Mcb Bank LimitedPSX: MCB

Financial results for the year ended december 31, 2025

Feb 4, 2026 at 8:41 AM UTC · Issued by Mcb Bank Limited

PSX-100(5F)2026/02

February 04, 2026

General Manager

Pakistan Stock Exchange Limited

Stock Exchange Building Stock Exchange Road Karachi.

Dear Sir,

T: +92 42 36041998-9

E: corporate.affairs@mcb.com.pk

Sub: FINANCIAL RESULTS FOR THE YEAR ENDED DECEMBER 31, 2025

We have to inform you that the Board of Directors of MCB Bank Limited in its meeting held on February 04, 2026a at 12:00 Noon (PST), at 9th Floor, MCB House, 15-Main Gulberg, Lahore, Pakistan/ via zoom, recommended the following:

CASH DIVIDEND

A Final Cash Dividend for the year ended December 31, 2025 at PKR 9.00 per share i.e. 90 %. This is in addition to Interim Dividends already paid at PKR 27.00 per share i.e. 270 %.
BONUS SHARES
Nil
RIGHT SHARES
Nil
AND/OR
AND/OR
AND/OR
ANY OTHER ENTITLEMENT/CORPORATE ACTION
Nil
AND/OR
ANY OTHER PRICE-SENSITIVE INFORMATION
Nil
The required Standalone and Consolidated Statements are attached as:
- Annexure - A (Standalone)
- Annexure - B (Consolidated)

The Annual General Meeting of the Bank will be held on March 27, 2026, at 11:00 AM (PST), at

Lahore, Pakistan.

The above entitlement will be paid to the shareholders whose names will appear in the Register of

Members as on March 17, 2026.

Page 1 of2

Registered Office: MCB Building, 15-Main Gulberg, Jail Road, Lahore, Pakistan

U : +92 42 111 000 622 T : +92 42 3604 1998-9 E : info@mcb.com.pk www.mcb.com.pk

T: +92 42 36041998-9

E: corporate.affairsOmcb.com.pk

The Share Transfer Books of the Bank will be closed from March 18, 2026 to March 27, 2026 (both days inclusive). Transfers received at the office of Bank's Share Registrar, M/s THK Associates (Pvt.) Limited, Plot No. 32-C, Jami Commercial Street 2, D.H.A., Phase VII, Karachi, at the close of business hour by March 17, 2026, will be treated in time for the purpose of above entitlement to the transferees.

The Annual Financial Statements (Annual Report) of the Bank for the year ended December 31, 2025 shall be transmitted through PUCARS at least 21 days before holding of Annual General Meeting.

Yours sincerely,

Farid Ahmad many Secretary

Encl:

CC:

As above

Executive Director/HOD,

Offsite-II Department, Supervision Division, Securities & Exchange Commission of Pakistan, 63, NIC Building, Jinnah Avenue, Blue Area, Islamabad.

