Mcb Bank Limited · PSX:MCB
Mcb Bank — 9M 2013 Earnings Presentation
11 slides from Mcb Bank's earnings presentation, Sep 30, 2013
Slide 1: Investors Briefing: Financial Performance Analysis
MCB Bank Limited Investors Briefing Financial Performance Analysis For the nine months ended September 30, 2013 Presented by: Hammad Khalid Head Investor Relations, Financial Reporting and Taxation
Slide 2: Disclaimer
Disclaimer THIS PRESENTATION IS BEING PRESENTED TO YOU SOLELY FOR YOUR INFORMATION AND MAY NOT BE REPRODUCED, REDISTRIBUTED OR PASSED ON, DIRECTLY OR INDIRECTLY, TO ANY OTHER PERSON OR PUBLISHED, IN WHOLE OR IN PART, FOR ANY PURPOSE. This presentation might contain certain “forward looking statement
Slide 3: Statement of Financial Position
MCB Bank Limited Statement of Financial Position Increase of 9% in Equity Rs. In mln Unconsolidated Consolidated 9M 2013 YE 12 YTD % 9M 2013 YE 12 Assets 746,525 767,075 (20,549) -3% 752,021 771,458 Advances - net 224,241 239,583 (15,342) -6.4% 224,448 239,789 Investments – net 405,071 402,069 3,002
Slide 4: Non Performing Loans (NPLs)
MCB Bank Limited Non Performing Loans (NPLs) Coverage ratio at 84.28% (YE12: 89.23%), NPLs ratio at 10.17% (YE12: 9.74%) Sep 13 June 13 Mar 13 Dec 12 Sep 12 Rs. In mln Concentration of Category of NPLs Total NPLs 24,936 24,766 24,701 25,562 26,092 Sep 13 June 13 Mar 13 Dec 12 Sep 12 QoQ 170 65 (861)
Slide 5: Investments
MCB Bank Limited Investments Increase of 19.1B in Pakistan Investment Bonds and decrease of 6.9B in T‐Bills. Rs. In mln Sep 2013 Dec 2012 Var. % var. Sep 2012 Var. % var. Treasury Bills 283,840 290,834 (6,994) ‐2% 323,663 (39,823) ‐12% Pakistan Investment Bonds 104,232 85,105 19,127 22% 65,216 39,01
Slide 6: Deposits
MCB Bank Limited Deposits YTD increase/decrease Current deposits YTD 11% CASA increased to 89% Savings deposits 13% CASA 12% Term Deposits ‐23% Total Deposits 7% Rs. In mln Q3 13 Q2 13 Q1 13 Q4 12 Q3 12 Volume Mix Volume Mix Volume Mix Volume Mix Volume Mix Deposits ‐ Volume 584,239 610,341 565,799
Slide 7: Profit and Loss Statement
MCB Bank Limited Profit and Loss Statement PAT increased by 4% and PBT increased by 2% Rs. In mln Unconsolidated Consolidated 9M 2013 9M 2012 +/- % 9M 2013 9M 2012 +/- % Mark-up Income 48,471 51,903 (3,432) -7% 48,568 51,968 (3,399) -7% Mark-up Expense 19,979 20,662 (683) -3% 20,002 20,670 (669) -3%
Slide 8: Non-Markup Income
MCB Bank Limited Non‐ Markup Income Rs. In mln Sep 2013 Sep 2012 Var. % var. NON MARKUP INCOME 8,553 6,935 1,618 23% Fee, Commission & Brokerage 4,848 4,328 520 12% Dividend Income 668 961 (293) ‐30% Income from dealing in Foreign Currencies 611 693 (81) ‐12% Capital Gains 2,109 687 1,422 207% Other
Slide 9: Key Ratios
MCB Bank Limited Key Ratios Coverage EPS* Infection Coverage Non‐ BV* ROA ROE CAR ADR (incl. benefit of (annualised) ratio ratio** markup/Total Rev liquid sec)*** Sep 2013 95.49 3.03% 24.70% 22.64 24.00% 41.98% 10.17% 84.28% 92.65% 15.00% June 2013 93.56 3.08% 25.91% 23.50 23.96% 40.08% 10.12% 86.92
Slide 10: Awards and Recognitions
MCB Bank Limited Awards and Recognitions 2nd Runner Up Best Presented Annual Report Awards and SAARC Anniversary Awards for Corporate Governance Disclosures 2011 – Category Private Ranked among the Top 25 Sector Banks (including Co‐operative “Best Corporate Report Award 2012 – PCR Corporate Philanth
Slide 11: Thankyou
MCB Bank Limited Thankyou For further details on MCB Bank Limited, please visit www.mcb.com.pk For any query/comments/feedback, please e‐mail investor.relations@mcb.com.pk