Investor Presentaiton
Loan trajectory reflects slowdown in a challenging macro landscape
Deposits increased by 6.5%...
with increase in Current deposits
INT
DOM
Rs in B
INT
DOM
3,693
3,469
507
428
3,041
3,186
1,469
1,397
191
176
1,221
1,278
Rs in B
Deposits
➤ Total domestic deposits grew to Rs 3.2T, increasing by
4.7% from Dec'22 growth entirely from low-cost
deposits.
-
Domestic current deposits up to Rs 1.3b; CA mix at
40.1%.
➤ Average domestic deposits of Rs 3.0T are Rs 315B
higher than H1'22. Low-cost deposits contributed 91%
of growth (Current: Rs 134 B, low-cost savings: Rs
152 B).
Dec'22
Jun'23
Average domestic deposits up by
11.9% (~Rs 300b) to Rs 2.95T
Dec'22
Jun'23
Advances declined to Rs 1.7T amid
slowdown
Rs in B
Advances
INT
DOM
3,509
3,036
494
336
Rs in B
INT
DOM
1,782
1,714
279
328
3,016
2,701
1,503
1,386
6M'22
6M'23
Dec'22
Jun'23
HBL
Due to economic slowdown, domestic advances
decreased over Dec'22 by 7.8% to Rs 1.4T.
Due to the economic slowdown, domestic advances
decreased over Dec'22 to Rs 1.4T.
➤ Decline mainly in corporate commercial lending. Agri /
Consumer holding steady.
➤ Overseas advances at $1.2 B are $86 M down from
Dec'22.View entire presentation