Mcb Bank Limited · PSX:MCB
Mcb Bank — FY2022 Earnings Presentation
13 slides from Mcb Bank's earnings presentation, February 2023
Slide 1: MCB Bank Limited Financial Highlights
MCB Bank Limited Financial Highlights Year Ended – December 31st, 2022 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 8.6 million Over 1480 ATMs Domestic : 1439 EPZ : 01 branches in customer 3 Countries accounts Over 700,000 MCB Live users Deposits Advances Home Remittance Trade Market Share Market Share Market Share Market Share 5.87 %
Slide 3: Key Highlights for the year ended December 31, 2022
Key Highlights for the year ended December 31,2022 Key challenges for the Economy: Historic Earnings in 2022, PBT of PKR 71.4 B • Global economic slowdown due to rising food and energy prices, geo-political scenario, monetary tightening stance adopted by major economies; Global growth expected to fa
Slide 4: Sound Balance Sheet footing
Sound Balance Sheet footing Historic Growth in Advances; above the industry average PKR in Billions Advances Portfolio: Dec 2022 Dec 2021 Var. % var. • Gross advances of the Bank registered a historic growth of Rs. 162 billion (+25%), above the industry average, to close the year at Rs. 798 billion;
Slide 5: Advances & NPLs
Advances & NPLs Coverage ratio* at 86.17% (YE21: 90.83 %), NPLs ratio stands at 6.43% (YE21: 7.94 %) Gross Advances (CAGR 13.79%) Domestic NPLs Ratio at 5.12% (YE21: 6.77 %), Industry NPL ratio Sep 30, 2022:7.56% (YE21:7.89% ) PKR in Billions 798 636 PKR in Billions 515 547 540 Dec 2022 Dec 2021 Var
Slide 6: Diversified Investment Portfolio
Diversified Investment Portfolio 93% of the portfolio has been invested in Risk Free Government Securities PKR in Millions Composition of Investments Re-Pricing Schedule Dec 2022 Dec 2021 Floating PIBs TBs Total T-Bills 13% 31% Up to 1 M 322 46 368 PIBs 80% 63% 1 M to 3 M 71 66 137 Equity securities
Slide 7: Robust Growth in Current Deposits; 21%
Robust Growth in Current Deposits ; 21% Total Deposits (CAGR : 9.9%) Total Deposits Current Deposits Saving Deposits PKR 1.4 trillion PKR 680 billion PKR 642 billion 1,145 1,290 1,412 1,379 968 1,049 Dec-17 Dec-18 Dec-19 Dec-20 Dec-21 Dec-22 Current Deposits (CAGR : 14.7%) CoD CASA Market Share (Dom
Slide 8: Strong buildup in Core Earnings
Strong buildup in Core Earnings Highest ever PBT of PKR 71.4 billion Exceptional performance in Core Earnings: Dec 2022 Dec 2021 Var. % var. • Strong volumetric growth in current account and favorable yield curve movements, net interest PKR in Billions income for Dec-22 increased by 36% • YoY curren
Slide 9: Strong Capital Position & Ratios
Strong Capital Position & Ratios Buffer of 734bps on top of regulatory CAR Risk Weighted Assets RWA Dec-22 : PKR 984 billion 16.3% CAR ORWA, 177 2.5% Dec-22 18.8% MRWA, 69 CAR 15.1% 1.9% Dec-21 17.0% CRWA, 739 Tier I Tier II • Bank’s total Capital Adequacy Ratio (CAR) is 18.84% against the requireme
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 2022 1,548 2021 100 154.00 2020 208 122.75 99.25 96.50 90.89 2019 84.96 (244) 81.8
Slide 11: Way Forward
Way Forward • Refined risk appetite and strong • Internal & External Digitalization capital ratios • Digital Cultural Transformation • Recovery, a strength delivering • Stability & Scalability of MCB Live results over years • Workflow automation • MasterCard Simplify – E-Commerce platform for SME cu
Slide 12: 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 13: 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