Habib Bank Limited (HBL): 1QCY25 Earnings Call Key Takeaways - By Taurus Research

<p></p><ul><li><span style="font-family:Arial, Helvetica, sans-serif;font-size:medium;">HBL continues to operate with 1,675 branches as of Mar&rsquo;25. The Bank holds 30% market share of Agri Finance in Pakistan along with its subsidiary HBL Microfinance Bank. The Bank also has SME portfolio amounting to PKR 99Bn i.e. 18% market share. Consumer lending portfolio was recorded at PKR 148Bn as of Mar&rsquo;25, with Personal Loans of PKR 50Bn, Credit Cards of PKR 43Bn, Car Loans of PKR 35Bn and Mortgages of PKR 20Bn, respectively. MDR revision had a modest net effect on EPS.</span></li></ul><ul><li><span style="font-family:Arial, Helvetica, sans-serif;font-size:medium;">Group profit before tax was up 22%YoY in 1QCY25, with the core domestic PBT growing 32% to PKR 35.6Bn due to strong revenue and contained expenses and provisions. Interna...