Lahore: MCB Bank Limited has reported robust financial results for the nine months ending September 30, 2026, showing significant earnings growth and balance sheet expansion. The bank declared a third interim cash dividend of Rs. 9.00 per share, bringing the total dividend to Rs. 27.00 per share for the year, reflecting its strong financial standing and commitment to delivering returns to shareholders.
According to MCB Bank Limited, the financial results were driven by strategic deposit mobilization and growth across key business areas despite challenging economic conditions. The bank reported a Profit Before Tax (PBT) of Rs. 86.3 billion and a Profit After Tax (PAT) of Rs. 41.4 billion, with earnings per share at Rs. 34.95. Consolidated PBT and PAT were reported at Rs. 92.7 billion and Rs. 44.3 billion, respectively, indicating strong earnings and effective resource deployment.
The bank's total income rose by 7% year over year to Rs. 144.3 billion, supported by an increase in net markup income to Rs. 114.8 billion. Non-markup income also grew by 14% to Rs. 29.6 billion, driven by a rise in digital banking and higher transaction volumes. Despite a 10% increase in operating expenses due to investments in technology and human resources, MCB maintained a cost-to-income ratio of 38.61%.
MCB's balance sheet saw a 10% increase in total assets, reaching Rs. 3.6 trillion by the end of September. The investment portfolio expanded by Rs. 211 billion, while gross advances grew by 11%, surpassing industry growth and increasing the bank's market share. Asset quality remained stable, with non-performing loans declining and the coverage ratio improving.
The bank's deposit mobilization efforts resulted in a 22.2% growth in total deposits, far exceeding the industry's 9.1% growth rate. This increase enhanced MCB's market position, with a significant rise in current deposits. MCB also maintained a strong position in the home remittance market, processing USD 3.276 billion in remittance inflows during the period.
MCB's capital and liquidity positions remained strong, with a Capital Adequacy Ratio (CAR) of 18.99% and a Common Equity Tier-1 (CET1) ratio of 14.80%. The bank's liquidity was robust, with a Liquidity Coverage Ratio (LCR) of 236.29% and a Net Stable Funding Ratio (NSFR) of 167.73%. Credit ratings by the Pakistan Credit Rating Agency (PACRA) were reaffirmed at 'AAA' for long-term and 'A1+' for short-term.
With over 1,700 branches, MCB Bank continues to be one of the leading financial institutions in Pakistan, focusing on digital expansion and operational efficiency to provide long-term value to its shareholders.