Mcb Bank Limited · PSX:MCB

Mcb Bank — H1 2010 Earnings Presentation

13 slides from Mcb Bank's earnings presentation, 2010

  1. Slide 1: Investors Presentation: Results for the first half ended June 30, 2010

    InvestorsPresentation Results for the first half ended JUNE 30,2010 Presented by: Investor Relations Dpt. MCB

  2. Slide 2: Disclaimer

    Disclaimer THIS PRESENTATION IS BEING PRESENTEDTOYOU SOLELYFOR YOUR INFORMATIONAND MAYNOT BE REPRODUCED,REDISTRIBUTED OR PASSEDON, DIRECTLY OR INDIRECTLY, TOANY OTHER PERSON OR PUBLISHED,IN WHOLE OR IN PART, FOR ANY PURPOSE. The securities of MCB Bank Limited (the “Company”) have not been and will n

  3. 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

  4. Slide 4: Balance Sheet

    Balance Sheet PKR Mln Consolidated Unconsolidated HY 10 Mix YE 09 Mix % HY 10 YE 09 % Cash & Balances with T.Banks 44,463 8% 38,775 8% 15% 44,463 38,775 15% Balances with other Banks 1,612 0% 6,077 1% -73% 1,506 6,010 -75% Assets +4% Lendings to Financial Institutions 16,530 3% 3,000 1% 451% 16,530

  5. Slide 5: Loan Portfolio

    Loan Portfolio PKR Bln 1H 10 YE 09 +/- % 1Q 10 +/- % Advances (gross) 263.4 269.7 -6.3 -2% 259.5 3.9 1% Commercial 48 50 -2 -4% 46 1 3% Corporate 172 173 -1 -1% 168 3 2% Consumer 24 27 -2 -9% 25 -1 -5% Islamic 3 4 -0.2 -4% 4 -1 -24% Others - Overseas & SAMG 16 16 0 -1% 15 1 8% Industry Advances 3,30

  6. Slide 6: Asset Quality – Controlled growth in Infected Portfolio

    Asset Quality – Controlled growth in Infected Portfolio PKR Mln 100% Increase in NPLs (In Blns) 1.60 1.4 1.4 1.40 90% 1.2 1.20 1.0 1.00 80% 0.8 0.80 0.60 70% 0.40 15,933 0.20 0.1 18,131 17,018 60% 0.00 Mar-09 June-09 Sept.-09 Dec-09 Mar-10 June-10 Loss QoQ Inc % 6.69% 7.04% 4.75% 6.34% 0.32% 3.52% 5

  7. Slide 7: Investments – Shift into more secure bills

    Investments – Shift into more secure bills PKR Mln June 2010 Dec 2009 +/- % Mar 2010 +/- % Treasury Bills 154,079 142,957 11,122 8% 132,099 21,980 17% Pakistan Investment Bonds 7,566 7,699 (133) -2% 7,880 (313) -4% TFCs, Debentures, Bonds COIs and PTCs 5,163 6,082 (920) -15% 5,974 (811) -14% Other G

  8. Slide 8: Deposits – Increase of 14%, CASA at 82%

    Deposits – Increase of 14% PKR Bln JUNE 2010 DEC 2009 +/- % MAR 2010 +/- % Current deposits 148 129 19 15% 135 13 10% Savings deposits 196 176 20 11% 191 5 3% Fixed/Term Deposits 75 63 13 20% 66 10 15% Deposits 419 368 52 14% 392 28 7% Industry Deposits (domestic) 4,661 4,325 336 8% 4,424 237 5% Sha

  9. Slide 9: Profit Statement – Key Highlights

    Profit Statement – Key Highlights PKR Mln Consolidated Unconsolidated HY 10 HY 09 % HY 10 HY 09 % Interest Earned 26,400 25,853 2% 26,396 25,850 2% Interest Expensed (8,698) (7,765) 12% (8,699) (7,765) 12% NIM 17,701 18,088 -2% 17,697 18,084 -2% Operating Income 3,071 2,810 9% 2,991 2,758 8% Operati

  10. Slide 10: Net Interest Income (NIM)

    Net Interest Income (NIM) PKR Mln June - 10 June - 09 +/- % 2Q - 10 1Q - 10 +/- % MARK -UP EARNED 26,400 25,853 547 2% 13,297 13,103 194 1% On Loans and advances 16,696 18,590 (1,894) -10% 8,245 8,451 (205) -2% On investments 8,951 6,332 2,619 41% 4,491 4,459 32 1% On deposits with financial institu

  11. Slide 11: Non-Interest Income – Considerable increase of 9%

    Non-Interest Income – Considerable increase of 9% PKR Mln June-10 June-09 +/- % 2Q 10 1Q 10 +/- % Fee, Commission & Brokerage Income 2,075 1,683 392 23% 1,103 972 131 13% Income earned as trustee to various funds 11 8 3 40% 6 5 1 13% Dividend Income 168 149 19 13% 55 113 (58) -51% Income from dealin

  12. Slide 12: Admin Expenses – Standalone

    Admin Expenses – Standalone PKR Mln Variance Last Year Variance QoQ June 10 Amount % age Amount % age Personnel expenses 3,802 430 13% 327 19% Others Administrative expenses Rent 279 41 17% 12 9% Rate & Taxes 24 5 23% 2 18% Insurance 172 42 32% (5) -6% Electricity, Gas etc. 221 17 8% 56 68% Legal an

  13. Slide 13: Capital Strength - Strong capital base, rising CAR

    Capital Strength - Strong capital base,and growing strength with rising CAR PKR Mln Consolidated Unconsolidated HY 10 YE 09 HY 10 YE 09 Total Capital 68,053 64,357 67,710 64,636 Tier I Capital 64,405 59,896 63,387 60,841 Tier II Capital 3,648 4,460 4,323 3,794 Risk Weighted Assets 321,216 337,417 32

MCB Bank — H1 2010 Earnings Presentation on 6ix