Mcb Bank Limited · PSX:MCB
Mcb Bank — 9M 2022 Earnings Presentation
15 slides from Mcb Bank's earnings presentation, Sep 30, 2022
Slide 1: MCB Bank Limited Financial Highlights September 30, 2022
MCB Bank Limited Financial Highlights September 30, 2022 Presented by: Hammad Khalid Chief Financial Officer
Slide 2: MCB Overview
MCB Overview Branches Global Presence Customers ATMs 8 International branches Over 8.5 million Over 1487 ATMs all 1430 Domestic Branches in 3 countries customer accounts across Pakistan across Pakistan (EPZ:1) Market Share - Deposits Market Share - Advances Market Share – Home Remittance Market Shar
Slide 3: Key Highlights for the nine months ended September 30, 2022
Key Highlights for the nine months ended September 30,2022 Key challenges for the Economy: Historic Earnings in 9M-22, PBT of PKR 51.6 B • Political instability triggering financial crisis; Pressure on external front contained in 1QFY23 through structural reforms; PBT PKR 51.59Billion +35% YoY • MoM
Slide 4: Sound financial position
Sound financial position Exceptional performance in Deposits with above industry average growth Advances Portfolio: Sep 2022 Dec 2021 Var. % var. • Gross advances registered a decrease of Rs. 9 billion (-1.39%); Prime concentration in Corporate Book, followed by Retail Segment; PKR in Billions ASSET
Slide 5: Advances & NPLs
Advances & NPLs Coverage ratio* at 85.14% (YE21: 90.83 %), NPLs ratio stands at 8.37% (YE21: 7.94 %) Gross Advances (CAGR11.88%) Domestic NPLs Ratio at 6.72% (YE21: 6.77 %), Industry NPL ratio June 30, 2022:7.51% (YE21:7.89% ) PKR in Billions 636 627 547 540 515 514 Sep 2022 Dec 2021 Var. % var. Adv
Slide 6: Diversified Investment Portfolio
Diversified Investment Portfolio 93% of the portfolio has been invested in Risk Free Government Securities 559 PKR in Billions PKR in Billions Re-Pricing Schedule 31 PIBs Floating TBs 17 Up to 1M 408.53 96.36 76 1M to 3M 64.29 39.56 3M to 6M 85.90 53.42 6M to 1Y - 8.62 558.73 197.96 28 210 284 T-Bil
Slide 7: An average growth of 6.59% in Deposits (Industry: -1.33%)
An average growth of 6.59% in Deposits (Industry: -1.33%) Total Deposits (CAGR : 13.1%) Total Deposits Current Deposits Saving Deposits 1,590 1,412 1.6 trillion 680 billion 1,290 810 billion 1,049 1,145 781 968 PKR PKR PKR Up by 13% Up by 21% Up by 8% Dec-16 Dec-17 Dec-18 Dec-19 Dec-20 Dec-21 Sep-22
Slide 8: Strong buildup in Core Earnings during 9M-22
Strong buildup in Core Earnings during 9M-22 PKR 51.6 billion PBT in Nine Months of 2022, highest ever quarterly Profit in Q3 Exceptional performance in Core Earnings: • Strong volumetric growth in current account and favorable yield curve movements, net Sep 2022 Sep 2021 Var. % var. interest income
Slide 9: Strong Capital Position & Ratios
Strong Capital Position & Ratios Buffer of 600bps on top of regulatory CAR Risk Weighted Assets RWA Sep-22 : PKR 929 billion CAR** 16.5% 1.1% Sep-22 17.6% ORWA, 153 MRWA, 120 CAR 15.1% 1.9% Dec-21 17.0% CRWA, 656 Tier I Tier II • Bank’s total Capital Adequacy Ratio (CAR) is 17.60% against the requir
Slide 10: Superior Dividend Payout History
Superior Dividend Payout History Dividend 2022 2021 MCB share sensitivity analysis Mln % Mln % Final cash dividend - - 5,925 50 • One of the prime stock traded for KSE-100 index in Pakistan Stock Exchange 3rd interim dividend 5,925 50 5,333 45 2nd interim dividend 4,740 40 5,925 50 • Included in Top
Slide 11: MCB Islamic Bank - Footprint
MCB Islamic Bank - Footprint MCB is the only conventional bank operating a wholly owned Islamic Subsidiary – MCB Islamic Bank PKR in Millions MCB Islamic – Deposits & Advances PKR in Billions Profit / (Loss) after Tax Sep-22 847 2021 100 2020 208 143.63 122.75 99.25 97.03 96.50 2019 (244) 84.96 81.8
Slide 12: Way Forward
Way Forward Branch Banking Stream Digital Banking Stream • No Cost Deposits; Deepening of existing relationships / • Digitalization Drive – MCB Live; gearing for phase 2 dormant relationships delivery; Safe, Stable and Reliable; • Continue investing in Branch & Technology • Improved UX / UI; infrast
Slide 13: Awards & Accolades
Awards & Accolades
Slide 14: Awards/ Accolades
Awards/ Accolades “Joint Runner-up” – Overall Best Corporate Report Joint 1st Runner Up – Best Presented Annual Accounts 2019 – Best bank in Pakistan – 2020 Ranked among the Top 25 Companies in Pakistan Award 2021” Banking Sector Best bank in Pakistan - 2019 Winner – Best Presented Annual Accounts 2
Slide 15: Thank you!
Thank you! For more information write to us on info@mcb.com.pk. For any investor related query/comments/feedback, please e-mail investor.relations@mcb.com.pk