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Commercial Banks

MCB MCB Bank Limited

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

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Last close · 16 Oct 2026

Rs 372.00 +0.25%

Annual · FY2006 – FY2025

MCB Bank Limited (MCB) income statement

MCB Bank Limited reported total income of Rs 202.0 bn for FY2025 (Jan – Dec 2025), down 1.0% on FY2024. Net interest income was Rs 165.7 bn, down 3.1% on FY2024, with non-interest income of Rs 36.4 bn. Tax of Rs 66.3 bn took 53.0% of pre-tax profit. Profit attributable to shareholders was Rs 58.4 bn, down 7.6% on FY2024, or Rs 49.29 per share.

MCB income statement (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
Interest & dividend income 332.0 416.5 367.0 221.5 134.6
Interest expense (166.3) (245.6) (199.0) (123.5) (64.2)
Net interest income 165.7 170.9 167.9 98.1 70.3
Fee & commission income (net) 24.3 20.1 18.8 13.3 12.5
Foreign exchange income 10.9 9.6 9.2 9.6 3.8
Gain / (loss) on securities 1.2 1.4 0.8 (1.7) 0.3
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
Taxation (66.3) (67.7) (72.2) (40.9) (21.9)
Profit after tax 58.8 63.5 65.3 34.5 31.3
Profit attributable to shareholders 58.4 63.2 65.1 34.4 31.2
Per share
EPS – basic (Rs) Rs 49.29 53.35 54.94 29.00 26.31
EPS – diluted (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
Weighted average shares mn 1,185.1 1,185.1 1,185.1 1,185.1 1,185.1
MCB income statement — 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
Interest & dividend income -20.3% +13.5% +65.6% +64.6% -8.3%
Interest expense -32.3% +23.4% +61.2% +92.2% -8.1%
Net interest income -3.1% +1.8% +71.2% +39.5% -8.4%
Fee & commission income (net) +21.2% +7.0% +41.7% +6.2% +14.0%
Foreign exchange income +12.9% +4.5% -4.1% +149.2% +40.7%
Gain / (loss) on securities -13.3% +63.5% — -752.4% -92.3%
Total non-interest income +9.7% +15.1% +36.3% +27.4% -2.8%
Total income -1.0% +3.7% +65.0% +37.2% -7.4%
Operating expenses +5.5% +25.9% +32.2% +25.7% -20.4%
Provisions & impairment (loans) -205.9% +1,794.8% — — -163.8%
Profit before tax -4.6% -4.6% +82.5% +41.4% +8.0%
Taxation -2.0% -6.3% +76.7% +86.3% +11.1%
Profit after tax -7.4% -2.8% +89.5% +10.0% +6.0%
Profit attributable to shareholders -7.6% -2.9% +89.5% +10.2% +6.0%
Per share
EPS – basic (Rs) -7.6% -2.9% +89.5% +10.2% +6.0%
EPS – diluted (Rs) -7.6% -2.9% +89.5% +10.2% +6.0%
Dividend per share (Rs) 0.0% +20.0% +50.0% +5.3% -5.0%
Weighted average shares — — — — —

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

MCB income statement — 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
Interest & dividend income 164.3% 204.1% 186.5% 185.8% 154.8%
Interest expense (82.3%) (120.4%) (101.2%) (103.5%) (73.9%)
Net interest income 82.0% 83.7% 85.3% 82.3% 80.9%
Fee & commission income (net) 12.1% 9.8% 9.5% 11.1% 14.4%
Foreign exchange income 5.4% 4.7% 4.7% 8.0% 4.4%
Gain / (loss) on securities 0.6% 0.7% 0.4% (1.4%) 0.3%
Total non-interest income 18.0% 16.3% 14.7% 17.7% 19.1%
Total income 100.0% 100.0% 100.0% 100.0% 100.0%
Operating expenses (39.5%) (37.0%) (30.5%) (38.1%) (41.5%)
Provisions & impairment (loans) (2.5%) 2.3% 0.1% (1.8%) (5.4%)
Profit before tax 61.9% 64.3% 69.9% 63.2% 61.3%
Taxation (32.8%) (33.2%) (36.7%) (34.3%) (25.2%)
Profit after tax 29.1% 31.1% 33.2% 28.9% 36.0%
Profit attributable to shareholders 28.9% 31.0% 33.1% 28.8% 35.9%

Each line as a percentage of total income.

