Mcb Bank Limited · PSX:MCB
Mcb Bank — FY2021 Earnings Presentation
19 slides from Mcb Bank's earnings presentation, Dec 31, 2021
Slide 1: MCB Bank Limited Financial Highlights December 31, 2021
MCB Bank Limited Financial Highlights December 31, 2021 Presented by: Hammad Khalid Chief Financial Officer
Slide 2: MCB Overview
MCB Overview Branches Global Presence Customers ATMs 10 International Over 8 million customer Over 1450 ATMs all 1426 Domestic Branches branches in 3 countries accounts across Pakistan across Pakistan Market Share - Deposits Market Share - Advances Market Share – Home Remittance Market Share – Trade
Slide 3: MCB Overview
MCB Overview 1. One touch Banking solution 2. Financial Management easier than ever 3. Frictionless and Reliable online transactions Trade Cash Management Debit Card Auto Loans Home Loans Trade Business volume Cash Management Debit Card issuance up No. of Auto Loans up No. of Home Loans up up by 41%
Slide 4: Standalone Financial Summary
Standalone Financial Summary
Slide 5: Statement of Financial Position
Statement of Financial Position Increase of 12% in Assets base Rs. In mln Dec 2021 Dec 2020 Var. % var. Sep 2021 Var. % var. Investments: PIBs : +310B T-Bills : -273B ASSETS 1,970,468 1,757,462 213,006 12.12% 1,931,097 39,371 2% Advances - net 589,711 462,942 126,769 27.38% 481,778 107,933 22% - Gro
Slide 6: Investments
Investments Investments Pakistan Investment Bonds increased by Rs. 258B and Market Treasury Bills decreased by Rs. 87B. Pakistan Investment Bonds increased by Rs. 310B and Market Treasury Bills decreased by Rs. 273B. Rs. In mln Dec 2021 Dec 2020 Var. % var. Sep 2021 Var. % var. Treasury Bills 325,53
Slide 7: Deposits
Deposits Rs. in mln CASA reported at 92.93%, Current Deposits +15% , Term Deposits +10%, Saving Deposits 6% YTD increase/decrease YTD Current deposits 15% 73,810 Savings deposits 6% 39,465 CASA 9% 113,274 Term Deposits 10% 9,075 Total Deposits 9% 122,349 Q4 21 Q3 21 Q2 21 Q1 21 Q4 20 Volume Mix Volu
Slide 8: Strong growth in Current deposits
Strong growth in Current deposits Deposits & other accounts - Growth Current Account - Growth 563 1,412 489 1,290 425 402 1,049 1,145 377 968 298 781 2016 2017 2018 2019 2020 2021 2016 2017 2018 2019 2020 2021 Deposit Mix - 2021 Deposit Mix - 2020 7% 7% 38% 40% 55% 53%
Slide 9: Profit and Loss Statement
Profit and Loss Statement PBT of Rs. 51.99B (+7.75%) and PAT of Rs. 30.81B (+6.11%) Rs. in mln Markup Income: Dec 2021 Dec 2020 Var. % var. On Advances: -9.76B On Investments: -2.46B Mark-up Income 123,334 136,076 (12,741) -9% Mark-up Expense 59,347 64,741 (5,394) -8% Net Mark-up Income 63,987 71,33
Slide 10: 14% increase in Fee & commission Income
14% increase in Fee & commission Income Rs. in mln Dec 2021 Dec 2020 Var. % Fee, commission and brokerage income 12,440 10,936 1,503 14% Branch banking customer fees 2,850 1,914 936 49% Consumer finance related fees 511 420 91 22% Card related fees (debit and credit cards) 2,946 3,131 (185) -6% Cred
Slide 11: Consolidated Results 2021
Consolidated Results 2021
Slide 12: Statement of Financial Position
Statement of Financial Position Rs. in Million Consolidated Particulars Dec 2021 Dec 2020 YTD % Assets 2,122,121 1,891,276 230,845 12.2% Advances - net 686,389 547,686 138,703 25.3% Investments 1,062,569 1,036,218 26,351 2.5% Cash and Balances with Banks & Lending to Financial 239,094 179,033 60,061
Slide 13: Profit and Loss Statement
Profit and Loss Statement Rs. in Million Consolidated Particulars Dec 2021 Dec 2020 +/- % Mark-up Income 132,609 145,772 (13,163) -9.0% Mark-up Expense 64,231 69,929 (5,698) -8.1% Net Mark-up Income 68,378 75,843 (7,465) -9.8% Non Interest Income 20,655 19,269 1,386 7.2% Total Income 89,033 95,112 (
Slide 14: A Historical Perspective - 6 Years Review
A Historical Perspective - 6 Years Review
Slide 15: Financial Summary - 6 years
Financial Summary - 6 years 2021 2020 2019 2018 2017 2016 PROFIT AND LOSS ACCOUNT Mark-up/ return earned Rs. Mln 123,334 136,076 138,292 83,319 74,091 67,400 Mark-up/ return expensed "" 59,347 64,741 78,676 37,305 31,429 23,586 Fund based income "" 63,987 71,334 59,616 46,014 42,662 43,814 Fee, Comm
Slide 16: Financial Ratios - 6 years
Financial Ratios - 6 years 2021 2020 2019 2018 2017 2016 Profitability ratios: Profit before tax ratio % 42.15% 35.46% 29.00% 38.48% 41.86% 53.52% Gross Yield on Average Earning Assets "" 8.15% 9.59% 10.49% 6.41% 7.10% 7.56% Gross Spread "" 51.88% 52.42% 43.11% 55.23% 57.58% 65.01% Non interest inco
Slide 17: Awards & Accolades
Awards & Accolades
Slide 18: Awards/ Accolades
Awards/ Accolades “Winner – Overall Best Corporate Report Award Joint 1st Runner Up – Best Presented Annual Accounts 2019 – Best bank in Pakistan – 2020 Ranked among the Top 25 Companies in Pakistan 2020” Banking Sector Best bank in Pakistan - 2019 Winner – Best Presented Annual Accounts 2014 “Winne
Slide 19: 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