Mcb Bank Limited · PSX:MCB
Mcb Bank — Q2 2021 Earnings Presentation
21 slides from Mcb Bank's earnings presentation, Jun 30, 2021
Slide 1: MCB Bank Limited IR Presentation June 30, 2021
MCB Bank Limited IR Presentation June 30, 2021 Presented by: Hammad Khalid Chief Financial Officer
Slide 2: Financial and Operational Landscape
Financial and Operational Landscape Financial Strength Domestic and International Footprint PKR 1,861 bn Domestic Assets 1,419 (US$ 11.8 bn) Branches 11 PKR 1,441.2 bn Foreign Deposits (Sri Lanka : 8, Bahrain : 1, (US$ 9.1 bn) Branches EPZ : 1, UAE : 1) PKR 511.4 bn Advances (Gross) MCB - Arif Habib
Slide 3: Financial Performance
Financial Performance June 30, 2021
Slide 4: Statement of Financial Position
Statement of Financial Position Increase of 6% in Assets base Rs. In mln Investments: Jun 2021 Dec 2020 Var. % var. Jun 2020 Var. % var. PIBs : +182B T-Bills : -97B ASSETS 1,860,923 1,757,462 103,461 5.89% 1,667,604 193,319 12% Advances - net 462,538 462,942 (404) -0.09% 460,611 1,927 0% - Gross Adv
Slide 5: Non Performing Loans (NPLs)
Non Performing Loans (NPLs) Coverage ratio* at 95.67% (YE20: 98.87 %), NPLs ratio stands at 9.98% (YE20: 9.97 %) Rs. in mln Domestic NPLs Ratio at 8.82% (YE20: 8.84 %), Industry NPL ratio 1Q-21 : 9.33%(YE20 : 9.19% ) Jun 21 Mar 21 Dec 20 Sep 20 Jun 20 YTD (Jun 21 vs. Dec 20 ) Var. % Total NPLs (129)
Slide 6: Investments
Investments Pakistan Investment Bonds increased by Rs. 182B and Market Treasury Bills decreased by Rs. 97B. Rs. In mln 3M 6M 1Y 57% 43% 0% 3Y 5Y 10Y & Above Jun 2021 Dec 2020 Var. % var. Jun 2020 Var. % var. 34% 31% 34% Treasury Bills TBs 501,841 598,470 (96,630) -16% 432,250 69,590 16% Pakistan Inv
Slide 7: Deposits
Deposits Rs. in mln CASA reported at 92.18%, Current Deposits +20% , Term Deposits +24%, YTD increase/decrease YTD Saving Deposits 4% Current deposits 20% 99,866 Savings deposits 4% 29,816 CASA 11% 129,682 Term Deposits 24% 22,025 Total Deposits 12% 151,706 Q2 21 Q1 21 Q4 20 Q3 20 Q2 20 Volume Mix V
Slide 8: Profit and Loss Statement
Profit and Loss Statement PBT of Rs. 25.01B (+12.40%) and PAT of Rs. 14.74B (+11.61%) Rs. in mln Markup Income: On Investments: -6.13B Jun 2021 Jun 2020 Var. % var. On Advances: -10.24B Mark-up Income 58,201 75,212 (17,011) -22.62% Mark-up Expense 26,652 39,199 (12,547) -32.01% Markup Expense: Net M
Slide 9: Fee, Commission and Brokerage Income
Fee, Commission and Brokerage Income Rs. in mln Jun 2021 Jun 2020 Var. % Fee, commission and brokerage income 6,011 5,146 866 17% Branch banking customer fees 1,351 941 410 44% Consumer finance related fees 252 187 64 34% Card related fees (debit and credit cards) 1,376 1,511 (135) -9% Credit relate
Slide 10: Key Performance Indicators
Key Performance Indicators September 30, 2020 Key Performance Indicators June 30, 2021
Slide 11: Key Performance Indicators: Quarterly Trend - Profit before & after Tax
Key Performance Indicators Quarterly Trend - Profit before & after Tax Profit before tax Profit after Tax 16.10 13.74 12.60 11.95 12.23 11.39 11.28 Rs. in Billion 10.86 10.35 10.34 9.90 10.01 9.55 9.26 9.73 9.15 9.08 9.17 8.57 8.46 8.35 8.69 8.75 7.99 7.95 7.69 6.58 7.75 7.31 7.32 6.69 6.79 7.05 6.7
