Habib Bank Limited · PSX:HBL
Habib Bank — 9M 2015 Earnings Presentation
11 slides from Habib Bank's earnings presentation, 2015
Slide 1: 9M 2015 Financial Results Investors Presentation
9M 2015 Financial Results Investors Presentation 0
Slide 2: Key Highlights
Key Highlights Consolidated PBT up 44% YoY to Rs. 47.9 Bn, PAT 26% higher YoY at Rs 27.5Bn ■ Growth in PAT is lower due to the retrospective tax charge taken earlier this year Net interest income has increased by 18% to Rs. 58.5Bn ■ Average balance sheet has grown by 20% compared to 9M’14. ■ Average
Slide 3: Key Highlights
Key Highlights Administrative expenses are up 16%YoY to Rs 36.0Bn, but down 6% QoQ ■ Expense drivers remain staff and IT costs ■ However, cost to income ratio has improved to 41.0% in 9M’15 (9M’14: 46.8%) as a result of the strong revenue delivery Provisions ■ Gross NPLs have reduced by Rs 1.6 Bn in
Slide 4: Key Highlights
Key Highlights In Sep’15, the Balance Sheet has grown by 11% over Dec’14 to Rs 2.1 trillion Deposits increased to Rs 1.6 trillion, up 2% from Dec’14 ■ Total current accounts grew by 5% over Dec’14, current account mix now 35.3% (Dec’14: 34.2%) ■ Average domestic current deposits have grown by 23% Yo
Slide 5: Consolidated Financials - Balance Sheet
Consolidated Financials - Balance Sheet PKR Bln Dec'14 Sep'15 Var% Cash & Bank Balances 203.0 185.7 -8% Lending to Financial Institutions 34.3 42.8 25% Investments 924.3 1,182.1 28% Performing Advances 579.3 570.6 -1% Non Performing advances - net of provision 16.0 12.7 -21% Others 110.1 87.5 -21% T
Slide 6: Loans & Advances
Loans & Advances Loan portfolio composition by line of business International Advances – Location wise Others 14.8% International Corporate 27.3% 47.6% Mauritius 2.6% UAE Bangladesh 42.5% 3.0% Net loans: Bahrain Net loans: 6.4% PKR583bn PKR160bn Others Oman 3.7% 6.5% Consumer 4.8% Singapore Agricult
Slide 7: Deposits
Deposits Growth in Period End Deposits Growth in Average Deposits PKR Bn Dec'14 Sep'15 Var % Jun'15 Var % YoY PKR Bn 9M'14 9M'15 Var % Current 395 420 6% 454 -7% Current 308 380 23% Savings 620 685 10% 679 1% Savings 576 656 14% Fixed 242 186 -23% 209 -11% Fixed 237 219 -8% Domestic 1,256 1,291 3% 1
Slide 8: Income Statement
Income Statement PKR Bn 9M'15 9M'14 Var% Interest Income 109.2 101.1 8% Interest expensed (50.7) (51.7) 2% Net Interest Income 58.5 49.3 18% Non Interest Income 29.4 16.9 74% Gross Revenue 87.9 66.2 33% Admin Expenses (36.0) (31.0) -16% Operating Expenses (37.0) (31.7) -17% Pre Provision Operating P
Slide 9: Non Fund Income
Non Fund Income PKR Mln 9M'15 9M'14 Var% Fee, commission and brokerage income 11,706 9,020 30% Gain on sale of securities 11,486 1,457 688% Dividend income 1,338 701 91% Share of profit of associates and joint venture 1,849 1,907 -3% Income from dealing in foreign currencies 1,701 2,141 -21% Other i
Slide 10: Key Ratios
Key Ratios Ratios Dec'14 Sep'15 Advances : Deposits 43.4% 42.0% Asset Quality 12.0% 12.0% Coverage 83.2% 87.8% Capital Adequacy 16.2% 16.6% Ratios 9M-14 9M-15 Yield on advances 9.9% 8.6% Cost of deposits 4.5% 3.3% Net Interest Margin 4.8% 4.6% NCL ratio 0.3% 0.6% Return on average assets 1.7% 1.9% R
Slide 11: Non Branch Channels
Non Branch Channels Number of ATMs ATM Transactions 2,000 1,886 1,800 1,582 Particulars 9M-14 9M-15 Var % 1,600 1,400 1,283 772 No. of ATMs 1,463 1,886 28.9% No. of ATMs 543 1,200 350 1,000 734 No. of Transactions (in million) 30.1 40.6 34.8% 800 503 97 600 400 41 933 1,039 1,114 Total Cash withdraw