Page 2 o/2

Registered Office: MCB Building, 15-Main Gulberg, Jail Road, Lahore, Pakistan

U : +92 42 111 000 622 T : +92 42 3604 1998-9 E : info6mcb.com.pk www.mcb.com.pk

UNCONSOLIDATED STATEMENT OF FINANCIAL POSITION AS AT DECEMBER 3t, 2025

ASSETS

Note 2025 2024

---------Rupees in '000---------

Cash and balances with treasury banks	7	190,083,526	168,507.615
Balances with other banks	8	39,698,066	27,84 1,879
Lendings to financial institutions	9	99,048,299	55,655,504
investments	10	1,947,224,674	1,167,452,611
Advances	11	690318,710	1,041,626,286
Property and equipment	12	97,069,222	82,694,343
Right-of-use assets	13	7 456,518	6,045,346
Intangible assets	14	1,351,034	1,314.143
Other assets	15	174 806 913	152,201,578
Total Assets		3,247,05G,962	2,703,339,305
LIABILITIES
Bills payable	17	25,617,252	41,827,458
Borrowings	18	457,871,857	268,486,812
Deposits and other accounts	19	2,261,275,030	,922,211,999
Lease liabilities	20	11,804,530	9,586,216
Subordinated debt Deferred tax liabilities	21	44,947,104	16,637,759
Other liabilities	22	129,799,963	174,329,721
Total Liabilities		2,931,315,736	2,433,079,965
NETASSETS		315 741 226	270,259,?40
REPRESENTED BY Share capital	23	11,850,600	11,850,600
Reserves	24	109,983,273	104.929,819
Surplus on revaluation of assets	25	72,105,363	43.053,137
Unappropriated profit		121,801,990	110,425,784
		315,741,226	270,259,340
CONTINGENCIES AND COMMITMENTS	26

The annexed notes 1 to 51 and annexures I to II form an integral part of these unconsolidated financial statements.

Pte

Chief Financial Officer President / Chief Executive

Director Director

Director

UNCONSOLIDATED STATEMENT OF PROFIT AND LOSS ACCOUNT

FOR THE YEAR ENDED DECEMBER 3t, 2025

Note 2025 2024

- ---Rupees in '000--------

Mark-up / return / interest earned	28	293,830,465	36z,020,252
Mark-up / return / interest expensed	29	148,228,15?	217,925,6g4
Net mark-up / interest income		145,602,310	149,094,568
NON MARK-UP / INTEREST INCOME
Fee and commission income	30	19,273,981	21,190.9G6
Di 'idend income		5,055,945	3,491,5Z2
Foreign exchange income		10 186,596	9,168.427
Income from derivatives		4,066	1,582
Gain on securities - net	31	E85,104	3,142,0?3
Net gains / (losses) on derecogni1ion of financial assets measured al amortised cost
Othei income	32	592,198	429,310
Total non-markup / interest income		35,C01,890	37,432,180
Total income		181 .404,200	86,526,748
NON MARK-UP / INTEREST EXPENSES
Operating expenses	33	55,439,757	60,962,g82
WoAers Welfare Fund Other charges	34	2,309,0o2 464,133	2,368.401 44o,893
Total non-markup / interest expenses		Z1,211,g52	63. 7?,1 VG
Profit before credit loss allowance		110,192,248	122.751,572
Credit loss allowance and write offs - net	35	(5,yb0,938)	4,3J1,S27
PROFIT BEFOftE TAXATION		115,4?3,086	118.420.045
Taxation	36	61,25"/,*52	60,805,535
PROFIT AFTER TAXATION		54,195,134	57,614 510

---Ripees----

Basic and diluted earnings per share

37 45.73

48 62

The annexed notes 1 to 51 and annexures I to II form an integral part of these unconsolidated financial st tern ts.

