Mcb Bank Limited · PSX:MCB
Mcb Bank — H1 2023 Earnings Presentation
12 slides from Mcb Bank's earnings presentation, June 2023
Slide 1: MCB Bank Limited Financial Highlights
MCB Bank Limited Financial Highlights Half Year Ended – June 30th, 2023 Presented by: Hammad Khalid Chief Financial Officer
Slide 2: MCB - At a Glance
MCB - At a Glance Branches Global Presence Customers ADCs 7 International Over 8.5 million Over 1470 ATMs Domestic : 1431 EPZ : 01 branches in customer 3 Countries accounts Over 950,000 MCB Live users Deposits Advances Home Remittance Trade Market Share Market Share Market Share Market Share 6.09 %
Slide 3: Key Highlights for the Half Year ended June 30, 2023
Key Highlights for the Half Year ended June 30,2023 Key challenges for the Economy: 65% increase in PBT • Pakistan signs ~$ 3 Bio nine-month Stand-By Arrangement with IMF. Program focuses on: • Strict implementation of the FY24 budget. • Restoration of a market-determined exchange rate and the estab
Slide 4: Sound Balance Sheet footing
Sound Balance Sheet footing Advances Portfolio: Jun 2023 Dec 2022 Var. % var. • Gross advances of the Bank decreased by Rs. 154 billion (-19%); • Corporate lending book decreased by Rs. 149.4 billion (-25%) whereas the Retail loan ASSETS 2,279.6 2,085.4 194.3 9% portfolio decreased by Rs. 8.7 billio
Slide 5: Advances & NPLs
Advances & NPLs Gross Advances (CAGR 4.12%) PKR in Billions Segmentwise Advances PKR in Billions Jun 2023 Dec 2022 Var. % var. 798 636 643 547 540 514 Advances (gross) 643 798 (154) -19% Retail 79 88 (9) -10% Corporate 457 606 (149) -25% Dec-18 Dec-19 Dec-20 Dec-21 Dec-22 Jun-23 Consumer 41 43 (2) -
Slide 6: Diversified Investment Portfolio
Diversified Investment Portfolio Composition of Investments PKR in Billions Jun 2023 Dec 2022 Jun 2023 Dec 2022 Var. % var. T-Bills 22% 13% PIBs 70% 80% Equity securities 4% 4% Treasury Bills 260.7 131.6 129.1 98% Other Government Securities 3% 2% Pakistan Investment Bonds - Fixed 292.1 289.3 2.7 1%
Slide 7: Total Deposits and Current Deposits growth
200 billion added in Current Deposits ; +29% Total Deposits (CAGR : 10.42%) 1,670 Total Deposits Current Deposits Saving Deposits 1,290 1,412 1,379 1.67 trillion 880 billion 733 billion 1,049 1,145 PKR PKR PKR Dec-18 Dec-19 Dec-20 Dec-21 Dec-22 Jun-23 Current Deposits (CAGR : 16.67%) CoD CASA Market
Slide 8: Impressive YoY increase in PBT i.e. 65%
Impressive YoY increase in PBT i.e. 65% Exceptional performance in Core Earnings: PKR in Billions Jun 2023 Jun 2022 Var. % var. • Strong volumetric growth in current account and timely repositioning of the asset book, net interest income is increased by 72% Mark-up Income 145.28 85.42 59.86 70% • No
Slide 9: Strong Capital Position & Ratios
Strong Capital Position & Ratios Buffer of 796bps on top of regulatory CAR Risk Weighted Assets Tier I Tier II RWA Jun-23 : PKR 1,021 billion ORWA, 177 CAR 17.1% 2.4% Jun-23 19.46% MRWA, 76 CAR 16.3% 2.5% 18.84% Dec-22 CRWA, 769 • Bank’s total Capital Adequacy Ratio (CAR) is 19.46% against the RWA D
Slide 10: MCB Islamic Bank - Snapshot
MCB Islamic Bank - Snapshot MCB is the only conventional bank operating a wholly owned Islamic Subsidiary – MCB Islamic Bank PKR in Billions Islamic Business - SoFP Key Indicators MCB Islamic – Deposits & Advances PKR in Billions Jun 2023 Dec 2022 Var. % var. Deposits 185.01 154.00 31.01 20% 185 154
Slide 11: Awards & Accolades
Awards & Accolades Asiamoney Awards Best Corporate Report Best Corporate Bank in Pakistan 2022 Overall Most outstanding Company in Pakistan 2020 “Joint Runner-up” – Overall Best Corporate Report 2021” Most outstanding Company in Pakistan 2020, 2019 Financial Sector “Joint Winner” - Best Corporate Re
Slide 12: Thank you!
Thank you! For more information write to us on info@mcb.com.pk. For any investor related query/comments/feedback, please e-mail investor.relations@mcb.com.pk