Mcb Bank Limited · PSX:MCB
Mcb Bank — Q1 2025 Earnings Presentation
12 slides from Mcb Bank's earnings presentation, Mar 31, 2025
Slide 1: MCB Bank Limited Financial Performance
MCB Bank Limited Financial Performance For the Quarter Ended March 31st, 2025 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 9.1 million 1481 ATMs across Over 1.5 Million Domestic : 1395 ➢ 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
Slide 3: Key Highlights
Key Highlights Macroeconomic outlook; ➢ The first quarter of 2025 witnessed heightened volatility across global markets, shaped by geopolitical risks and CA Concentration improved to 51% trade policy uncertainties. Amid this uncertain global backdrop, Pakistan’s economy demonstrated notable stabilit
Slide 4: 17% robust growth in assets - fueling future earnings
17% robust growth in assets - fueling future earnings PKR in Billions Mar 2025 Dec 2024 Var. % var. Advances Portfolio: • Gross advances of the Bank decreased by Rs. 284.5 billion (-26%); ASSETS 3,163.14 2,703.34 459.80 17.01% • Coverage & Infection ratios of the Bank were reported at 94.13% and 6.6
Slide 5: Advances & NPLs
Advances & NPLs PKR in Billions Segmentwise Advances Gross Advances (CAGR 8.04%) PKR in Billions Mar 2025 Dec 2024 Var. % var. Advances (gross) 810.34 1,094.82 (284.49) -26% 1,095 Retail 64.62 68.45 (3.84) -6% 798 810 514 636 622 Corporate 634.01 910.90 (276.90) -30% Consumer 39.89 37.24 2.65 7% Ove
Slide 6: Diversified Investment Portfolio
Diversified Investment Portfolio Composition of Investments PKR in Billions Mar 2025 Dec 2024 Mar 2025 Dec 2024 Var. % var. T-Bills 7% 7% PIBs 84% 81% Equity securities 3% 5% Treasury Bills 135.69 76.30 59.38 78% Other Government Securities 4% 6% Debt instruments 1% 1% Pakistan Investment Bonds - Fi
Slide 7: Current Deposits achieved landmark of Trillion
Current Deposits achieved landmark of 1 Trillion Total Deposits (CAGR : 12.17%) PKR in Billions Total Deposits Current Deposits Saving Deposits PKR 2.1 trillion PKR 1.1 trillion PKR 944 billion 1,922 2,092 1,805 1,290 1,412 1,379 Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Mar-25 Current Deposits (CAGR : 19.
Slide 8: Sustained Profitability in narrowing down interest rate environment
Sustained Profitability in narrowing down interest rate environment A measured dip in profitability—reflecting strategic adjustments in a PKR in Billions stabilizing economy, paving the way for sustainable long-term growth: Mar 2025 Mar 2024 Var. % var. • Narrowing margins in a normalized interest r
Slide 9: Strong Capital Position & Ratios
Strong Capital Position & Ratios Risk Weighted Assets (RWA) Buffer of 760bps on top of regulatory CAR Tier I Tier II RWA Mar-25 : PKR 1,439 billion CAR ORWA, 298 Mar-25 15.3% 3.8% 19.10% CAR MRWA, 229 CRWA, 912 Dec-24 15.5% 3.9% 19.35% • Bank’s total Capital Adequacy Ratio (CAR) is 19.10% against th
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 227 204 209 PKR in Billions Mar 2025 Dec 2024 Var. % var. 154 123 123 99 110 Deposits 226.50 209.11 17.40 8% 85 9
Slide 11: Awards & Accolades
Awards & Accolades Asiamoney Awards Best Corporate Report Best Corporate Bank in Pakistan 2022 Winner – Overall Best Corporate Report Award 2023 Overall Most outstanding Company in Pakistan 2020 Winner” - Best Corporate Report Award 2023 – Banking Sector Most outstanding Company in Pakistan 2020, 20
Slide 12: Thank you!
Thank you! www.mcb.com.pk +92 42 36041998-9 investor.relations@mcb.com.pk