Mcb Bank Limited · PSX:MCB
Mcb Bank — Q3 2023 Earnings Presentation
15 slides from Mcb Bank's earnings presentation, Dec 20, 2023
Slide 1: MCB Bank Limited Corporate Briefing Session
MCB Bank Limited Corporate Briefing Session December 20, 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 8.6 million Over 1475 ATMs Domestic : 1431 EPZ : 01 branches in customer 3 Countries accounts Over 1 Million MCB Live users Deposits Advances Home Remittance Trade Market Share Market Share Market Share Market Share 6.07
Slide 3: MCBLive – Banking at your fingertips
MCBLive – Banking at your fingertips Key Highlights Total Registered Users 80% Growth (Sept’23 vs Sept’22) 1M Jan’23 to Sep’23 179% Growth Transaction (Sept’23 vs Sept’22) Vol. PKR 808BN
Slide 4: Financial Performance Third Quarter ended September 30, 2023
MCB Bank Limited Financial Performance Third Quarter ended September 30, 2023
Slide 5: Performance Highlights - September 30, 2023
Performance Highlights - September 30,2023 Pakistan’s Outlook 71% increase in PBT • Politics; Smooth shift of democratic power remains the key; • Macroeconomic outlook; ➢ GDP growth expected to improve ranging between 1.7% - 2.5%; ➢ Fiscal Deficit expected to remain high at 7.7% of GDP; PBT PKR 88.1
Slide 6: Sound Balance Sheet footing
Sound Balance Sheet footing PKR in Billions Sep 2023 Dec 2022 Var. % var. Advances Portfolio: • Gross advances of the Bank decreased by Rs. 151 billion (-19%); ASSETS 2,390.77 2,085.36 305.42 14.65% • Corporate lending book decreased by Rs. 133.4 billion (-22%) whereas the Retail loan portfolio decr
Slide 7: Advances & NPLs
Advances & NPLs Gross Advances (CAGR 4.03%) PKR in Billions Segmentwise Advances 798 547 636 646 540 PKR in Billions 514 Sep 2023 Dec 2022 Var. % var. Advances (gross) 646 798 (151) -19% Retail 69 88 (18) -21% Corporate 473 606 (133) -22% Dec-18 Dec-19 Dec-20 Dec-21 Dec-22 Sep-23 Consumer 40 43 (3)
Slide 8: Diversified Investment Portfolio
Diversified Investment Portfolio PKR in Billions Composition of Investments Sep 2023 Dec 2022 T-Bills 26% 13% PIBs 66% 80% Equity securities 4% 4% Other Government Securities 3% 2% Debt instruments 1% 1% Pakistan Investment Bonds PKR in Billions 559 528 540 555 653 450 461 424 236 266 286 284 289 29
Slide 9: Deposits growth
PKR 165 billion added in Current Deposits ; +24% Total Deposits (CAGR : 10.46%) Total Deposits Current Deposits Saving Deposits PKR in Billions PKR 1.72 trillion PKR 845 billion PKR 813 billion 1,716 1,049 1,145 1,290 1,412 1,379 Dec-18 Dec-19 Dec-20 Dec-21 Dec-22 Sep-23 Current Deposits (CAGR : 15.
Slide 10: Impressive YoY increase in PBT i.e. 71%
Impressive YoY increase in PBT i.e. 71% Exceptional performance in Core Earnings: PKR in Billions Sep 2023 Sep 2022 Var. % var. • Strong volumetric growth in current account and timely repositioning of the asset book, net interest income is increased by 73%; • Non-markup income increased to Rs. 22.6
Slide 11: Strong Capital Position & Ratios
Strong Capital Position & Ratios Buffer of 876bps on top of regulatory CAR Risk Weighted Assets Tier I Tier II RWA Sep-23 : PKR 1,036 billion ORWA, 177 CAR MRWA, 80 Sep-23 17.7% 2.5% 20.26% CAR Dec-22 16.3% 2.5% 18.84% CRWA, 779 • Bank’s total Capital Adequacy Ratio (CAR) is 20.26% against the requi
Slide 12: MCB Islamic Bank - Snapshot
MCB Islamic Bank - Snapshot MCB is the only conventional bank operating a wholly owned Islamic Subsidiary – MCB Islamic Bank Islamic Business - SoFP Key Indicators MCB Islamic – Deposits & Advances PKR in Billions PKR in Billions Sep 2023 Dec 2022 Var. % var. 183.43 154.00 Deposits 183.43 154.00 29.
Slide 13: Awards & Accolades
Awards & Accolades Asiamoney Awards Best Corporate Bank in Pakistan 2022 Best Corporate Report Overall Most outstanding Company in Pakistan 2020 Most outstanding Company in Pakistan 2020, 2019 Financial Sector “‘Runner-up” Best Corporate Report Award 2022 – Banking Sector Best Domestic Bank in Pakis
Slide 14: Thank you!
Thank you! www.mcb.com.pk +92 42 36041998-9 investor.relations@mcb.com.pk
Slide 15: Questions & Answers
Questions & Answers Q & A