Mcb Bank Limited · PSX:MCB
Mcb Bank — Q3 2021 Earnings Presentation
22 slides from Mcb Bank's earnings presentation, Sep 30, 2021
Slide 1: MCB Bank Limited Corporate Briefing & Results Conference Call
MCB Bank Limited Corporate Briefing & Results Conference Call September 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 1,931 bn Domestic Assets 1,419 (US$ 11.3 bn) Branches 11 PKR 1,456.6 bn Foreign Deposits (Sri Lanka : 8, Bahrain : 1, (US$ 8.5 bn) Branches EPZ : 1, UAE : 1) PKR 529.1 bn Advances (Gross) MCB - Arif Habib
Slide 3: Financial Performance
Financial Performance September 30, 2021
Slide 4: Statement of Financial Position
Statement of Financial Position Increase of 10% in Assets base Rs. In mln Sep 2021 Dec 2020 Var. % var. Sep 2020 Var. % var. Investments: PIBs : +258B T-Bills : -87B ASSETS 1,931,097 1,757,462 173,635 9.88% 1,674,869 256,228 15% Advances - net 481,778 462,942 18,836 4.07% 445,039 36,739 8% - Gross A
Slide 5: Non Performing Loans (NPLs)
Non Performing Loans (NPLs) Coverage ratio* at 92.21% (YE20: 98.87 %), NPLs ratio stands at 9.69% (YE20: 9.97 %) Rs. in mln Domestic NPLs Ratio at 8.44% (YE20: 8.84 %), Industry NPL ratio 2Q-21 : 8.90%(YE20 : 9.19% ) Sep 21 Jun 21 Mar 21 Dec 20 Sep 20 YTD (Sep 21 vs. Dec 20 ) Var. % Total NPLs 92 0.
Slide 6: Investments
Investments Investments Pakistan Investment Bonds increased by Rs. 258B and Market Treasury Bills decreased by Rs. 87B. Pakistan Investment Bonds increased by Rs. 258B and Market Treasury Bills decreased by Rs. 87B. Rs. In mln Sep 2021 Dec 2020 Var. % var. Sep 2020 Var. % var. Treasury Bills 511,090
Slide 7: Deposits
Deposits Rs. in mln CASA reported at 91.94%, Current Deposits +17% , Term Deposits +29%, YTD increase/decrease YTD Saving Deposits 8% Current deposits 17% 81,057 Savings deposits 8% 59,297 CASA 12% 140,354 Term Deposits 29% 26,725 Total Deposits 13% 167,079 Q3 21 Q2 21 Q1 21 Q4 20 Q3 20 Volume Mix V
Slide 8: Domestic Deposits - Growth
Domestic Deposits - Growth Domestic Current Deposits – Bln PKR Domestic Deposits – Bln PKR 546 532 101 101 490 411 467 451 456 60 73 76 78 394 389 99 94 79 731 762 698 702 703 695 611 607 652 467 451 456 490 546 532 394 389 411 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Sep-19 De
Slide 9: Profit and Loss Statement
Profit and Loss Statement PBT of Rs. 38.27B (-0.22%) and PAT of Rs. 22.56B (-1.65%) Rs. in mln Markup Income: On Advances: -11.07B On Investments: -5.36B Sep 2021 Sep 2020 Var. % var. Markup Expense: Mark-up Income 89,903 107,035 (17,132) -16.01% On Deposits: -10.83B Mark-up Expense 42,158 51,689 (9
Slide 10: Fee, Commission and Brokerage Income
Fee, Commission and Brokerage Income Rs. in mln Sep 2021 Sep 2020 Var. % Fee, commission and brokerage income 9,154 8,021 1,133 14% Branch banking customer fees 2,073 1,506 568 38% Consumer finance related fees 376 297 79 26% Card related fees (debit and credit cards) 2,171 2,287 (116) -5% Credit re
Slide 11: Non Interest/Markup Income
