Slide 1: MCB Bank Limited Investors Briefing
MCB Bank Limited Investors Briefing Financial Performance Analysis For the Year ended December 31, 2014 Presented by: Hammad Khalid Head Investor Relations, Financial Reporting and Taxation
Slide 2: Disclaimer
Disclaimer THIS PRESENTATION IS BEING PRESENTED TO YOU SOLELY FOR YOUR INFORMATION AND MAY NOT BE REPRODUCED, REDISTRIBUTED OR PASSED ON, DIRECTLY OR INDIRECTLY, TO ANY OTHER PERSON OR PUBLISHED, IN WHOLE OR IN PART, FOR ANY PURPOSE. This presentation might contain certain “forward looking statement
Slide 3: Statement of Financial Position
MCB Bank Limited Statement of Financial Position Rs. in mln Increase of 10% in Equity Unconsolidated Consolidated 2014 2013 YTD % 2014 2013 YTD % Assets 934,631 815,508 119,123 15% 941,606 821,278 120,328 15% Advances - net 303,559 248,243 55,317 22.3% 304,001 248,522 55,479 22% Investments 511,137
Slide 4: Non Performing Loans (NPLs)
MCB Bank Limited Non Performing Loans (NPLs) Rs. In mln Coverage ratio* at 85.62% (YE13: 85.74%), NPLs ratio improved to 6.80% (YE13: 8.68 %) Dec 14 Sep 14 June 14 Mar 14 Dec 13 YTD (Dec 14 vs. Dec13) Var. % Total NPLs 21,908 21,925 22,100 22,514 23,268 Total NPLs (1,360) ‐6% QoQ (17) (175) (414) (7
Slide 5: Investments
MCB Bank Limited Investments Increase of Rs. 221.37B in Pakistan Investment Bonds & decrease of Rs. 181.62B in Market Treasury Bills . Rs. In mln Composition of Investments Dec 2014 Dec 2013 Var. % var. Dec 2014 Dec 2013 Treasury Bills 141,538 323,158 (181,620) ‐56% T‐Bills 28.60% 72% Pakistan Inves
Slide 6: Deposits
MCB Bank Limited YTD increase/decrease YTD Deposits Current deposits 10% CASA reported at 91%, Increase recorded in Current Deposits +10%, Saving Deposits +10% Savings deposits 10% CASA 10% Term Deposits ‐4% Total Deposits 9% Q4 14 Q3 14 Q2 14 Q1 14 Q4 13 Volume Mix Volume Mix Volume Mix Volume Mix
Slide 7: Profit and Loss Statement
MCB Bank Limited Profit and Loss Statement Rs. In mln Standalone PBT increased by 14% and PAT increased by 13% Unconsolidated Consolidated 2014 2013 +/- % 2014 2013 +/- % Mark-up Income 77,269 65,064 12,205 19% 77,411 65,186 12,225 19% Mark-up Expense 33,757 27,196 6,561 24% 33,770 27,219 6,551 24%
Slide 8: Non-Markup Income
MCB Bank Limited Non‐ Markup Income Rs. In mln Budgeted Dec 2014 Dec 2013 Var. % var. Var. % var. Dec 2014 NON MARKUP INCOME 13,435 11,171 2,264 20% 11,805 1,630 14% Fee, Commission & Brokerage 7,225 6,741 484 7% 8,525 (1,300) ‐15% Dividend Income 1,061 933 128 14% 1,005 56 6% Income from dealing in
Slide 9: Key Ratios
MCB Bank Limited Key Ratios Coverage Non‐ EPS* Infection Coverage (incl. benefit BV* ROA ROE CAR ADR markup/Total (annualised) ratio ratio** of liquid Rev sec)*** Dec 2014 96.05 2.78% 23.83% 21.85 20.46% 46.83% 6.80% 85.62% 94.00% 14.81% Sep 2014 94.09 2.87% 23.93% 21.71 20.46% 46.24% 7.12% 84.62% 9
Slide 10: Awards / Accolades in 2014
MCB Bank Limited Awards / Accolades in 2014 CFA 11th Excellence Awards Best Bank of the year 2013 – Large Bank Most Stable Bank of the year 2013 Asiamoney Awards Best of the Best Domestic Bank The Asian Banker (USA) Strongest Bank in Pakistan 2014 Asset AAA Best Bank in Pakistan Best Domestic Bank I
Slide 11: International Recognition Awards / Accolades
International Recognition Awards / Accolades International Excellence in Retail Financial Services Awards Program 2015 “Best Corporate Report Award 2013 – Ranked among the Top 25 1st Runner Up Best Presented Annual Banking Sector” Companies in Pakistan Report Awards 2013 – Category Private “Best Cor
Slide 12: Thankyou
MCB Bank Limited Thankyou For further details on MCB Bank Limited, please visit www.mcb.com.pk For any query/comments/feedback, please e‐mail investor.relations@mcb.com.pk