Mcb Bank Limited · PSX:MCB
Mcb Bank — 9M 2010 Earnings Presentation
14 slides from Mcb Bank's earnings presentation, 2010
Slide 1: Investors Presentation: Results for the nine months ended September 30, 2010
InvestorsPresentation Results for the nine months ended SEPTEMBER 30, 2010 Presented by: Investor Relations, MCB Bank Limited
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. The securities of MCB Bank Limited (the “Company”) have not been a
Slide 3: Please Note
Please Note Certain prior period financial numbers have been restated to conform to current period results presentation All numbers are presented on the basis of consolidated financial results basis, unless stated otherwise The figures are presented in millions, rounded, and as percentages, unless o
Slide 4: Balance Sheet Highlights
Balance Sheet Highlights • Total Assets of the Group rose by Rs. 30 billion from YE09, standing at Rs. 542 billion as of Sep 30, 2010 • Investments of Rs. 210 billion registered significant increase of 24% from YE09. •Net Advances of the Group decreased by 10% over YE 09. • NPLs witnessed a controll
Slide 5: Balance Sheet
Balance Sheet PKR Mln Consolidated Unconsolidated 9M 10 Mix YE 09 Mix % 9M 10 YE 09 % Cash & Balances with T.Banks 43,851 8% 38,775 8% 13% 43,851 38,775 13% Balances with other Banks 2,703 0.5% 6,077 1% -56% 2,619 6,010 -56% Lendings to Financial Institutions 9,865 2% 3,000 1% 229% 9,865 3,000 229%
Slide 6: Asset Quality / NPL Concentration
Asset Quality / NPL Concentration PKR Mln SEP 2010 JUNE 2010 MAR 2010 DEC 2009 QoQ Increase in NPLs (Blns) OAEM 74 69 71 77 1.60 Substandard 1,983 2,255 1,776 2,986 1.4 1.4 1.40 Doubtful 3,176 3,679 4,447 4,243 1.2 1.20 Loss 18,654 18,131 17,018 15,933 1.0 Total NPLs 23,888 24,134 23,312 23,239 1.00
Slide 7: Investments – Major concentration in Risk-Free Govt. Securities
Investments – Major concentration in Risk-Free Govt. Securities PKR Mln Sep Dec June +/- % +/- % 2010 2009 2010 Treasury Bills 186,318 142,957 43,361 30% 154,079 32,239 21% Pakistan Investment Bonds 6,952 7,699 (747) -10% 7,566 (614) -8% TFCs, Debentures, Bonds COIs and PTCs 5,178 6,082 (905) -15% 5
Slide 8: Deposits – Increase of 15% Volume Mix – CASA at 82%
Deposits – Increase of 15% PKR Bln 9M 10 YE 09 +/- % 1H 10 +/- % Current deposits 150 129 22 17% 148 2% 2 Savings deposits 194 176 18 10% 196 -1% (2) Fixed/Term Deposits 78 63 15 25% 75 4% 3 Deposits 422 368 55 15% 419 3 1% Industry Deposits (domestic) 4,644 4,325 319 7% 4,661 -17 -0.4% Share 9.1% 8
Slide 9: Profit and loss Highlights
Profit and loss Highlights • PBT and PAT increased by 6% and 1% respectively • NIM rose by 1% • Markup income increased to Rs. 40 billion with an increase of 5% • Markup expense rose to Rs. 13 billion, by 14% • Increase is attributable to significant rise of 10% and 25% in saving and term deposits r
Slide 10: Profit Statement – Key Highlights
Profit Statement – Key Highlights PKR Mln Consolidated Unconsolidated 9M 10 9M 09 % 9M 10 9M 09 % Increase of 357M in NIM 1. YoY increase of 1.95B in Interest Income; Interest Earned 40,247 38,294 5% 40,241 38,289 5% - On loans, dec of 2.9B - On Investments, inc of 4.7B Interest Expensed (13,258) (1
Slide 11: Highest Quarterly PBT recorded in the history of the group
Highest Quarterly PBT recorded in the history of the group PKR Mln Q3 - 2010 Q2 - 2010 Q1 - 2010 Q4 - 2009 Q3 - 2009 Q2 - 2009 Q1 - 2009 Mark-up Earned 13,847 13,297 13,103 13,328 12,441 12,868 12,984 Mark-up Expensed (4,560) (4,322) (4,376) (4,178) (3,896) (3,879) (3,886) Net Markup income 9,288 8,
Slide 12: Non-Interest Income – Considerable increase of 19%
Non-Interest Income – Considerable increase of 19% PKR Mln 9M 10 9M 09 +/- % 3Q 10 3Q 09 +/- % Major increase due to commission from Fee, Commission & Brokerage Income Banca amounting to 3,057 2,611 446 17% 982 929 54 6% +149M (120%) Income earned as trustee to various funds 17 13 4 34% 6 4 1 24% Di
Slide 13: MCB – how the bank is making the transition
MCB – how the bank is making the transition Four centers in Karachi, New Branch sales / • 92,000 customers; 2.2B worth transactions Lahore, Islamabad & Multan. service model • International recognition: GSMA nomination, The Banker finalist, TCG case study • Upto 500 ATMs installed and fully operatio
Slide 14: Q&A Session / Thank You
THANKYOU Investor Relations Team MCB Bank Limited Q&ASESSION