MCB Bank Income Statement

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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
Interest Income on Loans	337,577	327,508	413,551	364,449	219,423	132,609
Interest Income on Investments	4,079	4,450	2,930	2,511	2,122	1,955
Total Interest Income	341,656	331,958	416,481	366,959	221,544	134,565
Interest Paid on Deposits	170,267	166,305	245,604	199,027	123,455	64,231
Net Interest Income	171,389	165,653	170,877	167,933	98,090	70,333
Net Interest Income Growth	5.34%	-3.06%	1.75%	71.20%	39.46%	-8.44%
Gain (Loss) on Sale of Assets	312.85	312.85	223.85	160.26	138.38	107.78
Gain (Loss) on Sale of Investments	3,299	1,188	3,467	837.44	-1,715	262.84
Other Non-Interest Income	37,887	35,370	34,533	31,819	25,290	18,180
Total Non-Interest Income	41,499	36,871	38,224	32,816	23,714	18,550
Non-Interest Income Growth	7.58%	-3.54%	16.48%	38.38%	27.84%	1.64%
Revenues Before Loan Losses	212,888	202,524	209,101	200,749	121,804	88,883
Provision for Loan Losses	170.65	-5,067	4,878	1,075	-2,641	-5,473
Revenue	212,717	207,591	204,223	199,674	124,445	94,356
Revenue Growth	5.01%	1.65%	2.28%	60.45%	31.89%	7.55%
Salaries and Employee Benefits	2,425	2,472	2,599	2,744	1,510	1,058
Selling, General & Administrative	6,103	6,103	5,092	3,302	2,941	2,289
Other Non-Interest Expense	83,609	76,784	67,802	57,528	45,402	38,826
Total Non-Interest Expense	89,883	82,532	73,052	62,226	49,167	41,230
EBT Excluding Unusual Items	122,834	125,059	131,171	137,448	75,278	53,126
Other Unusual Items	60.18	60.18	6.51	70.62	62.67	149.13
Pretax Income	122,895	125,119	131,177	137,519	75,340	53,275
Income Tax Expense	64,415	66,344	67,711	72,248	40,889	21,948
Earnings From Continuing Operations	58,479	58,775	63,466	65,271	34,451	31,328
Minority Interest in Earnings	-245.73	-360.35	-240.62	-166.38	-86.1	-148.05
Net Income	58,234	58,415	63,225	65,105	34,365	31,180
Net Income to Common	58,234	58,415	63,225	65,105	34,365	31,180
Net Income Growth	6.14%	-7.61%	-2.89%	89.45%	10.22%	6.02%
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
Shares Change	0.02%	-	-	-	-	-
EPS (Basic)	49.13	49.29	53.35	54.94	29.00	26.31
EPS (Diluted)	49.13	49.29	53.35	54.94	29.00	26.31
EPS Growth	6.12%	-7.61%	-2.89%	89.45%	10.22%	6.02%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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
Dividend Per Share	9.000	36.000	36.000	30.000	20.000	19.000
Dividend Growth	-75.00%	0%	20.00%	50.00%	5.26%	-5.00%
Effective Tax Rate	52.41%	53.02%	51.62%	52.54%	54.27%	41.20%