Mcb Bank Limited · PSX:MCB
Mcb Bank — FY2015 Earnings Presentation
13 slides from Mcb Bank's earnings presentation, December 2015
Slide 1: Investors Briefing: Financial Performance Analysis
MCB Bank Limited Investors Briefing Financial Performance Analysis For the year ended December 31, 2015 Presented by: Hammad Khalid Head Investor Relations, Financial Reporting and Taxation
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: Key Achievements
MCB Bank Limited Key Achievements MCB Bank carries the highest CASA base of over 93%; Financial strength depicted by asset base of over PKR 1 Trillion; 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.
Slide 4: Statement of Financial Position
MCB Bank Limited Statement of Financial Position Rs. in mln Increase of 6% in Equity Unconsolidated Consolidated 2015 2014 YTD % 2015 2014 YTD % Assets 1,016,630 934,631 81,998 9% 1,020,980 941,606 79,373 8% Advances - net 314,125 303,559 10,565 3.5% 315,311 304,001 11,310 4% Investments 568,803 511
Slide 5: Non Performing Loans (NPLs)
MCB Bank Limited Non Performing Loans (NPLs) Rs. In mln Coverage ratio* at 90.83% (YE14: 85.62%), NPLs ratio improved to 6.12% (YE14: 6.80 %) Dec 15 Sep 15 June 15 Mar 15 Dec 14 Total NPLs 20,369 20,814 21,201 21,684 21,908 QoQ (444) (387) (483) (224) (17) YTD (Dec 15 vs. Dec 14) QoQ % variance -2%
Slide 6: Investments
MCB Bank Limited Investments Increase of Rs. 85.67B in Market Treasury Bills & decrease of Rs. 48.95B in Pakistan Investment Bonds . Rs. In mln Dec 2015 Dec 2014 Var. % var. Sep 2015 Var. % var. Treasury Bills 227,208 141,538 85,670 61% 270,804 (43,596) -16% Pakistan Investment Bonds 280,042 328,987
Slide 7: Deposits
MCB Bank Limited Rs. In mln Deposits CASA reported at 93%, Increase recorded in Current Deposits +10%, Saving Deposits +2% Q4 15 Q3 15 Q2 15 Q1 15 Q4 14 Volume Mix Volume Mix Volume Mix Volume Mix Volume Mix Deposits - Volume 708,091 712,197 765,791 736,157 688,330 Current deposits 259,818 37% 260,2
Slide 8: Profit and Loss Statement
MCB Bank Limited Profit and Loss Statement Rs. In mln Standalone PBT increased by 15% and PAT increased by 5% Unconsolidated Consolidated 2015 2014 +/- % 2015 2014 +/- % Mark-up Income 80,532 77,269 3,263 4% 80,726 77,411 3,315 4% Mark-up Expense 31,210 33,757 (2,546) -8% 31,172 33,770 (2,598) -8% N
Slide 9: Non-Markup Income
MCB Bank Limited Non- Markup Income Rs. In mln Budgeted Dec 2015 Dec 2014 Var. % var. Var. % var. Dec 2015 NON MARKUP INCOME 17,115 12,944 4,171 32% 13,248 3,867 29% Fee, Commission & Brokerage 8,383 7,225 1,158 16% 8,417 (34) 0% Dividend Income 1,267 1,061 206 19% 1,100 166 15% Income from dealing
Slide 10: Financial Statements Variance Analysis
MCB Bank Limited Financial Statements Variance Analysis Rs. In mln INVESTOR RELATIONS MCB BANK LIMITED
Slide 11: Key Ratios
MCB Bank Limited Key Ratios Coverage Non- EPS Infection Coverage (incl. benefit BV ROA ROE CAR ADR markup/Total (annualised) ratio ratio* of liquid Rev sec)** Dec 2015 101.44 2.62% 23.25% 22.96 19.00% 46.98% 6.12% 90.83% 99.82% 25.76% Sep 2015 101.20 2.74% 24.55% 24.22 20.13% 45.67% 6.40% 85.16% 94.
Slide 12: International Recognition Awards / Accolades
International Recognition Awards / Accolades Ranked among the Top 25 Winner – Best Presented Annual “Winner -Best Corporate Report Award Best bank in Pakistan - 2015 Companies in Pakistan Accounts 2014 2014 – Banking Sector” 1st Runner Up Best Presented Annual “Winner” - Best Corporate Report Award
Slide 13: 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