Slide 1: MCB Bank Limited Corporate Briefing Session
MCB Bank Limited Corporate Briefing Session October 29, 2024 Presented by: Hammad Khalid Chief Financial Officer
Slide 2: MCB - At a Glance
MCB - At a Glance Branches Global Presence Customers ADCs 7 International Over 8.9 million 1484 ATMs Domestic : 1430 EPZ : 01 branches in customer 3 Countries accounts Over 1.4 Million MCB Live users Deposits Advances Home Remittance Trade Market Share Market Share Market Share Market Share 6.09 % o
Slide 3: Highlights - September 30, 2024
Highlights - September 30, 2024 Macroeconomic outlook; ➢ Pakistan has taken key steps to restoring economic stability with consistent policy implementation under 8% increase in PBT the 2023-24 Stand-by Arrangement (SBA). Growth has rebounded (2.4 percent in FY24), supported by activity in agricultur
Slide 4: Sound Balance Sheet Footing
Sound Balance Sheet Footing PKR in Billions Sep 2024 Dec 2023 Var. % var. Advances Portfolio: • Gross advances of the Bank increased by Rs. 103 billion (+16.55%); • Major increase in Advances is attributed to Corporate lending that increased by Rs. 93.7 ASSETS 2,794.72 2,427.18 367.54 15.14% billion
Slide 5: Advances & NPLs
Advances & NPLs Segmentwise Advances Gross Advances (CAGR 5.03%) PKR in Billions PKR in Billions Sep 2024 Dec 2023 Var. % var. 798 725 636 622 540 514 Advances (gross) 725.43 622.42 103.00 17% Retail 75.37 73.86 1.51 2% Corporate 531.75 438.01 93.74 21% Consumer 37.44 38.63 (1.19) -3% Dec-19 Dec-20
Slide 6: Diversified Investment Portfolio
Diversified Investment Portfolio Composition of Investments Sep 2024 Dec 2023 PKR in Billions Sep 2024 Dec 2023 Var. % var. T-Bills 23% 28% PIBs 69% 63% Equity securities 4% 4% Treasury Bills 345.10 354.83 (10) -3% Other Government Securities 3% 5% Pakistan Investment Bonds - Fixed 243.49 213.41 30
Slide 7: Two Trillion Deposits Milestone; solid growth in CASA
“Two Trillion” Deposits Milestone; solid growth in CASA Total Deposits (CAGR : 12.50%) PKR in Billions Total Deposits Current Deposits Saving Deposits PKR 2.1 trillion PKR 978 billion PKR 1,028 1,290 1,412 1,379 1,805 2,065 billion 1,145 Dec-19 Dec-20 Dec-21 Dec-22 Dec-23 Sep-24 Current Deposits (CA
Slide 8: Historic high PBT for 9 months with 8% growth
Historic high PBT for 9 months with 8% growth Diversify Revenue Streams and Exceptional performance in PKR in Billions Core Earnings: Sep 2024 Sep 2023 Var. % var. • Through focused efforts in maintaining no-cost deposits base and optimizing earning assets mix, net interest income is increased by 8%
Slide 9: Strong Capital Position & Ratios
Strong Capital Position & Ratios Buffer of 1035bps on top of regulatory CAR Risk Weighted Assets (RWA) Tier I Tier II RWA Sep-24 : PKR 1,202 billion Sep-24 17.15% 4.70% CAR ORWA, 235 21.85% CAR MRWA, 164 Dec-23 17.21% 3.18% 20.39% CRWA, 803 • Bank’s total Capital Adequacy Ratio (CAR) is 21.85% again
Slide 10: MCB Islamic Bank - Snapshot
MCB Islamic Bank - Snapshot MCB is operating a wholly owned Islamic Subsidiary – MCB Islamic Bank MCB Islamic – Deposits & Advances Islamic Business - SoFP Key Indicators PKR in Billions 240 204 PKR in Billions Sep 2024 Dec 2023 Var. % var. 154 123 Deposits 239.88 204.46 35.42 17% 99 96 91 91 93 82
Slide 11: 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 12: Thank you!
Thank you! www.mcb.com.pk +92 42 36041998-9 investor.relations@mcb.com.pk