Mcb Bank Limited · PSX:MCB
Mcb Bank — H1 2022 Earnings Presentation
14 slides from Mcb Bank's earnings presentation, Jun 30, 2022
Slide 1: MCB Bank Limited Financial Highlights June 30, 2022
MCB Bank Limited Financial Highlights June 30, 2022 Presented by: Hammad Khalid Chief Financial Officer
Slide 2: MCB Overview
MCB Overview Branches Global Presence Customers ATMs 8 International branches Over 8.4 million Over 1491 ATMs all 1428 Domestic Branches in 3 countries customer accounts across Pakistan across Pakistan (EPZ:1) Market Share - Deposits Market Share - Advances Market Share – Home Remittance Market Shar
Slide 3: The Picture on exceptional performance in HY'22
The Picture on exceptional performance in HY’22 Strong revenue buildup driven by core deposits and forward looking investment strategy Key challenges for the Economy: Historic Earning in Q2-22, PBT of PKR 17.6 B • Highest interest rates since past many years with challenges on the balance of payment
Slide 4: Sound balance sheet footing
Sound balance sheet footing Exceptional performance in Deposits with above industry average growth Advances Portfolio: Jun 2022 Dec 2021 Var. % var. • Gross advances registered an increase of Rs. 15 billion (+2%) PKR in Billions • Consumer lending book continued its traction gained in the last year
Slide 5: Advances & NPLs
Advances & NPLs Coverage ratio* at 86.78% (YE21: 90.83 %), NPLs ratio stands at 7.87% (YE21: 7.94 %) Domestic NPLs Ratio at 6.55% (YE21: 6.77 %), Industry NPL ratio March 31, 2022:7.76%(YE21:7.89% ) Gross Advances (CAGR 10.46) 636 651 547 540 515 514 Jun 2022 Dec 2021 Var. % var. 368 Advances (gross
Slide 6: Diversified Investment Portfolio
Diversified Investment Portfolio 93% of the portfolio has been invested in Risk Free Government Securities 461 PKR in Billions Re-Pricing Schedule PKR in Billions PIBs Floating TBs 32 17 Up to 1M 318.43 26.12 1M to 3M 70.92 101.17 75 3M to 6M 71.13 23.34 6M to 1Y - 59.67 460.48 210.30 286 26 217 T-B
Slide 7: Branch Banking leads Growth in NIM with Current Deposits
Branch Banking leads Growth in NIM with Current Deposits Total Deposits (CAGR : 13.8%) Total Deposits Current Deposits 1,591 Saving Deposits 1,412 1,290 PKR 1.6 trillion PKR 681 billion PKR 788 billion 781 968 1,049 1,145 Up by 13% Up by 21% Up by 5% Dec-16 Dec-17 Dec-18 Dec-19 Dec-20 Dec-21 Jun-22
Slide 8: Strong buildup in Core Earnings during 1H-22
Strong buildup in Core Earnings during 1H-22 PKR 17.6 billion PBT in Q2 of 2022, highest ever quarterly Profit Exceptional performance in Core Earnings: • Strong volumetric growth in current account and favorable yield curve movements, net Jun 2022 Jun 2021 Var. % var. interest income for H1’22 incr
Slide 9: Maintains strong capital base above the regulatory standards
Maintains strong capital base above the regulatory standards CAR well above requirement of 11.5%* Risk Weighted Assets RWA Jun-22 : PKR 962 billion CAR Dec-21 15.1% 1.9% 17.0% ORWA, 153 MRWA, CAR 136 Jun-22 15.4% 1.0% 16.5% CRWA, 673 3.0% 5.0% 7.0% 9.0% 11.0% 13.0% 15.0% 17.0% 19.0% Tier I Tier II •
Slide 10: Islamic Banking Footprint
Islamic Banking Footprint MCB is the only bank in Pakistan having wholly owned Islamic Banking Subsidiary having 179 branches across the country MCB Islamic – Deposits & Advances PKR in Millions Profit / (Loss) after Tax PKR in Billions 2017 (263) 2018 (1,096) 142.51 2019 (244) 122.75 99.25 97.42 96
Slide 11: Way Forward
Way Forward Branch Banking Stream Digital Banking Stream • Focus on building No Cost Deposits • Internal & external Digitalization • Drive NFI streams through diversification (Trade, Remittance, • IMasterCard Simplify; SME e-commerce gateway E-Commerce) • IBPR and Workflows; • Improved Asset Quality
Slide 12: Awards & Accolades
Awards & Accolades
Slide 13: Awards/ Accolades
Awards/ Accolades “Winner – Overall Best Corporate Report Award Joint 1st Runner Up – Best Presented Annual Accounts 2019 – Best bank in Pakistan – 2020 Ranked among the Top 25 Companies in Pakistan 2020” Banking Sector Best bank in Pakistan - 2019 Winner – Best Presented Annual Accounts 2014 “Winne
Slide 14: 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