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 168
MCB income statement — 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
Interest & Dividend Income/(Expense) - Net - Finance 165.7 170.9 167.9 98.1 70.3
Interest & Dividend Income - Finance - Total 332.0 416.5 367.0 221.5 134.6
Interest Income - Loans/Deposits — 139.0 141.3 82.8 40.8
Interest & Fees on Loans & Receivables — 129.8 126.7 78.2 40.1
Interest Income - Deposits to Other Financial Institutions — 9.2 14.6 4.7 0.7
Interest & Dividend Income - Other - Finance 4.4 3.7 2.5 2.1 2.0
Interest Income - Collateralized Financing — — — — —
Interest & Dividend Income - Investment Securities - Finance 327.5 273.8 223.1 136.6 91.9
Net Commission & Fees Income/Expense - Business Revenue 24.3 20.1 18.8 13.3 12.5
Fees & Commissions Income 24.3 24.9 22.6 15.6 13.7
Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance — 273.8 223.1 136.6 91.9
Fees & Commissions Expense — 4.8 3.8 2.4 1.2
Investments & Loans - Business - Gain/(Loss) 1.2 3.5 0.9 (1.7) 0.3
Interest Expense - Finance - Total 166.3 245.6 199.0 123.5 64.2
Interest Expense - Operational Financing - Business 166.3 204.5 159.7 104.7 52.6
Interest Expense - Deposits — 201.3 156.1 102.5 51.0
Investment Securities - Business - Gain/(Loss) 1.2 1.4 0.8 (1.7) 0.3
Interest Expense - Collateralized Financing — — — — —
Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) — 1.2 0.8 (1.7) 0.3
Interest Expenses - Other - Total — 3.2 3.5 2.2 1.6
Interest Expense - External Financing Business — 41.1 39.3 18.7 11.6
Trading Investments - Realized Gain/(Loss) — — — — —
Non-Interest Business Revenue/(Expense) - Net - Total 36.4 33.2 28.8 21.2 16.6
Revenue from Business-Related Activities - Other - Total — — — — —
Derivatives - Hedging - Business - Gain/(Loss) 0.0 2.1 0.0 0.0 0.0
Derivatives - Hedging - Business - Fair Value Adjustments - Gain/(Loss) — 2.1 — — —
Trust Income — — — — —
Net Foreign Exchange Income/(Expense) - Business Revenue 10.9 9.6 9.2 9.6 3.8
Trading Investments/Trading Account Income - Gain/(Loss) — 0.2 (0.0) 0.0 (0.0)
Trading Investments - Unrealized Gain/(Loss) — 0.2 (0.0) 0.0 (0.0)
Investment Securities - Business Unclassified - Gain/(Loss) 1.2 — — — —
Revenue from Business Activities - Total 202.0 204.1 196.8 119.2 86.9
Selling, General & Administrative Expenses - Total 2.5 69.8 58.9 46.9 40.1
Selling, General & Administrative Expenses - Unclassified — 24.7 21.1 16.8 13.8
Depreciation in Selling, General & Administrative Expenses — 6.9 5.5 4.6 4.3
Amortization of Intangibles in Selling, General & Administrative Expenses — 0.8 0.6 0.6 0.5
Other Operating Expense/(Income) - Net 82.4 1.0 0.9 0.6 0.8
Other Operating Income - Total 0.6 — — — —
Operating Expenses - Total 79.8 75.6 60.0 45.4 36.1
Provision & Impairment for Loan Losses (5.1) 4.8 0.3 (2.1) (4.7)
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses 2.5 33.6 29.5 23.2 19.9
Selling, General & Administrative Expenses - Other - Total — 3.8 2.2 1.8 1.5
Advertising Expense — 2.3 0.8 0.8 0.8
Rental Expense — 1.2 0.9 0.7 0.6
Operating Profit before Non-Recurring Income/(Expense) 122.3 128.5 136.7 73.8 50.8
Property & Other Taxes — 0.3 0.5 0.2 0.1
Other Operating Expense 82.9 0.9 0.8 0.5 0.7
Operating Provisions - Increase/(Decrease) — 0.1 0.0 0.1 0.0
Sale of Tangible & Intangible Fixed Assets - Gain/Loss — 0.2 0.2 0.1 0.7
Equity Earnings/(Loss) - before Taxes including Non-Recurring 2.8 2.4 1.3 0.7 0.9
Other Non-Operating Income/(Expense) - Total — — — — —
Non-Recurring Adjustments - Non-Operating - Decrease/(Increase) — — — — —
Normalized Pre-tax Profit 125.1 131.1 138.2 74.7 52.4
Non-Recurring Income/Expense - Total — 0.0 (0.7) 0.7 0.8
Impairment - Tangible & Intangible Fixed Assets — — — — —
Impairment - Fixed Assets — — — — —
Impairment - Financial Investments — (0.0) 0.8 (0.6) (0.8)
