<ul><li><span style="font-family:Arial, Helvetica, sans-serif;font-size:medium;">Habib Bank Limited (HBL) conducted its corporate briefing
session today to review its financial performance and discuss future outlook.</span></li><li><span style="font-family:Arial, Helvetica, sans-serif;font-size:medium;">The bank is expecting deposit growth rate of 12-14% during
the next 3-years. Deposits during last 5-years have grown at a CAGR of 12%.</span></li><li><span style="font-family:Arial, Helvetica, sans-serif;font-size:medium;">NIMs have bottomed out and is expected to improve from 2022.
Although, interest rates have increased recently however deposit reprising take
place instantly, whereas asset reprise gradually.</span></li></ul>
