Mcb Bank Limited · PSX:MCB
Mcb Bank — FY2024 Earnings Presentation
14 slides from Mcb Bank's earnings presentation, 2024
Slide 1: MCB Bank Limited Financial Performance Year Ended December 31, 2024
MCB Bank Limited Financial Performance Year Ended December 31, 2024 Presented by: Hammad Khalid Chief Financial Officer
Slide 2: MCB - At a Glance
MCB - At a Glance Branches Global Presence Customers ATMs MCB Live 8 Foreign branches Over 9 million 1472 ATMs across Over 1.4 Million Domestic : 1394 ➢ Sri Lanka – 5 customer accounts the country MCB Live users EPZ : 01 ➢ UAE – 2 ➢ Bahrain – 1 1 Rep Office in UK Deposits Advances Home Remittance Di
Slide 3: MCB – Digital Journey
MCB – Digital Journey 2022 2023 2024 MCBLive Registered Users (No.) 714,008 1,093,519 1,447,228 MCB Live Throughput (Mn) 486,563 1,137,837 1,752,273 Debit Card (POS/E-Commerce) Spend (Mn) 34,373 54,071 71,199 POS Acquiring Volume (Mn) 44,786 90,087 107,499 E-Commerce Acquiring Volume (Mn) 12,127 17,
Slide 4: Key Highlights
Key Highlights Macroeconomic outlook; ➢ 2024 brought significant strides on political and economic fronts. Pakistan’s economy demonstrated a 14% increase in Non-Interest Income continued improvement in H1-FY2025, building upon the stabilization achieved in FY2024, when GDP expanded by 2.5 percent af
Slide 5: Sound Balance Sheet Footing
Sound Balance Sheet Footing PKR in Billions Advances Portfolio: Dec 2024 Dec 2023 Var. % var. • Gross advances of the Bank increased by Rs. 472 billion (+76%); • Major increase in Advances is attributed to Corporate lending that increased by Rs. 465 billion (+106%) followed by increase in overseas s
Slide 6: Advances & NPLs
Advances & NPLs PKR in Billions Segmentwise Advances Gross Advances (CAGR 12.26%) PKR in Billions Dec 2024 Dec 2023 Var. % var. 1,095 798 540 636 622 Advances (gross) 1,094.82 622.42 472.40 76% 514 Retail 62.27 73.86 (11.60) -16% Corporate 903.18 438.01 465.17 106% Consumer 37.24 38.63 (1.39) -4% De
Slide 7: Diversified Investment Portfolio
Diversified Investment Portfolio Composition of Investments Dec 2024 Dec 2023 PKR in Billions T-Bills 7% 28% Dec 2024 Dec 2023 Var. % var. PIBs 81% 63% Equity securities 5% 4% Other Government Securities 6% 5% Treasury Bills 76.30 354.83 (278.5) -78% Debt instruments 1% 1% Pakistan Investment Bonds
Slide 8: Solid Growth in CASA: improved CASA base to 97.24%
Solid Growth in CASA : improved CASA base to 97.24% Total Deposits (CAGR : 10.62%) PKR in Billions Total Deposits Current Deposits Saving Deposits PKR 1.9 trillion PKR 944 billion PKR 925 billion 1,412 1,379 1,805 1,922 1,145 1,290 Dec-19 Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Current Deposits (CAGR : 1
Slide 9: Impressive YoY increase in NII i.e. 14%
Impressive YoY increase in NII i.e. 14% Diversify Revenue Streams and Exceptional performance in PKR in Billions Dec 2024 Dec 2023 Var. % var. Non-Interest Income: • Through focused efforts in maintaining no-cost deposits base and optimizing earning assets mix, net interest income is moderately incr
Slide 10: Strong Capital Position & Ratios
Strong Capital Position & Ratios Buffer of 785bps on top of regulatory CAR Risk Weighted Assets (RWA) Tier I Tier II RWA Dec-24 : PKR 1,400 billion CAR Dec-24 15.5% 3.9% ORWA, 298 19.35% CAR MRWA, 209 CRWA, 893 Dec-23 17.2% 3.2% 20.39% • Bank’s total Capital Adequacy Ratio (CAR) is 19.35% against th
Slide 11: MCB Islamic Bank - Snapshot
MCB Islamic Bank - Snapshot MCB is operating a wholly owned Islamic Subsidiary – MCB Islamic Bank Islamic Business - SoFP Key Indicators MCB Islamic – Deposits & Advances PKR in Billions 204 209 PKR in Billions Dec 2024 Dec 2023 Var. % var. 154 123 123 Deposits 209.11 204.46 4.65 2% 99 96 91 91 82 8
Slide 12: Awards & Accolades
Awards & Accolades Asiamoney Awards Best Corporate Report Best Corporate Bank in Pakistan 2022 Overall Most outstanding Company in Pakistan 2020 Winner – Overall Best Corporate Report Award 2023 Most outstanding Company in Pakistan 2020, 2019 Financial Sector Winner” - Best Corporate Report Award 20
Slide 13: Thank you!
Thank you! www.mcb.com.pk +92 42 36041998-9 investor.relations@mcb.com.pk
Slide 14: Questions & Answers
Questions & Answers Q & A