Restructuring Charges — 0.1 0.0 0.0 0.1
Litigation Expenses/Settlements — — — — —
Early Extinguishment of Lease Related Debts - Gain/(Loss) — 0.1 0.1 0.1 0.2
Non-Recurring Income/(Expense) - Other - Total — — 0.0 0.0 0.0
Provision for Income Tax Expense- Unclassified 66.3 0.7 0.4 0.2 0.2
Income before Taxes 125.1 131.2 137.5 75.3 53.3
Income Taxes 66.3 67.7 72.2 40.9 21.9
Income Taxes for the Year - Current — 71.7 65.4 34.5 20.2
Income Taxes - Domestic - Current — — — — —
Income Taxes - Other (KFAS/NLST) - Current — — — — —
Income Taxes - Deferred — (1.3) 2.8 2.8 1.6
Income Taxes - Domestic - Deferred — (1.3) 2.8 2.8 1.6
Income Taxes - Other - Deferred — — — — —
Income Taxes - Other (by Type) — (3.5) 3.6 3.5 (0.0)
Net Income after Tax 58.8 63.5 65.3 34.5 31.3
Income before Discontinued Operations & Extraordinary Items 58.8 63.5 65.3 34.5 31.3
Net Income before Minority Interest 58.8 63.5 65.3 34.5 31.3
Minority Interest 0.4 0.2 0.2 0.1 0.1
Net Income after Minority Interest 58.4 63.2 65.1 34.4 31.2
Income Available to Common Shares 58.4 63.2 65.1 34.4 31.2
Other Comprehensive Income - Starting Line — 63.5 65.3 34.5 31.3
Other Comprehensive Income - Foreign Currency — 0.4 4.4 0.9 0.9
Other Comprehensive Income - Unrealized Investment Gain/(Loss) — 17.3 7.7 (14.4) (13.2)
Other Comprehensive Income - Revaluation of Tangible & Intangible Assets — 9.3 (0.4) 19.0 (0.0)
Other Comprehensive Income - Associated Companies — 0.5 0.4 (0.1) 0.1
Other Comprehensive Income - Pension Related — 2.4 2.7 (0.3) 0.0
Other Comprehensive Income - Net of Tax - Total — 30.0 14.7 5.1 (12.2)
Comprehensive Income before Minority Interest - Total — 93.5 80.0 39.5 19.1
Comprehensive Income - Attributable to Minority Interest - Total — 0.2 0.2 0.1 0.1
Comprehensive Income - Attributable to Parent Company Equity Holders - Total — 93.2 79.8 39.4 19.0
DPS - Common - Gross - Issue - By Period End Date Rs 36.00 36.00 30.00 20.00 19.00
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 58.4 63.2 65.1 34.4 31.2
Income available to Common excluding Extraordinary Items 58.4 63.2 65.1 34.4 31.2
Shares used to calculate Basic EPS - Total mn 1,185.1 1,185.1 1,185.1 1,185.1 1,185.1
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 49.29 53.35 54.94 29.00 26.31
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 49.29 53.35 54.94 29.00 26.31
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 49.29 53.31 55.53 28.43 25.61
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 58.4 63.2 65.1 34.4 31.2
Earnings Allocation Factor - Basic - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Shares used to calculate Basic EPS - Issue Specific mn 1,185.1 1,185.1 1,185.1 1,185.1 1,185.1
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 49.29 53.35 54.94 29.00 26.31
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 49.29 53.35 54.94 29.00 26.31
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 49.29 53.31 55.53 28.43 25.61
EPS - Basic from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00
Comprehensive Earnings Per Share - Basic - Issue Specific Rs — 78.67 67.36 33.28 16.01
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 58.4 63.2 65.1 34.4 31.2
Diluted Income available to Common excluding Extraordinary Items 58.4 63.2 65.1 34.4 31.2
Shares used to calculate Diluted EPS - Total mn 1,185.1 1,185.1 1,185.1 1,185.1 1,185.1
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 49.29 53.35 54.94 29.00 26.31
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 49.29 53.35 54.94 29.00 26.31
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 49.29 53.31 55.53 28.43 25.61
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 58.4 63.2 65.1 34.4 31.2
Earnings Allocation Factor - Diluted - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Shares used to calculate Diluted EPS - Issue Specific mn 1,185.1 1,185.1 1,185.1 1,185.1 1,185.1
