Habib Bank Limited · PSX:HBL
Habib Bank — 9M 2016 Earnings Presentation
10 slides from Habib Bank's earnings presentation, September 2016
Slide 1: Financial Results – September 2016 Investor Presentation
Financial Results – September 2016 Investor Presentation 0
Slide 2: Key Highlights
Key Highlights Consolidated PAT for 9M’16 is Rs 25.8 Bn, marginally higher than in 9M’15 • PBT is Rs 43.5 Bn, 8% lower than 9M’15 primarily due to significant capital gains in 9M’15. Excluding capital gains, PBT is 10% higher than for 9M’15 and PAT is 25% higher. Net interest income has increased by
Slide 3: Key Highlights
Key Highlights Administrative expenses are up 10% YoY to Rs 38.9 Bn • The growth is primarily due to the full impact of increase in the branch network, certain 1-off costs, the rupee devaluation impact on international expenses and the consolidation impact of First Microfinance Bank • The cost to in
Slide 4: Key Highlights
Key Highlights In Sep’16, the Balance Sheet has grown by 7% over Dec’15 to Rs 2.4 trillion Deposits have increased by 5% over Dec’15 to Rs 1.7 trillion • Domestic current deposits have increased by 9% over Dec’15 to Rs 511 Bn, current deposit mix now at 35.6% (Dec’15: 34.4%) • Domestic CASA ratio ha
Slide 5: Balance Sheet
Balance Sheet PKR Bln Sep'16 Dec'15 Var% Cash & Bank Balances 240.6 207.7 16% Lending to Financial Institutions 11.7 18.4 -37% Investments 1,367.5 1,270.8 8% Performing Advances 663.3 629.8 5% Non Performing advances - net of provision 7.8 7.6 2% Others 92.1 84.1 9% Total Assets 2,382.9 2,218.4 7% D
Slide 6: Net Advances
Net Advances Loan portfolio composition by line of business International Advances – Location wise Others 14.0% International 23.8% Corporate Mauritius 48.2% 2.2% Bangladesh UAE 3.2% 42.7% Net loans: Bahrain Net loans: PKR671Bn 10.1% Others PKR160Bn 5.4% Consumer Oman 5.1% 6.6% Agriculture 4.8% Sing
Slide 7: Deposits
Deposits Growth in Period End Deposits Growth in Average Deposits PKR Bln Sep'16 Dec'15 Var% PKR Bln 9M'16 9M'15 Var% Q3'16 Q2'16 Var% Current 510.6 469.7 9% Current 455.1 383.8 19% 473.1 458.1 3% Saving 766.1 701.0 9% Saving 722.6 655.9 10% 761.3 703.8 8% Term 157.8 196.5 -20% Term 172.0 219.7 -22%
Slide 8: Income Statement
Income Statement PKR Bn 9M'16 9M'15 Var% Interest Income 106.8 106.6 0% Interest expensed (44.6) (48.4) 8% Net Interest Income 62.2 58.2 7% Capital Gain 3.5 10.7 -68% NFI Ex Capital Gain 18.7 17.3 8% Non Interest Income 22.2 28.1 -21% Gross Revenue 84.4 86.2 -2% Admin Expenses (38.9) (35.2) -10% Ope
Slide 9: Non Fund Income
Non Fund Income PKR Mln 9M'16 9M'15 Var% Fee, commission and brokerage income 13,651 11,530 18% Gain on sale of securities 3,483 10,725 -68% Share of profit of associates and joint venture 2,496 2,323 7% Dividend income 905 1,158 -22% Income from dealing in foreign currencies 1,066 1,701 -37% Other
Slide 10: Key Ratios
Key Ratios Ratios Sep'16 Dec'15 Advances : Deposits 43.1% 43.2% Asset Quality 10.4% 10.9% Coverage 90.0% 90.1% Capital Adequacy 16.4% 17.0% Ratios 9M'16 9M'15 Yield on advances 8.0% 8.5% Cost of deposits 2.5% 3.3% Net Interest Margin 4.2% 4.6% Spreads 3.6% 3.9% NCL ratio 0.3% 0.6% Return on average