Mcb Bank Limited · PSX:MCB

Mcb Bank — Q1 2010 Earnings Presentation

15 slides from Mcb Bank's earnings presentation, May 2010

1. Slide 1: MCB Bank Limited First Quarter 2010

   MCB Bank Limited FIRST QUARTER 2010 May 2010

2. 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. The securities of MCB Bank Limited (the “Company”) have not been a

3. Slide 3: Important Information about Results Presentation

   Important Information about Results Presentation  Certain prior period financial numbers have been reclassified to conform to current period results presentation  All numbers are presented on consolidated basis, unless stated otherwise 3 HK000LN4_SCN_0906

4. Slide 4: 1Q 2010 Financial Highlights

   1Q 2010 Financial Highlights  Deposits reached Rs. 392B, an increase of 16% YoY & 7% on quarterly basis. CASA followed the Balance same growth trend and increased 16% YoY and 7% QoQ Sheet  Gross advances were Rs. 260B, a increase of 1% YoY and decrease of 4% QoQ. NPL ratio stood at 8.98% at Mar „1

5. Slide 5: 1Q 2010 Consolidated Highlights

   1Q 2010 Consolidated Highlights O (U) PKR O (U) % PKR mm 1Q10 1Q09 4Q09 1Q09 4Q09 Net mark-up interest income 8,726 (373) (424) (4%) (5%) Non-interest income 1,468 (225) (295) (13%) (17%) Total Revenue 10,194 (598) (718) (6%) (7%) Profit before Tax 6,387 17 1,421 0.3% 29% Net Income 4,242 (12) 1,028

6. Slide 6: 1Q 2010 Standalone Highlights

   1Q 2010 Standalone Highlights O (U) PKR O (U) % PKR mm 1Q10 1Q09 4Q09 1Q09 4Q09 Net mark-up interest income 8,724 (373) (424) (4%) (5%) Non-interest income 1,400 (275) (319) (16%) (19%) Total Revenue 10,124 (648) (743) (6%) (7%) Profit before Tax 6,251 13 749 0% 14% Net Income 4,141 6 451 0.1% 12% E

7. Slide 7: 1Q 2010 Income Statement

   1Q 2010 Income Statement O (U) PKR O (U) % PKR mm 1Q10 1Q09 4Q09 1Q09 4Q09 Mark-up Interest Earned 13,103 118 (226) 1% (2)% Mark-up Interest Expensed 4,376 491 198 13% 5% Net mark-up / interest income 8,726 (373) (424) (4)% (5)% Non mark-up / interest income 1,468 (225) (295) (13%) (17%) Total reven

8. Slide 8: Non Interest Income

   Non Interest Income O (U) PKR O (U) % PKR mm 1Q10 1Q09 4Q09 1Q09 4Q09 Fee, commission and brokerage income 972 125 166 15% 21% Income earned as trustee to various funds 5 1 (0) 34% (1%) Dividend income 113 45 27 67% 31% Income from dealing in foreign currencies 117 (319) 40 (73%) 52% Gain on sale of

9. Slide 9: Administrative Expenses - Standalone

   Administrative Expenses - Standalone O (U) PKR O (U) % 1Q10 1Q09 4Q09 1Q09 4Q09 Personnel expenses 1,737 3 (168) 0% (9%) Rent, taxes, insurance, electricity 317 57 (86) 22% (21%) Legal and professional charges 54 21 (34) 65% (39%) Communications 225 36 (26) 19% (10%) Repairs and maintenance 170 65 (

10. Slide 10: Deposit Base

    Deposit Base % Total O (U) PKR O (U) % PKR Bn 1Q10 1Q10 1Q09 4Q09 1Q09 4Q09 1Q09 4Q09 Fixed deposits 66 17% 17% 17% 9 3 16% 5% Savings 191 49% 49% 48% 24 15 15% 8% Current 135 35% 34% 35% 20 6 17% 5% Total deposits 392 100% 100% 100% 53 24 16% 7% CASA deposits 326 83% 83% 83% 44 21 16% 7%  Deposits

11. Slide 11: Loan Portfolio

    Loan Portfolio O (U) PKR O (U) % PKR bn 1Q10 % of Total 1Q09 4Q09 1Q09 4Q09 Corporate 168 65% 22 (5) 15% -3% Commercial 46 18% (14) (4) -23% -7% Consumer 25 10% (6) (1) -18% -5% Islamic 4 2% (1) 1 -19% 26% Other 15 6% 1 (1) 10% -8% Gross advances 260 100% 3 (10) 1% -4% ADR (gross) % 66% 76% 73% ADR

12. Slide 12: Asset Quality

    Asset Quality O (U) PKR O (U) % PKR mm 1Q10 1Q09 4Q09 1Q09 4Q09 1Q09 4Q09 Gross loans 259,549 256,663 269,721 2,886 (10,172) 1% -4% NPL 23,312 19,491 23,239 3,821 73 20% 0% Provisionings (period) 1,002 1,743 2,308 (741) (1,306) -42% -57% Total provisions 17,335 12,517 16,473 4,818 862 38% 5% NPL: Lo

13. Slide 13: Non-Performing Loan Portfolio

    Non-Performing Loan Portfolio QoQ Change in MCB NPLs MCB NPLs breakdown by Category PKR Bil OAEM Substandard Doubtful Loss 6.0 4.9 5.0 11,988 13,320 18,269 19,491 20,863 21,854 23,239 23,312 4.0 100% 3.0 90% 2.0 1.3 1.2 1.4 1.4 1.0 80% 1.0 0.3 0.1 0.0 55% 59% 70% 64% ∆ Q2 ∆ Q3 ∆ Q4 ∆ Q1 ∆ Q2 ∆ Q3 ∆

14. Slide 14: Capital Strength - Standalone

    Capital Strength - Standalone  Tier 1 capital ratio was 19% at Q1 „10 Dec-09 1Q10  Capital Adequacy ratio was 21% at Q1 „10 Total assets 509,224 497,525 Tier 1 Capital 59,896 61,584 Tier 2 Capital 4,460 5,389 Risk weighted assets 337,417 327,387 Tier 1 Capital Ratio 17.8% 18.8% Tier 2 Capital Rati

15. Slide 15: Thank you Question & Answer Session

    Thank you & Question & Answer Session HK000LN4_SCN_0906

MCB Bank — Q1 2010 Earnings Presentation on 6ix