Half-Year Earnings Remain Strong Despite Economic Pressure
MCB Bank Limited reported a consolidated profit after tax of Rs28.1 billion for the six months ended June 30, 2026.
Consolidated profit before tax reached Rs58.8 billion during the period. The bank’s consolidated net profit was approximately four percent lower than the Rs29.4 billion recorded in the same period last year.
On a standalone basis, MCB Bank posted profit before tax of Rs55.1 billion. Profit after tax reached Rs26.5 billion.
The bank reported earnings per share of Rs22.34 for the half year. The figure was slightly lower than Rs23.04 recorded during the corresponding period of 2025.
The financial statements were approved during a board meeting chaired by Mian Mohammad Mansha.
The bank said its performance was supported by strong fundamentals, disciplined execution and continued balance sheet strength.
Digital Banking and Fee Income Support Revenue Growth
MCB Bank’s total standalone income increased by six percent to Rs93.9 billion.
Net markup income rose to Rs75.3 billion. It stood at Rs71.3 billion during the same period last year.
The improvement was supported by growth in low-cost deposits and better management of returns on the bank’s assets.
This growth was achieved despite a lower average policy rate compared with the previous year.
Non-markup income increased by seven percent to Rs18.7 billion. It was recorded at Rs17.5 billion during the first half of 2025.
Fee and commission income climbed by 21 percent to Rs11.9 billion. The increase was driven by higher transaction volumes and continued growth across the bank’s digital services.
Card-related income increased by 13 percent. Branch banking fee income rose by five percent.
Consumer banking fee income recorded a stronger increase of 27 percent. The bank linked this growth to higher customer activity and increased demand for consumer financing products.
Foreign exchange income contributed Rs4.1 billion. Dividend income added another Rs2.1 billion to the non-markup income base.
Board Approves Second Rs9 Interim Dividend
MCB Bank’s board declared a second interim cash dividend of Rs9 per share.
The payout represents a 90 percent dividend based on the face value of the bank’s shares.
MCB had already paid a first interim dividend of Rs9 per share. The latest announcement takes the total cash dividend for 2026 to Rs18 per share, or 180 percent.
Shareholders listed in the bank’s register on August 18 will qualify for the latest dividend.
The share transfer books will remain closed from August 19 to August 20, 2026.
The bank’s total assets increased to Rs3.43 trillion by the end of June. They stood at Rs3.25 trillion at the end of December 2025.
Gross advances increased by Rs67 billion, reflecting nine percent growth. The investment portfolio rose to approximately Rs2.07 trillion.
Operating expenses increased by nine percent as the bank continued investing in technology, employees and brand development.
However, MCB maintained a cost-to-income ratio of 39.2 percent, indicating continued control over operational costs.
