MCB Bank Limited (PSX:MCB)

MCB Bank Income Statement

Financials in millions PKR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	337,596	413,551	364,449	219,423	132,609	145,772
Interest Income on Investments	3,631	2,930	2,511	2,122	1,955	969.32
Total Interest Income	341,226	416,481	366,959	221,544	134,565	146,742
Interest Paid on Deposits	178,530	245,604	199,027	123,455	64,231	69,929
Net Interest Income	162,696	170,877	167,933	98,090	70,333	76,813
Net Interest Income Growth (YoY)	-8.60%	1.75%	71.20%	39.46%	-8.44%	18.25%
Gain (Loss) on Sale of Assets	350.3	223.85	160.26	138.38	107.78	73.16
Gain (Loss) on Sale of Investments	4,112	3,467	837.44	-1,715	262.84	3,396
Other Non-Interest Income	34,099	34,533	31,819	25,290	18,180	14,782
Total Non-Interest Income	38,561	38,224	32,816	23,714	18,550	18,252
Non-Interest Income Growth (YoY)	3.67%	16.48%	38.38%	27.84%	1.64%	12.13%
Revenues Before Loan Losses	201,258	209,101	200,749	121,804	88,883	95,064
Provision for Loan Losses	-1,298	4,878	1,075	-2,641	-5,473	7,330
Revenue	202,556	204,223	199,674	124,445	94,356	87,734
Revenue Growth (YoY)	-5.84%	2.28%	60.45%	31.89%	7.55%	11.68%
Salaries and Employee Benefits	2,415	2,599	2,744	1,510	1,058	974.81
Selling, General & Administrative	6,704	5,092	3,302	2,941	2,289	2,218
Other Non-Interest Expense	74,378	67,802	57,528	45,402	38,826	35,843
Total Non-Interest Expense	80,444	73,052	62,226	49,167	41,230	38,464
EBT Excluding Unusual Items	122,112	131,171	137,448	75,278	53,126	49,271
Other Unusual Items	-23.83	6.51	70.62	62.67	149.13	47.65
Pretax Income	122,088	131,177	137,519	75,340	53,275	49,318
Income Tax Expense	66,818	67,711	72,248	40,889	21,948	19,756
Earnings From Continuing Operations	55,270	63,466	65,271	34,451	31,328	29,562
Minority Interest in Earnings	-404.13	-240.62	-166.38	-86.1	-148.05	-152.04
Net Income	54,866	63,225	65,105	34,365	31,180	29,410
Net Income to Common	54,866	63,225	65,105	34,365	31,180	29,410
Net Income Growth	-21.14%	-2.89%	89.45%	10.22%	6.02%	23.22%
Basic Shares Outstanding	1,185	1,185	1,185	1,185	1,185	1,185
Diluted Shares Outstanding	1,185	1,185	1,185	1,185	1,185	1,185
EPS (Basic)	46.30	53.35	54.94	29.00	26.31	24.82
EPS (Diluted)	46.30	53.35	54.94	29.00	26.31	24.82
EPS Growth	-21.14%	-2.89%	89.45%	10.22%	6.02%	23.22%
Dividend Per Share	36.000	36.000	30.000	20.000	19.000	20.000
Dividend Growth	-	20.00%	50.00%	5.26%	-5.00%	17.65%
Effective Tax Rate	54.73%	51.62%	52.54%	54.27%	41.20%	40.06%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.