Skip to content
Smart Money
Create free account Log in

Commercial Banks

MCB MCB Bank Limited

Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026

Watch MCB · free results alerts

Last close · 16 Oct 2026

Rs 372.00 +0.25%

Annual · FY2006 – FY2025

MCB Bank Limited (MCB) balance sheet

At the end of FY2025 (Jan – Dec 2025) MCB Bank Limited had total assets of Rs 3.58 tn, up 18.9% on FY2024. Deposits were Rs 2.53 tn, up 18.7% on FY2024 and net advances Rs 821.7 bn. Investments stood at Rs 2.10 tn. Shareholders' equity was Rs 336.4 bn (Rs 283.88 per share), 9.4% of total assets.

MCB balance sheet (annual) (Rs bn)
Rs bn FY2025 * Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 * Jan – Dec 2022 FY2021 * Jan – Dec 2021
Assets
Cash & balances with banks 253.1 245.1 250.1 148.2 219.1
Lendings to financial institutions 99.0 57.1 68.2 29.9 25.7
Investments 2,099.0 1,264.5 1,370.9 1,041.6 1,065.7
Advances (net) 821.7 1,120.4 646.5 831.5 664.1
Fixed assets 114.1 96.5 88.7 85.0 62.4
Intangible assets 3.5 2.7 1.9 1.7 1.8
Other assets 188.3 86.5 77.0 55.0 35.1
Total assets 3,578.7 3,009.7 2,680.1 2,274.3 2,122.1
Liabilities
Deposits 2,529.5 2,130.5 2,009.8 1,532.7 1,534.6
Borrowings 522.8 386.3 274.4 409.5 319.4
Total liabilities 3,241.6 2,722.5 2,438.3 2,079.9 1,944.6
Equity
Share capital 11.9 11.9 11.9 11.9 11.9
Equity attributable to shareholders 336.4 286.7 241.4 193.7 176.8
Total equity 337.2 287.2 241.8 194.5 177.6
Total liabilities & equity 3,578.7 3,009.7 2,680.1 2,274.3 2,122.1
Key figures
Gross advances — 1,176.9 692.4 876.3 710.2
Provision against advances — 56.4 45.9 44.8 46.1
Advances to deposits (ADR) 0.32× 0.53× 0.32× 0.54× 0.43×
Shares outstanding mn 1,185.1 1,185.1 1,185.1 1,185.1 1,185.1
Common equity 336.4 286.7 241.4 193.7 176.8
Book value per share (Rs) Rs 283.88 241.97 203.71 163.49 149.21
MCB balance sheet — year-on-year change (Rs mn)
Rs mn FY2025 * Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 * Jan – Dec 2022 FY2021 * Jan – Dec 2021
Assets
Cash & balances with banks +3.3% -2.0% +68.7% -32.3% +22.5%
Lendings to financial institutions +73.5% -16.3% +128.1% +16.3% +133.8%
Investments +66.0% -7.8% +31.6% -2.3% +2.2%
Advances (net) -26.7% +73.3% -22.2% +25.2% +25.7%
Fixed assets +18.3% +8.7% +4.4% +36.4% -2.1%
Intangible assets +30.3% +42.6% +10.5% -8.5% -1.6%
Other assets +117.6% +12.4% +40.0% +56.8% +13.6%
Total assets +18.9% +12.3% +17.8% +7.2% +12.2%
Liabilities
Deposits +18.7% +6.0% +31.1% -0.1% +10.5%
Borrowings +35.3% +40.8% -33.0% +28.2% +43.7%
Total liabilities +19.1% +11.7% +17.2% +7.0% +14.5%
Equity
Share capital 0.0% 0.0% 0.0% 0.0% 0.0%
Equity attributable to shareholders +17.3% +18.8% +24.6% +9.6% -8.0%
Total equity +17.4% +18.8% +24.3% +9.5% -8.0%
Total liabilities & equity +18.9% +12.3% +17.8% +7.2% +12.2%
Key figures
Gross advances — +70.0% -21.0% +23.4% +22.6%
Provision against advances — +23.1% +2.4% -2.8% -9.1%
Advances to deposits (ADR) — — — — —
Shares outstanding — — — — —
Common equity +17.3% +18.8% +24.6% +9.6% -8.0%
Book value per share (Rs) +17.3% +18.8% +24.6% +9.6% -8.0%

Change against the previous fiscal year; shown when the earlier figure is positive.

