Slide 1: Investors Briefing: Financial Performance Analysis, Quarter Ended March 31, 2016
MCB Bank Limited Investors Briefing Financial Performance Analysis For the Quarter Ended March 31, 2016 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 1% in Equity Unconsolidated Consolidated Q1-2016 2015 YTD % Q1-2016 2015 YTD % Assets 1,060,274 1,016,630 43,645 4% 1,066,700 1,020,980 45,720 4% Advances - net 312,249 315,585 (3,337) -1% 315,463 316,771 (1,308) 0% Investments
Slide 4: Non Performing Loans (NPLs)
MCB Bank Limited Non Performing Loans (NPLs) Rs. In mln Coverage ratio* at 86.91% (YE15: 90.83 %), NPLs ratio stands at 6.29% (YE15: 6.10 %) YTD (Mar 16 vs. Dec 15) Var. % Mar 16 Dec 15 Sep 15 June 15 Mar 15 Total NPLs 404 2% Substandard 945 #DIV/0! Doubtful (15) -32% Total NPLs 20,774 20,369 20,814
Slide 5: Investments
MCB Bank Limited Investments Increase of Rs. 58.06B in Pakistan Investment Bonds Rs. In mln Mar 2016 Dec 2015 Var. % var. Mar 2015 Var. % var. Treasury Bills 226,248 227,208 (961) 0% 207,335 18,912 9% Pakistan Investment Bonds 338,105 280,042 58,063 21% 319,520 18,585 6% TFCs, Debentures, Bonds and
Slide 6: Deposits
MCB Bank Limited Rs. In mln Deposits CASA reported at 94%, Increase recorded in Current Deposits +7%, Saving Deposits +3%, Term Deposits -8%. Q1 16 Q4 15 Q3 15 Q2 15 Q1 15 Volume Mix Volume Mix Volume Mix Volume Mix Volume Mix Deposits - Volume 733,239 708,091 712,197 765,791 736,157 Current deposit
Slide 7: Profit and Loss Statement
MCB Bank Limited Profit and Loss Statement Rs. In mln Standalone PBT decreased by 24% and PAT decreased by 24% Unconsolidated Consolidated Q1-2016 Q1-2015 +/- % Q1-2016 Q1-2015 +/- % Mark-up Income 17,896 20,625 (2,730) -13% 18,015 20,650 (2,635) -13% Mark-up Expense 6,427 8,623 (2,196) -25% 6,411 8
Slide 8: 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)** Mar 2016 102.79 2.32% 21.19% 21.64 18.15% 45.05% 6.29% 86.91% 95.72% 20.56% Dec 2015 101.44 2.62% 23.25% 22.96 19.00% 47.18% 6.10% 90.83% 99.
Slide 9: International Recognition Awards / Accolades
International Recognition Awards / Accolades Ranked among the Top 25 Winner – Best Presented Annual “Winner -Best Corporate Report Award Best bank in Pakistan - 2015 Companies in Pakistan Accounts 2014 2014 – Banking Sector” 1st Runner Up Best Presented Annual “Winner” - Best Corporate Report Award
Slide 10: 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