Last close · 16 Oct 2026
Rs 374.53 +0.93%
Annual · FY2006 – FY2025
MCB Bank Limited (MCB) cash flow statement
Operating activities generated Rs 675.7 bn of cash in FY2025 (Jan – Dec 2025). Capital expenditure was Rs 14.9 bn. Dividends paid to shareholders came to Rs 42.4 bn. Overall, cash increased by Rs 38.7 bn.
| Rs bn | FY2025 * Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 * Jan – Dec 2022 | FY2021 * Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 * Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 | FY2015 Jan – Dec 2015 | FY2014 Jan – Dec 2014 | FY2013 Jan – Dec 2013 | FY2012 Jan – Dec 2012 | FY2011 Jan – Dec 2011 | FY2010 Jan – Dec 2010 | FY2009 * Jan – Dec 2009 | FY2008 * Jan – Dec 2008 | FY2007 Jan – Dec 2007 | FY2006 Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | 675.7 | (171.0) | 567.5 | (103.4) | 22.9 | 202.5 | 194.6 | 45.1 | 91.2 | 67.7 | 29.2 | 33.2 | 111.0 | 58.5 | 111.6 | 78.2 | 56.6 | 19.4 | 47.1 | 7.5 |
| Capital expenditure | (14.9) | (13.5) | (8.8) | (5.3) | (3.7) | (3.4) | (5.8) | (5.2) | (5.4) | (4.3) | (4.1) | (4.8) | (4.7) | (3.4) | (2.5) | (2.6) | (1.9) | (2.2) | (3.0) | (1.9) |
| Net cash from investing activities | (747.5) | 108.8 | (320.1) | (7.3) | (47.2) | (283.2) | 1.4 | (101.0) | (78.8) | 3.2 | (49.0) | (50.6) | (55.1) | (83.4) | (106.8) | (48.6) | (70.8) | 7.6 | (52.3) | 4.2 |
| Dividends paid | (42.4) | (42.4) | (32.4) | (21.9) | (34.2) | (11.9) | (18.9) | (20.2) | (17.3) | (17.9) | (17.3) | (15.3) | (12.8) | (11.9) | (9.8) | (8.6) | (6.7) | (9.8) | (4.7) | (3.1) |
| Net cash from financing activities | 110.6 | 47.0 | (156.0) | 49.5 | 60.4 | 78.5 | (154.5) | 61.7 | 20.5 | (58.7) | 41.4 | 6.1 | (53.0) | 27.4 | 4.1 | (27.5) | 15.3 | (27.1) | 9.6 | 2.2 |
| Net change in cash | 38.7 | (16.1) | 101.9 | (51.6) | 41.4 | (0.7) | 45.0 | 11.4 | 34.0 | 11.7 | 21.7 | (12.0) | 3.7 | 3.0 | 9.2 | 2.2 | 1.8 | (1.7) | 4.1 | 13.9 |
| Rs mn | FY2025 * Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 * Jan – Dec 2022 | FY2021 * Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 * Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 | FY2015 Jan – Dec 2015 | FY2014 Jan – Dec 2014 | FY2013 Jan – Dec 2013 | FY2012 Jan – Dec 2012 | FY2011 Jan – Dec 2011 | FY2010 Jan – Dec 2010 | FY2009 * Jan – Dec 2009 | FY2008 * Jan – Dec 2008 | FY2007 Jan – Dec 2007 | FY2006 Jan – Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | — | -130.1% | — | -552.2% | -88.7% | +4.1% | +331.6% | -50.6% | +34.8% | +131.6% | -12.1% | -70.0% | +89.5% | -47.6% | +42.7% | +38.1% | +191.8% | -58.8% | +527.4% | — |
| Capital expenditure | +10.9% | +52.2% | +65.4% | +46.2% | +7.2% | -41.5% | +12.4% | -4.2% | +25.4% | +6.5% | -14.8% | +1.7% | +37.0% | +39.5% | -5.8% | +34.7% | -10.6% | -27.0% | +59.9% | — |
| Net cash from investing activities | -787.0% | — | — | — | — | -20,826.8% | — | — | -2,596.4% | — | — | — | — | — | — | — | -1,031.4% | — | -1,332.6% | — |
| Dividends paid | -0.1% | +31.0% | +47.8% | -36.0% | +188.2% | -37.1% | -6.3% | +16.4% | -3.1% | +3.4% | +13.2% | +19.7% | +7.3% | +21.5% | +14.2% | +27.2% | -31.5% | +108.0% | +51.4% | — |
| Net cash from financing activities | +135.5% | — | -415.1% | -18.1% | -23.0% | — | -350.3% | +200.8% | — | -241.8% | +575.5% | — | -293.6% | +573.1% | — | -280.5% | — | -381.3% | +340.7% | — |
| Net change in cash | — | -115.8% | — | -224.4% | — | -101.5% | +295.0% | -66.5% | +191.6% | -46.1% | — | -423.4% | +22.1% | -67.2% | +326.4% | +23.3% | — | -141.9% | -70.2% | — |
Change against the previous fiscal year; shown when the earlier figure is positive.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.