MCB balance sheet — common size (Rs mn)
Rs mn FY2025 * Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 * Jan – Dec 2022 FY2021 * Jan – Dec 2021
Assets
Cash & balances with banks 7.1% 8.1% 9.3% 6.5% 10.3%
Lendings to financial institutions 2.8% 1.9% 2.5% 1.3% 1.2%
Investments 58.7% 42.0% 51.2% 45.8% 50.2%
Advances (net) 23.0% 37.2% 24.1% 36.6% 31.3%
Fixed assets 3.2% 3.2% 3.3% 3.7% 2.9%
Intangible assets 0.1% 0.1% 0.1% 0.1% 0.1%
Other assets 5.3% 2.9% 2.9% 2.4% 1.7%
Total assets 100.0% 100.0% 100.0% 100.0% 100.0%
Liabilities
Deposits 70.7% 70.8% 75.0% 67.4% 72.3%
Borrowings 14.6% 12.8% 10.2% 18.0% 15.1%
Total liabilities 90.6% 90.5% 91.0% 91.4% 91.6%
Equity
Share capital 0.3% 0.4% 0.4% 0.5% 0.6%
Equity attributable to shareholders 9.4% 9.5% 9.0% 8.5% 8.3%
Total equity 9.4% 9.5% 9.0% 8.6% 8.4%
Total liabilities & equity 100.0% 100.0% 100.0% 100.0% 100.0%
Key figures
Gross advances — 39.1% 25.8% 38.5% 33.5%
Provision against advances — 1.9% 1.7% 2.0% 2.2%
Common equity 9.4% 9.5% 9.0% 8.5% 8.3%

Each line as a percentage of total assets.

Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.

