Karachi: MCB Bank Limited has reported a decline of more than 6 percent in its annual profit after tax for the calendar year ended December 31, 2025, according to financial results shared with the Pakistan Stock Exchange (PSX).
As per the bank’s unconsolidated profit and loss statement, MCB posted a profit after tax of Rs54.19 billion in 2025, compared with Rs57.61 billion recorded in the previous year. Consequently, earnings per share (EPS) fell to Rs45.73 from Rs48.62 in the preceding year.
In a statement, MCB Bank said it delivered another year of resilient financial performance despite a challenging macroeconomic environment, citing strong balance sheet management, strategic agility, and disciplined execution. The Board of Directors, chaired by Mian Mohammad Mansha, approved the annual financial statements and announced a final cash dividend of Rs9 per share (90%). This takes the total cash dividend for 2025 to 360%, including 270% already paid, among the highest payout ratios in the banking sector.
For the year, the bank reported profit before tax (PBT) of Rs115.5 billion and consolidated PBT of Rs125.1 billion. Total assets grew 20% year-on-year to Rs3.25 trillion, driven largely by a 67% increase in net investments.
MCB’s net interest income declined 2% amid continued monetary easing, though growth in earning assets and a 29% rise in current deposits helped cushion margin pressure. Non-markup income stood at Rs35.8 billion, with strong gains in foreign exchange and dividend income partially offsetting lower fee and commission earnings.
Deposits increased to Rs2.26 trillion, while asset quality remained stable with a non-performing loan ratio of 6.76%. The bank reported a return on assets (RoA) of 1.82% and return on equity (RoE) of 23.02%.
MCB Bank maintained strong capital and liquidity buffers and reaffirmed its position as one of Pakistan’s most capitalized and actively traded banking stocks, remaining well-positioned for sustainable long-term growth.