Mcb Bank Limited · PSX:MCB
Mcb Bank — Q1 2023 Earnings Presentation
12 slides from Mcb Bank's earnings presentation, Mar 31, 2023
Slide 1: MCB Bank Limited Financial Highlights
MCB Bank Limited Financial Highlights Quarter Ended – March 31st, 2023 Presented by: Hammad Khalid Chief Financial Officer
Slide 2: MCB - At a Glance
MCB - At a Glance Branches Global Presence Customers ADCs 8 International Over 8.7 million Over 1472 ATMs Domestic : 1436 EPZ : 01 branches in customer 3 Countries accounts Over 800,000 MCB Live users Deposits Advances Home Remittance Trade Market Share Market Share Market Share Market Share 6.12 %
Slide 3: Key Highlights for the period ended March 31, 2023
Key Highlights for the period ended March 31,2023 Key challenges for the Economy: 54% increase in PBT • Global recessionary outlook weighs in FY 2023; Challenges compounded for Pakistan on account of political, financial and growing law and order concerns; • Pakistan remains in the midst of a severe
Slide 4: Sound Balance Sheet footing
Sound Balance Sheet footing PKR in Billions Mar 2023 Dec 2022 Var. % var. Advances Portfolio: • Gross advances of the Bank decreased of Rs. 95 billion (-12%), on account of monitory tightening by SBP; ASSETS 2,114 2,085 29 1.39% • Corporate lending book decreased by Rs. 107.1 billion (-18%) whereas
Slide 5: Advances & NPLs
Advances & NPLs Coverage ratio* at 81.88% (YE22: 86.17 %), NPLs ratio stands at 7.87% (YE22: 6.43 %) PKR in Billions Gross Advances (CAGR 6.09%) Domestic NPLs Ratio at 6.04% (YE22: 5.12 %), Industry NPL ratio YE22:7.31% (YE21:7.89% ) 798 703 636 PKR in Billions Mar 2023 Dec 2022 Var. % var. 547 540
Slide 6: Diversified Investment Portfolio
Diversified Investment Portfolio 91% of the portfolio has been invested in Risk Free Government Securities PKR in Millions Composition of Investments Re-Pricing Schedule Mar 2023 Dec 2022 PIBs Floating TBs Total T-Bills 8% 13% PIBs 83% 80% Up to 1 M 324.04 10.23 334.27 1 M to 3 M 130.59 56.24 186.83
Slide 7: Robust Growth in Current Deposits; 12%
Robust Growth in Current Deposits ; 12% Total Deposits (CAGR : 9.23%) Total Deposits Current Deposits Saving Deposits 1,412 1,379 1,540 1,290 1.5 trillion 827 billion 666 billion 1,049 1,145 PKR PKR PKR Dec-18 Dec-19 Dec-20 Dec-21 Dec-22 Mar-23 Current Deposit (CAGR : 16.13%) CoD CASA Market Share (
Slide 8: Strong buildup in Core Earnings
Strong buildup in Core Earnings Exceptional performance in Core Earnings: • Strong volumetric growth in current account and favorable yield curve movements, Mar 2023 Mar 2022 Var. % var. net interest income for Mar-23 increased by 66% PKR in Billions • Non-markup income increased to Rs. 5.9 billion
Slide 9: Strong Capital Position & Ratios
Strong Capital Position & Ratios Buffer of 651bps on top of regulatory CAR Risk Weighted Assets Tier I Tier II RWA Mar-23 : PKR 1,043 billion CAR ORWA, 177 15.9% 2.1% Mar-23 18.01% MRWA, 61 CAR 16.3% 2.5% Dec-22 18.84% CRWA, 805 • Bank’s total Capital Adequacy Ratio (CAR) is 18.01% against the requi
Slide 10: 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 Billions MCB Islamic – Deposits & Advances PKR in Millions Profit / (Loss) after Tax Mar-23 840 2022 1,548 163.01 154.00 2021 100 122.75 99.25 96.50 94.42 90.89 84.96
Slide 11: Awards & Accolades
Awards & Accolades Asiamoney Awards Best Corporate Report Best Corporate Bank in Pakistan 2022 Overall Most outstanding Company in Pakistan 2020 “Joint Runner-up” – Overall Best Corporate Report 2021” Most outstanding Company in Pakistan 2020, 2019 Financial Sector “Joint Winner” - Best Corporate Re
Slide 12: 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