MCB Bank Limited (PSX: MCB)

MCB Bank Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	77,261	117,059	67,780	88,155	84,488	71,008
Investment Securities	1,693,831	1,391,351	1,067,569	1,076,504	1,039,776	746,815
Trading Asset Securities	17,405	5,162	2,418	5,896	7,943	15,711
Total Investments	1,711,237	1,396,513	1,069,987	1,082,400	1,047,719	762,526
Gross Loans	914,959	787,614	921,392	759,022	611,025	598,906
Allowance for Loan Losses	-53,164	-45,852	-44,761	-46,052	-50,680	-43,399
Other Adjustments to Gross Loans	-	-2,874	-1,739	-859.82	-828.46	-973.58
Net Loans	861,795	738,887	874,892	712,110	559,517	554,534
Property, Plant & Equipment	93,254	88,739	85,021	62,352	63,679	64,202
Goodwill	82.13	82.13	82.13	82.13	82.13	82.13
Other Intangible Assets	2,601	1,777	1,601	1,756	1,785	1,897
Accrued Interest Receivable	100,371	72,062	46,386	24,630	19,763	25,099
Other Receivables	10,498	67,321	133.81	763.9	742.34	133.81
Restricted Cash	133,043	110,993	68,658	110,027	76,577	93,321
Other Current Assets	44,113	47,980	32,535	27,684	25,272	24,287
Long-Term Deferred Tax Assets	-	-	5,439	-	-	-
Other Real Estate Owned & Foreclosed	2,003	2,157	2,805	2,786	4,037	3,838
Other Long-Term Assets	51,703	36,514	19,014	9,377	7,615	11,288
Total Assets	3,087,960	2,680,085	2,274,333	2,122,121	1,891,276	1,612,215
Accrued Expenses	33,051	36,047	22,327	22,287	18,513	15,905
Interest Bearing Deposits	1,310,858	1,133,061	848,896	963,003	895,285	804,334
Non-Interest Bearing Deposits	992,965	876,768	683,800	571,583	493,453	422,259
Total Deposits	2,303,822	2,009,829	1,532,696	1,534,587	1,388,738	1,226,593
Short-Term Borrowings	235,925	161,239	279,886	218,865	135,890	77,791
Current Portion of Long-Term Debt	-	24,599	23,216	19,875	22,901	4,946
Current Portion of Leases	-	1,485	1,326	1,088	-	-
Current Income Taxes Payable	16,046	21,099	18,155	8,627	10,130	6,046
Accrued Interest Payable	25,149	7,611	35,044	6,279	3,139	24,175
Other Current Liabilities	53,451	72,248	73,562	53,957	50,917	34,767
Long-Term Debt	72,159	51,103	54,740	48,858	30,918	15,994
Long-Term Leases	11,293	9,944	9,235	8,971	11,269	11,437
Long-Term Unearned Revenue	2,557	2,119	1,314	862.17	252.31	252.84
Pension & Post-Retirement Benefits	2,443	2,262	2,385	2,180	2,226	2,143
Long-Term Deferred Tax Liabilities	11,355	3,552	-	1,579	7,491	6,214
Other Long-Term Liabilities	43,508	35,197	25,971	16,537	15,901	14,605
Total Liabilities	2,810,758	2,438,334	2,079,855	1,944,553	1,698,285	1,440,868
Common Stock	11,851	11,851	11,851	11,851	11,851	11,851
Additional Paid-In Capital	23,973	23,973	23,973	23,973	23,973	23,973
Retained Earnings	190,708	169,596	132,709	121,027	123,727	106,392
Comprehensive Income & Other	50,255	35,990	25,212	19,967	32,662	28,391
Total Common Equity	276,787	241,410	193,745	176,817	192,213	170,606
Minority Interest	414.71	341.19	732.49	751.42	778.56	740.4
Shareholders' Equity	277,202	241,751	194,478	177,569	192,991	171,347
Total Liabilities & Equity	3,087,960	2,680,085	2,274,333	2,122,121	1,891,276	1,612,215
Total Debt	319,377	248,370	368,403	297,658	200,977	110,167
Net Cash (Debt)	-168,688	-104,649	-271,525	-188,712	-102,409	-23,448
Net Cash Per Share	-142.35	-88.31	-229.12	-159.24	-86.42	-19.79
Filing Date Shares Outstanding	1,185	1,185	1,185	1,185	1,185	1,185
Total Common Shares Outstanding	1,185	1,185	1,185	1,185	1,185	1,185
Book Value Per Share	233.55	203.71	163.49	149.21	162.20	143.96
Tangible Book Value	274,104	239,551	192,063	174,979	190,346	168,627
Tangible Book Value Per Share	231.28	202.14	162.07	147.65	160.62	142.29

Source: S&P Capital IQ. Banks template. Financial Sources.