Mcb Bank Limited · PSX:MCB
Mcb Bank — FY2013 Earnings Presentation
11 slides from Mcb Bank's earnings presentation, Dec 31, 2013
Slide 1: Investors Briefing: Financial Performance Analysis
MCB Bank Limited Investors Briefing Financial Performance Analysis For the year ended December 31, 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 Rs. In mln Increase of 9% in Equity Unconsolidated Consolidated YE 13 YE 12 YTD % YE 13 YE 12 YTD % Assets 815,508 767,075 48,434 6% 821,278 771,458 49,820 6.46% Advances - net 248,243 239,583 8,660 3.6% 248,522 239,789 8,733 3.64% Investments 449,006
Slide 4: Non Performing Loans (NPLs)
MCB Bank Limited Non Performing Loans (NPLs) Coverage ratio* at 85.74% (YE12: 89.23%), NPLs ratio decreased to 8.68% (YE12: 9.74%) Dec 13 Sep 13 June 13 Mar 13 Dec 12 Rs. In mln Total NPLs 23,268 24,936 24,766 24,701 25,562 Concentration of Category of NPLs QoQ (1,668) 170 65 (861) (530) QoQ % varia
Slide 5: Investments
MCB Bank Limited Investments Increase of Rs.+32.32B in Market Treasury Bills & Rs. 22.51 in Pakistan Investment Bonds. Rs. In mln Dec 2013 Dec 2012 Var. % var. Composition of Investments Treasury Bills 11% T‐Bills 71.88% 73% 323,158 290,834 32,324 Pakistan Investment Bonds 26% PIBs 23.94% 21% 107,61
Slide 6: Deposits
MCB Bank Limited YTD increase/decrease YTD Deposits Current deposits Savings deposits 13% 28% CASA increased to 90% CASA 22% Term Deposits ‐20% Total Deposits 16% Rs. In mln Q4 13 Q3 13 Q2 13 Q1 13 Q4 12 Volume Mix Volume Mix Volume Mix Volume Mix Volume Mix Deposits ‐ Volume 632,330 584,239 610,341
Slide 7: Profit and Loss Statement
MCB Bank Limited Profit and Loss Statement Rs. In mln PAT increased by 4% and PBT increased by 2% Unconsolidated Consolidated YE 13 YE 12 +/- % YE 13 YE 12 +/- % Mark-up Income 65,064 68,356 (3,292) -5% 65,186 68,444 (3,257) -4.8% Mark-up Expense 27,196 27,500 (304) -1% 27,219 27,503 (284) -1.0% Net
Slide 8: Non-Markup Income
MCB Bank Limited Non‐ Markup Income Rs. In mln Dec 2013 Dec 2012 Var. % var. NON MARKUP INCOME 11,171 9,153 2,017 22% Fee, Commission & Brokerage 6,741 5,934 807 14% Dividend Income 933 1,198 (265) ‐22% Income from dealing in Foreign Currencies 917 823 94 11% Capital Gains 2,130 825 1,306 158% Other
Slide 9: Key Ratios
MCB Bank Limited Key Ratios Coverage EPS* Coverage Non‐markup/Total BV* ROA ROE CAR ADR Infection ratio (incl. benefit of (annualised) ratio** Rev liquid sec)*** Dec 2013 96.13 2.72% 23.09% 21.24 ****22.25% 42.41% 8.68% 85.74% 94.57% 14.65% Sep 2013 95.49 3.03% 24.70% 22.64 24.77% 41.98% 10.17% 84.2
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