MCB Bank Limited reported a profit after tax (PAT) of Rs. 41.4 billion for the nine months ended September 30, 2026, and declared a third interim cash dividend of Rs. 9 per share, taking its total announced dividend for 2026 to Rs. 27 per share.

The bank’s board approved the financial results on October 22, 2026. Earnings per share stood at Rs. 34.95, while profit before tax reached Rs. 86.3 billion. On a consolidated basis, profit after tax amounted to Rs. 44.3 billion and profit before tax stood at Rs. 92.7 billion.

MCB Bank’s 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 grew 14 percent YoY to Rs. 29.6 billion. Fee and commission income increased 26 percent to Rs. 17.6 billion. Foreign exchange income contributed Rs. 5.945 billion, while dividend income and gains on securities stood at Rs. 2.735 billion and Rs. 2.893 billion, respectively.

Operating expenses increased 10 percent YoY, while the bank’s cost-to-income ratio stood at 38.61 percent.

Total assets increased by Rs. 336 billion, or 10 percent, from the end of 2025 to Rs. 3.6 trillion at September 30, 2026. The investment portfolio grew 10.8 percent to Rs. 2.16 trillion.

Gross advances reached Rs. 819 billion, while the consumer financing portfolio expanded by Rs. 17 billion, or 34 percent. MCB’s advances grew 11 percent during the first nine months of 2026, compared with industry growth of 3 percent. Its market share increased to 4.92 percent from 4.59 percent at the end of 2025.

Non-performing loans fell 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 reached 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. Deposit growth stood at 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. MCB’s deposit market share increased by 65 basis points to 6.03 percent.

The bank processed $3.276 billion in home remittances during the nine-month period, representing approximately 10 percent of the market, according to the bank.

MCB’s 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 credit rating at AAA and short-term rating at A1+ in a notification dated June 23, 2026.

MCB Bank operates more than 1,700 branches across its consolidated network.