Investor Presentaiton
Customers
HBL continues its momentum in areas of strategic focus
1
Non-branch channels drive customer
growth -2.9 million customers added....
2
...and we continue to digitize more and
more transactions
3
Consumer lending holding up against
macro headwinds
9% growth
Digital Counter
33.4 M
Dec'22
36.3 M
Rs 122 B
Jun'23
334 Mn 358 Mn 468 Mn 568 Mn 166 Mn 170 Mn
Rs 122 B
Jun'23
Dec'22
20%
16%
14.3%
12.9%
26%
37%
Branches
12.3
12.1*
#1
#1
$
#1
Konnect
8.3
9.3
74%
80%
84%
85.7%
87.1%
63%
HMFB
3.4
3.8
Portfolio
Rs0.4bn
Rs4bn
Rs3.3bn
⭑Rs0.4bn
Rs 45bn
Rs 37bn
Rs27bn Rs13bn
Personal
Auto
Cards
Mortgage
G2P
9.4
11.1
2019
2020
2021
2022
Q1'23
4
Cards base 8.4Mn. 1/3 of country's
credit card volume / spend are on HBL
5
Trade Volumes - Domestic share
rebounds
Q2'23
6
Largest consumer book in the sector
Remittance market share recovered
>10%
Rs in B
Our Card Spend
Our POS Spend
HBL Credit Card
HBL Debit Card
197
35%
growth
50%
growth
131
113
162
79
120
84
52
Overseas Exports Imports
$ 927 M 36% increase $ 1,257 M
7.9%
11.8%
$ 883 M
6% increase
$ 936 M
13.7%
Q1'23
12.9%
Q1'23
$1,153 M 11% decrease
Q2'23
$ 1,030 M
Q2'23
Market
share
Volumes
4% increase
$ 637 M
$ 663 M
Q1'23
Q2'23
9.93%
Q1'23
10.20%
Q2'23
H1'22
H1'23
H1'22
H1'23
HBL *0.5 M unclaimed accounts surrendered to SBP in Apr 23View entire presentation