Slide 1: Investors Briefing: Financial Performance Analysis
MCB Bank Limited Investors Briefing Financial Performance Analysis For the year ended December 31, 2012 Presented by: Hammad Khalid H d Investor Head I t Relations, R l ti Financial Fi i l Reporting R ti and d Taxation T ti
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
MCB Bank Limited Statement of Financial Position Increase of 17% in Assets base, base Equity increased by 15% Rs. In mln Unconsolidated Consolidated YE 12 YE 11 YoY % YE 12 YE 11 Assets 765,899 653,233 112,666 17% 770,283 656,325 Advances - net 239,583 227,580 12,003 5% 239,789 225,795 Gross Advance
Slide 4: Non Performing Loans (NPLs)
MCB Bank Limited Non Performing Loans (NPLs) Decrease of 1,103M 1 103M over Dec 2011: ‐1,759M 1 759M in substandard, substandard +557M in doubtful and +98M in loss Coverage ratio improved to 89.23% (YE11: 83.76%), NPLs ratio at 9.74% (YE11: 10.67%) Rs. In mln Dec 12 Sep 12 June 12 Mar 12 Dec 11 Quar
Slide 5: Investments
MCB Bank Limited Investments Increase of 32B in T‐Bills T Bills and of 49B in PIBs Rs. In mln Dec 2012 Dec 2011 Var. % var. Sep 2012 Var. % var. Treasury Bills 290,834 258,891 31,943 12% 323,663 (32,829) ‐10% Pakistan Investment Bonds 85,105 35,798 49,307 138% 65,216 19,889 30% TFCs, Debentures, Bon
Slide 6: Deposits
MCB Bank Limited Deposits YTD increase/decrease Current deposits 13% CASA increased to 85% S i Savings deposits d it 18% Term Deposits ‐12% Total Deposits 11% Rs. In mln Q4 12 Q3 12 Q2 12 Q1 12 Q4 11 Volume Mix Volume Mix Volume Mix Volume Mix Volume Mix Deposits ‐ Volume 545,061 541,613 529,366 512
Slide 7: Profit and Loss Statement
MCB Bank Limited Profit and Loss Statement PAT increased by 8% and PBT increased by 2% Rs. In mln Unconsolidated Consolidated YE 12 YE 11 +/- % YE 12 YE 11 +/- % Mark-up Income 68,356 68,147 210 0.3% 68,444 68,216 228 0.3% Mark-up Expense 27,500 23,620 3,880 16% 27,503 23,633 3,871 16% Net Mark-up I
Slide 8: Net Interest Income
MCB Bank Limited Net Interest Income Income on advances decreased by 15%, 15% on investments increased by 18% while expense on deposits went up by 15% Rs. In mln Dec 2012 Dec 2011 Var. % var. MARK-UP EARNED 68,356 68,147 210 0.3% On Loans and advances 28,811 33,770 (4,959) ‐15% On investments 39,034
Slide 9: Non-Markup Income
MCB Bank Limited Non‐ Markup Income Rs. In mln Dec 2012 Dec 2011 Var. % var. NON MARKUP INCOME 9,153 8,112 1,041 13% Fee Commission & Brokerage Fee, 5 934 5,934 5 117 5,117 817 16% Dividend Income 1,198 1,003 194 19% Income from dealing in Foreign Currencies 823 921 (98) ‐11% Capital Gains 825 736 8
Slide 10: Key Ratios
MCB Bank Limited Key Ratios EPS* BV* ROA ROE CAR ADR Infection ratio Coverage ratio (annualised) Dec 2012 95.84 2.95% 25.07% 22.77 22.13% 48.14% 9.74% 89.23% Sep 2012 94.07 3.14% 26.87% 24.17 24.18% 46.29% 10.41% 85.79% June 2012 92.16 3.38% 27.68% 24.62 22.15% 49.81% 10.00% 86.12% Mar 2012 88.94 3.
Slide 11: Awards and Recognitions
MCB Bank Limited Awards and Recognitions Runner up Investor Best Bank In Pakistan 2012 ‘Runner‐up Best Corporate Relations Award Report Award (Banks) 2011” 2011 Best Commercial Bank – Pakistan 2012 The QFC Asian Banker Leadership Achievement Award 2010 Best Bank Led Mobile Money Transfer Best Bank I
Slide 12: Thankyou
MCB Bank Limited 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