Commercial Bank

MCB Bank Share Price — CY2025 Financial Results

Last updated & verified: September 2026

MCB Bank's official CY2025 unconsolidated financial results, as reported to the Pakistan Stock Exchange — see the full bank overview.

• Full Year CY2025
• PSX: MCB

MCB Bank share price moves are ultimately driven by the fundamentals reported to the Pakistan Stock Exchange twice a year at minimum, and MCB Bank's CY2025 annual results — covering the year ended December 31, 2025 — give the clearest official picture of where those fundamentals stand. This page summarizes the audited, PSX-disclosed figures rather than daily price movement, which changes by the minute.

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University)

For the live, minute-by-minute MCB Bank share price itself, go directly to the Pakistan Stock Exchange's official MCB listing page — this page is not a substitute for a real-time quote.

Fundamentals Snapshot (as of CY2025 Annual Report)

These are the underlying figures a share-price or valuation calculation actually starts from — reported by MCB itself, not a live quote. They don't change minute to minute the way the share price does, so unlike price they're safe to state as a fixed, dated snapshot.

EPS (CY2025, full year)

Rs. 45.73

EPS (CY2024, for comparison)

Rs. 48.62

Total Dividend (CY2025)

Rs. 36.00/share (360%)

Payout Ratio (Dividend ÷ EPS)

~78.7%

Return on Equity (CY2025)

23.02%

Credit Rating

AAA / A-1+ (PACRA)

What this snapshot deliberately leaves out: P/E ratio and dividend yield, because both require today's live share price as the denominator, and a number computed against last week's price is actively misleading rather than just outdated. If you want either figure, take the live price from PSX's own MCB listing and divide it into the EPS or dividend figures above yourself — that keeps the volatile half of the calculation where it belongs, on a source that updates in real time.

EPS, dividend, and ROE figures confirmed directly from MCB Bank's official Annual Report 2025 (Directors' Report). Payout ratio is calculated from these two disclosed figures, not separately sourced.

Latest Results: H1 2026 (Half Year Ended June 30, 2026)

MCB's Board approved the half-year results for the period ended June 30, 2026 at its meeting on August 6, 2026 — the most recent official disclosure at time of writing, superseding the CY2025 annual figures below for anyone tracking the bank's current trajectory rather than last year's full-year close.

Alongside the H1 2026 results, MCB's Board declared a Second Interim Cash Dividend of Rs. 9.00 per share (90%) for the half year ended June 30, 2026, on top of a First Interim Cash Dividend of Rs. 9.00 per share (90%) already paid earlier in the year — continuing the same quarterly-interim-plus-final-dividend pattern seen in CY2025. No bonus or right shares were declared alongside this announcement.

H1 2026 standalone and consolidated figures, and the second interim dividend declaration, confirmed directly from MCB Bank's official PSX filing (Ref: PSX-100(5F)2026/33, dated August 6, 2026), signed by Company Secretary Farid Ahmad, including the unconsolidated and consolidated condensed interim financial statements attached to that filing.

Comparison Metrics: ROA, ROE & Deposit Mix

For comparing MCB against other Pakistani banks rather than just tracking MCB in isolation, these efficiency and funding-cost metrics — drawn from MCB's own H1 2026 disclosure — are generally more useful than the raw profit figure, since they normalize for the bank's size:

Return on Assets (ROA)

1.59% (H1 2026)

Return on Equity (ROE)

21.49% (H1 2026)

CASA (Current+Savings) Mix

55% (up from 54% at CY2025 close)

Domestic Cost of Deposits

4.43% (down from 5.23% in H1 2025)

This combination — falling cost of deposits alongside a better CASA mix — is actually the number worth watching if you're trying to judge MCB's health rather than just its headline profit. It means the bank is pulling in more cheap current/savings money and relying less on expensive term deposits, even while rate compression is squeezing margins across the whole sector. Put simply: if profit dips but this ratio is improving, that's the bank managing itself well through a hard environment, not a bank in trouble.

ROA, ROE, CASA mix, and cost-of-deposits figures confirmed directly from MCB's official H1 2026 results announcement (PSX filing dated August 6, 2026).

Capital & Liquidity Strength (H1 2026)

Beyond profitability, MCB's regulatory capital and liquidity buffers — the numbers that actually matter if you're deciding whether to trust the bank with a large deposit — remained well above State Bank of Pakistan's minimum requirements at the half-year mark:

Capital Adequacy Ratio (CAR)

19.65%

Common Equity Tier-1 (CET1) Ratio

14.93%

Liquidity Coverage Ratio (LCR)

233.41%

Net Stable Funding Ratio (NSFR)

161.14%

MCB's credit ratings were also reaffirmed by the Pakistan Credit Rating Agency (PACRA) at 'AAA' for long-term and 'A1+' for short-term, per PACRA's notification dated June 23, 2026 — the highest ratings on PACRA's scale, and a rating MCB has held consistently. Separately, MCB's H1 2026 results announcement noted the bank is expanding its branch network by 40 new branches during CY2026, having already opened 13 in the first half of the year.