Chief Financial Officer President / Chiof Executive

Directcr

OireCtOF

60¥.317 8,Sa5.375

i3c6.o5e

7.2iS.«1 t

6,0*0.575

45,660

39,471

MCB BANK LIMITED

UNCONSOLIDATED CASH FLOW STATEMENT FOR THE YEAR ENDED DECEMBER 31, 2025

t4ote

2025 2024

-----Rupee$ln'OOO----.-

CASH FLOW FROM OPERATING ACTIVITIES
Profit before taxation		11 ,453,086	10,420.045
Less: Dividend income		(5.051 .^45i	(3.491,522)
		110.393,141	114.928,523
Adjustments:
Net-mark-up / interest income		(J4»,602,310)	(149,004,568
Depreciation on property and equipment	12.2	4,43G,685		3,823,750
Depreciation on right-of-use assets	33	1,81^.,939		1,695,2Gb
Depreciation on non-banking assets acquired in satisfaction of claims	33	16,443		1g,300
Amcnization	14	J46,051		573,410
Credit loss allowance and write offs - r›et	35	(5,260,t36)		4,331,u27
'/crkurs Welfare Fund		2,309,OCZ		2.368,401
Gain on sale of non-banking assets acquif'ed in satisfaction of claims - net	32			(2,008
Finance changes on lease liability against right-of-use assets	29	1,899,239		1,567,504
Reversal for defined benefit pIa.a - net	33.1	(83S,z44›		(501,969)
Gain on sale of property and equipment - nef	32	(311,598)		(200,989)
Gain on termination of lease liability against right-of-use assets	32	(82,102		(78,740)
Unrealized gain on forward contracts of government securities	31			(2.096,975)
Unrealized gain on revaluation of investments classified as FVTPL	31	(261687›		(218 457
		(141,338,460		137,81? t28)
		(3(),945, 19)		(22.886,905)
Decrease / (increase) in operating assets
Lendii›gs to financial institutions		(s3,393,7C6		4U,55/.87*
Securities classified as FVTPL		526,787		2.624.554
Advances Others assets (exclucling advance taxation)		"456.405,472 C45,775		(489.922,274) 5+J,366,836
		314,186.2G9		(387,373,010)
Increase / (decrease) In operallng llabilities

Bills payable

Borrowings from financial institutions Deposits

Other liabilities (excluding current taxation)

(16,x10,206) 1.90,642,940

°J30,063,031 8,"J95.955)

505.099.810

16,847,311

58,074,752

122,25-/, 132

10 2é3,074

209.272,270

Mark-up / inierert received Mark-up / interest paid Defined benefits paid home tax paid

Net cash tcw from / (used in) operating activities

CASH FLOW FROM INVESTING ACTIVITIES

Net (iiivesimenlj / divestment in securities classified as FVUGI Net investment in securities classified as amortised cost Dividerias received

Investments in property and equipment Investments in iritangib!e assets Disposals of property and equipment

Disposals of non-banking assets acquired in satisfacton of claims Net cash outflow on deme 8er

investment in subsidiary

Effect of translation of net investment in foreign branches

278,907,778 375,578,719 (102,?fJ0,452) (J84,354,5G3) (269.383) (371,278)

(7J.763.28g) (77,074,348 810,507,413 (88,209,116)

Net cash flow (used in) / from investing activities

t730,723,835)

121.225.702

(/31,934,669j G,tl11,364 5,056.6J6

(11,542.581)

(586,307 2,J5"/,177

281,000

(366,059

131,607,146

1,625,d50

3,4^7,816 (^J,826.605 (840.697)

32 ,524

260,000

(5.078,964

(1,000.000)

444,832

CASH FLOW FROM FINANCING ACTIVITIES

Dividend paid

Payment of lease liability against right-of-use-assets Net cash flow used in financing activities

38.1 (42 9 (42.335,753)

38.1 83 3 f2,452,883)

(45,135,624) (44,788,636)

Effects of credit loss allowance changes on cash snd cash equivalents

Cash and caEh equivalents transferred to MIB ‹under the soheme of delrergef

52,714

(323,834)

Increase / (decrease) in cash and cash equivalents

Cash and cash equi'zaIents at beginning of the year

Effects of exchange rate cnames on cash wild cash equivalents Opening expected credit loss allowance o‹› cash and cash equivalents

Cash and cash equivalents at and of the year

34.G89,993

192,110.469

408,728

62.567T

102,046,C?tJ

(1?c,043,170)

1J2 046.630

The annexed notes 1 to 51 and annexur«s I to II form an integral part of tnesc uncoi sclidated financial statement

