Karachi: MCB Bank Limited (MCB) released its financial results for the fourth quarter of 2025, reporting a net profit after tax (NPAT) of PKR 14.2 billion, which represents a 34% increase compared to the same period last year. The bank's earnings per share (EPS) stood at PKR 11.9. Despite the annual growth, the quarterly figures showed a 7% decline from the previous quarter. Additionally, MCB declared an interim cash dividend of PKR 9.0 per share, bringing the total cash payout for the year to PKR 36.0 per share.
According to AKD Securities Limited, the bank's net-interest income (NII) for the quarter was PKR 41.0 billion, marking a 4% increase on a year-on-year basis, while remaining flat when compared to the previous quarter. The rise in the asset book was counterbalanced by a decrease in yields. The mark-up earned was recorded at PKR 83.1 billion, showing a 13% decrease year-on-year and a 1% decrease quarter-on-quarter. The mark-up expensed was PKR 42.1 billion, down 25% year-on-year and 2% quarter-on-quarter. The bank's net interest margins (NIMs) were estimated to have declined to 5.5% in the fourth quarter, compared to 6.4% in the same period last year and remaining stable from the previous quarter.
The bank's non-interest income for the fourth quarter was PKR 11.2 billion, reflecting a 7% year-on-year decrease, but a 10% increase from the third quarter of the year.
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