Mcb Bank Limited · PSX:MCB
Mcb Bank — FY2018 Earnings Presentation
22 slides from Mcb Bank's earnings presentation, Dec 31, 2018
Slide 1: MCB Bank Limited Investors Briefing
MCB Bank Limited Investors Briefing December 31, 2018 Presented by: Hammad Khalid Chief Financial Officer
Slide 2: Key Performance Indicators, Awards & Accolades, Financial Performance
1 Key Performance Indicators 2 Awards & Accolades 3 Financial Performance 2
Slide 3: Key Performance Indicators
Key Performance 1 Indicators 3
Slide 4: 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 5: 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 6: Business Strategy
Business Strategy MCB Bank Limited, a name synonymous with quality service and trust, is a recognized brand working on strategic parameters through out the decades in order to register financial performance and sustainable business development. Our broad spectrum of products and services provides a
Slide 7: Strategic Objectives
Strategic Objectives Delivering remarkable returns to stakeholders, sustainable performance, exceeding market and shareholder expectations Providing value added services through operational expansion, geography and upgraded system Building a corporate culture of equality, trust and team spirit
Slide 8: Vision & Mission
Vision & Mission Vision To be the leading financial services provider, partnering with our customers for a more prosperous and secure future. Mission We are a team of committed professionals, providing innovative and efficient financial solutions to create and nurture long-term relationships with ou
Slide 9: One of the largest Commercial Bank in Pakistan
One of the largest Commercial Bank in Pakistan Financial Strength Domestic and International footprint PKR 1,498 bn Domestic Assets 1,376 (US$ 10.8 bn) Branches 11 PKR 1,049 bn Foreign Deposits (Sri Lanka : 8, Bahrain : 1, EPZ : 1, UAE : (US$ 7.6 bn) Branches 1) 1 Rep Office in Dubai PKR 547 bn MCB
Slide 10: Historical Trends
Historical Trends Rs. in Billions 1,498 Deposits CAGR 12% 1,343 1,049 968 1,072 1,004 935 781 816 697 688 767 632 653 545 568 491 509 431 444 368 330 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 547 749 515 657 556 566 368 511 323 322
Slide 11: Awards & Accolades
Awards & 2 Accolades 11
Slide 12: Awards / Accolades in 2018
Awards / Accolades in 2018 Asset Triple A Islamic Finance Awards 2018 Best Islamic Loan Adviser, Pakistan Asset Triple A Infrastructure Awards 2018 Project Finance House of the year, Pakistan Renewable Energy deal of the year - Solar, Pakistan to MCB Bank Limited, MCB Bahrain & MCB Dubai Oil and Gas
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: Financial Performance
Financial 3 Performance 14
Slide 15: MCB Bank Limited Financial Performance
MCB Bank Limited Financial Performance December 31, 2018
Slide 16: Statement of Financial Position
Statement of Financial Position Rs. in mln Unconsolidated Consolidated Dec 2018 Dec 2017 YTD % Dec 2018 Dec 2017 YTD % Assets 1,498,130 1,343,238 154,892 12% 1,585,210 1,389,492 195,718 14% Advances - net 503,581 469,356 34,225 7% 566,792 500,966 65,826 13% Investments 749,369 656,964 92,405 14% 754
Slide 17: Non Performing Loans (NPLs)
Non Performing Loans (NPLs) Coverage ratio* at 88.26% (YE17: 93.74 %), NPLs ratio stands at 8.95% (YE17: 9.47 %) Rs. in mln Dec 18 Sep 18 Jun 18 Mar 18 Dec 17 Total NPLs 48,956 47,080 47,131 48,377 48,753 QoQ 1,876 (51) (1,246) (376) (498) QoQ % variance 4% 0% -3% -1% -1% Substandard 1,528 904 520 3
Slide 18: Investments
Investments Rs. In mln Increase of Rs. 194B in Market Treasury Bills and decrease of Rs. 95B in Pakistan Investment Bonds. Dec 2018 Dec 2017 Var. % var. Sep 2018 Var. % var. Treasury Bills 578,343 384,367 193,975 50% 276,054 302,289 110% Pakistan Investment Bonds 127,914 222,838 (94,924) -43% 134,22
Slide 19: Deposits
Deposits Rs. in mln Q4 18 Q3 18 Q2 18 Q1 18 Q4 17 Volume Mix Volume Mix Volume Mix Volume Mix Volume Mix Deposits - Volume 1,049,038 1,032,649 1,018,740 1,005,027 968,483 Current deposits 401,899 38% 394,167 38% 399,611 39% 395,346 39% 377,083 39% Savings deposits 552,914 53% 560,573 54% 546,769 54%
Slide 20: Profit and Loss Statement
Profit and Loss Statement Rs. In mln Unconsolidated Consolidated Dec 2018 Dec 2017 +/- % Dec 2018 Dec 2017 +/- % Mark-up Income 83,319 74,091 9,228 12% 87,502 76,190 11,313 15% Mark-up Expense 37,305 31,429 5,876 19% 39,496 32,394 7,102 22% Net Mark-up Income 46,014 42,662 3,352 8% 48,006 43,796 4,2
Slide 21: Key Performance Ratios
Key Performance Ratios Coverage Non- Infection Coverage (incl. benefit BV ROA ROE EPS CAR ADR markup/Total ratio ratio* of liquid Rev sec)** Dec 2018 117.74 1.50% 15.48% 18.02 18.13% 52.12% 8.95% 88.26% 94.49% 27.21% Dec 2017 115.18 1.86% 17.65% 19.56 16.44% 53.18% 9.47% 93.74% 97.31% 29.81% Dec 201
Slide 22: 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