Non Interest/Markup Income Fee & Commission Income increased by Rs. 1.13B, Dividend Income increased by Rs. 713M Rs. in mln Foreign Exchange Income increased by Rs. 410M ,Capital Gain decreased by Rs. 2.09B. Sep 2021 Sep 2020 Var. % var. NON MARKUP INCOME 14,383 13,559 824 6% Fee and commission inco
Slide 12: Quarterly Trends
Key Performance Indicators September 30, 2020 Quarterly Trends
Slide 13: Quarterly Trends
Quarterly Trends Quarterly Trend - Profit before & after Tax 16.10 PBT PAT 13.74 13.26 12.60 12.23 11.95 11.28 11.39 10.86 10.35 10.34 Rs. in Billion 10.01 9.90 9.55 9.73 9.15 9.08 9.17 9.26 8.57 8.69 8.75 8.46 8.35 7.99 7.95 7.81 7.75 7.69 7.31 7.32 7.05 6.75 6.79 6.58 6.69 6.79 6.52 6.09 6.22 6.10
Slide 14: Quarterly Trends
Quarterly Trends Quarterly Trend - Total Deposits & CASA Total Deposits CASA 1,457 1,441 1,314 1,275 1,275 1,290 1,328 1,339 1,184 1,149 1,145 1,145 1,223 1,200 1,188 1,199 1,066 1,033 1,049 Rs. in Billion 1,005 1,019 963 968 1,090 1,042 1,032 1,035 892 955 955 972 819 932 947 781 899 902 766 755 75
Slide 15: Quarterly Trends
20.63 5.10 20.63 4.07 20.14 3.53 18.73 3.86 20.63 2.96 18.77 3.10 15.62 5.80 15.39 4.32 17.32 5.18 18.65 4.50 19.65 4.15 Funded Income 18.47 4.29 18.21 4.38 19.50 4.05 21.21 3.68 Non Funded Income 24.39 5.09 27.38 3.51 31.75 4.44 39.32 3.49 39.84 5.23 Quarterly Trend - Funded & Non Funded Income 39.
Slide 16: Quarterly Trends
Quarterly Trends Quarterly Operating expenses excluding PF Cost to Income Ratio 9.05 45.83% 43.40% 43.50% 42.47% 42.22% 40.86% 8.70 37.97% 35.79% 8.63 36.87% 8.45 8.30 8.16 8.25 8.32 8.11 Q3-2019 Q4-2019 Q1-2020 Q2-2020 Q3-2020 Q4-2020 Q1-2021 Q3-2019 Q4-2019 Q1-2020 Q2-2020 Q3-2020 Q4-2020 Q2-2021
Slide 17: Comparative Performance
Comparative Performance Rs. in Billion except percentages Admin Expenses (Excluding PF Reversal) Profit after Tax (PAT) 22.93 26.38 22.56 24.66 Sep-20 Sep-21 Sep-20 Sep-21 Deposits Coverage Capital Adequacy 96.89% 20.98% 1,456.58 92.21% 19.00% 1,274.87 Sep-20 Sep-21 Sep-20 Sep-21 Sep-20 Sep-21
Slide 18: Group Financial Performance
Group Financial Performance September 30, 2020 Group Financial Performance September 30, 2021
Slide 19: Statement of Financial Position
Statement of Financial Position Rs. in Million Unconsolidated Consolidated Sep 2021 Dec 2020 YTD % Sep 2021 Dec 2020 YTD % Assets 1,931,097 1,757,462 173,635 9.9% 2,071,240 1,891,276 179,963 9.5% Advances - net 481,778 462,942 18,836 4.1% 572,287 547,686 24,601 4.5% Investments 1,176,246 1,015,869 1
Slide 20: Profit and Loss Statement
Profit and Loss Statement Rs. in Million Unconsolidated Consolidated Sep 2021 Sep 2020 +/- % Sep 2021 Sep 2020 +/- % Mark-up Income 89,903 107,035 (17,132) -16.0% 96,766 114,517 (17,751) -15.5% Mark-up Expense 42,158 51,689 (9,531) -18.4% 45,718 55,717 (9,999) -17.9% Net Mark-up Income 47,745 55,346
Slide 21: Awards/ Accolades
Awards/ Accolades “Winner – Overall Best Corporate Joint 1st Runner Up – Best Presented Annual Best bank in Pakistan – 2020 Ranked among the Top 25 Companies in Accounts 2019 – Banking Sector Report Award 2020” Pakistan Best bank in Pakistan - 2019 Winner – Best Presented Annual Accounts 2014 “Winne
Slide 22: 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