Mcb Bank Limited · PSX:MCB
Mcb Bank — FY2023 Earnings Presentation
13 slides from Mcb Bank's earnings presentation, December 2023
Slide 1: MCB Bank Limited Financial Performance
MCB Bank Limited Financial Performance For the Year Ended December 31, 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 8.8 million 1475 ATMs Domestic : 1430 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 5.92 % of
Slide 3: Highlights - December 31st, 2023
Highlights - December 31st, 2023 Pakistan’s Outlook • Politics; Post elections, democratic transition shaping up despite all chaos; 75% increase in PBT • Macroeconomic outlook; ➢ Country has met the fiscal targets under IMF-SBA; Delivery on the structural reforms agenda remains the key; PBT PKR 125.
Slide 4: Sound Balance Sheet Footing
Sound Balance Sheet Footing PKR in Billions Advances Portfolio: Dec 2023 Dec 2022 Var. % var. • Gross advances of the Bank decreased by Rs. 175 billion (-22%); • Corporate lending book decreased by Rs. 168.5 billion (-28%) whereas the Retail loan ASSETS 2,427.18 2,085.36 341.82 16.39% portfolio decr
Slide 5: Advances & NPLs
Advances & NPLs PKR in Billions Segmentwise Advances Gross Advances (CAGR 3.21%) PKR in Billions Dec 2023 Dec 2022 Var. % var. 798 547 540 514 636 622 Advances (gross) 622 798 (175) -22% Retail 74 88 (14) -16% Corporate 438 606 (168) -28% Dec-18 Dec-19 Dec-20 Dec-21 Dec-22 Dec-23 Consumer 39 43 (4)
Slide 6: Diversified Investment Portfolio
Diversified Investment Portfolio Composition of Investments PKR in Billions Dec 2023 Dec 2022 Dec 2023 Dec 2022 Var. % var. T-Bills 28% 13% PIBs 63% 80% Equity securities 4% 4% Treasury Bills 355 132 223 170% Other Government Securities 5% 2% Pakistan Investment Bonds - Fixed 213 289 (76) -26% Debt
Slide 7: Building no cost Deposits
Building no cost Deposits i.e. PKR 190.5 billion added in Current Deposits ; +28% PKR in Billions Total Deposits (CAGR : 10.94%) Total Deposits Current Deposits Saving Deposits PKR 1.8 trillion PKR 871 billion PKR 877 billion 1,049 1,145 1,290 1,412 1,379 1,805 Dec-18 Dec-19 Dec-20 Dec-21 Dec-22 Dec
Slide 8: Impressive YoY increase in PBT i.e. 75%
Impressive YoY increase in PBT i.e. 75% Exceptional performance in Core Earnings: PKR in Billions Dec 2023 Dec 2022 Var. % var. • Strong volumetric growth in current account and timely repositioning of the asset book, net interest income is increased by 69%; Spread • Non-markup income increased to R
Slide 9: Strong Capital Position & Ratios
Strong Capital Position & Ratios Buffer of 889bps on top of regulatory CAR Risk Weighted Assets Tier I Tier II RWA Dec-23 : PKR 1,103 billion ORWA, 235 DEC-23 3.2% CAR Dec-23 17.2% 20.39% 16.3% 2.5% CAR MRWA, 158 Dec-22 18.84% CRWA, 710 • Bank’s total Capital Adequacy Ratio (CAR) is 20.39% against t
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 Islamic Business - SoFP Key Indicators MCB Islamic – Deposits & Advances PKR in Billions 204 PKR in Billions Dec 2023 Dec 2022 Var. % var. 154 123 99 96 Deposits 204.46 154.00
Slide 11: 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 12: Thank you!
Thank you! www.mcb.com.pk +92 42 36041998-9 investor.relations@mcb.com.pk
Slide 13: Questions & Answers
Questions & Answers Q & A