Habib Bank Limited · PSX:HBL
Habib Bank — Investor Day (May 2021)
18 slides from Habib Bank's investor day presentation, May 27, 2021
Slide 1: HBL Investor Day: Digital Overview
HBL INVESTOR DAY DIGITAL OVERVIEW 27 May 2021
Slide 2: Bank of the Future
BANK OF THE FUTURE … • Financial Inclusion Data Driven • Machine learning & Al New Business • Mobile first Decision • IoT • Solutions NOT products Model • Advice and contextual Making • Collaborative & transparent suggestions • Open APIs • Ecosystem play • New organization structures • Data monetiza
Slide 3: Technology & Trends Shaping the Change
TECHNOLOGY & TRENDS SHAPING THE CHANGE … Robotics Artificial Process Data Intelligence Automation Enablement IOT & Image Embedded in Analytics Daily Life Personalized On Demand 3
Slide 4: HBL Strategy Key Pillars
HBL STRATEGY KEY PILLARS … Accelerate Financial Services in Pakistan Bank the unbanked 100 Mn adults in Pakistan are unbanked Regional Relevance Double down on Pakistan corridor Move towards cross regional business Innovation & Technology Pivot to a technology company with a banking license 4
Slide 5: Multipronged Approach Towards Digital
MULTIPRONGED APPROACH TOWARDS DIGITAL … Digital Culture 06 01 Driving Principles Internal Awareness Customers Digital Marketing, Digital Enablers HR Chatbot, People Rebranding, Social • Data Driven Connect App, BI Media • Strategically Aligned er Cent Decisioning m Organization & Gov. ric • Customer
Slide 6: Enabling Easy & 24/7 Interaction with Money
ENABLING EASY & 24/7 INTERACTION WITH MONEY … Branches Mobile App Agents My Loans Payment Gateway My Money ATMs & POS QR Codes My Lifestyle My Bills, Health & Physical & Virtual Cards CCDMs Education Internet Banking WhatsApp My Shopping My Payments Contact Centre Facebook 6
Slide 7: Financial Inclusion
FINANCIAL INCLUSION … Banking solutions outside bank branches using agent locations and other digital channels • Kissan Card - 43K • Extended Distribution network • Agri Subsidy (Farmers Served 520K+) • Easy Access, Increased Touch Points, • Agri Mart & Merchant Aggregator Portals Leveraging Digital
Slide 8: Partnerships
PARTNERSHIPS … Enabling Lifestyle Startup Collaborations Venture Capital Fund Value Propositions Strategic Partnerships Fintech Partnerships • Shopping • Startup Acceleration • Fintech Fund • Healthcare • Women Leadership • Fintech Investments • Travel • Innovation • Food • Insurance 8
Slide 9: Digital Products
DIGITAL PRODUCTS … Roshan Digital & Digital Personal Agri Lending Credit Card Tap & Pay Digital Car Loan & Konnect Account Loan on HBL Mobile Digitization at Front Request on HBL Digital Mortgages End Mobile WIP Key Enablers Data Lake I CRM I CLM I Hybris & Robotics I Process Automation 9
Slide 10: Data – The New Oil (Protect and Grow)
DATA – THE NEW OIL (PROTECT AND GROW) … Customer, Product & Fresh & Incremental Behavioral Insights Data Customer 360 IOT & Automated Cross Sell / Upsell Acquisition Grow Operate Reduce Customer Data Driven Process Churn Automation & Tailored & Personalized Data Robotics Offering Lake Data Protectio
Slide 11: Empowering the Staff (Sales Management Tools)
EMPOWERING THE STAFF (SALES MANAGEMENT TOOLS) Provide data led transparency and accountability for sales and field force staff and managers to enhance efficiency Objective and enable a structured and progressive digital mindset Utility Features Attendance authentication Time management – customer fa
Slide 12: HBL Pay
HBL PAY … Assisted Self Service CRPL AGRI LOAN SMART CASH MANAGEMENT PORTAL SALES FLO SINGLE SIGN ON UNIFIED ON- TRADE PORTAL BOARDING CORPORATES MYSIS APPLICATION (Unified Customer Demographics + MIS PORTAL REPORTING Single KYC KONNECT Database) Role Based Access SME ADDITIONAL SERVICE REQUEST CTL
Slide 13: Awareness & Engagement in the Digital World
AWARENESS EMPOWERING&THE ENGAGEMENT IN THE STAFF (SALES DIGITAL MANAGEMENT TOOLS) WORLD … Goals Enablers Unified Social Media AWARENESS Audience led channel strategy vision & CONSIDERATION Target high value audience Acquisition/lead generation ACQUISITION campaigns ACTIVATION Personalize user experi
Slide 14: Awareness & Engagement in the Digital World (2020-2021 & Beyond)
AWARENESS & ENGAGEMENT IN THE DIGITAL WORLD … Firebase: 2020 2021 & Enhance the Customer App experience. Beyond Event creation Up to 500 trigger points End-to-end tracking of customer journey Analytics, conversions and events. Website Load Time Desktop focused Optimized for Mobile & Deskto
Slide 15: Enablement & Infrastructure Upgrades
ENABLEMENT & INFRASTRUCTURE UPGRADES … Digitization leads to Microtization of transactions eventually leads to large transactional volumes… New Core Banking Cloud Solutions Capacity Enhancements Back-end systems 15
Slide 16: Modern Core Banking Will Enable Five Strategic Capabilities
MODERN CORE BANKING WILL ENABLE FIVE STRATEGIC CAPABILITIES FOR HBL … Individualized customer Agility - Build the engine for experiences - build and embed faster reaction to customers Artificial Intelligence into the Core across all channels Banking platform to provide individualised customer engage
Slide 17: The Journey Is Exciting but Challenging
THE JOURNEY IS EXCITING BUT CHALLENGING… Culture & Talent Democratization of Financial Services Constantly Evolving Business Models Technology Cyber Integration Security & Data 17 Privacy
Slide 18: Disclaimer
Disclaimer The information contained herein has been prepared by HBL for informational purposes. HBL relies on information obtained from sources believed to be reliable but it makes no warranty, express or implied, nor assumes any legal liability or responsibility for the accuracy, correctness, comp