All reported line items 64
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profit/(Loss) - Starting Line - Cash Flow | 125.1 | 131.2 | 137.5 | 75.3 | 53.3 | 49.3 | 40.2 | 30.8 | 30.6 | 36.7 |
| Non-cash Items & Reconciliation Adjustments - Cash Flow | (161.9) | (159.7) | 7.5 | 2.5 | (2.0) | 12.4 | 7.0 | 1.1 | 1.0 | 0.9 |
| Equity Income/(Loss) in Net Earnings - Cash Flow - to Reconcile | — | — | — | — | — | — | 0.0 | (0.1) | (0.3) | (0.1) |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | (164.8) | (169.7) | 0.5 | 0.0 | (0.7) | 0.7 | 0.3 | (0.4) | (1.9) | (2.2) |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 8.7 | 7.7 | 6.1 | 5.2 | 4.8 | 4.6 | 4.3 | 2.6 | 2.2 | 2.1 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 8.0 | 6.9 | 5.6 | 4.6 | 4.3 | 4.1 | 3.9 | 2.3 | 1.9 | 1.7 |
| Amortization - Intangible Assets & Deferred Charges - Cash Flow - to Reconcile | 0.7 | 0.8 | 0.6 | 0.6 | 0.5 | 0.5 | 0.4 | 0.4 | 0.3 | 0.4 |
| Loan Loss Provision including Impairment - Increase/(Decrease) - Cash Flow | (5.1) | 4.9 | 0.3 | (2.0) | (4.7) | 7.4 | 2.7 | (0.8) | 1.0 | 1.2 |
| Impairment - Property, Plant & Equipment including Intangible Assets - Cash Flow - to Reconcile | — | — | — | — | 0.0 | 0.0 | — | 0.0 | 0.0 | — |
| Impairment - Financial Fixed Assets - Operating - Cash Flow - to Reconcile | — | (0.0) | 0.8 | (0.6) | (0.8) | (0.1) | — | — | — | — |
| Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile | (0.3) | (0.2) | (0.2) | (0.1) | (0.7) | (0.1) | (0.2) | (0.3) | (0.0) | (0.1) |
| Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow | (0.3) | (0.2) | (0.2) | (0.1) | (0.7) | (0.1) | (0.2) | (0.3) | (0.0) | (0.1) |
| Financial Assets - Unrealized Gain/(Loss) - Cash Flow - to Reconcile | (0.4) | (2.3) | 0.0 | 0.0 | 0.0 | (0.1) | (0.1) | 0.0 | 0.0 | (0.0) |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 77.9 | 83.9 | 66.2 | 28.4 | 21.7 | 16.3 | 2.5 | 3.4 | 7.8 | 16.3 |
| Interest Paid - Cash | 200.7 | 211.8 | — | — | — | — | — | — | — | — |
| Interest & Dividends - Received - Total - Cash Flow | 317.8 | 427.6 | 2.7 | 2.3 | 2.2 | 1.2 | 1.4 | 1.6 | 1.6 | 1.4 |
| Cash Flow from Operating Activities before Changes in Working Capital | 2.3 | 103.3 | 81.6 | 51.7 | 31.7 | 46.6 | 46.1 | 30.1 | 25.4 | 22.6 |
| Working Capital - Increase/(Decrease) - Cash Flow | 673.4 | (274.3) | 485.9 | (155.1) | (8.8) | 155.9 | 148.4 | 15.0 | 65.8 | 45.1 |
| Other Assets - Decrease/(Increase) - Cash Flow | (4.4) | 61.2 | (109.5) | (31.4) | (4.5) | 17.6 | (17.7) | (11.2) | (2.7) | 3.0 |
| Lending & Deposits - Due from Banks - Long-Term - Decrease/(Increase) - Cash Flow | (41.4) | 32.1 | (33.1) | (16.0) | (22.6) | (11.9) | 33.1 | (33.9) | (2.5) | 0.1 |
