Slide 1: Investors Briefing: Annual Performance Analysis, Financial Results 2011
MCB Bank Limited I Investors t Briefing B i fi Annual Performance Analysis Financial Results For the year ended December 31, 2011 Presented by: Hammad Khalid Head Investor Relations MCB Bank Limited, Pakistan
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
Statement of Financial Position Rs. In Mlns Unconsolidated Consolidated YE 11 YE 10 YoY % YE 11 YE 10 Assets 653,233 567,553 85,680 15% 656,325 570,482 Advances - net 225,801 254,552 (28,750) -11% 225,795 254,565 Gross Advances 248,135 274,144 (26,009) -9% 248,128 274,158 Investments 316,652 213,061
Slide 4: Advances
Advances Rs. In Blns YE 11 YE 10 +/- % 9M 11 +/- % Advances (gross) 248 274 -26 -9% 264 -15 -6% Commercial 52 0 52.0 54 4 54.4 -2 4 -2.4 -4% 44 7 44.7 74 7.4 17% Corporate 156.2 177.7 -21.5 -12% 178.9 -22.7 -13% Consumer 12.2 16.0 -3.8 -24% 13.0 -0.8 -6% Business Sarmaya 3.7 5.6 -1.8 -33% 4.1 -0.4 -
Slide 5: Non-Performing Loans
Non‐Performing Loans Rs. In Mlns Dec 11 Sep 11 June 11 Mar 11 Dec 10 Category of NPLs Total NPLs 26,665 26,463 25,422 24,894 24,544 30,000 Substandard YTD ‐ change 9% 8% 4% 1% 6% 24,328 23,838 Doubtful 25,000 20,805 L Loss QoQ 202 1,041 528 350 656 20,000 QoQ % variance 1% 4% 2% 1% 3% 15,000 OAEM ‐
Slide 6: Investments
Investments Rs. In Mlns YE 11 YE 10 +/- % 9M 11 +/- % Treasury Bills 258,891 189,111 69,780 37% 275,468 (16,577) -6% Pakistan Investment Bonds 35,798 6,936 28,862 416% 11,436 24,362 213% TFCs, Debentures, Bonds and PTCs 4,025 5,772 (1,747) -30% 5,962 (1,936) -32% Other Government Securities 1,543 1,
Slide 7: Deposits
Deposits Rs. In Mlns YE 11 9M 11 1H 11 Q1 11 YE 10 9M 10 1H 10 Q1 10 Volume Mix Volume Mix Volume Mix Volume Mix Volume Mix Volume Mix Volume Mix Volume Mix Deposits 491,189 482,938 496,206 462,301 431,372 422,272 419,270 391,565 Current deposits 167,446 34% 169,167 35% 181,364 37% 163,911 35% 151,1
Slide 8: Profit and Loss Statement
Profit and Loss Statement Rs. In Mlns Unconsolidated Consolidated YE 11 YE 10 +/- % YE 11 YE 10 +/- % p Income Mark-up 68,147 54,821 13,325 24% 68,216 54,829 13,387 24% Mark-up Expense 23,620 17,988 5,633 31% 23,633 18,027 5,605 31% Net Mark-up Income 44,526 36,834 7,693 21% 44,583 36,802 7,781 21%
Slide 9: Net Interest Income
Net Interest Income Rs. In Mlns YE 11 YE 10 +/- % MARK UP EARNED MARK-UP 68 147 68,147 54 821 54,821 13 325 13,325 24% On Loans and advances 33,770 32,599 1,171 4% On investments 33,120 20,320 12,799 63% On deposits with financial institutions 12 16 (4) -27% On securities purchased under resale agre
Slide 10: Non-Markup Income
Non‐Markup Income Rs. In Mlns YE 11 YE 10 +/- % Total Non-Interest Income 8,112 6,265 1,847 29% Fee, Commission & Brokerage 4,921 4,130 792 19% Dividend Income 1,003 544 459 84% Income from dealing in Foreign Currencies 921 632 289 46% Capital Gains 736 412 324 79% Other Income 531 548 (17) -3% 3% Y
Slide 11: Key Financial Ratios
Key Financial Ratios BV ROA ROE EPS CAR P/BV P/EPS E/A Scrip price YE 11 94.37 3.18% 26.23% 23.23 21.79% 1.43 5.79 12.08 134.60 9M 11 92.68 3.30% 28.21% 24.74 23.15% 1.87 7.00 11.31 173.27 HY 11 89.71 3.53% 29.32% 25.28 22.26% 2.22 7.88 11.91 199.30 Q1 11 86.02 3.43% 28.48% 24.03 22.21% 2.41 8.64 11
Slide 12: Awards and Recognitions
Awards and Recognitions Ranked 606, 3rd highest among the local Top 5 “Most Stable Bank in Pakistan The Best Domestic Bank in Pakistan Ranked among the Top 25 largest companies in Pakistan Awards and Recognition “Best Corporate Report Award 2009” “Series of Awards Won” Certificate of Merit for 2009
Slide 13: Thankyou
Thankyou 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