Slide 1: MCB Bank Limited Corporate Briefing Session
MCB Bank Limited Corporate Briefing Session April 09, 2026
Slide 2: Corporate Profile - MCB
Corporate Profile - MCB One of Pakistan’s leading financial institution with a diversified banking franchise Established: 1947 Privatized: 1991 Credit Rating: AAA / A1+ (PACRA) Ownership: The Bank is one of the flagship entities of Nishat Group, a prominent business conglomerate, having diversified
Slide 3: Footprint across Pakistan
Footprint across Pakistan covering 130+ Districts & 700+ Cities / Towns / Villages Branch Network Punjab 840 59.9% Sindh Incl. EPZ 280 20.0% Khyber Pakhtunkhwa 149 10.6% Balochistan 53 3.8% Azad Jammu & Kashmir 45 3.2% Federal Capital Territory 31 2.2% Gilgit-Baltistan 4 0.3% Total Domestic Incl. EP
Slide 4: MCB - At a Glance
MCB - At a Glance Branches Global Presence Network Customers MCB Live 8 Foreign branches 2nd largest Branch Over 9.5 million Over 1.9 Million Domestic : 1401 ➢ Sri Lanka – 5 network on customer accounts MCB Live users EPZ : 01 ➢ UAE – 2 ➢ Bahrain – 1 Consolidated basis 1 Rep Office in the UK ATMs De
Slide 5: MCB Digital Snippet
MCB Digital Snippet Digital adoption surges; strengthening scale, efficiency, and market reach MCBLive Registered Users MCB Live Throughput Volume Digital Transaction Mix 3,264Bn (based on No of Trx) 77% 1,930K 72% 1,447K +483K -------- 1,752Bn 67% +33% 1,094K +353K +1,512Bn -------- -------- 714K +
Slide 6: Robust Asset Growth Fueling Future Earnings
Robust Asset Growth Fueling Future Earnings Advances: • Gross advances closed at Rs. 736 billion, declining by Rs. 358 billion, mainly in the corporate segment. Rs. in Billions Dec 2025 Dec 2024 Var. % var. • Non-Performing Loans declined by Rs. 3.8 billion to Rs. 49.8 billion, supported by strong r
Slide 7: Summary of Balance sheet 2022-2025
Summary of Balance sheet 2022-2025 Rs. in Billions Investments Rs. in Billions CAGR 3yr (25.8%) 2022 2023 2024 2025 3yr CAGR 1,947 1,249 -82 1,167 +780 Cash & Treasury Banks 96.4 170.7 168.5 190.1 25.4% 979 +270 --------- --------- Balances with banks 24.9 35.1 27.8 39.7 16.9% --------- -7% +67% +28
Slide 8: Sustained Profitability in a Declining Interest Rate Environment
Sustained Profitability in a Declining Interest Rate Environment Rs. in Billions • Net interest income declined marginally by 2% to Rs. 146 billion, despite a sharp 42% reduction in the average policy rate from 19.38% in 2024 to 11.29% in 2025. Dec 2025 Dec 2024 Var. % var. • Non-markup income stood
Slide 9: Summary of Profit & Loss 2022-2025
Summary of Profit & Loss 2022-2025 Rs. in Billions Rs. in Billions 2022 2023 2024 2025 3yr CAGR Net Interest Income CAGR 3yr (18.7%) 148 149 146 +1 -3 Interest Income 200.8 328.1 367.0 293.8 13.5% --------- --------- +1% -2% Interest Expense 113.6 180.4 217.9 148.2 9.3% 87 +61 Net Interest Income 87
Slide 10: Key Ratios 2022 - 2025
Key Ratios 2022 - 2025 2022 2023 2024 2025 • NIM declined from 6.2% in 2024 to 5.1% in 2025, primarily Average Policy Rate % 13.4% 20.8% 19.4% 11.3% due to a sharp reduction in average policy rate by 809bps Net Interest Margin % 4.6% 7.1% 6.2% 5.1% YoY. YoY Deposit Growth % -2.3% 30.9% 6.5% 17.6% •
Slide 11: Operating Segments as per IFRS-8
Operating Segments as per IFRS-8 Rs. in Billions 147.0 Retail Banking 23.6 23.0 Treasury 117.6 105.5 72.1 This includes retail deposits and This includes fixed income and lending, branch banking services and equity securities, lending’s and debit cards. borrowings from financial Total Income Profit
Slide 12: Strong Capital Position & Ratios
Strong Capital Position & Ratios Buffer of 8.03% on top of regulatory CAR Risk Weighted Assets (RWA) Rs. in Billions Tier I Tier II RWA Dec-25 : Rs. 1,602 billion CAR 14.38% 5.15% ORWA, 341 Dec-25 19.53% CRWA, 939 CAR Dec-24 15.49% 3.86% MRWA, 322 19.35% • Bank’s total Capital Adequacy Ratio (CAR) i
Slide 13: MCB Islamic Bank - Snapshot
MCB Islamic Bank - Snapshot MCB is operating a wholly owned Islamic Subsidiary – MCB Islamic Bank Islamic Business - SoFP Key Indicators MCB Islamic – Deposits & Advances Rs. in Billions Rs. in Billions 269 Rs. in Billions 2025 2024 Var. % var. 204 209 154 Deposits 268.93 209.11 59.83 29% 123 129 Gr
Slide 14: Awards & Accolades - 2025
Awards & Accolades - 2025 International Finance ICAP and ICMAP SAFA Awards Awards Fastest Growing Corporate Best Corporate Report Silver Award for Best Bank in Pakistan Award 2024 – Presented Annual Report Runner-up (Banking Sector) 2024 (Private Sector Banks) Pakistan Stock Pakistan Remittance Exch
Slide 15: Key Business Risks
Key Business Risks The Bank operates within a comprehensive risk management framework supported by robust governance, ensuring alignment with defined risk appetite and regulatory expectations. Credit The Bank is exposed to credit risk arising from lending and investment activities. Risk is assessed
Slide 16: Thank you!
Thank you! www.mcb.com.pk +92 42 36041998-9 investor.relations@mcb.com.pk