Lahore, October 22, 2025 — MCB Bank Limited (PSX: MCB) has announced strong financial results for the nine months ended September 30, 2025, reporting a Profit Before Tax (PBT) of Rs. 87.48 billion and a Profit After Tax (PAT) of Rs. 41.10 billion. Earnings Per Share (EPS) stood at Rs. 34.68, compared to Rs. 40.88 during the same period last year.
The Board of Directors, chaired by Mian Mohammad Mansha, approved the Bank’s condensed interim financial statements and declared a third interim cash dividend of Rs. 9.00 per share (90%), bringing the total dividend payout for 2025 to 270%, among the highest in Pakistan’s banking industry.
MCB’s effective tax rate rose to 53%, up from 49% in 2024, due to higher corporate taxation for banks. On a consolidated basis, the Bank recorded a PBT of Rs. 94.88 billion, reflecting prudent risk management, a strong balance sheet, and a consistent focus on core banking operations.
Net interest income declined by 5.8% year-on-year, primarily due to monetary easing. However, MCB’s focus on low-cost deposits drove a 29% growth in current accounts. Non-markup income totaled Rs. 26.0 billion, with foreign exchange income up 5% and dividend income rising 30%. The Bank’s digital banking expansion continued to deliver results, with card-related income up 18% and branch banking fees increasing by 14%.
Operating expenses grew 14.6% year-on-year as MCB invested in technology, workforce development, and brand initiatives. Despite higher costs, the Bank maintained a cost-to-income ratio of 37.65%, showcasing financial discipline and operational efficiency.
On the balance sheet, total assets grew by 20% to Rs. 3.23 trillion, while deposits reached Rs. 2.23 trillion, supported by a Rs. 272 billion surge in current deposits. The cost of deposits dropped to 5.01% from 10.47% last year. Asset quality remained strong, with non-performing loans at Rs. 50 billion and a coverage ratio of 92.24%.
MCB also maintained leadership in the home remittance segment, processing USD 3.44 billion, a 7.6% increase year-on-year. The Bank’s Capital Adequacy Ratio (CAR) stood at 19.88%, and CET1 ratio at 15.37%, both well above regulatory requirements.
PACRA reaffirmed MCB’s long-term credit rating at ‘AAA’ and short-term rating at ‘A1+’, reflecting the Bank’s stability and strong financial performance.
Despite economic headwinds, MCB Bank remains well-positioned for sustainable growth, backed by its solid capital base, robust liquidity, digital innovation, and strong risk management framework. The Bank continues to deliver long-term value and remains a key contributor to Pakistan’s financial stability and development.