——s she @ Gres estnent Conwentional Nom Performing lvestments Investment Composition - 2017 Federal Government Securitics Non Government Delt Securities: Shares / Mutual Fund Units Subsi
Slide 14: Financing Analysis
Financing Analysis ‐‐‐‐‐‐‐‐‐‐‐‐‐ Rupees in '000 ‐‐‐‐‐‐‐‐‐‐‐ Description Dec‐18 Dec‐17 Variance % Corporate 90,241,446 93,828,794 (3,587,349) ‐3.8% SME 3,008,529 3,549,171 (540,641) ‐15.2% Agri 787,434 1,026,765 (239,330) ‐23.3% Auto 10,722,846 8,798,634 1,924,212 21.9% Muskun 13,500,207 11,153,530 2
Slide 15: NPLs & Provision Trend
NPLs & Provision Trend we Bankislami N PLs Trend Rupees in Millions 1a 1a™% ath 15.01% 16% 13.48% 13.59% 17 12.12% Ta 222 at 22 st 14% 17 12% 10% 16 au x 16.28 16.33 sia 16.20 15 15.84 a% 15.40 1s 2% 14 o% Dec 17 Mar-18 Jum is Dec-18 INP RS = NPL «/Gross Advances J > i<j a } Provision Coverage 14 20
Slide 16: Deposit Trend
Deposit Trend Term Deposits Deposits Growth AR 20% 153.06 SB Oec is meé Savirgs Deposits 'Dec-1? Growth ® Current Deposits CASA MIX Rupees in Miers. wa 75.50% am 71.52% cain = 61.15% = F 53% 12756 a up / - 102.49 » -~ a -_ a m_ ox Lad mi ama ms ane i Upto 6 Months #6 Months to 1 Year ofl Year to 3 Y
Slide 17: Quarterly Operating Results
Quarterly Operating Results 4th Qtr 3rd Qtr 2nd Qtr 1st Qtr 4th Qtr ‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐Rupees in 000 ‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐ Dec‐18 Sep‐18 Jun‐18 Mar‐18 Dec‐17 Profit Earned 3,624,782 2,945,520 2,777,327 2,856,609 2,695,991 Profit Expensed 1,793,884 1,473,321 1,401,591 1,501,479 1,349,800 Net Spread earned 1,
Slide 18: Ratios
Ratios ‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐Rupees in 000 ‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐‐ Cost / Revenue Analysis Dec-18 Dec-17 Net Spread to Profit Earned 49.44% 49.30% Net Interest Margin - NIM 3.35% 3.04% Advances to Deposits ratio * 62.83% 65.53% Infection Ratio** 5.80% 5.22% Average Deposits per Branch 559,677 540,333 Administrat
Slide 19: Six Years' Financial Summary 2013-2018
Six Years’ Financial Summary 2013-2018 19
Slide 20: Six Years' Financial Summary 2013-2018
Six Years’ Financial Summary 2013-2018 Rupees in Million Profit & Loss Account 2018 2017 2016 2015 2014 2013 Profit/return Earned 12,204 10,353 10,127 8,834 7,812 6,289 Profit/return Expensed 6,170 5,250 5,791 5,119 4,459 3,790 Net Spread earned 6,034 5,103 4,336 3,715 3,353 2,500 Fee,commission,bro
Slide 21: Six Years' Financial Summary 2013-2018
Six Years’ Financial Summary 2013-2018 Rupees in Million Statement of Finanacial Position 2018 2017 2016 2015 2014 2013 Paid up capital 10,000 10,000 10,000 10,000 5,680 5,280 Reserves 969 926 614 523 273 210 Unappropriated profit/(loss) 1,695 1,474 213 (171) 267 25 Shareholders' equity 12,664 12,40
Slide 22: Strategic Plans
Strategic Plans Bankislami 22
Slide 23: Strategic Plans
Strategic Plans FINANCIAL GOALS CUSTOMER GOALS i. Double the Deposit Base vi. Become a Customer Centric Bank ii. Maintain average ADR in the range of 60% to 70% by booking quality assets and keeping NPLs under vi. Reinforce and strengthen Brand Image as Leading 5% Islamic Bank iii. Maintain Capital
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