MCB Bank Reports Rs. 87.48 Billion Profit, Declares 90% Interim Dividend

Lahore: MCB Bank Limited has announced a Profit Before Tax of Rs. 87.48 billion for the first nine months of 2025, alongside a third interim dividend of 90%, as reported by the Board of Directors under the leadership of Chairman Mian Mohammad Mansha. This brings the total cash dividend for the period to 270%, marking one of the highest payouts in the banking industry.

The bank’s third-quarter Profit Before Tax stood at Rs. 29.42 billion, while Profit After Tax reached Rs. 41.10 billion, resulting in Earnings Per Share of Rs. 34.68. The effective tax rate increased to 53%, reflecting a rise in the corporate tax rate for banking companies.

Despite a 5.8% decline in net interest income due to monetary easing, MCB’s strategic focus on no-cost deposit mobilization led to significant growth in current deposits. Non-markup income slightly decreased by 3.1%, with foreign exchange income and dividend income showing growth.

Operating expenses rose by 14.6% as the bank invested in technology and talent development. MCB maintained a cost-to-income ratio of 37.65% and a robust balance sheet, with total assets increasing by 20%.

The bank’s deposits reached Rs. 2.23 trillion, driven by a historic increase in current deposits. MCB’s return on assets was reported at 1.85%, with a return on equity of 23.50%.

MCB maintained a strong presence in the home remittance segment, processing USD 3,437 million, supporting financial inclusion initiatives. The bank’s capital adequacy and liquidity ratios remained well above regulatory requirements, and its credit ratings were reaffirmed at ‘AAA’ and ‘A1+’ by the Pakistan Credit Rating Agency.