Mcb Bank Limited · PSX:MCB
Mcb Bank — Q1 2012 Earnings Presentation
12 slides from Mcb Bank's earnings presentation, Mar 31, 2012
Slide 1: Investors Briefing: Quarterly Performance Analysis, Q1 2012
MCB Bank Limited I Investors t Briefing B i fi Quarterly Performance Analysis Financial Results For the first quarter ended March 31, 2012 Presented by: Hammad Khalid Head Investor Relations MCB Bank Limited, Pakistan
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 Unconsolidated Consolidated Q1 12 YE 11 +/- % Q1 12 YE 11 Assets 666,644 653,233 13,411 2% 670,261 656,325 Advances - net 230,457 225,801 4,656 2% 230,443 225,795 Gross Advances 252,787 248,135 4,652 2% 252,773 248,128 Investments 327,630 316,652 10,979 3%
Slide 4: Non-Performing Loans
Non‐Performing Loans Rs. In Mlns Q1 12 Dec 11 Sep 11 June 11 Mar 11 Dec 10 Category of NPLs Total NPLs 26,270 26,665 26,463 25,422 24,894 24,544 YTD ‐ change ‐1.5% 8.6% 7.8% 3.6% 1.4% 5.6% Q Q QoQ (395) 202 1 041 1,041 528 350 656 QoQ % variance ‐1% 1% 4% 2% 1% 3% Substandard 2,008 2,045 1,886 552 1
Slide 5: Investments
Investments Rs. In Mlns Q1 12 YE 11 +/- % Q1 11 +/- % Treasury Bills 259,265 258,891 374 0.1% 215,818 43,447 20% Pakistan Investment Bonds 46,088 35,798 10,290 29% 16,671 29,417 176% TFCs, Debentures, Bonds and PTCs 4,012 4,025 (13) -0.3% 5,790 (1,778) -31% Other Government Securities 1,561 1,543 18
Slide 6: Deposits
Deposits Rs. In Mlns Q1 12 Q4 11 Q3 11 Q2 11 Q1 11 Volume Mix Volume Mix Volume Mix Volume Mix Volume Mix Deposits 512,067 491,189 482,938 496,206 462,301 Current deposits 171,706 34% 167,446 34% 169,167 35% 181,364 37% 163,911 35% Savings deposits 248,514 49% 229,902 47% 220,515 46% 220,838 45% 217
Slide 7: Profit and Loss Statement
Profit and Loss Statement Rs. In Mlns Unconsolidated Consolidated Q1 12 Q1 11 +/- % Q1 12 Q1 11 +/- % Mark-up p Income 17,545 15,960 1,585 10% 17,561 15,970 1,591 10% Mark-up Expense 6,847 5,037 1,810 36% 6,846 5,037 1,809 36% Net Mark-up Income 10,698 10,923 (225) -2% 10,714 10,933 (219) -2% Non In
Slide 8: Net Interest Income
Net Interest Income Rs. In Mlns Q1 12 Q1 11 +/- % MARK UP EARNED MARK-UP 17 545 17,545 15 960 15,960 1 585 1,585 10% On Loans and advances 7,585 8,856 (1,272) -14% On investments 9,803 6,897 2,906 42% On deposits with financial institutions 9 14 (4) -32% On securities purchased under resale agreemen
Slide 9: Non-Markup Income
Non‐Markup Income Rs. In Mlns Q1 12 Q1 11 +/- % Total Non-Interest Income 2,413 2,008 405 20% Fee, Commission & Brokerage 1,462 1,182 280 24% Dividend Income 505 189 317 168% Income from dealing in Foreign Currencies 255 214 41 19% Capital Gains 54 278 (224) -81% Other Income 137 145 (8) -6% Q1 12 Q
Slide 10: Key Financial Ratios
Key Financial Ratios Infection Coverage BV* ROA* ROE* EPS* CAR ADR ratio ratio Mar 2012 88.94 3.42% 28.09% 24.54 22.26% 49.37% 10.39% 85.00% Dec 2011 85.79 3.18% 26.23% 21.12 21.79% 50.52% 10.75% 83.76% Sep 2011 84.25 3.30% 28.21% 22.49 23.15% 54.58% 10.04% 83.14% June 2011 81.56 3.53% 29.32% 22.98
Slide 11: Awards and Recognitions
Awards and Recognitions Ranked 606, in July 2011 edition (2010: 621) 3rd highest among the local Top 5 Best Bank of the Year 2011 and Best Bank In Pakistan 2011 Most Stable Bank of the Year 2011 Strongest Bank in Pakistan 2010 Ranked among the Top 25 largest companies in Pakistan Best Bank Led Mobil
Slide 12: Thankyou
Thankyou For further details on MCB Bank Limited, please visit www.mcb.com.pk For any query/comments/feedback, / /f db k please l e‐mailil investor.relations@mcb.com.pk