MCB Bank Limited, trading on the PSX as MCB, announced a profit after tax of Rs. 41.4 billion alongside a pre-tax profit of Rs. 86.3 billion for the nine-month duration ending on September 30, 2026.
Earnings reached Rs. 34.95 per share. On a consolidated level, pre-tax earnings hit Rs. 92.7 billion, while earnings after tax totaled Rs. 44.3 billion.
Management declared a third interim cash payout of Rs. 9 per share for 2026, bringing the cumulative cash dividends announced for the year to Rs. 27 per share.
Overall revenue grew 7 percent year-on-year to reach Rs. 144.3 billion. Net markup earnings climbed to Rs. 114.8 billion from Rs. 108.8 billion during the corresponding timeframe last year.
Non-markup earnings expanded 14 percent year-on-year to total Rs. 29.6 billion. Fee and commission earnings jumped 26 percent to Rs. 17.6 billion, while foreign exchange earnings touched Rs. 5.945 billion.
Dividend earnings tallied Rs. 2.735 billion, and profits from securities stood at Rs. 2.893 billion.
Operational costs rose 10 percent year-on-year, resulting in a cost-to-income proportion of 38.61 percent.
Total assets for MCB Bank expanded by Rs. 336 billion, marking a 10 percent rise from the close of 2025 to reach Rs. 3.6 trillion by September 30, 2026.
The investment portfolio grew 10.8 percent to hit Rs. 2.16 trillion.
Gross advances climbed to Rs. 819 billion. Consumer financing grew by Rs. 17 billion, or 34 percent, with total advances rising 11 percent over the first nine months of 2026 against an industry growth rate of 3 percent.
Market share for the institution climbed to 4.92 percent from 4.59 percent at the end of 2025.
Non-performing loans dropped by Rs. 710 million down to Rs. 49.05 billion compared to Rs. 49.76 billion at the conclusion of 2025. The infection rate was 5.99 percent, and the loan coverage rate reached 93.53 percent.
Depositor balances expanded by Rs. 447 billion to hit Rs. 2.71 trillion as of September 30, 2026, up from Rs. 2.26 trillion at the end of 2025. Deposit growth registered at 22.2 percent, outpacing the 9.1 percent industry growth.
Current deposits rose by Rs. 181 billion, a 15 percent increase, to reach Rs. 1.4 trillion. Deposit market share improved by 65 basis points to touch 6.03 percent.
The institution handled $3.276 billion in home remittances during these nine months, capturing roughly 10 percent of the market according to bank statements.
The capital adequacy proportion settled at 18.99 percent, while the Common Equity Tier-1 proportion was 14.80 percent. Liquidity coverage hit 236.29 percent, and the net stable funding proportion registered at 167.73 percent.
The Pakistan Credit Rating Agency maintained the long-term rating for MCB Bank at AAA and the short-term rating at A1+ through a notification issued on June 23, 2026.
The bank runs more than 1,700 branches across its consolidated network.
