Habib Bank Limited
H1'23 Performance
2nd August, 2023
HBL continues to lead the pack across most metrics
Expanding | #1 | ||||||||||
Touchpoints | ATMs | Konnect Agents | |||||||||
#1 | Branch Network | #1 | #1 POS Terminals | ||||||||
#1 | QR Codes | ||||||||||
Reach | |||||||||||
1,758 | 2,291 | 55,121 | 46,514 | 47,032 | |||||||
152,714
Contributing to | #1 | Agri Finance | #1 | SME Finance | #1 Employee Banking | #1 | Transaction Banking | |
development | ||||||||
Rs. 50 Bn | Rs. 79 Bn | 2.6Mn Salary Accounts | 8,500+ Mandates | |||||
17.5% | 31.6% | Collections | Business Payments | |||||
36% | 28.5% | |||||||
34.1% | ||||||||
Market share | Market share | Market share* | Market share* | Market share* |
Financial | #1 | Customers Served | #1 | Advances | #1 | Deposits | #1 | Assets |
Stability | ||||||||
Rs. 1.7 T | Rs. 3.7 T | |||||||
36 Mn+ | Rs. 4.95 T | |||||||
11.3% | 12.1% | |||||||
Market share | Market share | |||||||
*Market Share as of December 2022 | 2 |
HBL continues its momentum in areas of strategic focus
1 | Non-branch channels drive customer | 2 | …and we continue to digitize more and | |
growth - 2.9 million customers added…. | ||||
more transactions | ||||
3 | Consumer lending holding up against |
macro headwinds | |
Customers
33.4 M | 9% growth | 36.3 M |
Dec'22 | Jun'23 | |
Branches | 12.3 | 12.1* |
Konnect 8.3 9.3
HMFB 3.4 3.8
G2P | 9.4 | 11.1 | |
4 | Cards base 8.4Mn. 1/3 of country's | ||
credit card volume / spend are on HBL | |||
Our Card Spend | Rs in B Our POS Spend |
Digital | Counter |
334 Mn 358 Mn 468 Mn 568 Mn 166 Mn 170 Mn
26% | 20% | 16% | 14.3% | 12.9% | |
37% | |||||
74% | 80% | 84% | 85.7% | 87.1% | |
63% | |||||
2019 | 2020 | 2021 | 2022 | Q1'23 | Q2'23 |
5 | Trade Volumes - Domestic share | ||||
rebounds | |||||
Imports | $ 927 M | 36% increase $ 1,257 M |
Rs 122 B | Rs 122 B | ||||||
Jun'23 | |||||||
Dec'22 | |||||||
#1 | #1 | #1 | |||||
Portfolio | Rs0.4bn | Rs4bn | Rs3.3bn | Rs0.4bn | |||
Rs 45bn | Rs 37bn | Rs27bn | Rs13bn | ||||
Personal | Auto | Cards | Mortgage | ||||
Largest consumer book in the sector | |||||||
6 | Remittance market share recovered | ||||||
>10% | |||||||
4% increase |
HBL Credit Card
HBL Debit Card
197
50% | ||||||||
growth | ||||||||
131 | 113 | |||||||
79 | ||||||||
84 | ||||||||
52 | ||||||||
35%
growth
162
120
7.9% | 11.8% | |||||||
Exports | $ 883 M | 6% increase | $ 936 M | |||||
12.9% | 13.7% | |||||||
Q1'23 | ||||||||
Q2'23 | ||||||||
$ 1,153 M 11% decrease $ 1,030 M | ||||||||
Overseas | Q1'23 | |||||||
Q2'23 |
Volumes | $ 637 M | $ 663 M | |
Q1'23 | |||
Q2'23 | |||
Market share | 9.93% | 10.20% |
Q1'23 | Q2'23 | |
H1'22 | H1'23 | H1'22 | H1'23 |
*0.5 M unclaimed accounts surrendered to SBP in Apr'23 | 3 |
HBL Digital - Throughput up 40% YoY to Rs 8.7T
Digital throughput composition | Konnect - Total volumes up 71% YoY |
MB/IB - Growing user base(>3.4m) and
HBL Pay Checkout - Higher ticket
Rs in B | ||
2,023 | ||
989 | ||
4,817 | 493 | |
162 | 197 | |
TEB MB/IB ATM Konnect Cards POS
