Last close · 16 Oct 2026
Rs 372.00 +0.25%
Financials
MCB Bank Limited (MCB) financials
20 years of annual results (FY2006 – FY2025), 80 quarters.
MCB Bank Limited (MCB) reported total income of Rs 202.0 bn for FY2025 (Jan – Dec 2025), down 1.0% from FY2024.
Profit attributable to shareholders was Rs 58.4 bn (EPS Rs 49.29), down 7.6%.
It declared a dividend of Rs 36.00 per share for FY2025 and has paid a dividend in each of the last 20 years.
Deposits stood at Rs 2.53 tn and net advances at Rs 821.7 bn, an advances-to-deposits ratio of 32.5%.
Return on equity was 18.7%.
Over the last five years total income grew at a compound 16.6% a year.
At Rs 372.00 (close on 16 Oct 2026) the shares trade at 7.7× earnings (TTM to Jun 2026) and 1.32× book value, with a dividend yield of 9.7%.
Fundamentals
MCB at a glance
Total income · FY2025
Rs 202.0 bn
▼ 1.0% year on year
Profit attributable to shareholders · FY2025
Rs 58.4 bn
▼ 7.6% year on year
EPS – basic (Rs) · FY2025
Rs 49.29
▼ 7.6% year on year
Dividend per share (Rs) · FY2025
Rs 36.00
▲ 0.0% year on year
Deposits · FY2025
Rs 2.53 tn
▲ 18.7% year on year
Return on equity (ROE) · FY2025
18.7%
-5.2 pts year on year
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Total income · FY2025
- Rs 202.0 bn
- Profit attributable · FY2025
- Rs 58.4 bn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 3.58 tn
- Equity · FY2025
- Rs 336.4 bn
Financial highlights
MCB financial results
| Rs bn | FY2025 * Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 * Jan – Dec 2022 | FY2021 * Jan – Dec 2021 |
|---|---|---|---|---|---|
| Net interest income | 165.7 | 170.9 | 167.9 | 98.1 | 70.3 |
| Total non-interest income | 36.4 | 33.2 | 28.8 | 21.2 | 16.6 |
| Total income | 202.0 | 204.1 | 196.8 | 119.2 | 86.9 |
| Operating expenses | (79.8) | (75.6) | (60.0) | (45.4) | (36.1) |
| Provisions & impairment (loans) | (5.1) | 4.8 | 0.3 | (2.1) | (4.7) |
| Profit before tax | 125.1 | 131.2 | 137.5 | 75.3 | 53.3 |
| Profit attributable to shareholders | 58.4 | 63.2 | 65.1 | 34.4 | 31.2 |
| EPS – basic (Rs) Rs | 49.29 | 53.35 | 54.94 | 29.00 | 26.31 |
| Dividend per share (Rs) Rs | 36.00 | 36.00 | 30.00 | 20.00 | 19.00 |
| Advances (net) | 821.7 | 1,120.4 | 646.5 | 831.5 | 664.1 |
| Deposits | 2,529.5 | 2,130.5 | 2,009.8 | 1,532.7 | 1,534.6 |
| Total assets | 3,578.7 | 3,009.7 | 2,680.1 | 2,274.3 | 2,122.1 |
| Equity attributable to shareholders | 336.4 | 286.7 | 241.4 | 193.7 | 176.8 |
| Rs bn | TTM to Jun 2026 | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 * Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Net interest income | 168.5 | 41.5 | 42.6 | 42.8 | 41.6 | 40.6 | 40.6 | 40.4 | 45.7 |
| Total non-interest income | 35.6 | 10.0 | 7.6 | 9.4 | 8.6 | 7.6 | 7.9 | 9.1 | 7.9 |
| Total income | 204.1 | 51.5 | 50.2 | 52.2 | 50.2 | 48.2 | 48.5 | 49.5 | 53.6 |
| Operating expenses | (86.0) | (21.7) | (22.5) | (22.6) | (19.3) | (17.9) | (17.5) | (23.1) | (18.7) |
| Provisions & impairment (loans) | (0.0) | (0.4) | 1.1 | 0.3 | (1.0) | (1.9) | (2.4) | 3.9 | 0.2 |
| Profit before tax | 121.4 | 30.9 | 27.9 | 30.2 | 32.3 | 31.0 | 31.6 | 27.2 | 35.6 |
| Profit attributable to shareholders | 57.2 | 14.9 | 13.1 | 14.1 | 15.1 | 14.6 | 14.7 | 10.5 | 18.1 |
| EPS – basic (Rs) Rs | 48.23 | 12.54 | 11.07 | 11.87 | 12.75 | 12.31 | 12.36 | 8.87 | 15.27 |
| Dividend per share (Rs) Rs | 36.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 | 9.00 |
| Advances (net) | 868.2 | 868.2 | 867.5 | 821.7 | 726.1 | 745.7 | 846.5 | 1,120.4 | 742.9 |
| Deposits | 2,935.9 | 2,935.9 | 2,588.7 | 2,529.5 | 2,478.3 | 2,490.5 | 2,318.2 | 2,130.5 | 2,303.8 |
| Total assets | 3,829.9 | 3,829.9 | 3,618.1 | 3,578.7 | 3,552.0 | 3,692.4 | 3,461.6 | 3,009.7 | 3,088.0 |
| Equity attributable to shareholders | 334.3 | 334.3 | 315.9 | 336.4 | 316.0 | 306.2 | 291.1 | 286.7 | 276.8 |
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets. Free cash flow and book value per share are calculated by Smart Money; TTM = the latest four quarters. * Some FY2025 figures do not fully reconcile in the source data. Updated 16 Oct 2026.