Chief Financial Officer President / Chief Executive Director

CONSOLIDATED STATEMENT OF FINANCIAL POSITION AS AT DECEMBER 31, 2025

NOt4l 2025 2024

-------Rupees In '000-----

ASSETS
Cash and balances with treasury banks	7	211,224,339	186,680,045
Balances with other banks	8	41,825,804	28,854,218
Lendings to financial institutions	9	99,041,793	57,655,504
Investments	10	2,099,046,161	1,306,556,156
Advances	11	821,711,633	1,165,914.626
Property and equipment	12	103,683,770	88,019,025
Right-of-use assets	13	10,442,271	8,452,814
Intangible assets	14	3,453,209	2,650,482
Other assets	15	188,312,726	164,938,886
Total Assets		3,578,741,706	3,009,721,756
LIABILITIES
Bills payable	17	31,132,570	53,421,951
Borrowings	18	476,169,106	320,236,834
Deposits and other accounts	19	2,529,503,221	2,130,525,378
Lease liabilities	20	15,505,119	12,663.814
Subordinated debt
Deferred tax liabilities	21	49,340,982	20,824,376
Other liabilities	22	139,912,047	184,802, 159
Total Liabilities		3,241,563,045	2,722,474,512
NET ASSETS		337, 178 661	287 247 244
REPRESENTED BY
Share capital	23	11,850,600	11,850,600
Reserves	24	113,681,018	108,157,770
Surplus on revaluation of assets	25	74,810,215	45,811,069
Unappropriated profit		136,068.597	120,926,276
		336 410,430	286 745,715
Hon-controlling interest		768,231	501,529
		337, 178 661	287,247 244
CONTINGENCIES AND COMMITMENTS	26

The annexed notes 1 to 51 and snnexure I form an integral part of these consolidated financial statements.

Chief Financial Officer President / Chief Executive

Director

CONSOLIDATED STATEMENT OF PROFIT AND LOSS ACCOUNT FOR THE YEAR ENDED DECEMBER 31, 2025

Note 2025 2024

--------Rupees in '000-----

Mark-up / return / interest earned	28	327,508,057	413,551,319
Mark-up / return / interest expensed	29	166,304,983	245,603,966
Net mark-up / interest income		161,203,074	167,947,353
NON MARK-UP / INTEREST INCOME
Fee and commission income	30	24,347,202	24,784,627
Oividend income		4,449,984	2,929.796
Foreign exchange income		10,856,153	9,613,683
Income from derivatives		4,066	1,982
Gain on securities - net	31	1,187,921	3,466,555
Net gains / (losses) on derecognition of financial assets measured at amortised cost
Other income	32	557,682		443,544
Total non-markup / interest income		41,403,008	41,240,187
Total income		202,606,082	209,187,540
NON MARK-UP / INTEREST EXPENSES
Operating expenses	33	82,413,997	72,527,182
Workers Welfare Fund		2,471,691	2,599,084
Other charges		494,856	447,184
Total non-markup / interest expenses		85.380,544	75,573,450
Share of profit of associates		2,826,590	2,441,139
Profit before credit loss allowance		120.052,128	156,055,229
Gredit loss allowance and write offs - net	35	(5.066,789)		4,878,210
PROFIT BEFORE TAXATION		125,118,917		131,177,019
Taxation	36	66,343,509		67,711,345
PROFIT AFTER TAXATION		58,775,408		63,465,674
Attributable to:
Equity shareholders of the Bank		58,415,056		63,225,058
Non-controlling interest		360,352		240.616
		58 775 408		63,465 674

---Rupees------------

Basic and diluted earnings per share attributable to ordinary shareholders

37 49.29

5335

The annexed notes 1 to 51 and annexure I form an integral part of these consolidated financial state Ents.

