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Habib Bank Limited

Habib Bank Limited. January 2014. Pakistan’s First Commercial Bank. 1. 1. 1. 1. 1. 1. PKR 1,537 *. Assets ( bn ). PKR 1,268 *. Deposit ( bn ). > 1500. Domestic Branches. > 1300. ATMs. 51.0% - Aga Khan Fund for Economic Development (AKFED)

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Habib Bank Limited

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  1. Habib Bank Limited January 2014

  2. Pakistan’s First Commercial Bank 1 1 1 1 1 1 PKR 1,537 * Assets (bn) PKR 1,268 * Deposit (bn) > 1500 Domestic Branches > 1300 ATMs 51.0% - Aga Khan Fund for Economic Development (AKFED) 7.5% - Institutional and retail investors 41.5% - Government of Pakistan Customers > 8 million Highest Brand Recall * As of September 30, 2013

  3. The Largest Bank in Pakistan We Started With… • Pakistan’s largest branch network • Largest customer base representing all customers types • Focusing on customer experience • Revamping branch infrastructure • Service excellence and sales culture through extensive training • Robust KPI regime • Broadening product offering We energized the network by… • Largest Retail bank - market leadership in deposits and bancassurance • Largest Corporate & Investment Bank • Leading issuer of debit cards and remittance payouts • Largest growth in new customer acquisition. Resulting in… Way Forward • Focus on Rural and SME sectors • Branchless banking for financial inclusion • Focus on product cross sell • Leverage the Retail network to offer cash management and transactional services for institutional clients • Support infrastructure projects & Corporate Finance advisory opportunities • Expand wealth management business

  4. HBL Focus Areas -SME Lending in Pakistan • SME lending in Pakistan is significantly under penetrated vs other markets • 36.7 • SME loans/Total business loans (%) • Indonesia • Pakistan • China • India • Malaysia • Canada • UK • France • USA • Turkey SOURCE: OECD documents, press search, McKinsey analysis

  5. HBL Focus Areas- Agriculture Finance in Pakistan Agriculture finance in Pakistan There is significant potential to increase penetration of agriculture finance in Pakistan • Agriculture finance as percent of GDP • 2012, Percent • 5th largest producer of milk worldwide – total industry value of over PKR 1.5 trillion • 4th largest producer of cotton, contributing 5% of global spinning capacity • Cotton and textiles account for over PKR 1 trillion or 50% of total export earnings • Ranked 14th in global rice production • Annual horticulture production of over 14 m tons – total industry value of PKR 500 billion • Thailand • 7.5% • Phillipines • 6.5% • China • 6.0% • India • 5.8% • Brazil • 4.2% • Turkey • 4.2% • Indonesia • 2.0% • Pakistan • 1.4% • Bangladesh • 1.4% • Ø 4.3 SOURCE: Central bank reports; Economic Intelligence Unit; State Bank of Pakistan; Trade Development Authority of Pakistan Report (2012-13)

  6. Pakistan’s International Bank International Footprint • Direct presence in 23 countries • Network of 53 branches • Presence in key financial hubs; London, New York, Brussels, Singapore, Dubai and Hong Kong • Presence in 6 countries through associates and related entities Comprehensive Regional Coverage China Afghanistan • Positioned as a “unique” regional player to increase market share in intra regional • Trade finance • Remittances • Investment banking Iran Nepal Iran Bahrain UAE Oman Bangladesh Head Office and Domestic Branch Network Subsidiary Related Entity Maldives Representative Office Sri Lanka Branch

  7. Leadership in Deposits Total Deposits Domestic Deposits PKR Billion PKR Billion CAGR 16.8% CAGR 17.2% Absolute growth in HBL of PKR 250bn in 2012 vs. market growth of PKR 808bn Current Accounts Market Share PKR Billion CAGR 23.8%

  8. Strong Capital Base Share Holder’s Equity CAR PKR Billion Tier I Capital Risk Weighted Assets PKR Billions PKR Billion

  9. Sustained Earnings Net Interest Income Total Revenue PKR Billion PKR Billion Cost to Income Ratio Non Interest Expense PKR Billion

  10. Strong Returns Return on Equity Return on Assets Earnings per Share Dividend per share PKR PKR

  11. Stable Stock Performance Stock Performance PKR per share Volumes in Thousands Share price (PKR) 169.00 Market Cap (PKR bn) 226.03 Price to Earnings (x) 10.42 Price to Book (x) 1.65 Source: Reuters – 14 October 2013 Comparative Performance Source: Bloomberg

  12. Award Winning Franchise Best Bank in Pakistan, Euromoney 2013 Best Retail Bank in Pakistan, AsianBanker Magazine 2013

  13. HBL –Getting Bigger & Stronger

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