Slide 1: Investors Briefing: Financial Performance Analysis
MCB Bank Limited Investors Briefing Financial Performance Analysis For the nine months ended September 30, 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 10% Rs. In mln Unconsolidated Consolidated 9M 12 YE 11 +/ - % 9M 12 YE 11 Assets 761,282 653,233 108,049 17% 765,367 656,325 Advances - net 228,339 225,720 2,619 1% 228,481 225,713 Gross Advance
Slide 4: Non Performing Loans (NPLs)
MCB Bank Limited Non Performing Loans (NPLs) Decrease of 573M over Dec 2011: ‐230M 230M in substandard, substandard ‐613M 613M in loss and +254M in doubtful Coverage ratio improved to 85.79% (YE11: 83.76%), NPLs ratio at 10.4% (YE11: 10.75%) Rs. In mln Sep 12 June 12 Mar 12 Dec 11 Sep 11 Quarterly A
Slide 5: Investments
MCB Bank Limited Investments Increase of 65B in T‐Bills T Bills and of 29B in PIBs Rs. In mln 9M 12 YE 11 +/ ‐ % 9M 11 +/ ‐ % Treasury Bills 323,663 258,891 64,772 25% 275,468 48,195 17% Pakistan Investment Bonds 65,216 35,798 29,418 82% 11,436 53,780 470% TFCs, Debentures, Bonds and PTCs 4,562 4,02
Slide 6: Deposits
MCB Bank Limited Deposits YTD increase/decrease Current deposits 11% CASA at 84% with an YTD increase of 18% in SA and 11% in CA CA. Term Deposits decreased by 9% S i Savings deposits d it 18% Term Deposits ‐7% Total Deposits 10% Rs. In mln Q3 12 Q2 12 Q1 12 Q4 11 Q3 11 Volume Mix Volume Mix Volume
Slide 7: Profit and Loss Statement
MCB Bank Limited Profit and Loss Statement PAT increased by 7% and PBT increased by 5% Rs. In mln Unconsolidated Consolidated 9M 12 9M 11 +/- % 9M 12 9M 11 +/- % Mark-up Income 51,903 49,613 2,290 5% 51,968 49,658 2,310 5% Mark-up Expense 20,662 16,691 3,971 24% 20,670 16,697 3,973 24% Net Mark-up I
Slide 8: Net Interest Income
MCB Bank Limited Net Interest Income Income on advances decreased by 13%, 13% on investments increased by 26% while expense on deposits went up by 18% Rs. In mln 9M 12 9M 11 +/- % MARK-UP EARNED 51,903 49,613 2,290 5% On Loans and advances 22,256 25,641 (3,385) -13% On investments 29,268 23,152 6,11
Slide 9: Non-Markup Income
MCB Bank Limited Non‐ Markup Income Rs. In mln 9M 12 9M 11 +/- % N Non-Interest I t t IIncome - Total T t l 6 935 6,935 6 077 6,077 859 14% Fee, Commission & Brokerage 4,169 3,628 541 15% Dividend Income 961 656 305 46% Income from dealing in Foreign Currencies 693 730 (37) -5% C it l G Capital Gain
Slide 10: Key Ratios
MCB Bank Limited Key Ratios EPS* BV* ROA ROE ADR Infection ratio Coverage ratio (annualised) Sep 2012 94.07 3.14% 26.87% 24.17 46.29% 10.41% 85.79% June 2012 92.16 3.38% 27.68% 24.62 49.81% 10.00% 86.12% Mar 2012 88.94 3.42% 28.09% 24.54 49.37% 10.39% 85.00% Dec 2011 85.79 3.18% 26.23% 21.12 50.52%
Slide 11: Awards and Recognitions
MCB Bank Limited Awards and Recognitions Runner up Investor ‘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 In Pakistan 2011 Program 201
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