Slide 1: MCB Bank Limited Investors Briefing
MCB Bank Limited Investors Briefing Financial Performance Analysis For the Half Year ended June 30, 2014 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 Rs. in mln Increase of 5% in Equity Unconsolidated Consolidated 1H 14 YE 13 YTD % 1H 14 YE 13 YTD % Assets 868,513 815,508 53,004 6% 874,961 821,278 53,682 7% Advances - net 284,115 248,243 35,873 14.5% 284,359 248,522 35,838 14% Investments - net 444
Slide 4: Non Performing Loans (NPLs)
MCB Bank Limited Non Performing Loans (NPLs) Rs. In mln Coverage ratio* at 85.60% (YE13: 85.74%), NPLs ratio improved to 7.29% (YE13: 8.68 %) YTD (June 14 vs. Dec13) June 14 Mar 14 Dec 13 Sep 13 June 13 Var. % Total NPLs (1,167) ‐5% Substandard (13) ‐4% Total NPLs 22,100 22,514 23,268 24,936 24,766
Slide 5: Investments
MCB Bank Limited Investments Increase of Rs.+168.82B in Pakistan Investment Bonds & decrease of Rs. ‐171.74B in Market Treasury Bills . Rs. In mln Composition of Investments June 2014 Dec 2013 Var. % var. June 2014 Dec 2013 Treasury Bills 151,414 323,158 (171,744) ‐53% T‐Bills 33.99% 72% Pakistan In
Slide 6: Deposits
MCB Bank Limited Deposits YTD increase/decrease YTD CASA reported at 91%, Increase recorded in Current Deposits +23%, Saving Deposits +3% Current deposits 23% Savings deposits 3% CASA 11% Term Deposits ‐10% Total Deposits 8% Rs. In mln Q2 14 Q1 14 Q4 13 Q3 13 Q2 13 Volume Mix Volume Mix Volume Mix V
Slide 7: Profit and Loss Statement
MCB Bank Limited Profit and Loss Statement Rs. In mln Standalone PBT increased by 1% and PAT decreased by 1% Unconsolidated Consolidated 1H 14 1H 13 +/- % 1H 14 1H 13 +/- % Mark-up Income 37,573 32,975 4,598 14% 37,632 33,029 4,603 14% Mark-up Expense 16,137 14,165 1,971 14% 16,141 14,172 1,969 14%
Slide 8: Non-Markup Income
MCB Bank Limited Non‐ Markup Income Rs. In mln Budgeted June 2014 June 2013 Var. % var. Var. % var. June 2014 NON MARKUP INCOME 5,456 5,842 (386) ‐7% 5,253 203 4% Fee, Commission & Brokerage 3,402 3,265 137 4% 3,990 (587) ‐15% Dividend Income 449 507 (58) ‐11% 460 (11) ‐2% Income from dealing in For
Slide 9: Key Ratios
MCB Bank Limited Key Ratios Coverage Non‐ EPS* Infection Coverage (incl. benefit BV* ROA ROE CAR**** ADR markup/Total (annualised) ratio ratio** of liquid Rev sec)*** June 2014 91.68 2.79% 23.53% 21.07 20.22% 44.19% 7.29% 85.60% 94.15% 12.68% Mar 2014 89.15 2.68% 22.44% 19.81 21.09% 43.45% 8.26% 85.
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