All reported line items 192
MCB balance sheet — all reported line items (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Cash & Short-Term Deposits Due from Banks - Total 253.1 245.1 250.1 148.2 219.1
Cash & Short-Term Deposits Due from Banks 41.8 105.3 106.2 79.4 75.1
Funds with Central Banks 211.2 139.7 143.8 68.9 144.0
Lending & Long-Term Deposits Due from Banks 99.0 57.1 68.2 29.9 25.7
Inter-Bank Loans & Long-Term Deposits with Other Banks 99.0 1.4 2.5 6.2 1.7
Money Market Placements — 55.7 65.7 23.7 24.1
Collateralized Agreements, Reverse REPOs & Securities Borrowed - Assets — 0.0 21.5 26.7 14.9
Loans & Receivables - Total 821.7 1,195.7 794.0 880.8 692.1
Income Tax - Receivables — 0.1 0.1 0.1 0.1
Securities Purchased under REPOs & Federal Funds Sold — 0.0 21.5 26.7 14.9
Receivables - Other — 13.9 75.2 2.8 3.2
Securities Purchased under REPOs — 0.0 21.5 26.7 14.9
Investment Securities - Available for Sale, Held to Maturity & Held for Trading - Total — 1,246.5 1,367.2 1,037.9 1,061.9
Banking Related Loans – Net 821.7 1,120.4 646.5 831.5 664.1
Loans - Gross — 1,176.9 692.4 876.3 710.2
Loans - Consumer & Installment — 1,070.7 603.7 786.9 615.0
Loans - Finance Lease & HP — — — — —
Investment Property — 1.4 1.6 2.0 2.2
Loans - to Customers - Other - Gross — 106.2 88.7 89.4 95.2
Investments - Other - Total — 16.6 2.1 1.7 1.6
Investments - Total 2,099.0 1,264.5 1,370.9 1,041.6 1,065.7
Reserves for Loan Losses — 56.4 45.9 44.8 46.1
Investment Securities - Held for Trading — 15.3 5.2 3.5 5.9
Interest Receivables - Bank — 61.2 72.1 46.4 24.6
Investment Securities Available for Sale & Held to Maturity — 1,231.2 1,362.0 1,034.4 1,056.0
Property, Plant & Equipment - Net - Total 114.1 96.5 88.7 85.0 62.4
Property, Plant & Equipment - Gross - Total — 119.5 108.2 102.1 79.5
Property, Plant & Equipment - Accumulated Depreciation & Impairment - Total — 23.0 19.4 17.1 17.1
Investment Securities - Available for Sale - Total — 1,189.3 1,302.9 994.3 1,031.6
Government Securities - Available for Sale/Held to Maturity — 1,172.2 1,279.3 1,001.0 1,014.9
Other Assets - Total 188.3 86.5 77.0 55.0 35.1
Investments in Associates, Joint Ventures and Unconsolidated Subsidiaries — 61.8 7.8 5.4 5.3
Deferred Tax - Asset - Long-Term & Short-Term — — 0.0 5.4 0.0
Prepaid Expenses - Total — 10.0 5.4 4.6 2.3
Other Assets — 76.5 71.5 45.0 32.8
Intangible Assets - Total - Net 3.5 2.7 1.9 1.7 1.8
Intangible Assets - excluding Goodwill - Net - Total — 2.6 1.8 1.6 1.8
Intangible Assets - Gross - Total — — — — —
Intangible Assets - excluding Goodwill - Gross — 9.1 7.5 6.7 6.3
Goodwill/Cost in Excess of Assets Purchased - Net — 0.1 0.1 0.1 0.1
Intangible Assets - Accumulated Amortization & Impairment - Total — — — — —
Intangible Assets - excluding Goodwill - Accumulated Amortization & Impairment - Total — 6.5 5.8 5.1 4.6
Computer Software - Intangible Assets - Net — 1.3 1.0 1.1 1.1
Intangible Assets - Other - Net — 1.1 0.6 0.3 0.5
Goodwill/Cost in Excess of Assets Purchased - Gross — — — — —
Computer Software - Intangible Assets - Gross — 7.8 6.7 6.3 5.7
Intangible Assets - Other - Gross - Total — 1.1 0.6 0.3 0.5
Goodwill - Accumulated Amortization & Impairment — — — — —
