Slide 1: MCB Bank Limited Investors Briefing
MCB Bank Limited Investors Briefing September 30, 2018 Presented by: Hammad Khalid Chief Financial Officer
Slide 2: Group Structure
Group Structure MCB is one of the oldest banks of Pakistan, incorporated in 1947. It was privatized in 1991. To accede to international capital markets, the Bank launched Global Depositary Receipts (GDRs) in 2006. It was the first Pakistani Bank that got its GDRs listed on the London Stock Exchange.
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: Bank for Life: Strategic pillars
Strategic pillars MARKET LEADERSHIP > Amongst top 3 Banks in Pakistan > Maintain first-mover’s advantage in new businesses > Socially Responsible Organization > Strong Brand Recognition PRODUCTS & SERVICES Bank PEOPLE FOCUS > Continuous & sustainable earnings growth > Customer centricity in sales &
Slide 5: One of the largest Commercial Bank in Pakistan
One of the largest Commercial Bank in Pakistan Financial Strength Domestic and International footprint PKR 1,296 bn Domestic Assets 1,356 (US$ 10.4 bn) Branches 11 PKR 1,033 bn Foreign Deposits (Sri Lanka : 8, Bahrain : 1, EPZ : 1, UAE : (US$ 8.3bn) Branches 1) 1 Rep Office in Dubai PKR 531 bn MCB F
Slide 6: Distinguishing Financial Factors
Distinguishing Financial Factors MCB Bank carries the highest CASA base of around 92.46% of its total deposit base; MCB Bank has maintained one of the highest spreads in the industry over the last many years; MCB Bank has one of the highest return on assets of 1.49% as at September 30, 2018;
Slide 7: Statement of Financial Position
Statement of Financial Position Rs. in mln Unconsolidated Consolidated Sep 2018 Dec 2017 YTD % Sep 2018 Dec 2017 YTD % Assets 1,295,976 1,327,311 (31,335) -2.4% 1,372,680 1,373,430 (750) -0.1% Advances - net 487,501 469,356 18,145 3.9% 545,517 500,966 44,551 8.9% Investments 454,190 656,964 (202,773
Slide 8: Non Performing Loans (NPLs)
Non Performing Loans (NPLs) Rs. in mln Coverage ratio* at 93.26% (YE17: 93.74 %), NPLs ratio stands at 8.86% (YE17: 9.47 %) Sep 18 Jun 18 Mar 18 Dec 17 Sep 17 Total NPLs 47,080 47,131 48,377 48,753 49,251 QoQ (51) (1,246) (376) (498) 26,773 QoQ % variance 0% -3% -1% -1% 119% Substandard 904 520 381
Slide 9: Investments
Investments Rs. In mln Decrease of Rs. 108.31B in Market Treasury Bills and decrease of Rs. 88.61B in Pakistan Investment Bonds Sep 2018 Dec 2017 Var. % var. Sep 2017 Var. % var. Treasury Bills 276,054 384,367 (108,314) -28% 416,108 (140,055) -34% Pakistan Investment Bonds 134,228 222,838 (88,610) -
Slide 10: Deposits
Deposits Rs. in mln Q3 18 Q2 18 Q1 18 Q4 17 Q3 17 Volume Mix Volume Mix Volume Mix Volume Mix Volume Mix Deposits - Volume 1,032,649 1,018,740 1,005,027 968,483 962,500 Current deposits 394,167 38% 399,611 39% 395,346 39% 377,083 39% 368,553 38% Savings deposits 560,573 54% 546,769 54% 536,095 53% 5
Slide 11: Profit and Loss Statement
Profit and Loss Statement Rs. In mln Unconsolidated Consolidated Sep 2018 Sep 2017 +/- % Sep 2018 Sep 2017 +/- % Mark-up Income 58,926 55,438 3,488 6.3% 61,534 56,895 4,639 8.2% Mark-up Expense 25,016 23,954 1,062 4.4% 26,401 24,580 1,821 7.4% Net Mark-up Income 33,910 31,484 2,426 7.7% 35,133 32,31
Slide 12: 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 2018 115.24 1.49% 14.28% 16.45 15.52% 51.46% 8.86% 93.26% 97.36% 25.75% Dec 2017 115.18 1.89% 17.65% 19.56 16.44% 53.18% 9.47% 93.74% 97.31% 2
Slide 13: International Recognition Awards / Accolades
International Recognition Awards / Accolades Ranked among the Top 25 Companies in Pakistan Winner – Best Presented Annual “Winner -Best Corporate Report Accounts 2014 Award 2017 – Banking Sector” Best bank in Pakistan - 2016 1st Runner Up Best Presented Winner” - Best Corporate Report Award 2016 Bes
Slide 14: 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