Mcb Bank Limited · PSX:MCB
Mcb Bank — H1 2020 Earnings Presentation
15 slides from Mcb Bank's earnings presentation, Jun 30, 2020
Slide 1: MCB Bank Limited Investors Briefing
MCB Bank Limited Investors Briefing June 30, 2020 Presented by: Hammad Khalid Chief Financial Officer
Slide 2: Financial and Operational Landscape
Financial and Operational Landscape Financial Strength Domestic and International footprint PKR 1,667.6 bn Domestic Assets 1,400 (US$ 9.9 bn) Branches 11 PKR 1,274.7 bn Foreign Deposits (Sri Lanka : 8, Bahrain : 1, EPZ : 1, (US$ 7.6 bn) Branches UAE : 1) PKR 508 bn MCB Financial Services Advances (G
Slide 3: Key Performance Indicators
Key Performance Indicators Cost to Income Ratio Quarterly Operating expenses excluding PF • C / I ratio averages 43.8% for last 6 quarters • Resulting into flat OPEX line • C / I ratio improving to 37.9% in Q2-20 • Strategic cost efficiency drive Rs. In Billions 48.70% 8.45 46.15% 45.83% 43.40% 8.28
Slide 4: Comparative Performance
Comparative Performance Admin Expenses Profit after Tax (PAT) (Excluding PF Reversal) Significant increase of 24% in PAT over 1H-19. Efficient cost management leads to 0.8% decrease over 1H-19. 13.21 Rs. In Billion 16.50 10.67 16.36 Jun 2019 Jun 2020 Jun-2019 Jun-2020 Deposits Coverage Capital Adequ
Slide 5: Digital Landscape
Digital Landscape E-Commerce # of Transactions in 000 Volume – PKR Mlns 1,761 3,100 1,737 718 Jun-2019 Jun-2020 Jun-2019 Jun-2020 IBFT # of Transactions in 000 Volume – PKR Mlns 16,470 448 14,060 323 340 10,640 274 8,800 6,500 123 4,630 77 Jun-2019 Jun-2020 Jun-2019 Jun-2020 Mobile Banking ATM Inter
Slide 6: Domestic Deposits - Growth
Domestic Deposits - Growth Domestic Deposits – Bln PKR Domestic Current Deposits – Bln PKR 427 372 381 383 384 391 427 383 384 391 381 372 560 567 603 617 634 659 79 81 95 96 92 74 Q1-2019 Q2-2019 Q3-2019 Q4-2019 Q1-2020 Q2-2020 Q1-2019 Q2-2019 Q3-2019 Q4-2019 Q1-2020 Q2-2020 Fixed Savings Current D
Slide 7: Financial Performance
Financial Performance June 30, 2020
Slide 8: Statement of Financial Position
Statement of Financial Position Rs. in Million Unconsolidated Consolidated Jun 2020 Dec 2019 YTD % Jun 2020 Dec 2019 YTD % Assets 1,667,604 1,515,152 152,452 10.1% 1,781,057 1,612,215 168,842 10.5% Advances - net 460,611 496,679 (36,068) -7.3% 530,556 548,473 (17,917) -3.3% Investments 928,708 748,7
Slide 9: Non Performing Loans (NPLs)
Non Performing Loans (NPLs) Coverage ratio* at 94.02% (YE19: 87.73%), NPLs ratio stands at 9.91% (YE19: 9.15%) Rs. in Million Jun 20 Mar 20 Dec 19 Sep 19 Jun 19 Total NPLs 50,364 49,935 49,424 51,506 48,150 QoQ 429 511 (2,081) 3,355 (1,187) QoQ % variance 1% 1% -4% 7% -2% Substandard 1,161 622 616 2
Slide 10: Investments
Investments Increase of Rs. 31B in Market Treasury Bills & Rs. 121B in Pakistan Investment Bonds Rs. in Million Jun 2020 Dec 2019 Var. % var. June 2019 Var. % var. Treasury Bills 433,066 401,814 31,253 8% 611,595 (178,529) -29% Pakistan Investment Bonds 413,475 292,723 120,752 41% 140,908 272,567 19
Slide 11: Deposits
Deposits Rs. in Million Q2 20 Q1 20 Q4 19 Q3 19 Q2 19 Volume Mix Volume Mix Volume Mix Volume Mix Volume Mix Deposits - Volume 1,274,682 1,184,139 1,144,763 1,145,140 1,148,631 Current deposits 497,714 39% 433,967 37% 424,552 37% 416,922 36% 437,496 38% Savings deposits 702,586 55% 656,484 55% 610,5
Slide 12: Profit and Loss Statement
Profit and Loss Statement Rs. in Million Unconsolidated Consolidated Jun 2020 Jun 2019 +/- % Jun 2020 Jun 2019 +/- % Mark-up Income 75,212 59,133 16,079 27.2% 80,409 63,418 16,990 26.8% Mark-up Expense 39,199 31,333 7,866 25.1% 42,156 33,839 8,317 24.6% Net Mark-up Income 36,013 27,800 8,213 29.5% 3
Slide 13: Key Performance Ratios
Key Performance Ratios Coverage Non- EPS Infection Coverage (incl. benefit BV ROA ROE CAR ADR markup/Total (annualized) ratio ratio* of liquid Rev sec)** Jun 2020 122.93 1.66% 18.16% 22.29 20.51% 39.85% 9.91% 94.02% 93.84% 16.44% Dec 2019 122.54 1.59% 16.84% 20.23 18.83% 47.17% 9.15% 87.73% 95.04% 2
Slide 14: Awards/ Accolades
Awards/ Accolades “Winner -Best Corporate Report Award 2018 – Banking Sector” Winner – Best Presented Annual Winner” - Best Corporate Report Award 2017 Ranked among the Top 25 Companies Winner” - Best Corporate Report Award 2016 Best bank in Pakistan - 2019 Accounts 2014 in Pakistan 1st Runner Up Be
Slide 15: 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