Last close · 16 Oct 2026
Rs 374.53 +0.93%
Quarterly · Q3 FY2021 – Q2 FY2026
MCB Bank Limited (MCB) quarterly cash flow statement
Operating activities generated Rs 285.4 bn of cash in Q2 FY2026 (Apr – Jun 2026), up 14.8% on Q2 FY2025. Capital expenditure was Rs 3.5 bn. Dividends paid to shareholders came to Rs 10.6 bn. Overall, cash increased by Rs 14.7 bn.
| Rs bn | TTM to Jun 2026 | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 * Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 | Q2 FY2024 Apr – Jun 2024 | Q1 FY2024 Jan – Mar 2024 | Q4 FY2023 Oct – Dec 2023 | Q3 FY2023 Jul – Sep 2023 | Q2 FY2023 Apr – Jun 2023 | Q1 FY2023 * Jan – Mar 2023 | Q4 FY2022 Oct – Dec 2022 | Q3 FY2022 * Jul – Sep 2022 | Q2 FY2022 * Apr – Jun 2022 | Q1 FY2022 Jan – Mar 2022 | Q4 FY2021 Oct – Dec 2021 | Q3 FY2021 Jul – Sep 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | 342.2 | 285.4 | 9.3 | 22.8 | 24.6 | 248.5 | 379.7 | (407.7) | (24.8) | 149.8 | 111.7 | 85.8 | 60.0 | 261.1 | 160.6 | (302.1) | 77.5 | 41.0 | 80.2 | (141.8) | 77.5 |
| Capital expenditure | (11.6) | (3.5) | (2.2) | (2.7) | (3.1) | (5.9) | (3.2) | (3.7) | (3.0) | (3.3) | (3.4) | (3.1) | (2.3) | (2.1) | (1.3) | (1.9) | (1.2) | (1.1) | (1.0) | (1.0) | (1.1) |
| Net cash from investing activities | (24.1) | (134.3) | (40.7) | 83.4 | 67.5 | (232.0) | (666.4) | 363.6 | (25.7) | (201.6) | (27.4) | 5.3 | (133.1) | (213.6) | 21.3 | 90.0 | (121.7) | 163.7 | (139.3) | 117.8 | (151.1) |
| Dividends paid | (42.4) | (10.6) | (10.6) | (10.6) | (10.6) | (10.6) | (10.6) | (10.6) | (10.6) | (12.0) | (9.2) | (9.5) | (8.8) | (7.0) | (7.0) | (5.6) | (4.5) | (6.2) | (5.6) | (5.4) | (5.9) |
| Net cash from financing activities | (346.7) | (136.0) | 15.6 | (79.8) | (146.5) | 27.2 | 309.7 | 9.8 | (2.3) | 101.9 | (62.3) | (82.6) | 38.3 | 4.2 | (115.8) | 146.2 | 27.6 | (168.0) | 43.7 | 73.4 | 48.6 |
| Net change in cash | (30.9) | 14.7 | (16.8) | 26.1 | (54.9) | 44.7 | 22.7 | (35.3) | (53.2) | 50.0 | 21.5 | 8.0 | (35.2) | 52.4 | 76.7 | (65.9) | (11.7) | 41.9 | (15.9) | 51.4 | (22.4) |
| Rs mn | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 * Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 | Q2 FY2024 Apr – Jun 2024 | Q1 FY2024 Jan – Mar 2024 | Q4 FY2023 Oct – Dec 2023 | Q3 FY2023 Jul – Sep 2023 | Q2 FY2023 Apr – Jun 2023 | Q1 FY2023 * Jan – Mar 2023 | Q4 FY2022 Oct – Dec 2022 | Q3 FY2022 * Jul – Sep 2022 | Q2 FY2022 * Apr – Jun 2022 | Q1 FY2022 Jan – Mar 2022 | Q4 FY2021 Oct – Dec 2021 | Q3 FY2021 Jul – Sep 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | +14.8% | -97.5% | — | — | +65.9% | +239.8% | -575.2% | -141.3% | -42.6% | -30.4% | — | -22.5% | +536.8% | +100.1% | — | -0.0% | +16.1% | +54.6% | -569.2% | +315.9% |
