Mcb Bank Limited · PSX:MCB
Mcb Bank — H1 2012 Earnings Presentation
12 slides from Mcb Bank's earnings presentation, 2012
Slide 1: MCB Bank Limited Investors Briefing: Financial Performance Analysis
MCB Bank Limited Investors Briefing Financial Performance Analysis For the first half ended June 30, 2012
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 Increase of 5% in Assets base, base Equity increased by 7% Rs. In mln Unconsolidated Consolidated 1H 12 YE 11 YoY % 1H 12 YE 11 Assets 686,103 653,233 32,870 5% 689,875 656,325 Advances - net 240,954 225,720 15,234 7% 241,038 225,713 Investments 327,5
Slide 4: Non Performing Loans (NPLs)
MCB Bank Limited Non Performing Loans (NPLs) Decrease of 295M: ‐237M 237M in substandard, substandard ‐253M 253M in loss and +184M in doubtful Coverage ratio improved to 86.12% (YE11: 83.76%), NPLs ratio decreased to 10% (YE11: 10.75%) Rs. In mln June 12 Mar 12 Dec 11 Sep 11 June 11 Mar 11 Total NPL
Slide 5: Investments
MCB Bank Limited Investments Increase of 10B in PIBs and of 10B in units in open end funds funds. T‐Bills T Bills decreased by 8.8B 8 8B Rs. In mln June 2012 Dec 2011 Var. % var. June 2011 Var. % var. Treasury Bills 250,116 258,891 (8,775) ‐3% 225,003 25,112 11% Pakistan Investment Bonds 45,789 35,7
Slide 6: Deposits
MCB Bank Limited Deposits YTD increase/decrease Current deposits 13.0% CASA at 83% with an YTD increase of 13% in CA and 9% in SA SA. Term Deposits decreased by 4% S i Savings deposits d it 8 6% 8.6% Term Deposits ‐4.0% Total Deposits 7.8% Rs. In mln Q2 12 Q1 12 Q4 11 Q3 11 Q2 11 Volume Mix Volume M
Slide 7: Profit and Loss Statement
MCB Bank Limited Profit and Loss Statement PAT and PBT increased by 7%, 7% Of Group up by 9% and 8% respectively Rs. In mln Unconsolidated Consolidated 1H 12 1H 11 +/- % 1H 12 1H 11 +/- % Mark-up Income 34,492 32,842 1,650 5% 34,527 32,864 1,663 5% Mark-up Expense 13,587 10,615 2,972 28% 13,587 10,6
Slide 8: Net Interest Income
MCB Bank Limited Net Interest Income Income on advances decreased by 15%, 15% on investments increased by 31% while expense on deposits went up by 23% Rs. In mln June 2012 June 2011 Var. % var. MARK‐UP EARNED 34,492 32,842 1,650 5% On Loans and advances 15,058 17,670 (2,612) ‐15% 15% On investments
Slide 9: Non-Markup Income
MCB Bank Limited Non‐ Markup Income Rs. In mln June 2012 June 2011 Var. % var. NON MARKUP INCOME 5,195 4,153 1,043 25% Fee, Commission & Brokerage 2,895 2,439 456 19% Dividend Income 797 352 445 126% Income from dealing in Foreign Currencies 501 486 15 3% Capital Gains 724 581 143 25% Other Income 2
Slide 10: Key Ratios
MCB Bank Limited Key Ratios EPS* BV* ROA ROE CAR ADR Infection ratio Coverage ratio (annualised) June 2012 92.16 3.38% 27.68% 24.62 22.15% 49.81% 10.00% 86.12% Mar 2012 88.94 3.42% 28.09% 24.54 22.26% 49.37% 10.39% 85.00% Dec 2011 85.79 3.18% 26.23% 21.12 21.79% 50.52% 10.75% 83.76% Sep 2011 84.25 3
Slide 11: Awards and Recognitions
MCB Bank Limited Awards and Recognitions Ranked 606, in July 2011 edition (2010: 621) 3rd highest among the local Top 5 Best Bank of the Year 2011 and Best Bank In Pakistan 2011 Most Stable Bank of the Year 2011 Strongest Bank in Pakistan 2010 Ranked among the Top 25 largest companies in Pakistan Be
Slide 12: Thankyou
Thankyou y For further details on MCB Bank Limited, please visit www.mcb.com.pk For any query/comments/feedback, / /f db k please l e‐mailil investor.relations@mcb.com.pk