Computer Software - Intangible Assets - Accumulated Amortization & Impairment — 6.5 5.8 5.1 4.6
Total Assets 3,578.7 3,009.7 2,680.1 2,274.3 2,122.1
Deposits - Total 2,529.5 2,130.5 2,009.8 1,532.7 1,534.6
Debt - Total 522.8 386.3 274.4 409.5 319.4
Short-Term Debt & Current Portion of Long-Term Debt 31.1 340.8 213.3 371.2 253.2
Deposits - Customers - Total — 2,060.6 1,937.6 1,487.3 1,502.1
Deposits - Demand -Customer — 945.7 855.3 663.0 560.8
Deposits - Savings - Customer — 1,071.6 1,025.2 779.9 907.6
Deposits - Other - Customer — 43.4 57.1 44.4 33.7
Deposits - Due to Banks & Financial Institutions — 69.9 72.2 45.4 32.5
Deposits - Demand Deposits - Due to Banks & Financial Institutions — 20.0 21.5 20.8 10.8
Deposits - Savings - Due to Banks & Financial Institutions — 49.9 50.6 22.6 21.3
Deposits - Other - Due to Banks & Financial Institutions — 0.1 0.1 1.9 0.4
Current Portion of Long-Term Debt including Capitalized Leases — 108.2 77.7 99.8 105.3
Trading Liabilities — 1.2 1.3 1.8 4.7
Capitalized Leases - Current Portion — 1.8 1.5 1.3 —
Short-Term Debt & Notes Payable 31.1 232.6 135.7 271.4 147.9
Debt - Long-Term - Total 491.7 45.5 61.0 38.3 66.3
Short-Term Banking Borrowings excluding Collateralized Financing 31.1 53.4 29.3 43.7 30.9
Collateralized Financing Agreements, REPO Financing Loans - Liabilities — 179.2 106.4 227.7 116.9
Securities Sold under Repurchase Agreements & Federal Funds Purchased — 179.2 106.4 227.7 116.9
Securities Sold under Repurchase Agreements — 179.2 106.4 227.7 116.9
Current Portion of Long-Term Debt excluding Capitalized Leases — 106.3 76.2 98.4 105.3
Capitalized Lease Obligations - Long-Term 15.5 10.9 9.9 9.2 10.1
Long-Term Debt excluding Capitalized Leases 476.2 34.7 51.1 29.1 56.2
Debt - Non-Convertible - Long-Term 476.2 34.7 51.1 29.1 56.2
Dividends Payable — 2.8 2.4 2.7 2.0
Deferred Tax & Investment Tax Credits - Long-Term 49.3 20.8 3.6 0.0 1.6
Deferred Tax - Liability - Long-Term 49.3 20.8 3.6 0.0 1.6
Payables & Accrued Expenses — 69.5 31.0 54.2 23.1
Accrued Expenses — 28.1 23.3 19.2 16.8
Junior Subordinated Debentures & Notes Payable - Trust Account 0.0 0.0 0.0 0.0 0.0
Other Liabilities - Total 139.9 95.4 82.8 58.0 45.4
Licenses, Franchises, Copyrights, Property Rights, Prototypes, Contract Based, Models & Designs - Net — 0.2 0.2 0.2 0.2
Other Liabilities - 139.9 87.5 77.1 53.0 41.2
Interest Payable — 41.4 7.6 35.0 6.3
Provisions — 5.1 3.6 3.6 3.3
Post Employment Benefits - Pension & Other — 3.6 3.5 3.6 3.3
Licenses, Franchises, Copyrights, Property Rights, Prototypes, Contract Based, Models & Designs - Gross — 0.2 0.2 0.2 0.2
Deferred Revenue/Income — 2.8 2.1 1.3 0.9
Provisions - Other than Pension & Post Retirement — 1.5 0.1 0.0 0.0
Insurance Liabilities — 0.0 0.6 0.8 0.7
Licenses, Franchises, Copy/Property Rights, Prototypes, Contract Based, Models & Designs - Accumulated Amortization & Impairment — — — — —
Total Liabilities 3,241.6 2,722.5 2,438.3 2,079.9 1,944.6
Shareholders' Equity - Attributable to Parent Shareholders - Total 336.4 286.7 241.4 193.7 176.8
Common Equity Attributable to Parent Shareholders 336.4 286.7 241.4 193.7 176.8
Common Equity - Contributed 11.9 35.8 35.8 35.8 35.8
Common Stock - Issued & Paid 11.9 11.9 11.9 11.9 11.9