Slide 12: Key Performance Indicators: Total Deposits & CASA
Key Performance Indicators Quarterly Trend - Total Deposits & CASA Total Deposits CASA 1,441 1,314 1,275 1,275 1,290 1,328 1,184 1,149 1,145 1,145 1,223 1,066 1,200 1,188 1,199 1,033 1,049 1,005 1,019 Rs. in Billion 963 968 1,090 1,042 1,032 1,035 892 955 955 972 819 932 947 766 781 899 902 736 755
Slide 13: Domestic Deposits - Growth
Domestic Deposits - Growth Domestic Deposits – Bln PKR Domestic Current Deposits – Bln PKR 101 60 73 76 78 546 79 456 490 91 99 94 467 451 414 394 389 411 731 698 702 703 695 601 611 607 652 467 451 456 490 546 414 394 389 411 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Jun-19 Sep
Slide 14: Key Performance Indicators: Funded & Non Funded Income
Key Performance Indicators Quarterly Trend - Funded & Non Funded Income 5.23 3.49 3.89 Funded Income Non Funded Income 3.20 6.48 4.44 4.75 4.58 4.75 3.51 5.09 5.10 3.68 4.07 Rs. in Billion 2.96 3.53 4.15 4.05 4.50 3.86 4.29 4.38 3.10 39.84 39.32 39.10 5.18 5.80 36.11 4.32 31.82 31.75 29.85 29.04 28.
Slide 15: Key Performance Indicators: Cost to Income, ROA, ROE
Key Performance Indicators Quarterly Operating expenses excluding PF Cost to Income Ratio 8.70 46.15% 45.83% 8.63 43.40% 43.50% 42.22% 40.86% 37.97% 35.79% 36.87% 8.45 8.25 8.32 8.23 8.11 8.30 8.16 Q2-2019 Q3-2019 Q4-2019 Q1-2020 Q2-2020 Q3-2020 Q2-2019 Q3-2019 Q4-2019 Q1-2020 Q2-2020 Q3-2020 Q4-202
Slide 16: Key Performance Indicators: Coverage Ratio
Key Performance Indicators Coverage Ratio NPL Provsion Coverage 60.0 105.0% 98.9% 50.0 95.7% 100.0% 96.9% 98.1% 40.0 94.0% 95.0% Rs. in billion 89.1% 51.8 30.0 90.0% 87.7% 87.3% 51.5 51.1 50.4 51.1 51.2 50.6 49.9 50.2 50.8 49.4 48.6 20.0 83.7% 85.0% 47.4 48.8 43.6 42.9 43.1 43.4 10.0 80.0% - 75.0% Q
Slide 17: Group Financial Performance
Group Financial Performance September 30, 2020 Group Financial Performance June 30, 2021
Slide 18: Statement of Financial Position
Statement of Financial Position Rs. in Million Unconsolidated Consolidated Jun 2021 Dec 2020 YTD % Jun 2021 Dec 2020 YTD % Assets 1,860,923 1,757,462 103,461 5.9% 1,996,270 1,891,276 104,993 5.6% Advances - net 462,538 462,942 (404) -0.1% 544,884 547,686 (2,801) -0.5% Investments 1,096,213 1,015,869
Slide 19: Profit and Loss Statement
Profit and Loss Statement Rs. in Million Unconsolidated Consolidated Jun 2021 Jun 2020 +/- % Jun 2021 Jun 2020 +/- % Mark-up Income 58,201 75,212 (17,011) -22.6% 62,733 80,409 (17,675) -22.0% Mark-up Expense 26,652 39,199 (12,547) -32.0% 29,002 42,156 (13,154) -31.2% Net Mark-up Income 31,549 36,013
Slide 20: Awards/ Accolades
Awards/ Accolades “Winner -Best Corporate Report Award Joint 1st Runner Up – Best Presented Annual 2019 – Banking Sector” Best bank in Pakistan – 2020 Ranked among the Top 25 Companies in Accounts 2019 – Banking Sector Winner” - Best Corporate Report Award 2018 Best bank in Pakistan - 2019 Pakistan
Slide 21: Thank you!
Thank you! For more information write to us on info@mcb.com.pk. For any investor related query/comments/feedback, please e-mail investor.relations@mcb.com.pk