MCB Bank Limited (MCB) financial ratios

MCB Bank Limited earned a net margin of 29.1% in FY2025 against a five-year average of 31.7% (Commercial Banks median 22.2%). Return on equity was 18.7%, compared with a sector median of 17.0%.

FY2025 vs the Commercial Banks median

Net margin: 29.1%; Sector median 22.2%
Return on equity (ROE): 18.7%; Sector median 17.0%
Return on assets (ROA): 1.8%; Sector median 1.2%
Debt to equity: 155.1%; Sector median 253.4%
Dividend payout ratio: 73.0%; Sector median 50.4%

Median of the 19 companies in the sector with the figure for their latest fiscal year.

MCB financial ratios (annual) (Rs mn)
Rs mn	FY2025 * Jan – Dec 2025	FY2024 Jan – Dec 2024	FY2023 Jan – Dec 2023	FY2022 * Jan – Dec 2022	FY2021 * Jan – Dec 2021	FY2020 Jan – Dec 2020	FY2019 Jan – Dec 2019	FY2018 * Jan – Dec 2018	FY2017 Jan – Dec 2017	FY2016 Jan – Dec 2016	FY2015 Jan – Dec 2015	FY2014 Jan – Dec 2014	FY2013 Jan – Dec 2013	FY2012 Jan – Dec 2012	FY2011 Jan – Dec 2011	FY2010 Jan – Dec 2010	FY2009 * Jan – Dec 2009	FY2008 * Jan – Dec 2008	FY2007 Jan – Dec 2007	FY2006 Jan – Dec 2006
Profitability
Pre-tax margin	61.9%	64.3%	69.9%	63.2%	61.3%	52.5%	49.6%	46.9%	49.2%	60.3%	66.5%	67.3%	67.0%	63.8%	59.7%	62.4%	57.3%	64.0%	76.5%	72.2%
Net margin	29.1%	31.1%	33.2%	28.9%	36.0%	31.5%	29.6%	31.1%	35.4%	36.4%	38.9%	44.6%	44.7%	41.7%	36.8%	39.7%	57.3%	44.8%	55.8%	47.8%
Effective tax rate	53.0%	51.6%	52.5%	54.3%	41.2%	40.1%	40.4%	33.7%	28.0%	39.6%	41.5%	33.7%	33.3%	34.6%	38.4%	36.4%	0.0%	30.0%	27.0%	33.8%
Returns
Return on equity (ROE)	18.7%	23.9%	29.9%	18.5%	16.9%	16.2%	14.9%	13.3%	14.6%	15.4%	18.0%	19.7%	19.8%	21.2%	22.2%	21.9%	35.3%	26.0%	33.0%	37.5%
Return on assets (ROA)	1.8%	2.2%	2.6%	1.6%	1.6%	1.7%	1.5%	1.4%	1.8%	2.1%	2.6%	2.8%	2.8%	2.9%	3.1%	3.1%	4.9%	3.6%	4.3%	3.9%
Leverage
Debt to equity	155.1%	134.5%	113.5%	210.5%	179.9%	115.2%	68.3%	161.3%	106.9%	62.2%	91.9%	57.9%	43.2%	83.6%	52.8%	45.7%	77.4%	62.9%	96.1%	85.6%
Debt to capital	60.8%	57.4%	53.2%	67.8%	64.3%	53.5%	40.6%	61.7%	51.7%	38.3%	47.9%	36.7%	30.2%	45.5%	34.5%	31.4%	43.6%	38.6%	49.0%	46.1%
Debt to assets	14.6%	12.8%	10.2%	18.0%	15.1%	11.8%	7.3%	15.4%	12.0%	8.3%	12.8%	8.4%	6.1%	11.5%	7.4%	6.6%	10.9%	8.5%	13.4%	10.5%
Assets to equity	10.55×	10.76×	11.36×	11.82×	10.83×	9.62×	9.91×	9.66×	8.22×	7.35×	7.05×	7.00×	7.18×	7.20×	7.05×	7.01×	7.23×	7.29×	7.58×	9.62×
Dividends
Dividend payout ratio	73.0%	67.5%	54.6%	69.0%	72.2%	80.6%	79.4%	93.2%	85.0%	80.7%	71.5%	63.2%	64.8%	57.3%	52.1%	51.8%	32.6%	49.2%	33.6%	15.0%
Earnings retention rate	0.27×	0.33×	0.45×	0.31×	0.28×	0.19×	0.21×	0.07×	0.15×	0.19×	0.29×	0.37×	0.35×	0.43×	0.48×	0.48×	0.67×	0.51×	0.66×	0.85×

Ratios as reported for each fiscal year; returns are on average equity / assets. Debt ratios are percentages; turnover in times; working-capital measures in days.

MCB: frequently asked questions

What is MCB's EPS?

MCB Bank Limited reported basic earnings per share of Rs 49.29 for FY2025 (Jan – Dec 2025). Over the trailing twelve months (TTM to Jun 2026) EPS was Rs 48.23.

What is MCB's P/E ratio?

At the closing price of Rs 374.53 on 16 Oct 2026, MCB trades at a P/E of 7.8× based on EPS of Rs 48.23 (TTM to Jun 2026).

Does MCB pay dividends?

Yes. MCB Bank Limited declared a dividend of Rs 36.00 per share for FY2025. It has paid a dividend in each of the last 20 years. At Rs 374.53 that is a dividend yield of 9.6%.

What was MCB's total income and profit in FY2025?

MCB Bank Limited reported total income of Rs 202.0 bn and profit attributable to shareholders of Rs 58.4 bn for FY2025 (Jan – Dec 2025).

What is MCB's book value per share?

MCB Bank Limited's book value per share was Rs 283.88 at the end of FY2025. The shares trade at 1.33× book value.

Information only, not investment advice.