Cash management - Throughput up 20% to Rs 7.1T, digital transactions up to 68%
Digital
60
50
40
30
20
10
0
Konnect Vol (Rs B) | G2P Vol (Rs B) | |
493
289 | 63% | 184 |
growth | ||
113 | ||
76% | 309 | |
176 growth
H1'22H1'23
Monthly Active Users*
Konnect App : 14.1%
'000s
ticket size have more than doubled
volumes
Trans. Vol (Rs B) | Trans. Count (M) |
88 | |
55 | |
Volumes | 2,023 |
up +117% | |
932 | |
H1'22 | H1'23 |
Monthly Active Users*
Mobile : 77%
'000s
size drives volume growth
Trans. Vol (Rs B) | Trans. Count (M) | ||||||
20 .5 | 2.6 | ||||||
20 .0 | 2.5 | ||||||
19 .5 | 2.3 | ||||||
2.0 | |||||||
19 .0 | |||||||
18 .5 | 1.5 | ||||||
18 .0 | Volumes | 19.8 | |||||
17 .5 | up 15% | 1.0 | |||||
17 .0 | |||||||
17.3 | 0.5 | ||||||
16 .5 | |||||||
16 .0 | - | ||||||
H1'22 | H1'23 | ||||||
HBL Symphony® - Fixed income | |||||||
portal - volumes now picking up after | |||||||
Q4'22 launch | |||||||
9% growth
Active | Inactive | |
Active | Inactive |
1 2 | Volumes ($ B) | 120 |
Rs 793 B | Rs 867 B | |||
H1'23 | ||||
2,647
3,003
2,845
3,129
1 1 | |
1 0 | 100 |
H1'22 | |
25% growth | |
Rs 3,163 B | Rs 3,951 B |
687
712
9 | |
8 | 80 |
7 | |
6 | 60 |
OTC Payments Collections
H1'22 | H1'23 |
18% growth | |
Rs 1,966 B | Rs 2,317 B |
H1'22 | H1'23 |
2,581 | ||||||||
2,283 | ||||||||
422 | ||||||||
364 | ||||||||
Dec'22 | Jun'23 |
2,1582,417
Dec'22Jun'23
5 | Volumes | 94 |
4 | up +488% | 40 |
3 | ||
2 | 20 |
116
0 | 0 |
Q1'23Q2'23
*Login past 90 days | 4 |
Independent Recognition - A testament to HBL's continued endeavors to raise the bar
2023 Banking Awards
Best Domestic Bank Best Bank for Digital Solutions
Most Innovative
Bank in Asia
Excellence in Digital
Transformation
Best Digital Payment
Processor
Best Investment Bank
HBL ranked #1
HBLMFB ranked #2
- Best Project Finance Bank Pakistan 2023
- Best Infrastructure Project Finance Deal
- Best Syndicated Loan Deal of Pakistan
- Largest Power Project Deal of Pakistan
- Best Telecom Deal of Pakistan
- Best Infrastructure Project Finance Deal of Pakistan
Business awards 2023
- Analytics Initiative of the Year
- Digital Business Banking Initiative of the Year in Pakistan
- Digital Consumer Banking Initiative of the Year in Pakistan
- Domestic Cash Management Bank of the Year in Pakistan
- Domestic Project Finance Bank of the Year
- Corporate & Investment Bank of the Year
- Equity Deal of the Year Pakistan.
- Mergers & Acquisition Deal of the year
- Project Finance House of the Year
- Telecom Deal of the Year
- Private Public Partnership (PPP) Deal of the Year
- Best Structured Finance Deal
Best bank & other awards
Best Bank in Pakistan
CFA Society
Pakistan
Best Microfinance Bank
Best Social Media Marketing
Campaign
Most Inclusive
Organization in 2022
HBL is the only bank to win an
award in all 15 categories
Best Bank for
Agriculture Financing
5
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HBL - Habib Bank Limited published this content on 26 July 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 26 July 2023 10:30:36 UTC.