MCB Bank Limited (PSX:MCB)

MCB Bank Balance Sheet

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
Cash & Equivalents	227,409	80,768	117,059	67,780	88,155	84,488
Investment Securities	2,162,541	1,127,401	1,391,351	1,067,569	1,076,504	1,039,776
Trading Asset Securities	-	3,843	5,162	2,418	5,896	7,943
Total Investments	2,162,541	1,131,243	1,396,513	1,069,987	1,082,400	1,047,719
Gross Loans	865,108	1,283,181	787,614	921,392	759,022	611,025
Allowance for Loan Losses	-	-56,449	-45,852	-44,761	-46,052	-50,680
Other Adjustments to Gross Loans	-	-3,161	-2,874	-1,739	-859.82	-828.46
Net Loans	865,108	1,223,570	738,887	874,892	712,110	559,517
Property, Plant & Equipment	103,317	96,472	88,739	85,021	62,352	63,679
Goodwill	-	82.13	82.13	82.13	82.13	82.13
Other Intangible Assets	3,069	2,568	1,777	1,601	1,756	1,785
Accrued Interest Receivable	-	61,040	72,057	46,386	24,630	19,763
Other Receivables	-	133.81	67,321	133.81	763.9	742.34
Restricted Cash	-	134,766	110,993	68,658	110,027	76,577
Other Current Assets	-	45,945	47,980	32,535	27,684	25,272
Long-Term Deferred Tax Assets	-	-	-	5,439	-	-
Other Real Estate Owned & Foreclosed	-	1,902	2,157	2,805	2,786	4,037
Other Long-Term Assets	190,535	224,208	36,519	19,014	9,377	7,615
Total Assets	3,551,978	3,009,722	2,680,085	2,274,333	2,122,121	1,891,276
Accrued Expenses	-	32,660	36,047	22,327	22,287	18,513
Interest Bearing Deposits	2,478,292	1,164,886	1,133,061	848,896	963,003	895,285
Non-Interest Bearing Deposits	-	965,639	876,768	683,800	571,583	493,453
Total Deposits	2,478,292	2,130,525	2,009,829	1,532,696	1,534,587	1,388,738
Short-Term Borrowings	-	228,716	161,239	279,886	218,865	135,890
Current Portion of Long-Term Debt	-	58,046	24,599	23,216	19,875	22,901
Current Portion of Leases	-	1,801	1,485	1,326	1,088	-
Current Income Taxes Payable	-	12,571	21,099	18,155	8,627	10,130
Accrued Interest Payable	-	41,428	7,611	35,044	6,279	3,139
Other Current Liabilities	13,403	92,130	72,248	73,562	53,957	50,917
Long-Term Debt	544,867	34,659	51,103	54,740	48,858	30,918
Long-Term Leases	13,995	10,863	9,944	9,235	8,971	11,269
Long-Term Unearned Revenue	-	2,801	2,119	1,314	862.17	252.31
Pension & Post-Retirement Benefits	-	2,312	2,262	2,385	2,180	2,226
Long-Term Deferred Tax Liabilities	37,243	20,824	3,552	-	1,579	7,491
Other Long-Term Liabilities	147,487	53,137	35,197	25,971	16,537	15,901
Total Liabilities	3,235,287	2,722,475	2,438,334	2,079,855	1,944,553	1,698,285
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	209,788	194,443	169,596	132,709	121,027	123,727
Comprehensive Income & Other	70,341	56,479	35,990	25,212	19,967	32,662
Total Common Equity	315,953	286,746	241,410	193,745	176,817	192,213
Minority Interest	738.58	501.53	341.19	732.49	751.42	778.56
Shareholders' Equity	316,692	287,247	241,751	194,478	177,569	192,991
Total Liabilities & Equity	3,551,978	3,009,722	2,680,085	2,274,333	2,122,121	1,891,276
Total Debt	558,862	334,085	248,370	368,403	297,658	200,977
Net Cash (Debt)	-331,453	-249,474	-104,649	-271,525	-188,712	-102,409
Net Cash Per Share	-279.71	-210.52	-88.31	-229.12	-159.24	-86.42
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	266.66	241.97	203.71	163.49	149.21	162.20
Tangible Book Value	312,884	284,095	239,551	192,063	174,979	190,346
Tangible Book Value Per Share	264.07	239.73	202.14	162.07	147.65	160.62

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