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 49.29 53.35 54.94 29.00 26.31
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 49.29 53.35 54.94 29.00 26.31
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 49.29 53.31 55.53 28.43 25.61
EPS - Diluted from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00
Comprehensive Earnings Per Share - Diluted - Issue Specific Rs — 78.67 67.36 33.28 16.01
DPS - Common - Gross - Issue - By Announcement Date Rs 36.00 36.00 27.00 19.00 29.00
DPS - Common - Net - Issue - By Announcement Date Rs 32.40 32.40 24.30 17.10 26.10
Earnings before Interest & Taxes (EBIT) 122.3 128.5 136.7 73.8 50.8
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 131.0 136.1 142.8 79.0 55.6
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments — 137.3 143.8 79.7 56.2
Depreciation & Amortization - Supplemental — 7.6 6.1 5.2 4.8
Depreciation Expense - Total - Supplemental — 6.9 5.5 4.6 4.3
Depreciation - Financial Lease Right-of-Use Assets - Supplemental — 2.4 2.1 1.8 1.7
Amortization - Total - Supplemental — 0.8 0.6 0.6 0.5
Intangible Amortization - Other - Supplemental — 0.8 0.6 0.6 0.5
Amortization of Computer Software - Supplemental — 0.8 0.6 0.6 0.5
Depreciation, Depletion & Amortization - Total 8.7 7.7 6.1 5.2 4.8
Depreciation - Total 8.0 6.9 5.5 4.6 4.3
Amortization of Intangible Assets including Goodwill - Total — — — — —
Amortization of Intangible Assets excluding Goodwill - Total 0.7 0.8 0.6 0.6 0.5
Labor & Related Expenses - Total — 33.6 29.5 23.2 19.9
Labor & Related Expenses - Supplemental — 33.6 29.5 23.2 19.9
Auditor Fees — 0.1 0.1 0.1 0.1
Audit-Related Fees — 0.1 0.1 0.1 0.1
Tax Fees — 0.0 0.0 0.0 0.0
Fees - Other — — — — 0.0
Normalized after Tax Profit 58.8 63.4 66.0 33.8 30.5
Normalized Net Income from Continuing Operations 58.8 63.4 66.0 33.8 30.5
Normalized Net Income - Bottom Line 58.4 63.2 65.8 33.7 30.3
Earnings before Interest & Taxes (EBIT) - Normalized 125.1 131.1 138.2 74.7 52.4
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 133.8 138.8 144.3 79.8 57.2
Loan Losses - Net — 0.9 0.6 (0.1) 0.2
Loan Recoveries - Actual — 0.3 0.2 0.2 0.2
Loan Losses - Actual — 1.1 0.8 0.1 0.4
Interest Expense on Financial Lease Liabilities - Supplemental — 2.0 1.7 1.5 —
Rental/Operating Lease Expense — 1.2 0.9 0.7 0.6
Advertising Expenses - Supplemental — 2.3 0.8 0.8 0.8
Interest Expense 166.3 245.6 199.0 123.5 64.2
Interest & Dividend Income after Loan Loss Provision - Net - Finance 170.7 166.1 167.7 100.2 75.1
Commissions & Fees from Securities Activities — 0.1 0.2 0.2 2.7
Revenue after Loan Provisions - Net - Finance 337.0 411.7 366.7 223.7 139.3
Operating Expenses 79.8 75.6 60.0 45.4 36.1
Foreign Exchange Gain/(Loss) 10.9 9.6 9.2 9.6 3.8
Selling, General & Administrative Expenses excluding Research & Development Expenses 2.5 69.8 58.9 46.9 40.1
Investment Gain/(Loss) 5.6 4.3 3.3 0.4 2.2
Non-Interest Expense - Bank 82.0 68.1 59.0 46.0 38.4
Income before Taxes & Provision for Loan Losses 120.1 136.0 137.8 73.2 48.5
DPS - Common - Gross - Issue - By Payable Date Rs 36.00 36.00 32.00 14.00 29.00
DPS - Common - Gross - Issue - By Ex Date Rs 36.00 36.00 27.00 19.00 29.00
Tax Adjusted Operating Income 58.4 63.2 65.1 34.4 31.2
Operating Expenses excluding Non-Cash Charges - Total 71.1 67.9 53.9 40.2 31.3
Revenue Net of Interest Expense Before Loan Loss Provision 202.0 204.1 196.8 119.2 86.9
Income from Earning Assets 344.0 427.7 377.0 229.4 138.7
Income Available to Common Shares before Depreciation & Amortization 67.1 70.9 71.2 39.5 36.0
Commissions and Fees 24.3 20.1 18.8 13.3 12.5
Estimated Tax Rate 0.29× 0.29× 0.29× 0.29× 0.29×
Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs 36.00 36.00 27.00 19.00 29.00

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