MCB Bank Cash Flow Statement

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Net Income	58,415	63,225	65,105	34,365	31,180
Depreciation & Amortization	8,683	6,892	5,571	4,640	4,333
Other Amortization	-	766.22	560.04	566.63	480.83
Gain (Loss) on Sale of Assets	-312.85	-225.86	-157.04	-145.19	-679.23
Gain (Loss) on Sale of Investments	-408.17	-2,335	797.7	-619.19	-763.33
Total Asset Writedown	-	122.26	28.1	108.13	31.09
Provision for Credit Losses	-5,067	5,049	223.5	-2,120	-4,737
Change in Trading Asset Securities	-1,981	3,720	-2,495	-	1,316
Change in Other Net Operating Assets	433,569	-305,854	-56,183	-79,234	-58,978
Other Operating Activities	-63,748	29,124	-45,053	13,272	605.92
Operating Cash Flow	429,150	-201,957	-32,951	-29,852	-28,155
Capital Expenditures	-13,459	-11,908	-8,117	-4,930	-3,205
Sale of Property, Plant and Equipment	2,059	361.18	1,926	405.75	405.77
Cash Acquisitions	-	-	-649.93	-	-
Investment in Securities	-734,542	121,194	-317,049	-3,344	-46,887
Income (Loss) Equity Investments	-	-2,441	-1,349	-685.89	-943.59
Purchase / Sale of Intangibles	-1,470	-1,555	-729.43	-416.5	-451.09
Other Investing Activities	4,650	3,869	7,244	3,360	5,113
Investing Cash Flow	-742,762	111,961	-317,376	-4,925	-45,024
Long-Term Debt Repaid	-4,157	-3,458	-3,022	-2,584	-2,359
Net Debt Issued (Repaid)	-4,157	-3,458	-3,022	-2,584	-2,359
Common Dividends Paid	-42,393	-42,335	-32,308	-21,807	-34,036
Net Increase (Decrease) in Deposit Accounts	398,978	120,697	477,133	-1,891	145,849
Other Financing Activities	-	-80.27	-73.59	-105.13	-175.22
Financing Cash Flow	352,427	74,823	441,729	-26,387	109,278
Foreign Exchange Rate Adjustments	498.73	-403.23	10,533	9,600	5,342
Net Cash Flow	38,691	-16,148	101,935	-51,563	41,440
Free Cash Flow	415,690	-213,865	-41,068	-34,782	-31,360
Free Cash Flow Margin	200.17%	-104.72%	-20.57%	-27.95%	-33.24%
Free Cash Flow Per Share	350.75	-180.47	-34.66	-29.35	-26.46
Cash Interest Paid	200,739	211,787	226,459	-	-
Cash Income Tax Paid	77,935	83,897	66,205	28,409	21,722

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.