Slide 1: MCB Bank Limited Investors Briefing
MCB Bank Limited Investors Briefing September 30, 2019 Presented by: Hammad Khalid Chief Financial Officer
Slide 2: Group Structure
Group Structure MCB Bank is majority owned by Nishat group, a prominent business conglomerate, having diversified interests in Textiles, Cement, Banking, Insurance, Power Generation, Hotel Business, Agriculture, Dairy, and Paper Products. To accede to international capital markets, the Bank launched
Slide 3: MCB Key Historical Milestones
MCB Key Historical Milestones 1947 Incorporation Nationalization 1974 Privatization 1991 Change of name from Muslim Commercial Bank to MCB Bank 2005 1st Pakistani Bank to issue Global Depository Receipts 2006 Strategic Acquisition by Maybank – Largest private sector transaction 2008 Total Deposits o
Slide 4: Business Strategy
Business Strategy MCB Bank Limited, a name synonymous with quality service and trust, is a recognized brand working on strategic parameters through out the decades in order to register financial performance and sustainable business development. Our broad spectrum of products and services provides a
Slide 5: Strategic Objectives
Strategic Objectives Delivering remarkable returns to stakeholders, sustainable performance, exceeding market and shareholder expectations Providing value added services through operational expansion, geography and upgraded system Building a corporate culture of equality, trust and team spirit
Slide 6: Vision & Mission
Vision & Mission Vision To be the leading financial services provider, partnering with our customers for a more prosperous and secure future. Mission We are a team of committed professionals, providing innovative and efficient financial solutions to create and nurture long-term relationships with ou
Slide 7: Key Performance Indicators, Awards & Accolades, Financial Performance
1 Key Performance Indicators 2 Awards & Accolades 3 Financial Performance
Slide 8: Key Performance Indicators
Key Performance 1 Indicators
Slide 9: One of the largest Commercial Bank in Pakistan
One of the largest Commercial Bank in Pakistan Financial Strength Domestic and International footprint PKR 1,581.5 bn Domestic Assets 1,382 (US$ 10.1 bn) Branches 11 PKR 1,145.1 bn Foreign Deposits (Sri Lanka : 8, Bahrain : 1, EPZ : 1, UAE : (US$ 7.3 bn) Branches 1) 1 Rep Office in Dubai PKR 533.3bn
Slide 10: Awards & Accolades
Awards & Accolades es a) —a—
Slide 11: Awards/ Accolades International Recognition
International Recognition Awards/ Accolades “Winner -Best Corporate Report Award 2018 – Banking Sector” Ranked among the Top 25 Companies Winner” - Best Corporate Report Award 2017 in Pakistan Winner – Best Presented Annual Winner” - Best Corporate Report Award 2016 Best bank in Pakistan - 2019 Acco
Slide 12: Financial Performance
Financial 3 Performance
Slide 13: Statement of Financial Position
Statement of Financial Position Rs. In mln Unconsolidated Consolidated Sep 2019 Dec 2018 YTD % Sep 2019 Dec 2018 YTD % Assets 1,581,493 1,498,130 83,363 5.56% 1,680,552 1,585,210 95,342 6.0% Advances - net 490,255 503,581 (13,326) -2.65% 548,254 566,792 (18,539) -3.3% Investments 864,430 749,369 115
Slide 14: Non Performing Loans (NPLs)
Non Performing Loans (NPLs) Coverage ratio* at 83.65% (YE18: 88.26 %), NPLs ratio stands at 9.66% (YE18: 8.95%) Rs. In mln Sep 19 Jun 19 Mar 19 Dec 18 Sep 18 Total NPLs 51,506 48,150 49,337 48,956 47,080 QoQ 3,355 (1,187) 381 1,876 (51) QoQ % variance 7% -2% 1% 4% 0% Substandard 2,718 253 1,687 1,52
Slide 15: Investments
Investments Increase of Rs. 138B in Pakistan Investment Bonds & decrease of Rs. 24B in Market Treasury Bills. Rs. In mln Sep 2019 Dec 2018 Var. % var. Sep 2018 Var. % var. Treasury Bills 554,337 578,343 (24,006) -4% 276,054 278,283 101% Pakistan Investment Bonds 265,746 127,914 137,832 108% 134,228
Slide 16: Deposits
Deposits Rs. in mln Q3 19 Q2 19 Q1 19 Q4 18 Q3 18 Volume Mix Volume Mix Volume Mix Volume Mix Volume Mix Deposits - Volume 1,145,140 1,148,631 1,066,013 1,049,038 1,032,649 Current deposits 416,922 36% 437,496 38% 406,850 38% 401,899 38% 394,167 38% Savings deposits 615,472 54% 604,695 53% 565,100 5
Slide 17: Profit and Loss Statement
Profit and Loss Statement Rs. In mln Unconsolidated Consolidated Sep 2019 Sep 2018 +/- % Sep 2019 Sep 2018 +/- % Mark-up Income 98,450 58,926 39,524 67.07% 105,533 61,541 43,992 71.5% Mark-up Expense 55,456 25,000 30,456 121.83% 59,509 26,392 33,117 125.5% Net Mark-up Income 42,994 33,926 9,068 26.7
Slide 18: Key Performance Ratios
Key Performance Ratios Coverage Non- EPS Infection Coverage (incl. benefit BV ROA ROE CAR ADR markup/Total (annualised) ratio ratio* of liquid Rev sec)** Sep 2019 120.08 1.41% 15.41% 18.45 18.15% 46.57% 9.66% 83.65% 90.98% 21.03% Dec 2018 117.74 1.50% 15.48% 18.02 18.13% 52.12% 8.95% 88.26% 94.49% 2
Slide 19: Thank you
MCB Bank Limited Thank you 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