Slide 1: Presented by Hammad Khalid, Head Investor Relations, MCB Bank Limited
Presented by: Hammad Khalid, Head Investor Relations, MCB Bank Limited
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
Statement of Financial Position Rs. in Mlns Standalone Consolidated 9M 11 YE 10 % 9M 11 Mix YE 10 Mix % Cash & Balances with T.Banks 44,375 6% 45,407 8% -2% 44,375 6% 45,407 8% -2% Balances with other Banks 938 0.1% 1,479 0.3% -37% 1,006 0.1% 1,552 0.3% -35% Lendings to Financial Institutions 35,690
Slide 4: Advances
Advances Rs. in Blns 9M 11 YE 10 +/- % 9M 10 Var. % Advances (gross) 264 274 (11) -4% 247 17 7% Commercial 45 54 (10) -18% 37 8 22% Corporate 179 178 1 1% 168 11 6% Consumer 13 16 (3) -19% 17 (4) -25% Business Sarmaya 4 6 (1) -26% 6 (1) -27% Islamic 5 4 2 46% 3 3 109% Overseas 11 9 2 17% 9 2 17% Oth
Slide 5: Non-Performing Loans
Non-Performing Loans Rs. in Mlns Quarterly additions in NPLs Sep 11 June 11 Mar 11 Dec 10 Sep 10 June 10 Mar 10 1,200 1,041 Total NPLs 1,000 26,463 25,422 24,894 24,544 23,888 24,134 23,312 822 YTD ‐ change 8% 3.6% 1.4% 5.6% 2.8% 3.9% 0.3% 800 656 QoQ 528 1,041 528 350 656 (246) 822 73 600 QoQ % var
Slide 6: Investments
Investments Rs. in Mlns 9M 11 YE 10 +/- % Treasury Bills 275,468 189,111 86,357 46% Pakistan Investment Bonds 11,436 6,936 4,500 65% TFCs, Debentures, Bonds COIs and PTCs 5,962 5,772 190 3% Other Government Securities 1,493 1,447 47 3% Shares in Listed and Unlisted Co.s 12,081 7,393 4,689 63% Sukook
Slide 7: Deposits
Deposits Rs. in Mlns Q3 11 1H 11 Q1 11 Q4 10 Q3 10 Volume Mix Volume Mix Volume Mix Volume Mix Volume Mix Deposits 482,938 496,206 462,301 431,372 422,272 Current deposits 169,167 35% 181,364 37% 163,911 35% 151,155 35% 150,507 36% Savings deposits 222,431 46% 224,266 45% 217,367 47% 200,143 46% 193
Slide 8: Profit and Loss Summary
Profit and Loss Summary Rs. in Mlns Standalone Consolidated 9M 11 9M 10 +/- % 9M 11 9M 10 +/- % Mark-up Income 49,613 40,241 23% 49,658 40,247 23% Mark-up Expense 16,691 13,260 26% 16,697 13,258 26% Net Mark-up Income 32,922 26,981 22% 32,961 26,989 22% Non Interest Income 6,077 4,591 32% 6,222 4,75
Slide 9: Income Composition
Income Composition Rs. in Mlns Markup Income and Expense = NIM 9M 11 9M 10 +/- % MARK-UP EARNED 49,613 40,241 9,372 23% On Loans and advances 25,641 24,597 1,044 4% On investments 23,152 14,390 8,763 61% On deposits with financial institutions 8 17 (9) -54% On securities purchased under resale agree
Slide 10: Administrative Expenses
Administrative Expenses Rs. in Mlns September Variance Last Year 2011 2010 Amount %age Personnel expenses Salaries and allowances 4,692 4,075 617 15% Bonus 981 812 169 21% Outsource staff costs 585 654 (69) -11% Contributions to defined contribution plan - provident fund 132 119 14 12% Post retireme
Slide 11: Key Financial Ratios
Key Financial Ratios 9M11 1H11 1Q11 YE10 9M10 1H10 1Q10 YE09 ADR (gross) 54.58% 56.79% 60.49% 63.55% 58.47% 62.82% 66.29% 73.37% Loan loss Provision to Advances (gross) 8.35% 7.74% 7.36% 7.15% 7.42% 6.97% 6.68% 6.11% Infection ratio 10.04% 9.02% 8.90% 8.95% 9.68% 9.16% 8.98% 8.62% Loan Loss Provisio
Slide 12: Major Awards and Recognitions
Major Awards and Recognitions Ranked 606, 3rd highest among the local Top 5 “Most Stable Bank in Pakistan The Best Domestic Bank in Pakistan Ranked among the Top 25 largest companies in Pakistan Awards and Recognition “Best Corporate Report Award 2009” “Series of Awards Won” Certificate of Merit for
Slide 13: Thankyou
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