Mcb Bank Limited · PSX:MCB
Mcb Bank — Q1 2022 Earnings Presentation
16 slides from Mcb Bank's earnings presentation, Mar 31, 2022
Slide 1: MCB Bank Limited Financial Highlights March 31, 2022
MCB Bank Limited Financial Highlights March 31, 2022 Presented by: Hammad Khalid Chief Financial Officer
Slide 2: MCB Overview
MCB Overview Branches Global Presence Customers ATMs 9 International branches Over 8.2 million Over 1450 ATMs all 1426 Domestic Branches in 3 countries customer accounts across Pakistan across Pakistan (EPZ:1) Market Share - Deposits Market Share - Advances Market Share – Home Remittance Market Shar
Slide 3: MCB Overview
MCB Overview 1. One touch Banking solution 2. Financial Management easier than ever 3. Frictionless and Reliable online transactions No. of Customers No. of Transactions Volume of Transactions 338,219 2,641,895 96,088 Million
Slide 4: Standalone Financial Summary March 2022
Standalone Financial Summary March 2022
Slide 5: Statement of Financial Position
Statement of Financial Position Increase of 6% in Assets base Rs. In mln Mar 2022 Dec 2021 Var. % var. Mar 2021 Var. % var. Investments: ASSETS 2,095,331 1,970,468 124,862 6.34% 1,776,962 318,369 18% T-Bills : +92B Advances - net 585,486 589,711 (4,225) -0.72% 429,357 156,129 36% PIBs : +56B - Gross
Slide 6: Non Performing Loans (NPLs)
Non Performing Loans (NPLs) Coverage ratio* at 87.91% (YE21: 90.83 %), NPLs ratio stands at 8.14% (YE21: 7.94 %) Rs. in mln Domestic NPLs Ratio at 6.70% (YE21: 6.77 %), Industry NPL ratio YE21 : 7.89%(YE20 : 9.19% ) YTD (Mar 22 vs. Dec 21) Mar 22 Dec 21 Sep 21 Jun 21 Mar 21 Var. % Total NPLs 853 2%
Slide 7: Investments
Investments Investments Pakistan Investment Bonds increased by Rs. 258B and Market Treasury Bills decreased by Rs. 87B. Market Treasury Bills increased by Rs. 92B and Pakistan Investment Bonds increased by Rs. 56B. Rs. In mln Mar 2022 Dec 2021 Var. % var. Mar 2021 Var. % var. Treasury Bills 418,006
Slide 8: Deposits
Deposits Rs. in mln CASA reported at 92.87%, Current Deposits +14% , Term Deposits +7% YTD increase/decrease YTD Current deposits 14% 76,882 Savings deposits 0% (3,614) CASA 6% 73,267 Term Deposits 7% 6,566 Total Deposits 6% 79,834 Q1 22 Q4 21 Q3 21 Q2 21 Q1 21 Volume Mix Volume Mix Volume Mix Volum
Slide 9: Strong growth in Current deposits
Strong growth in Current deposits Current Account Growth Total Deposits 640 563 489 1,412 1,492 425 1,290 402 1,145 377 968 1,049 298 781 Dec-16 Dec-17 Dec-18 Dec-19 Dec-20 Dec-21 Mar-22 Dec-16 Dec-17 Dec-18 Dec-19 Dec-20 Dec-21 Mar-22 Deposit Mix - March 2022 Deposit Mix - 2021 7% 7% 40% 43% 50% 53
Slide 10: Profit and Loss Statement
Profit and Loss Statement PBT of Rs. 14.93B (+32.4%) and PAT of Rs. 8.91B (+31.3%) Rs. in mln Mar 2022 Mar 2021 Var. % var. Markup Income: On Advances: +4.82B Mark-up Income 39,717 28,347 11,369 40% On Investments: +6.25B Mark-up Expense 21,605 13,107 8,498 65% Net Mark-up Income 18,112 15,240 2,872
Slide 11: Consolidated Results March 2022
Consolidated Results March 2022
Slide 12: Statement of Financial Position
Statement of Financial Position Rs. in Million Consolidated Mar 2022 Dec 2021 YTD % Assets 2,245,301 2,122,121 123,180 5.8% Advances - net 683,349 686,389 (3,040) -0.4% Investments 1,203,591 1,062,569 141,022 13.3% Cash and Balances with Banks & Lending to Financial 223,007 239,094 (16,087) -6.7% In
Slide 13: Profit and Loss Statement
Profit and Loss Statement Rs. in Million Consolidated Mar 2022 Mar 2021 +/- % Mark-up Income 42,689 30,601 12,087 39.5% Mark-up Expense 23,331 14,303 9,028 63.1% Net Mark-up Income 19,358 16,298 3,060 18.8% Non Interest Income 5,876 4,975 901 18.1% Total Income 25,233 21,273 3,961 18.6% Non Mark-up
Slide 14: Awards & Accolades
Awards & Accolades
Slide 15: Awards/ Accolades
Awards/ Accolades “Winner – Overall Best Corporate Report Award Joint 1st Runner Up – Best Presented Annual Accounts 2019 – Best bank in Pakistan – 2020 Ranked among the Top 25 Companies in Pakistan 2020” Banking Sector Best bank in Pakistan - 2019 Winner – Best Presented Annual Accounts 2014 “Winne
Slide 16: Thank you!
Thank you! For more information write to us on info@mcb.com.pk. For any investor related query/comments/feedback, please e-mail investor.relations@mcb.com.pk