Mcb Bank Limited · PSX:MCB
Mcb Bank — Q1 2024 Earnings Presentation
13 slides from Mcb Bank's earnings presentation, Mar 31, 2024
Slide 1: MCB Bank Limited Financial Performance
MCB Bank Limited Financial Performance For the Quarter Ended March 31, 2024 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 8.9 million 1479 ATMs Domestic : 1429 EPZ : 01 branches in customer 3 Countries accounts Over 1.1 Million MCB Live users Deposits Advances Home Remittance Trade Market Share Market Share Market Share Market Share 6.05 % o
Slide 3: Highlights – 1st Quarter 2024
Highlights – 1st Quarter 2024 Macroeconomic outlook; 41% increase in PBT ➢ Signs of improvement with successful completion of the IMF's Stand-By Arrangement (SBA) program and the implementation of ongoing policy and reform efforts; ➢ Coalition Government to immediately engage with IMF for a much lar
Slide 4: Sound Balance Sheet Footing
Sound Balance Sheet Footing PKR in Billions Mar 2024 Dec 2023 Var. % var. Advances Portfolio: • Gross advances of the Bank increased by Rs. 24.97 billion (+4%); • Corporate lending book increased by Rs. 15.3 billion (+3%) whereas the Retail loan portfolio ASSETS 2,408.96 2,427.18 (18.22) -0.75% incr
Slide 5: Advances & NPLs
Advances & NPLs PKR in Billions Segmentwise Advances Gross Advances (CAGR 3.26%) PKR in Billions Mar 2024 Dec 2023 Var. % var. 798 540 636 622 647 Advances (gross) 647.40 622.42 24.97 4% 514 Retail 88.68 73.86 14.81 20% Corporate 453.27 438.01 15.26 3% Dec-19 Dec-20 Dec-21 Dec-22 Dec-23 Mar-24 Consu
Slide 6: Diversified Investment Portfolio
Diversified Investment Portfolio Composition of Investments PKR in Billions Mar 2024 Dec 2023 Var. % var. Mar 2024 Dec 2023 T-Bills 26% 28% PIBs 64% 63% Treasury Bills 350.41 354.83 (4.42) -1% Equity securities 4% 4% Pakistan Investment Bonds - Fixed 247.22 213.41 33.81 16% Other Government Securiti
Slide 7: Building no cost-low cost Deposits
Building no cost-low cost Deposits i.e. CASA maintained at 96.7% Total Deposits (CAGR : 11.43%) PKR in Billions Total Deposits Current Deposits Saving Deposits PKR 1.85 trillion PKR 885 billion PKR 905 billion 1,412 1,379 1,805 1,851 1,145 1,290 Dec-19 Dec-20 Dec-21 Dec-22 Dec-23 Mar-24 Current Depo
Slide 8: Impressive YoY increase in PBT i.e. 41%
Impressive YoY increase in PBT i.e. 41% Optimizing Earning Assets Mix and Exceptional performance PKR in Billions Mar 2024 Mar 2023 Var. % var. in Core Earnings: • Through focused efforts in maintaining no-cost deposits base and optimizing earning assets mix, net interest income is increased by 27%;
Slide 9: Strong Capital Position & Ratios
Strong Capital Position & Ratios Buffer of 812bps on top of regulatory CAR Risk Weighted Assets Tier I Tier II RWA Mar-24 : PKR 1,187 billion ORWA, 235 CAR Mar-24 16.5% 3.1% 19.62% MRWA, 155 CAR Dec-23 17.2% 3.2% 20.39% CRWA, 796 • Bank’s total Capital Adequacy Ratio (CAR) is 19.62% against the requ
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 204 204 PKR in Billions Mar 2024 Dec 2023 Var. % var. 154 123 109 Deposits 203.87 204.
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