MCB Bank Reports Rs. 87.48 Billion Profit Before Tax for Nine Months, Announces Dividend Boost

Lahore: MCB Bank Limited has announced a robust financial performance for the nine months ending September 30, 2025, with a Profit Before Tax (PBT) of Rs. 87.48 billion. The bank’s Board of Directors, chaired by Mian Mohammad Mansha, declared a third interim cash dividend of Rs. 9.00 per share, bringing the total dividend payout for the period to 270%.

The bank’s financial results highlight its strategic focus on core banking operations and risk management. Despite a 5.8% decline in net interest income due to monetary easing, MCB Bank achieved a 29% growth in current deposits. Non-markup income decreased by 3.1%, with fee and commission income falling by 15% due to competition in home remittances. However, foreign exchange income grew by 5%, and dividend income increased by 30%.

Operating expenses rose by 14.6% as the bank invested in technology and talent development, yet it maintained a cost-to-income ratio of 37.65%. MCB’s total assets grew by 20% to Rs. 3.23 trillion, driven by a 72% increase in net investments. The bank reported a Return on Assets of 1.85% and Return on Equity of 23.50%.

MCB Bank’s capital adequacy and liquidity positions remain strong, with a Capital Adequacy Ratio of 19.88% and a Liquidity Coverage Ratio of 267.46%. The bank’s credit ratings were reaffirmed at ‘AAA’ for long-term and ‘A1+’ for short-term.

MCB Bank continues to play a significant role in Pakistan’s financial landscape, supporting the State Bank of Pakistan’s initiatives and contributing to economic stability through its extensive network and digital channels.