first quarter results for fy 2016/17 earnings call ... first quarter results for fy 2016/17 –...

First Quarter results for FY 2016/17 – Earnings call presentation

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18 November 2016

Profitability

2

1.11.3

1.4

1.5 1.6

0.0

0.5

1.0

1.5

2.0

3-mths toSep 12

3-mths toSep 13

3-mths toSep 14

3-mths toSep 15

3-mths toSep 16

Rs

bil

lio

n

+3.3%

Operating income

3

100

110

120

130

140

150

160

170

0.0

0.6

1.2

1.8

2.4

3.0

3.6

4.2

3-mths toSep 12

3-mths toSep 13

3-mths toSep 14

3-mths toSep 15

3-mths toSep 16

Ind

ex: 3

-mth

s to

Se

p 1

2=1

00

Rs

bill

ion

Net interest income Non-interest income

Net interest income Growth Index Non-interest income Growth Index

2.6

3.03.1

3.53.7

Net interest income

4

1.81.9 1.9

2.22.3

90

100

110

120

130

140

0.0

0.5

1.0

1.5

2.0

2.5

3-mths toSep 12

3-mths toSep 13

3-mths toSep 14

3-mths toSep 15

3-mths toSep 16

Ind

ex:

3-m

ths

to S

ep 1

2=1

00

Rs

bil

lio

n

Net interest income Growth index

Loans & Deposits

5

80

100

120

140

160

180

Jun 13 Jun 14 Jun 15 Jun 16 Sep 16

Ind

ex:

Jun

13

=10

0

Net loans Growth Index Deposits Growth index

Rs 7.1bn

Rs 0.5 bn

Assets mix

6

Other assets

Investment securities

Cash and cash equivalents (incl. mandatory balances & placements)

Net loans


Other assets

70%

51%

12%

23%

8% 17%

10% 9%

52%

22%

17%

9%

Non-interest income

7 Note: Non-interest income does not include share of profit of associates

Other income

Profit on exchange

Net fee and commission income

Net fee and commission income Growth index

Profit on exchange Growth index

Other income

Profit on exchange




Other income

Profit on exchange




Other income

Profit on exchange




0.9

1.0

1.21.3 1.3

80

100

120

140

160

180

200

0.0

0.3

0.6

0.9

1.2

1.5

1.8

3-mths toSep 12

3-mths toSep 13

3-mths toSep 14

3-mths toSep 15

3-mths toSep 16

Ind

ex:

3-m

ths

to S

ep

12

= 1

00

Rs

bill

ion

Other income


Operating expenses

8

1.21.3 1.4

1.5 1.6

60

80

100

120

140

160

0.0

0.4

0.8

1.2

1.6

2.0

3-mths toSep 12

3-mths toSep 13

3-mths toSep 14

3-mths toSep 15

3-mths toSep 16

Ind

ex:

3-m

ths

to S

ep

12

=10

0

Rs

bill

ion

Operating expenses Growth Index

Cost to income ratio

9

47.5

45.2

43.5 43.2 42.9

35

40

45

50

3-mths toSep 12

3-mths toSep 13

3-mths toSep 14

3-mths toSep 15

3-mths toSep 16

%

Credit impairment charges

10

115

3.19622

* Annualised figure

0.70

1.24

0.65 0.57

0.48

0.0

0.3

0.6

0.9

1.2

1.5

0.0

0.5

1.0

1.5

2.0

2.5


% Rs

bill

ion

Allowance for credit impairment As a % of gross loans (right scale)

0.2

0.8*

1.0 1.1

2.0

1.1

Credit quality

11

`

5.0

7.3

6.2 6.2 6.1

3.0

4.23.6

4.0 3.9

0

2

4

6

8

10


%Credit quality

Gross NPLs to gross loans Net NPLs to net loans

Share of profit of associates

12

Non-Banking Banking

81

124

8794

168

-40

0

40

80

120

160

200

3-mths toSep 12

3-mths toSep 13

3-mths toSep 14

3-mths toSep 15

3-mths toSep 16

Rs

mill

ion

Profit distribution

Sep 16

13

Non-banking financial and other investments Foreign banking subsidiaries & associates

MCB Ltd - Segment B MCB Ltd - Segment A







Sep 15

39%

44%

11%

6%

39%

42%

15%

4%

Rs 1.5 bn 53%

29%

14%

4%

Rs 1.6 bn

Capital adequacy

Note: Capital adequacy figures for Jun 2014, Jun 2015,Jun 2016 & Sep 2016 are based on Basel III; figures prior to Jun 16 have been restated 14

Jun 12 Jun 13 Jun 14 Jun 15 Mar 16

Tier 2 Tier 1 BIS ratio (right-scale) Tier 1 ratio (right-scale)





0

4

8

12

16

20

0

10

20

30

40

50


%

Rs

bill

ion 28

4246

18.3%

46

15.3%

3718.2%

15.4%

Thank you

Website: www.mcbgroup.com Contact details: [email protected]

15

first quarter results for fy 2016/17 earnings call ... first quarter results for fy 2016/17 –...

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