MCB Bank Limited (PSX: MCB) has reported a profit before tax of Rs. 86.3 billion and a profit after tax of Rs. 41.4 billion for the 9-month period ended September 30, 2026.
Earnings per share stood at Rs. 34.95. On a consolidated basis, profit before tax reached Rs. 92.7 billion, while profit after tax amounted to Rs. 44.3 billion.
The bank has declared a third interim cash dividend of Rs. 9 per share for 2026, taking its total announced cash dividends for the year to Rs. 27 per share.
Total income increased 7 percent year-on-year (YoY) to Rs. 144.3 billion. Net markup income rose to Rs. 114.8 billion from Rs. 108.8 billion in the same period last year.
Non-markup income increased 14 percent YoY to Rs. 29.6 billion. Fee and commission income grew 26 percent to Rs. 17.6 billion, while foreign exchange income reached Rs. 5.945 billion.
Dividend income amounted to Rs. 2.735 billion, and gains on securities stood at Rs. 2.893 billion.
Operating expenses rose 10 percent YoY. The bank reported a cost-to-income ratio of 38.61 percent.
MCB Bank’s total assets increased by Rs. 336 billion, or 10 percent, from the end of 2025 to Rs. 3.6 trillion at September 30, 2026.
Investment portfolio grew 10.8 percent to Rs. 2.16 trillion.
Gross advances reached Rs. 819 billion. The consumer financing portfolio expanded by Rs. 17 billion, or 34 percent. Advances grew 11 percent during the first nine months of 2026, compared with industry growth of 3 percent.
The bank’s market share increased to 4.92 percent from 4.59 percent at the end of 2025.
Non-performing loans declined by Rs. 710 million to Rs. 49.05 billion from Rs. 49.76 billion at the end of 2025. The infection ratio stood at 5.99 percent, while the loan coverage ratio was 93.53 percent.
Deposits increased by Rs. 447 billion to Rs. 2.71 trillion at September 30, 2026, from Rs. 2.26 trillion at the end of 2025. MCB reported deposit growth of 22.2 percent, compared with industry growth of 9.1 percent.
Current deposits rose by Rs. 181 billion, or 15 percent, to Rs. 1.4 trillion. The bank’s deposit market share increased by 65 basis points to 6.03 percent.
MCB Bank processed $3.276 billion in home remittances during the nine-month period, accounting for approximately 10 percent of the market, according to the bank.
Its capital adequacy ratio stood at 18.99 percent, while its Common Equity Tier-1 ratio was 14.80 percent. The liquidity coverage ratio reached 236.29 percent, and the net stable funding ratio stood at 167.73 percent.
The Pakistan Credit Rating Agency reaffirmed MCB Bank’s long-term rating at AAA and short-term rating at A1+ in a notification dated June 23, 2026.
The bank operates more than 1,700 branches across its consolidated network.
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