Habib Bank Limited · PSX:HBL
Habib Bank — Q1 2017 Earnings Presentation
10 slides from Habib Bank's earnings presentation, March 2017
Slide 1: Financial Results – March 2017 Investor Presentation
Financial Results – March 2017 Investor Presentation 0
Slide 2: Key Highlights
Key Highlights Consolidated PAT is Rs 9.1 Bn, marginally higher than in Q1’16 • PBT is Rs 14.1 Bn, 1% higher than Q1’16 Net interest income of Rs 20.13 Bn is slightly lower than the Rs 20.18 Bn in Q1’16 • The average balance sheet has grown by 7.5% over Q1’16 • Average total domestic deposits have g
Slide 3: Key Highlights
Key Highlights Administrative expenses are up 13% YoY to Rs 13.8 Bn • The growth is primarily due to the consolidation impact of First MicroFinanceBank. • Excluding the impact of FMFB, expense growth has been contained to single digits. Provisions • Gross NPLs have reduced by Rs 0.2 Bn over Dec’16,
Slide 4: Key Highlights
Key Highlights In Mar’17, the Balance Sheet has grown by 2% over Dec’16 to Rs 2.6 trillion Deposits have increased by 1% over Dec’16 to Rs 1.9 trillion • Domestic deposits of Rs 1.6 trillion have increased marginally over Dec’16. Consequently, the Bank’s market share has improved to 14.2% in Mar’17.
Slide 5: Balance Sheet
Balance Sheet PKR Bln Mar'17 Dec'16 Var% Cash & Bank Balances 243.7 284.4 -14% Lending to Financial Institutions 21.7 34.0 -36% Investments 1,418.3 1,344.4 5% Performing Advances 755.5 741.8 2% Non Performing advances - net of provision 6.1 6.7 -8% Others 110.9 95.9 16% Total Assets 2,556.2 2,507.2
Slide 6: Net Advances
Net Advances Loan portfolio composition by line of business International Advances – Location wise Others 13.3% International 24.4% Corporate Mauritius 44.6% 1.6% Bangladesh 3.0% UAE 44.2% Bahrain Net loans: 10.1% Net loans: PKR762Bn PKR186Bn Others 9.1% Oman 4.7% Consumer Singapore 5.4% 5.3% Agricu
Slide 7: Deposits
Deposits Growth in Period End Deposits Growth in Average Deposits Q1'17 Q1'16 PKR Bln Mar'17 Dec'16 Var% PKR Bln Var% (Actual) (Actual) Current 555.2 549.7 1% Current 504.5 434.0 16% Saving 824.7 800.1 3% Saving 789.5 702.8 12% Term 203.6 228.2 -11% Term 185.5 165.7 12% Domestic 1,583.5 1,578.1 0% D
Slide 8: Income Statement
Income Statement Q1 2017 Q1 2016 PKR Bn Var% (Actual) (Actual) Interest Income 34.9 35.2 -1% Interest expensed (14.8) (15.0) 1% Net Interest Income 20.1 20.2 0% Non Interest Income 8.3 6.6 26% Gross Revenue 28.4 26.8 6% Admin Expenses (13.8) (12.2) -13% Operating Expenses (14.0) (12.4) -13% Pre Prov
Slide 9: Non Fund Income
Non Fund Income Q1 2017 Q1 2016 PKR Mln Var% (Actual) (Actual) Fee and commission income 4,793 4,412 9% Dividend income 178 390 -54% FX Income 670 389 72% Share of profit of associates 1,259 736 71% Other income 182 308 -41% Gain on sale of securities 1,231 364 238% Total non interest income 8,313 6
Slide 10: Key Ratios
Key Ratios Ratios Mar'17 Dec'16 Advances : Deposits 43.7% 43.3% Asset Quality 9.1% 9.2% Coverage 91.8% 91.2% Capital Adequacy 15.5% 15.5% Ratios Q1 2017 Q1 2016 Yield on advances 7.4% 8.1% Cost of deposits 2.4% 2.5% Net Interest Margin 4.0% 4.3% Spreads 3.4% 3.6% NCL ratio 0.1% 0.3% Return on averag