| Loans - Customer - Decrease/(Increase) - Cash Flow | 349.1 | (525.5) | 174.1 | (156.5) | (134.0) | (6.7) | 18.6 | (63.1) | (64.3) | (48.8) |
| Other Liabilities - Increase/(Decrease) -Total - Cash Flow | (29.0) | 37.3 | (22.7) | 50.6 | 6.5 | (5.2) | 10.1 | 2.0 | 11.6 | 1.3 |
| Deposits - Increase/(Decrease) - Total - Cash Flow | 399.0 | 120.7 | 477.1 | (1.9) | 145.8 | 162.1 | 104.3 | 121.2 | 123.7 | 89.4 |
| Net Cash Flow from Operating Activities | 675.7 | (171.0) | 567.5 | (103.4) | 22.9 | 202.5 | 194.6 | 45.1 | 91.2 | 67.7 |
| Capital Expenditures - Net - Cash Flow | 12.6 | 12.8 | 6.8 | 4.8 | 1.2 | 3.2 | 5.1 | 3.9 | 5.3 | 3.6 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 11.1 | 11.3 | 6.1 | 4.4 | 0.7 | 2.8 | 4.2 | 3.6 | 4.6 | 3.6 |
| Property, Plant & Equipment - Purchased - Cash Flow | 13.5 | 11.9 | 8.1 | 4.9 | 3.2 | 3.1 | 4.9 | 4.8 | 4.7 | 4.3 |
| Property, Plant & Equipment Sold - Cash Flow | 2.3 | 0.6 | 2.1 | 0.6 | 2.5 | 0.2 | 0.7 | 1.3 | 0.1 | 0.7 |
| Intangible Assets - Purchased/(Sold) - Net - Total - Cash Flow | 1.5 | 1.6 | 0.7 | 0.4 | 0.5 | 0.4 | 0.9 | 0.4 | 0.7 | — |
| Intangible Assets - Purchased/Acquired - Cash Flow | 1.5 | 1.6 | 0.7 | 0.4 | 0.5 | 0.4 | 0.9 | 0.4 | 0.7 | — |
| Capital Expenditures - Total | 14.9 | 13.5 | 8.8 | 5.3 | 3.7 | 3.4 | 5.8 | 5.2 | 5.4 | 4.3 |
| Acquisition & Disposals of Business - Assets - Sold/(Acquired) - Net - Cash Flow | — | 0.0 | (0.6) | 0.0 | 0.0 | 0.1 | — | — | — | — |
| Acquisition of Business - Cash Flow | — | 0.0 | 0.6 | 0.0 | — | — | — | — | — | — |
| Business - Sold - Cash Flow | — | — | — | — | 0.0 | 0.1 | — | — | — | — |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | (734.6) | 121.3 | (317.3) | (3.5) | (46.9) | (280.4) | 5.4 | (98.6) | (88.9) | 6.2 |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | (734.6) | 121.3 | (317.3) | (3.5) | (46.9) | (280.4) | 5.4 | (98.6) | (88.9) | 6.2 |
| Investments - Associated Companies & Joint Ventures - Sold/(Purchased) - Cash Flow | 0.1 | (0.1) | 0.3 | 0.1 | — | — | 0.0 | 0.3 | 0.8 | 0.6 |
| Other Investing Cash Flow - Decrease/(Increase) | (0.4) | 0.4 | 4.4 | 0.9 | 0.9 | 0.2 | 1.1 | 1.2 | 14.6 | 0.0 |
| Net Cash Flow from Investing Activities | (747.5) | 108.8 | (320.1) | (7.3) | (47.2) | (283.2) | 1.4 | (101.0) | (78.8) | 3.2 |
| Dividends Paid - Cash - Total - Cash Flow | 42.4 | 42.4 | 32.4 | 21.9 | 34.2 | 11.9 | 18.9 | 20.2 | 17.3 | 17.9 |
| Dividends - Common - Cash Paid | 42.4 | 42.4 | 32.4 | 21.9 | 34.2 | 11.9 | 18.9 | 20.2 | 17.3 | 17.9 |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | 153.0 | 89.4 | (123.6) | 71.4 | 94.6 | 90.4 | (135.6) | 81.9 | 37.8 | (40.8) |
