Slide 1: MCB Bank Limited Investors Briefing
MCB Bank Limited Investors Briefing Financial Performance Analysis For the Nine Months ended September 30, 2015 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 5% in Equity Unconsolidated Consolidated Sep-2015 2014 YTD % Sep-2015 2014 YTD % Assets 1,036,083 934,631 101,451 11% 1,037,445 941,606 95,838 10.2% Advances - net 307,557 303,559 3,998 1.3% 307,754 304,001 3,753 1.2% Investment
Slide 4: Non Performing Loans (NPLs)
MCB Bank Limited Non Performing Loans (NPLs) Rs. In mln Coverage ratio* at 85.16% (YE14: 85.62%), NPLs ratio improved to 6.40% (YE14: 6.80 %) YTD (Sep 15 vs. Dec 14) Sep 15 June 15 Mar 15 Dec 14 Sep 14 Var. % Total NPLs (1,094) -5% Total NPLs 20,814 21,201 21,684 21,908 21,925 Substandard 20 9% Doub
Slide 5: Investments
MCB Bank Limited Investments Increase of Rs. 129.27B in Market Treasury Bills & decrease of Rs. 46.78B in Pakistan Investment Bonds . Rs. In mln Composition of Investments Sep 2015 Dec 2014 Var. % var. Sep 2015 Dec 2014 Treasury Bills 270,804 141,538 129,266 91% T-Bills 45.60% 29% Pakistan Investmen
Slide 6: Deposits
MCB Bank Limited Rs. In mln YTD increase/decrease YTD Deposits Current deposits 10% CASA reported at all time high of 93%, Increase recorded in Current Deposits +10%, Savings deposits 4% Saving Deposits +4% CASA 6% Term Deposits -24% Total Deposits 3% Q3 15 Q2 15 Q1 15 Q4 14 Q3 14 Volume Mix Volume
Slide 7: Profit and Loss Statement
MCB Bank Limited Profit and Loss Statement Rs. In mln Standalone PBT increased by 24% and PAT increased by 12% Unconsolidated Consolidated Sep-2015 Sep-14 +/- % Sep-2015 Sep-14 +/- % Mark-up Income 61,572 56,785 4,786 8% 61,679 56,881 4,798 8.4% Mark-up Expense 24,687 24,771 (84) 0% 24,680 24,780 (1
Slide 8: Non-Markup Income
MCB Bank Limited Non- Markup Income Rs. In mln Budgeted Sep 2015 Sep 2014 Var. % var. Var. % var. Sep 2015 NON MARKUP INCOME 13,478 9,550 3,929 41% 9,579 3,899 41% Fee, Commission & Brokerage 6,323 5,111 1,212 24% 6,005 318 5% Dividend Income 797 679 118 17% 800 (3) 0% Income from dealing in Foreign
Slide 9: 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)** Sep 2015 101.20 2.74% 24.55% 24.22 20.13% 45.67% 6.40% 85.16% 94.08% 26.76% June 2015 99.21 2.68% 24.92% 24.33 19.02% 43.52% 6.36% 84.98% 93.
Slide 10: International Recognition Awards / Accolades
International Recognition Awards / Accolades “Best Corporate Report Award 2014 – Ranked among the Top 25 1st Runner Up Best Presented Annual Banking Sector” Companies in Pakistan Report Awards 2013 – Category Private Best bank in Pakistan - 2015 “Best Corporate Report Award 2013 – 2011: # 15, 2010:
Slide 11: 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