CAR, CET1, LCR, NSFR, PACRA rating reaffirmation, and branch expansion figures confirmed directly from MCB Bank's official H1 2026 results announcement (PSX filing dated August 6, 2026).

2HCY26 Outlook: Deposit Growth Guidance & a Remittance-Fee Headwind

At its H1CY26 corporate briefing, MCB's leadership outlined its plans and flagged one specific headwind worth knowing if you're following the bank's trajectory rather than just its trailing results. On growth, management is targeting an additional Rs. 200–250 billion in deposit additions during the second half of CY2026, alongside the 40-branch network expansion already covered above, and reiterated a commitment to keeping the cost-to-income ratio below its 40% internal target.

On the headwind side, management disclosed that the State Bank of Pakistan's withdrawal of home remittance fee incentives, effective July 1, 2026, is expected to create an estimated Rs. 7.5 billion gross impact on MCB's bottom line, based on the bank's roughly 10% share of Pakistan's home remittance market. This is a sector-wide regulatory change, not something specific to MCB's own performance, but it's a real factor to weigh against H1's headline profit figures when assessing the second half of the year.

2HCY26 deposit growth guidance, cost-to-income target, and the SBP remittance-fee-incentive impact confirmed directly from MCB Bank's 1HCY26 corporate briefing session (August 2026).

CY2025 Results (Year Ended December 31, 2025)

MCB Bank described CY2025 as another year of resilient performance despite a challenging macroeconomic environment, citing disciplined balance sheet management and strategic execution. The bank maintained its position among Pakistan's most capitalized and actively traded banking stocks through the year.

CY2025 profit, EPS, total assets, ROA, ROE, cost-to-income ratio, and dividend figures confirmed directly from MCB Bank's official Annual Report 2025 (Directors' Report and Chairman's Review). CY2024 comparison figures confirmed from MCB's audited annual results.

CY2024 Snapshot (For Comparison)

Revenue

Rs. 186.52 billion

Operating Income

Rs. 118.42 billion

Net Income

Rs. 57.61 billion

Total Assets

Rs. 2.70 trillion

Total Equity

Rs. 227.20 billion

Employees

14,289

CY2024 figures confirmed from MCB Bank's audited annual financial statements as aggregated in public PSX-sourced company records.

Interim CY2025 Dividend Activity

Ahead of the final annual dividend, MCB Bank's Board approved an interim cash dividend of Rs. 9.00 per share for the third quarter ended September 30, 2025, in addition to interim dividends already paid earlier in the year at Rs. 18.00 per share. This pattern of regular interim payouts, on top of a final dividend declared with annual results, has been consistent for MCB Bank across recent years.

Interim dividend figures confirmed directly from MCB's official Q3 CY2025 financial results announcement to the Pakistan Stock Exchange.

Dividend Income Calculator

This deliberately isn't a live yield calculator — those already exist elsewhere and go stale the moment the share price moves. Instead, this uses MCB's actual declared CY2025 dividend (Rs. 36.00/share total) to show what a given shareholding would have earned, after the real Section 150 withholding tax that applies to every PSX dividend.

How to Read These Numbers

A profit decline doesn't automatically signal a problem — bank earnings in Pakistan are heavily influenced by the State Bank of Pakistan's policy rate, since a large share of commercial bank income comes from the spread between deposit and lending/investment rates. When the policy rate falls, net interest income across the entire banking sector tends to compress, and MCB's CY2025 decline should be read against that sector-wide backdrop rather than in isolation.

The dividend payout is arguably more informative for a retail depositor than the headline profit figure: MCB continuing to declare a substantial final dividend (90%, or Rs. 9 per share) alongside a profit decline suggests the Board assessed the bank's capital position as strong enough to maintain shareholder returns rather than conserve cash defensively.

Where to Verify These Figures Yourself

MCB Bank's full audited financial statements, including the complete balance sheet, profit and loss account, and notes to the accounts, are published as PSX company announcements and on MCB's own investor relations pages. Anyone making a financial decision based on these numbers — buying shares, opening a large deposit, or evaluating MCB against a competitor — should pull the primary PSX filing rather than relying on any secondary summary, including this one.

Good For

• Understanding MCB Bank's CY2025 profit and EPS trend
• Checking the final and interim dividend history for the year
• Comparing CY2025 results against CY2024 for context
• Finding where to verify the live MCB share price on PSX

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Verify results directly with Pakistan Stock Exchange — MCB listing, State Bank of Pakistan.