Mcb Bank Limited · PSX:MCB
Mcb Bank — 9M 2025 Earnings Presentation
12 slides from Mcb Bank's earnings presentation, Nov 13, 2025
Slide 1: MCB Bank Limited Corporate Briefing Session
MCB Bank Limited Corporate Briefing Session November 13, 2025 Presented by: Hammad Khalid Chief Financial Officer
Slide 2: MCB - At a Glance
MCB - At a Glance Branches Global Presence Customers ATMs MCB Live 8 Foreign branches Over 9.4 million 1491 ATMs across Over 1.7 Million Domestic : 1396 ➢ Sri Lanka – 5 customer accounts the country MCB Live users EPZ : 01 ➢ UAE – 2 ➢ Bahrain – 1 1 Rep Office in UK Deposits Advances Home Remittance
Slide 3: Key Highlights
Key Highlights Macroeconomic outlook; CA Concentration improved to 54% ➢ The global economy experienced uncertainty due to enactment and escalation of tariffs and trade barriers exerting significant pressure on manufacturing and distribution networks worldwide. ➢ Pakistan's economy demonstrated reco
Slide 4: Robust growth in assets - fueling future earnings
Robust growth in assets - fueling future earnings PKR in Billions Sep 2025 Dec 2024 Var. % var. Advances Portfolio: • Non-Performing Loans (Stage-3) decreased by Rs. 3.4 billion; ASSETS 3,232.77 2,703.34 529.43 19.58% • Coverage & Infection ratios of the Bank were reported at 92.24% and 7.35% respec
Slide 5: Advances & NPLs
Advances & NPLs PKR in Billions Segmentwise Advances Gross Advances (CAGR 4.11%) PKR in Billions Sep 2025 Dec 2024 Var. % var. Advances (gross) 680.68 1,094.82 (414.14) -38% Retail 58.02 68.45 (10.44) -15% 1,095 798 681 Corporate 499.33 910.90 (411.58) -45% 514 636 622 Consumer 46.68 37.24 9.44 25%
Slide 6: Diversified Investment Portfolio
Diversified Investment Portfolio Composition of Investments PKR in Billions Sep 2025 Dec 2024 T-Bills 8% 7% Sep 2025 Dec 2024 Var. % var. PIBs 85% 81% Equity securities 3% 5% Other Government Securities 3% 6% Treasury Bills 148.55 76.30 72.25 95% Debt instruments 1% 1% Pakistan Investment Bonds - Fi
Slide 7: Robust increase in Current Deposits – i.e. 28.8%
Robust increase in Current Deposits – i.e. 28.8% Total Deposits (CAGR : 12.31%) PKR in Billions Total Deposits Current Deposits Saving Deposits +117 +309 +427 PKR 2.2 trillion PKR 1.2 trillion PKR 960 billion +122 1,412 -33 1,805 1,922 2,232 1,290 1,379 - Dec-20 Dec-21 Dec-22 Dec-23 Dec-24 Sep-25 Cu
Slide 8: Navigating Profitability in a Declining Interest Rate Cycle
Navigating Profitability in a Declining Interest Rate Cycle PKR in Billions Strategic recalibration in a stabilizing economy – building a stronger, more sustainable growth path; Sep 2025 Sep 2024 Var. % var. • Narrowing margins in a normalized interest rate environment; net interest income declined
Slide 9: Strong Capital Position & Ratios
Strong Capital Position & Ratios Risk Weighted Assets (RWA) Buffer of 838bps on top of regulatory CAR Tier I Tier II RWA Sep-25 : PKR 1,479 billion CAR ORWA, 298 Sep-25 15.4% 4.5% 19.88% CRWA, 877 CAR MRWA, 303 Dec-24 15.5% 3.9% 19.35% • Bank’s total Capital Adequacy Ratio (CAR) is 19.88% against th
Slide 10: 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 PKR in Billions 247 204 209 PKR in Billions Sep 2025 Dec 2024 Var. % var. 154 Deposits 247.35 209.11 38.25 18% 123 123 116 99 96
Slide 11: Awards & Accolades
Awards & Accolades Asiamoney Awards Best Corporate Report Best Corporate Bank in Pakistan 2022 3rd – Overall Best Corporate Report Award 2024 Overall Most outstanding Company in Pakistan 2020 2nd - Best Corporate Report Award 2024 – Banking Sector Most outstanding Company in Pakistan 2020, 2019 Fina
Slide 12: Thank you!
Thank you! www.mcb.com.pk +92 42 36041998-9 investor.relations@mcb.com.pk