Equity - Non-Contributed - Reserves & Retained Earnings 324.6 250.9 205.6 157.9 141.0
Retained Earnings - Total 249.7 176.8 151.9 115.0 103.3
Comprehensive Income - Accumulated - Total 74.8 55.6 35.1 24.3 19.1
Investments - Unrealized Gain/Loss — (14.8) (11.0) (19.0) (10.9)
Foreign Currency Translation Adjustment - Accumulated — 9.8 9.3 4.8 3.8
Other Reserves/Equity - Total — 18.6 18.6 18.6 18.6
Common Equity - Total 336.4 286.7 241.4 193.7 176.8
Common Stock - Additional Paid in Capital including Option Reserve — 24.0 24.0 24.0 24.0
Minority Interest - Equity 0.8 0.5 0.3 0.7 0.8
Total Shareholders' Equity - including Minority Interest & Hybrid Debt 337.2 287.2 241.8 194.5 177.6
Total Liabilities & Equity 3,578.7 3,009.7 2,680.1 2,274.3 2,122.1
Revaluation Reserves 74.8 60.6 36.8 38.5 26.2
Common Shares - Issued - Total mn 1,185.1 1,185.1 1,185.1 1,185.1 1,185.1
Common Shares - Outstanding - Total mn 1,185.1 1,185.1 1,185.1 1,185.1 1,185.1
Common Shares - Treasury - Total mn 0.0 0.0 0.0 0.0 0.0
Common Shares - Authorized - Issue Specific mn 1,500.0 1,500.0 1,500.0 1,500.0 1,500.0
Common Shares - Issued - Issue Specific mn 1,185.1 1,185.1 1,185.1 1,185.1 1,185.1
Common Shares - Outstanding - Issue Specific mn 1,185.1 1,185.1 1,185.1 1,185.1 1,185.1
Common Shares - Treasury - Issue Specific mn 0.0 0.0 0.0 0.0 0.0
Asset Allocation Factor - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Right of Use Tangible Assets - Total - Net - Supplemental 10.4 8.5 8.0 7.8 8.0
Right of Use Tangible Assets - Capital/Finance Lease - Net - Supplemental 10.4 8.5 8.0 7.8 8.0
Right of Use Tangible Assets - Total - Gross - Supplemental — — — — —
Right of Use Tangible Assets - Capital/Finance Lease - Gross - Supplemental — — — — —
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Net - Supplemental 103.7 88.0 80.7 77.2 54.4
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Gross - Supplemental — 114.3 103.0 96.9 75.7
Finance and Operating Lease Liabilities - Total - Supplemental 15.5 12.7 11.4 10.6 10.1
Debt including Finance and Operating Lease Liabilities - Supplemental 522.8 386.3 274.4 409.5 319.4
Net Debt 269.8 141.3 24.3 261.2 100.3
Islamic Financing Assets - Total — 102.9 87.4 88.8 95.0
Islamic Investments - Total — 16.4 1.9 1.5 1.3
Islamic Debt - Long-Term & Short-Term — — 6.8 4.0 7.4
Islamic Debt & Deposits - Total — — 6.8 4.0 7.4
Debt - Long-Term - Maturities - Total — 320.2 127.3 123.5 154.2
Debt - Long-Term - Maturities - within 1 Year — 285.6 76.2 68.8 105.3
Debt - Long-Term - Maturities - Year 2 — 4.7 7.3 4.9 6.1
Debt - Long-Term - Maturities - Year 3 — 3.8 4.3 3.9 2.9
Debt - Long-Term - Maturities - Year 5 — 6.3 8.7 7.5 5.7
Debt - Long-Term - Maturities - Year 10 — 19.8 — — —
Debt - Long-Term - Maturities - Remaining — 0.1 30.8 38.4 34.2
Debt - Long-Term - Maturities - 2-3 Years — 8.5 11.6 8.8 9.0
Capital Lease Maturities - Total — 12.7 11.4 10.6 —
Debt - Long-Term - Maturities - 4-5 Years — 6.3 8.7 7.5 5.7
Capital Lease Maturities - Due within 1 Year — 1.8 1.5 1.3 —
Debt - Long-Term - Maturities - Year 6 & Beyond — 19.9 30.8 38.4 34.2
Capital Lease Maturities - Due in Year 3 — 1.6 1.4 1.2 —
