Slide 1: Financial Performance
Financial Performance For the Year Ended December 31, 2010
Slide 2: Synopsis - 2010
Synopsis - 2010 ◦ Total Asset of the bank rose to Rs. 568B, increase of 11% from YE09 Gross Advances at Rs. 274B – increased by 2% from YE09 Net Investments at Rs. 213B – increased by 27% from YE09 Cash and Balances with banks of Rs. 47B – increased by 5% from YE09 ◦ Total Liabilities stand at
Slide 3: Statement of Financial Position - Summary
Rs. in Mlns Statement of Financial Position - Summary Dec 2010 Dec 2009 YoY % Sep 2010 Vs. 3Q % Assets 567,553 509,224 58,330 11% 539,485 28,068 5% Advances - net 254,552 253,249 1,302 1% 228,577 25,975 11% Gross Advances 274,144 269,722 4,422 2% 246,887 27,257 11% Investments 213,061 167,134 45,926
Slide 4: Profits – by 13% (before tax) and 9% (after tax)
Rs. in Mlns Profits – by 13% (before tax) and 9% (after tax) Int on Advances: 32B Dec 2010 Dec 2009 +/- % Budgeted +/- +/- % (-10%) Int on Investments: Mark-up Income 54,821 51,616 3,205 6% 55,455 -634 -1% 20B (+46%) Int on Deposits: 16B Mark-up Expense 17,988 15,837 2,150 14% 17,570 418 2% (+14%) N
Slide 5: Core Earnings of the Bank
Rs. in Mlns Core Earnings of the Bank – 24% Dec 2010 Dec2009 Dec 2010 Actual vs. (YoY) Actual Actual Budgeted Budgeted Mark-up Income 54,821 51,616 6% 55,455 -1% Mark-up Expense 17,988 15,837 14% 17,570 2% Net Mark-up Income 36,834 35,779 3% 37,885 -3% Non Interest Income * 5,310 4,409 20% 5,542 -4%
Slide 6: Quarterly Performance
Rs. in Mlns Quarterly Performance Q4 - 2010 QoQ % Q3- 2010 QoQ % Q2 - 2010 QoQ % Q1- 2010 Mark-up Income 14,580 5% 13,845 4% 13,295 1% 13,101 Mark-up Expense 4,728 4% 4,560 6% 4,322 -1% 4,377 Net Mark-up Income 9,852 6% 9,285 3% 8,973 3% 8,724 Non Interest Income 1,674 5% 1,600 1% 1,591 14% 1,400 To
Slide 7: Key Ratios
Key Ratios Dec 2010 Sep 2010 June 2010 March 2010 Dec 2009 Book Value per share 91.00 88.24 85.18 82.61 80.34 ROA *(After Tax) 3.13% 3.18% 3.05% 3.29% 3.25% ROE *(After Tax) 25.91% 26.00% 25.25% 26.74% 27.35% EPS * 22.20 21.92 20.89 21.79 20.38 ADR (gross) 63.55% 58.47% 62.82% 66.29% 73.37% NPLs to
Slide 8: Overview of Consolidated Results
Overview of Consolidated Results Profit (before tax) of the group rose to Rs. 26.5B, rise of 14% from YE09 ◦ Net interest income of Rs. 36.8B – increase of 3% ◦ Non interest income of Rs. 6.4B – increase of 12% ◦ Admin exp of Rs. 15.5B – increased by 10% (20% including pf reversal impact) ◦ Provis
Slide 9: As We Move Forward
AS WE MOVE FORWARD Delivering remarkable returns to stakeholders, sustainable performance, exceeding market and shareholders expectations Providing value added services with operational expansion directed to vast outreach through geography and upgraded systems Building Corporate culture of equ
Slide 10: Thankyou
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