Mcb Bank Limited · PSX:MCB
Mcb Bank — 9M 2016 Earnings Presentation
14 slides from Mcb Bank's earnings presentation, Sep 30, 2016
Slide 1: MCB Bank Limited Investors Briefing
MCB Bank Limited Investors Briefing Financial Performance Analysis September 30, 2016 Presented by: Hammad Khalid Head Investor Relations, Financial Reporting and Taxation
Slide 2: One of the largest Commercial Bank in Pakistan
One of the largest Commercial Bank in Pakistan Financial Strength Domestic and International footprint PKR 974 bn Domestic Assets 1,213 (US$ 9.3 bn) Branches 11 PKR 755 bn Foreign Deposits (SriLanka : 8, Bahrain : 1, EPZ : 1, (US$ 7.2 bn) Branches UAE : 1) PKR 352 bn MCB Financial Services Advances
Slide 3: Distinguishing Financial Factors
Distinguishing Financial Factors MCB Bank carries the highest CASA base of over 94% of its total deposit base; MCB Bank has maintained one of the highest spreads in the industry over the last many years; MCB Bank has the highest return on assets of 2.35% as at September 30, 2016; One of the
Slide 4: Group Structure
Group Structure MCB is one of the oldest banks of Pakistan, incorporated in 1947. It was privatized in 1991. To accede to international capital markets, the Bank launched Global Depositary Receipts (GDRs) in 2006. It was the first Pakistani Bank that got its GDRs listed on the London Stock Exchange.
Slide 5: Bank for Life: Strategic pillars
Strategic pillars MARKET LEADERSHIP > Amongst top 3 Banks in Pakistan > Maintain first-mover‟s advantage in new businesses > Socially Responsible Organization > Strong Brand Recognition PRODUCTS & SERVICES Bank PEOPLE FOCUS > Continuous & sustainable earnings growth > Customer centricity in sales &
Slide 6: International Recognition Awards / Accolades
International Recognition Awards / Accolades Ranked among the Top 25 Winner – Best Presented Annual “Winner -Best Corporate Report Companies in Pakistan Accounts 2014 Award 2015 – Banking Sector” 1st Runner Up Best Presented Winner” - Best Corporate Report Award 2014 Best bank in Pakistan - 2016 Ann
Slide 7: Financial Performance Nine Months Ended September 30, 2016
MCB Bank Limited Financial Performance Nine Months Ended September 30, 2016
Slide 8: Statement of Financial Position
Statement of Financial Position Rs. in mln Unconsolidated Consolidated 9M-2016 2015 YTD % 9M-2016 2015 YTD % Assets 974,492 1,004,410 (29,918) -3% 1,000,791 1,020,980 (20,189) -2% Advances - net 334,411 304,122 30,289 10% 348,931 316,771 32,159 10% Investments 497,162 565,696 (68,534) -12% 499,606 5
Slide 9: Non Performing Loans (NPLs)
Non Performing Loans (NPLs) Rs. in mln Coverage ratio* at 81.84% (YE15: 90.37 %), NPLs ratio stands at 6.24% (YE15: 6.32 %) YTD (Sep 16 vs. Dec 15) Sep 16 Jun 16 Mar 16 Dec 15 Sep 15 Var. % Total NPLs 1,638 8% Total NPLs 22,006 20,557 20,774 20,368 20,814 Substandard 2,097 100% QoQ 1,450 (217) 406 (
Slide 10: Investments
Investments Rs. In mln Sep 2016 Dec 2015 Var. % var. Sep 2015 Var. % var. Treasury Bills 233,665 227,208 6,456 3% 270,804 (37,139) -14% Pakistan Investment Bonds 209,092 280,042 (70,950) -25% 282,211 (73,119) -26% TFCs, Debentures, Bonds and Certificates 6,189 7,055 (867) -12% 5,384 804 15% Other go
Slide 11: Deposits
Deposits Rs. in mln Q3 16 Q2 16 Q1 16 Q4 15 Q3 15* Volume Mix Volume Mix Volume Mix Volume Mix Volume Mix Deposits - Volume 754,885 755,434 721,930 696,805 712,197 Current deposits 288,869 38% 301,322 40% 274,974 38% 257,789 37% 260,294 37% Savings deposits 422,381 56% 411,309 54% 406,644 56% 392,95
Slide 12: Profit and Loss Statement
Profit and Loss Statement Rs. In mln Unconsolidated Consolidated 9M-2016 9M-2015 +/- % 9M-2016 9M-2015 +/- % Mark-up Income 52,012 61,666 (9,653) -16% 53,286 61,773 (8,487) -14% Mark-up Expense 18,297 24,657 (6,360) -26% 18,722 24,650 (5,928) -24% Net Mark-up Income 33,716 37,009 (3,293) -9% 34,564
Slide 13: Key Performance Ratios
Key Performance Ratios Coverage Non- EPS Infection Coverage (incl. benefit BV ROA ROE CAR ADR markup/Total (annualised) ratio ratio* of liquid Rev sec)** Sep 2016 105.23 2.35% 20.18% 20.88 19.94% 46.69% 6.24% 81.84% 89.76% 26.02% Jun 2016 103.23 2.05% 18.78% 19.25 18.54% 47.67% 5.71% 86.49% 96.75% 2
Slide 14: 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