1teo

Chief Financial Officer President / Chief Executive Oirec o

Dir6CtOl'

Director

°"'»,:°''•=""*›mtted

42g'761

{t ta.7a7j

MCB BANK LIMITED AIID SUBSIDIARY COMPAI4IES CONSOLIDATED CASH FLOW STATEMENT

FOR THE YEAR ENDED DECEhâBER 31, 2025

NOt6

2025 2024

-------Rupees In '000-------

CASH FLOW FROM OPERATING ACTIVITIES Profit before taxation		125,118,917	131,177,019
Less: Dividend income and share of profit of associates		(7,276 574)	(5,370,935)
		117,842,343	125,806,084
Adjustments:
Net-mark-up / interest income		(161,203,074	(167,947,353)
Depreciation on property and equipment	12.2	5,294,504	4,507,526
Depreciation on right-of-use assets	33	2,706,766	2,365,859
Depreciation on non-banking assets acquired in satisfaction of claims	33	16,443	18.390
Amortization	14	665,266	766,220
Credit loss allowance and write offs - net	35	(5,066,789	4.878,210
Workers Welfare Fund		2,471,691	2,599,084
Gain on safe of non-banking assets acquired in satisfaction of claims - net	32		(2,008)
Finance charges on lease liability against right-of-use assets	29	2,368,490	1,959.921
Reversal for defined benefit plan - net	33.1	{839,244	(501,969)
Gain on sale of property and equipment - net	32	(312,846)	(223,852)
Gain on termination of lease liability against right-of-use assets	32	(82,102	(86.514)
Unrealized gain on forward contracts of government securities	31		(2,096,975)
Unrealized gain on revaluation of investments classified as FVTPL	31	(408 165	(209 681)
		(154,389,060)	{153,973,142)
Decrease / (increase) in operating assets		(36.546,717)	(28,167,058)
Lendings to financial institutions		(41,387,308	32,057,874
Securities classified as FVTPL		(1,981,095	3,720,083
Advances		349.100,781	(525,532,657)
Others assets (excluding advance taxation)		(2384 450	57 442,600
		303.347,928	(432,312,100)
Increase / (decrease) in operating liabilities
Bills payable		(22,289,381)	26,150,5b7
Borrowings from financial institutions		157,191,166	92,851,227
Deposits		398,977,843	120,696,759
Other liabilities (excluding current taxation)		(6,662 114)	11,176,745
		527,217,514	250,875,298
Mark-up / interest received		313,052,207	424,399,489
Mark-up / interest paid		(200,739,450)	(211,787,332)
Defined benefits paid		(269,383)	(371,278)
Income tax paid		(77,934,645)	f83.897.007)
Net cash flow from / (used in) operating activities		828,127,454	(81,259,988)
CASH FLOW FROM INVESTING ACTIVITIES
Net (invastmant) / divestment in securities classified as FVOCI		(740,909,285	111,610,547
Net investment in securities classified as amortised cost		6,315,691	9,671,566
Dividends received		4,721,616	3,157,361
Investments in property and equipment		(13,459.479)	(11.907,944)
Investments in intangible assets		(1,470,458)	(1,555,297)
Disposals of property and equipment		2,059,203	361,180
Disposals of non-banking assets acquired in satisfaction of claims		281,000	280,000
Net investment in associates		51,861	(88,050)
Effect of transla8on of net investment in foreign branches and subsidiary		/352,163)	431,337
Net cash flow (used in) / from investing activities		(742,762.014)	111,960.700
CASH FLOW FROM FINANCING ACTIVITIES Dividend paid	38.1	(42,393,173)	(42,415,715)
Payment of lease liability against right-of-use-assets	38.1	(4,157,320)	(3,457,629)
Net cash flow used in financing activities		(46,550,493)	{45,873,344)
Effects of credit loss allowance changes on cash and cash equivalents		(^0,173J	54,854
Increase / (decrease) In cash and cash equivalents		38.774,774	(15,117,778)
Cash and cash equivalents at beginning of the year		211,371,537	227,436,013
Effects of exchange rate changes on cash and cash equivalents		498,728	(403.227)
Opening expected credit loss allowance on cash and cash equivalents		(582 389/	627,132
		211.287,87C	226,405,654
Cash and cash equivalents at end of the year	38	250 062 650	211 287 876

The annexed notes 1 to 51 and annexure I form an integral part of these consolidated financial statements.

Chief Financial Officer President / Chlet Executive DIrector

Director