Investor Presentaiton
Highest ever quarter with Q2'23 PBT > Rs 30B. H1'23 PBT up 49% to Rs 51.5b
Rs in B
34.6
Group
Core domestic business
International
Rs in B
$ in M
PBT up by 49% to Rs 51.5b.
51.5
PBT/LBT Operating Profit
38.3
H1'22
H1'23
Double digit revenue growth
driven by strong growth in both
H1'22
NII up 53% YoY to Rs 96.6b
on NIM expansion
NII and NFI
122.5
Rs in B
83.6
Rs in B
63.1
62.5
H1'23
3.9
(0.5)
(5.5)
H1'22
H1'23
14.4
Core domestic PBT of Rs 62.5b is up
63% YoY
The International franchise delivered
PBT of $ 4.7m compared to $ 0.8m
due to considerable improvement in
operating performance
Fees continue strong
momentum, up 31% to Rs
15.9b
Admin. Expenses - up 30% to
Rs 56.6b amid high inflation.
Provisions have increased
by Rs 1.5b YoY
Rs in B
96.6
12.1
15.9
Rs in B
43.4
Rs in B
56.6
0.9
2.3
H1'22
H1'23
Revenue up 46% to Rs 122.5b,
Rs 21b.
HBL
H1'22
H1'23
➤ Average balance sheet Rs
460b higher than H1'22.
NIMS improved by 191bps.
H1'22
H1'23
Cards fee up 50%, contributing
>60% of growth. Double-digit
growth in Trade, Consumer
Finance, Cash Management.
H1'22
H1'23
FX impact on $ based expenses:
Rs 2.0b.
H1'22
H1'23
Provisions higher than H1'22
purely because of additional
general provisions.
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