MCB Bank Limited (MCB) Financial Statements, Ratios & Dividends
About
MCB Bank Ltd. engages in the provision of commercial banking services. It operates through the following segments: Retail Banking, Consumer Banking, Corporate Banking, Treasury, International Banking, and Others. The Retail Banking segment includes retail lending and deposits, banking services, cards and branchless banking. The Consumer Banking segment offers consumer financing activities with individual customers of the Bank and offers products such as credit cards, auto loans, housing finance, and personal loans. The Corporate Banking segment is composed of loans, deposits, project financing, trade financing, investment banking, and other banking activities. The Treasury segment offers fixed income, equity, foreign exchange, credit, funding, own position securities, lending and borrowings, and derivatives for hedging and market making. The International Banking segment consists of activities of overseas operations. The Others segment refers to head office related activities and other functions which cannot be classified in any of the segments. The company was founded on July 9, 1947, and is headquartered in Lahore, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 368.51B | 454.47B | |
| Net Income | 58.42B | 63.23B | |
| EPS | 49.29 | 53.35 | |
| ROE | 18.75% | 23.94% | |
| ROA | 1.77% | 2.22% | |
| Net Margin | 28.89% | 30.27% | |
| Current Ratio | 0.15 | 0.15 | |
| DPS | 36.00 | 36.00 | |
| Free Cash Flow | 123.42B | 279.05B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Interest Income | 331.96B | 416.48B | |
| Total Interest Expense | -166.30B | -245.60B | |
| Net Interest Income | 165.65B | 170.88B | |
| Loan Loss Provision | 4.62B | -5.31B | |
| Net Interest Income after LLP | 170.28B | 165.56B | |
| Non-Interest Income | 36.55B | 37.99B | |
| Commissions & Fees | 24.35B | 24.78B | |
| Foreign Exchange Income | 10.86B | 9.61B | |
| Non-Interest Expense | -85.21B | -75.19B | |
| Labor & Personnel | -38.09B | -31.75B | |
| Total Revenue | 368.51B | 454.47B | |
| Operating Income | 121.62B | 128.36B | |
| Pre-Tax Income | 122.29B | 128.74B | |
| Income Tax | -66.34B | -67.71B | |
| Minority Interest | -360.35M | -240.62M | |
| Net Income | 58.42B | 63.23B | |
| EPS (Basic) | 49.29 | 53.35 | |
| EPS (Diluted) | 49.29 | 53.35 | |
| Non-Interest Income / Revenue | 18.08% | 18.19% | |
| Operating Margin | 60.15% | 61.46% | |
| Net Margin | 28.89% | 30.27% | |
| Pre-Tax Margin | 33.19% | 28.33% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Regulatory Capital | |||
| CET1 Ratio | 13.68% | 14.89% | |
| Tier 1 Capital Ratio | 13.68% | 14.89% | |
| Tier 2 Capital Ratio | 5.01% | 3.85% | |
| Total Capital Ratio | 18.69% | 18.74% | |
| Tier 1 Capital | 236.78B | 221.36B | |
| Risk-Weighted Assets | 1.73T | 1.49T | |
| Asset Quality | |||
| Non-Performing Loans | 104.42B | 112.28B | |
| NPL Ratio (NPL/Gross Loans) | 0.11% | 0.09% | |
| Loan Loss Coverage | -0.25% | 0.25% | |
| NPL / Loan Loss Reserve | 2.11 | 1.99 | |
| Reserve / Gross Loans | 0.05% | 0.04% | |
| Profitability | |||
| Return on Equity (ROE) | 18.75% | 23.94% | |
| Return on Assets (ROA) | 1.77% | 2.22% | |
| Operating Margin | 60.15% | 61.46% | |
| Net Margin | 28.89% | 30.27% | |
| Yield on Earning Assets | 11.91% | 17.72% | |
| Interest Income / Deposits | 7.38% | 8.55% | |
| Deposit & Loan Structure | |||
| Deposits / Total Assets | 0.68% | 0.68% | |
| Loans / Deposits (ADR) | 0.40% | 0.63% | |
| Loans / Total Assets | 0.27% | 0.43% | |
| Equity / Deposits | 0.14% | 0.14% | |
| Cash / Deposits | 0.96% | 0.72% | |
| CASA Ratio | 0.50% | 0.46% | |
| Per Share | |||
| Book Value Per Share | 283.88 | 241.97 | |
| Tangible Book Per Share | 280.96 | 239.73 | |
| Shares & Market | |||
| Total Shares Outstanding | 1,185,060,006 | 1,185,060,006 | |
| Market Cap | 449.59B | 333.36B | |
| Enterprise Value | 806.12B | 544.37B | |
| Employees | 18,696 | 17,243 | |
| Shareholders | 54,119 | 54,119 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 36.00 | 36.00 | |
| Dividend Yield | 9.49% | 12.80% | |
| Payout Ratio | 73.03% | 67.48% | |
| Total Dividends Paid | -42.39B | -42.42B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 7.70 | 5.27 | |
| P/B Ratio | 1.34 | 1.16 | |
| P/S Ratio | 2.22 | 1.60 | |
| P/CF Ratio | 3.28 | 1.15 | |
| Market Cap | 449.59B | 333.36B | |
| Enterprise Value | 806.12B | 544.37B |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 373.35B | |
| Operating Income | 117.76B | |
| Net Income | 57.16B | |
| Free Cash Flow | -267.29B | |
| EPS (Basic) | 48.23 | |
| Margins | ||
| Operating Margin | 56.71% | |
| Net Margin | 27.53% | |
| Returns | ||
| Return on Equity (ROE) | 17.85% | |
| ROIC | 0.10% | |
| Coverage & Debt | ||
| Dividend Coverage | 1.32 | |
| Debt / Revenue | 1.67 | |
| Valuation & Scores | ||
| P/E (TTM) | 7.96 | |
| Sloan Ratio | 12.64 | |
| Zmijewski Score | 0.78 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 18.75% | |
| Return on Tangible Equity | 18.93% | |
| Return on Tangible Assets | 1.77% | |
| Return on Total Capital | 15.04% | |
| ROCE | 17.00% | |
| Growth | ||
| EPS Diluted Growth | -0.08% | |
| Sustainable Growth Rate | 5.06% | |
| Quality & Risk Scores | ||
| Zmijewski Score | 0.73 | |
| Sloan Ratio | 10.40 | |
| Valuation (Computed) | ||
| Graham Number | 561.11 | |
| Tobin's Q Ratio | 0.13 | |
| Leverage & Coverage | ||
| Total Debt / Capital | 0.64% | |
| Assets / Equity (Leverage) | 10.64 | |
| Effective Interest Rate | 11.53% | |
| Debt / Revenue | 1.60 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 3.50 | |
| Dividends (Computed) | ||
| Dividend Coverage | 0.26 | |
| Share Buyback Ratio | 0.00 | |
| Per Employee | ||
| Revenue / Employee | 10.82M | |
| Net Income / Employee | 3.12M | |
| Oper. Income / Employee | 6.51M | |
| Total Assets / Employee | 191.42M | |
| Balance Sheet (Computed) | ||
| Earnings Schedule | ||
| Next Earnings Date | 9 Feb 2027 | |
| Next Fiscal Period | 2026 | |