| Debt - Issued/(Reduced) - Long-Term & Short-Term - Cash Flow | 157.2 | 92.9 | (120.6) | 74.0 | 97.0 | 92.7 | (133.6) | 81.9 | 37.8 | (40.8) |
| Debt - Issued - Long-Term & Short-Term - Cash Flow | — | — | — | — | — | 92.7 | — | 81.9 | 37.8 | — |
| Debt - Reduced - Long-Term & Short-Term - Cash Flow | — | — | — | — | — | 0.0 | 133.6 | 0.0 | 0.0 | — |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (4.2) | (3.5) | (3.0) | (2.6) | (2.4) | (2.3) | (2.0) | — | — | — |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (4.2) | (3.5) | (3.0) | (2.6) | (2.4) | (2.3) | (2.0) | — | — | — |
| Debt - Reduced - Long-Term - Cash Flow | 4.2 | 3.5 | 3.0 | 2.6 | 2.4 | 2.3 | 2.0 | — | — | — |
| Lease liabilities - Reduced - Cash flow represents cash outflow due to the repayment of lease liability/debt of the company. It includes finance leases, capitalized lease, and hire-purchase agreement. Applicable to all industries. If Lease liability issue | 4.2 | 3.5 | 3.0 | 2.6 | 2.4 | 2.3 | 2.0 | — | — | — |
| Net Cash Flow from Financing Activities | 110.6 | 47.0 | (156.0) | 49.5 | 60.4 | 78.5 | (154.5) | 61.7 | 20.5 | (58.7) |
| Non-Classified Cash Flows | (0.6) | (0.6) | — | — | — | — | — | — | — | — |
| Foreign Exchange Effects - Cash Flow | 0.5 | (0.4) | 10.5 | 9.6 | 5.3 | 1.6 | 3.6 | 5.6 | 1.0 | (0.5) |
| Net Change in Cash - Total | 38.7 | (16.1) | 101.9 | (51.6) | 41.4 | (0.7) | 45.0 | 11.4 | 34.0 | 11.7 |
| Net Cash from Continuing Operations | 39.3 | (15.6) | 101.9 | (51.6) | 41.4 | (0.7) | 45.0 | 11.4 | 34.0 | 11.7 |
| Net Cash - Beginning Balance | 211.4 | 227.4 | 125.1 | 187.2 | 155.4 | 161.4 | 118.0 | 110.2 | 81.7 | 71.1 |
| Net Cash - Ending Balance | 250.1 | 211.3 | 227.0 | 135.6 | 196.8 | 160.7 | 163.0 | 121.6 | 115.7 | 82.8 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 77.9 | 83.9 | 66.2 | 28.4 | 21.7 | 16.3 | 2.5 | 3.4 | 7.8 | 16.3 |
| Interest Paid - Cash Flow - Supplemental | 200.7 | 211.8 | — | — | — | — | — | — | — | — |
| Interest & Dividends - Received - Cash Flow - Supplemental | 317.8 | 427.6 | 2.7 | 2.3 | 2.2 | 1.2 | 1.4 | 1.6 | 1.6 | 1.4 |
| CF from Optg Activities before Change in WC & Int Payments | 203.0 | 315.1 | 81.6 | 51.7 | 31.7 | 46.6 | 46.1 | 30.1 | 25.4 | 22.6 |
| Depreciation, Depletion & Amortization - Cash Flow | 8.7 | 7.7 | 6.1 | 5.2 | 4.8 | 4.6 | 4.3 | 2.6 | 2.2 | 2.1 |
| Free Cash Flow to Equity | 816.1 | (94.4) | 437.1 | (36.8) | 116.3 | 289.6 | 53.8 | 123.0 | 123.8 | 23.2 |
| Free Cash Flow Net of Dividends | 618.3 | (226.8) | 526.3 | (130.6) | (15.0) | 187.2 | 169.9 | 19.7 | 68.5 | 45.5 |
| Free Cash Flow | 660.7 | (184.4) | 558.6 | (108.7) | 19.2 | 199.0 | 188.7 | 39.9 | 85.8 | 63.4 |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 10 periods; the table above goes back further.