MCB Bank Balance Sheet

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

Millions PKR. Fiscal year is Jan - Dec.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	92,573	97,841	57,570	117,059	67,780	88,155
Investment Securities	2,248,458	2,122,865	1,329,755	1,391,351	1,067,569	1,076,504
Trading Asset Securities	17,702	1,052	3,843	5,162	2,418	5,896
Total Investments	2,266,160	2,123,918	1,333,597	1,396,513	1,069,987	1,082,400
Gross Loans	1,082,256	968,797	1,283,181	787,614	921,392	759,022
Allowance for Loan Losses	-49,988	-49,469	-56,449	-45,852	-44,761	-46,052
Other Adjustments to Gross Loans	-	-3,575	-3,161	-2,874	-1,739	-859.82
Net Loans	1,032,269	915,753	1,223,570	738,887	874,892	712,110
Property, Plant & Equipment	116,471	114,126	96,472	88,739	85,021	62,352
Goodwill	82.13	82.13	82.13	82.13	82.13	82.13
Other Intangible Assets	3,287	3,371	2,568	1,777	1,601	1,756
Accrued Interest Receivable	75,048	71,588	61,040	72,057	46,386	24,630
Other Receivables	11,342	-	-	67,321	133.81	763.9
Restricted Cash	131,402	136,390	134,766	110,993	68,658	110,027
Other Current Assets	54,328	59,783	45,945	47,980	32,535	27,684
Long-Term Deferred Tax Assets	-	-	-	-	5,439	-
Other Real Estate Owned & Foreclosed	1,541	1,547	1,902	2,157	2,805	2,786
Other Long-Term Assets	36,914	46,545	45,187	36,519	19,014	9,377
Total Assets	3,829,906	3,578,742	3,009,722	2,680,085	2,274,333	2,122,121

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Accrued Expenses	34,843	37,851	32,660	36,047	22,327	22,287
Interest Bearing Deposits	1,521,329	1,281,019	1,164,886	1,133,061	848,896	963,003
Non-Interest Bearing Deposits	1,414,613	1,248,485	965,639	876,768	683,800	571,583
Total Deposits	2,935,942	2,529,503	2,130,525	2,009,829	1,532,696	1,534,587
Short-Term Borrowings	324,408	424,896	228,716	161,239	279,886	218,865
Current Portion of Long-Term Debt	-	-	-	24,599	23,216	19,875
Current Portion of Leases	2,531	2,333	1,801	1,485	1,326	1,088
Current Income Taxes Payable	-	2,670	12,571	21,099	18,155	8,627
Accrued Interest Payable	5,287	3,965	41,428	7,611	35,044	6,279
Other Current Liabilities	53,896	76,017	92,130	72,248	73,562	53,957
Long-Term Debt	54,144	52,462	92,705	51,103	54,740	48,858
Long-Term Leases	13,322	13,172	10,863	9,944	9,235	8,971
Long-Term Unearned Revenue	3,659	3,472	2,801	2,119	1,314	862.17
Pension & Post-Retirement Benefits	2,475	2,385	2,312	2,262	2,385	2,180
Long-Term Deferred Tax Liabilities	39,571	49,341	20,824	3,552	-	1,579
Other Long-Term Liabilities	24,657	43,496	53,137	35,197	25,971	16,537
Total Liabilities	3,494,736	3,241,563	2,722,475	2,438,334	2,079,855	1,944,553

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
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	223,277	215,460	194,443	169,596	132,709	121,027
Comprehensive Income & Other	75,224	85,126	56,479	35,990	25,212	19,967
Total Common Equity	334,324	336,410	286,746	241,410	193,745	176,817
Minority Interest	845.42	768.23	501.53	341.19	732.49	751.42
Shareholders' Equity	335,170	337,179	287,247	241,751	194,478	177,569
Total Liabilities & Equity	3,829,906	3,578,742	3,009,722	2,680,085	2,274,333	2,122,121

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Total Debt	394,405	492,863	334,085	248,370	368,403	297,658
Net Cash (Debt)	-269,920	-370,150	-249,474	-104,649	-271,525	-188,712
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-227.77	-312.35	-210.52	-88.31	-229.12	-159.24
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	282.03	283.88	241.97	203.71	163.49	149.21
Tangible Book Value	330,955	332,957	284,095	239,551	192,063	174,979
Tangible Book Value Per Share	279.18	280.96	239.73	202.14	162.07	147.65