Capital Lease Maturities - Due in Year 2 — 1.7 1.7 1.7 —
Capital Lease Maturities - Due in Year 5 — 2.8 2.3 2.1 —
Capital Lease Maturities - Due in Year 10 — 3.7 — — —
Capital Lease Maturities - Remaining Maturities — 1.0 4.7 4.1 —
Capital Lease Maturities - Due in 4-5 Years — 2.8 2.3 2.1 —
Capital Lease Maturities - Due in 2-3 Years — 3.3 3.0 3.0 —
Capital Lease Maturities - Due in Year 6 & Beyond — 4.7 4.7 4.1 —
Minority Interest - Total 0.8 0.5 0.3 0.7 0.8
Asset Accruals — (47.4) (46.2) (41.2) (31.6)
Cash & Cash Equivalents - Total 253.1 245.1 250.1 148.2 219.1
Cash & Securities 2,352.1 1,509.5 1,642.5 1,216.5 1,299.7
Cash & Short Term Investments - Total 253.1 245.1 250.1 148.2 219.1
Debt - including Preferred Equity & Minority Interest - Total 523.6 386.8 274.7 410.2 320.2
Earning Assets 3,272.8 2,687.0 2,357.3 2,077.9 1,989.6
Demand Deposits - Total — 965.6 876.8 683.8 571.6
Invested Assets - Total 2,099.0 1,264.5 1,370.9 1,041.6 1,065.7
Right of Use Tangible Assets - Total - Accumulated Depreciation - Supplemental — — — — —
Investment Securities — 1,246.5 1,367.2 1,037.9 1,061.9
Investments - Permanent — 61.8 7.8 5.4 5.3
Net Book Capital 606.9 428.5 266.0 455.7 277.9
Right of Use Tangible Assets - Capital/Finance Lease - Accumulated Depreciation - Supplemental — — — — —
Net Operating Assets 606.9 428.5 266.0 455.7 277.9
Provisions - Total 49.3 25.9 7.2 3.6 4.9
Shareholders Equity - Common 336.4 286.7 241.4 193.7 176.8
Savings Deposits - Total — 1,121.4 1,075.8 802.5 928.9
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Accumulated Depreciation - Supplemental — — — — —
Tangible Total Equity 333.7 284.6 239.9 192.8 175.7
Tangible Book Value 333.0 284.1 239.6 192.1 175.0
Total Book Capital 859.2 673.1 515.8 603.2 496.3
Total Capital 860.0 673.6 516.1 603.9 497.0
Total Long Term Capital 337.2 287.2 241.8 194.5 177.6
Trading Account — 16.5 6.4 5.3 10.6
Unearned Revenue - Total — 2.8 2.1 1.3 0.9
Book Value excluding Other Equity 336.4 268.1 222.8 175.1 158.2
Income Taxes - Payable - Long-Term & Short-Term — 15.9 32.5 20.1 13.0
Cash & Short Term Investments - Net of Debt (269.8) (141.3) (24.3) (261.2) (100.3)
Current Portion of Long-Term Debt including Capitalized Leases & Hybrid Financial Instruments — 108.2 77.7 99.8 105.3
Interest Bearing Liabilities - Total 3,052.3 2,516.8 2,284.2 1,942.1 1,854.0
Net Debt Including Preferred Equity & Minority Interest 270.5 141.8 24.6 261.9 101.1
Other Short-Term & Long-Term Assets - Total 188.3 86.5 77.0 55.0 35.1
Other Short-Term & Long-Term Liabilities - Total 139.9 87.5 77.1 53.0 41.2
Tangible Book Value excluding Other Equity 333.0 265.5 221.0 173.5 156.4
Total Debt Excluding Islamic 522.8 386.3 267.6 405.5 312.1
Reserves for Loan Losses - Total — 57.0 45.9 44.8 46.1
Total Available Funds 2,866.7 2,417.8 2,251.6 1,727.2 1,712.2
Loans - Gross – Total 821.7 1,234.5 760.6 906.2 735.9
Deposits - Net 2,529.5 2,060.6 1,937.6 1,487.3 1,502.1
Loans - Net - Total 920.8 1,177.5 714.8 861.4 689.9
Tangible Book Value & Reserves for Loan Losses - Total — 341.1 285.4 236.8 221.0
Cash in Hand & with Banks - Total — 47.4 46.2 41.2 31.6

Every line the company reported, in the original order and wording, without regrouping or signs changed.