| Capital expenditure | -40.6% | -30.3% | -26.7% | +6.3% | +76.4% | -7.9% | +20.7% | +27.6% | +59.4% | +156.2% | +59.5% | +86.0% | +87.1% | +28.7% | +90.3% | +17.5% | +30.5% | +44.9% | -24.5% | +5.2% |
| Net cash from investing activities | — | — | -77.1% | — | — | — | +6,713.6% | — | — | -229.0% | -94.1% | — | -230.5% | — | -23.7% | — | +168.2% | — | — | — |
| Dividends paid | +0.2% | +0.0% | -0.0% | +0.1% | -11.8% | +15.0% | +11.7% | +20.4% | +70.3% | +30.9% | +69.2% | +96.5% | +13.5% | +25.4% | +4.1% | -23.6% | +13.5% | -67.9% | +6,018.7% | +13,638.8% |
| Net cash from financing activities | -599.4% | -95.0% | -916.0% | — | -73.3% | — | — | -106.0% | +2,347.2% | — | -156.5% | +38.7% | — | -364.7% | +99.1% | -43.3% | — | +549.5% | +41.8% | +232.4% |
| Net change in cash | -67.1% | -174.0% | — | — | -10.5% | +5.4% | -540.5% | — | -4.6% | -71.9% | — | — | +25.0% | — | -228.2% | — | +36.1% | — | — | — |
Change against the same quarter a year earlier; shown when the earlier figure is positive.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. TTM = the latest four quarters added together. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.
All reported line items 60
| Rs bn | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 | Q2 FY2024 Apr – Jun 2024 | Q1 FY2024 Jan – Mar 2024 | Q4 FY2023 Oct – Dec 2023 | Q3 FY2023 Jul – Sep 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profit/(Loss) - Starting Line - Cash Flow | 30.9 | 27.9 | 30.2 | 32.3 | 31.0 | 31.6 | 27.2 | 35.6 | 33.0 | 35.3 | 40.6 | 38.4 |
| Non-cash Items & Reconciliation Adjustments - Cash Flow | (39.9) | (38.4) | (39.5) | (41.4) | (40.0) | (41.1) | (36.4) | (43.8) | (81.3) | 1.2 | 1.2 | 1.1 |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | (41.5) | (42.1) | (42.1) | (41.9) | (40.4) | (40.4) | (40.3) | (45.9) | (83.7) | (0.3) | 0.2 | 0.1 |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 2.5 | 2.3 | 2.4 | 2.1 | 2.2 | 2.0 | 2.2 | 1.9 | 2.0 | 1.6 | 1.8 | 1.5 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 2.3 | 2.1 | 2.3 | 1.9 | 2.0 | 1.8 | 2.0 | 1.7 | 1.7 | 1.4 | 1.7 | 1.4 |
| Amortization - Intangible Assets & Deferred Charges - Cash Flow - to Reconcile | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 |
| Loan Loss Provision including Impairment - Increase/(Decrease) - Cash Flow | (0.5) | 0.9 | 0.3 | (1.2) | (1.8) | (2.3) | 4.1 | 0.3 | 1.5 | (0.8) | 0.2 | (0.4) |
| Impairment - Financial Fixed Assets - Operating - Cash Flow - to Reconcile | — | — | — | — | — | 0.0 | (0.0) | — | (0.9) | 0.8 | (0.9) | (0.1) |
| Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile | (0.1) | (0.0) | 0.0 | (0.1) | (0.1) | (0.1) | 0.0 | (0.1) | (0.1) | (0.0) | (0.1) | (0.1) |
| Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow | (0.1) | (0.0) | 0.0 | (0.1) | (0.1) | (0.1) | 0.0 | (0.1) | (0.1) | (0.0) | (0.1) | (0.1) |
| Financial Assets - Unrealized Gain/(Loss) - Cash Flow - to Reconcile | (0.3) | 0.5 | (0.1) | (0.2) | 0.1 | (0.2) | (2.3) | 0.1 | (0.0) | (0.0) | (0.0) | (0.0) |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 19.0 | 18.9 | 19.4 | 18.7 | 18.9 | 21.0 | 22.2 | 16.7 | 21.0 | 24.1 | 23.6 | 17.0 |
| Interest Paid - Cash | 54.5 | 25.7 | 55.6 | 28.3 | 61.8 | 55.0 | 40.1 | 50.5 | 121.2 | — | — | — |
| Interest & Dividends - Received - Total - Cash Flow | 73.9 | 88.9 | 79.6 | 82.9 | 91.7 | 63.6 | 135.9 | 88.8 | 202.2 | 0.7 | 0.8 | 0.5 |
| Cash Flow from Operating Activities before Changes in Working Capital | (8.7) | 33.7 | (4.8) | 26.9 | 2.1 | (21.9) | 64.4 | 13.5 | 11.7 | 13.2 | 19.0 | 23.1 |
| Working Capital - Increase/(Decrease) - Cash Flow | 294.1 | (24.4) | 27.6 | (2.3) | 246.4 | 401.6 | (472.1) | (38.3) | 138.1 | 98.6 | 66.8 | 37.0 |
| Other Assets - Decrease/(Increase) - Cash Flow | 23.9 | (21.5) | 13.2 | (1.3) | 14.8 | (31.0) | 7.4 | (12.1) | 6.7 | 59.8 | (62.9) | (9.8) |
| Lending & Deposits - Due from Banks - Long-Term - Decrease/(Increase) - Cash Flow | (55.9) | 14.1 | 13.7 | 11.1 | (52.6) | (13.6) | 65.0 | (33.8) | (39.6) | 40.5 | 13.0 | (25.9) |
| Loans - Customer - Decrease/(Increase) - Cash Flow | (2.2) | (68.5) | (69.8) | 21.3 | 100.9 | 296.8 | (418.0) | (54.2) | (9.6) | (43.7) | 5.1 | 16.8 |
| Other Liabilities - Increase/(Decrease) -Total - Cash Flow | (19.0) | (7.7) | 19.4 | (21.1) | 11.0 | (38.2) | 46.8 | 3.2 | (10.3) | (2.3) | 0.9 | 11.9 |
| Deposits - Increase/(Decrease) - Total - Cash Flow | 347.3 | 59.2 | 51.2 | (12.2) | 172.4 | 187.6 | (173.3) | 58.7 | 191.0 | 44.3 | 110.8 | 44.0 |
| Net Cash Flow from Operating Activities | 285.4 | 9.3 | 22.8 | 24.6 | 248.5 | 379.7 | (407.7) | (24.8) | 149.8 | 111.7 | 85.8 | 60.0 |
| Capital Expenditures - Net - Cash Flow | 3.3 | 2.2 | 2.3 | 1.7 | 5.5 | 3.1 | 3.5 | 2.7 | 3.2 | 3.4 | 3.0 | 2.2 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | 3.1 | 2.1 | 1.7 | 1.5 | 5.2 | 2.7 | 3.4 | 2.6 | 2.8 | 2.5 | 2.6 | 2.1 |
| Property, Plant & Equipment - Purchased - Cash Flow | 3.3 | 2.1 | 2.2 | 2.9 | 5.6 | 2.8 | 3.6 | 2.8 | 2.9 | 2.6 | 2.7 | 2.3 |
| Property, Plant & Equipment Sold - Cash Flow | 0.2 | 0.0 | 0.4 | 1.4 | 0.3 | 0.1 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 |
| Intangible Assets - Purchased/(Sold) - Net - Total - Cash Flow | 0.2 | 0.1 | 0.6 | 0.3 | 0.3 | 0.4 | 0.1 | 0.1 | 0.4 | 0.9 | 0.4 | 0.1 |
| Intangible Assets - Purchased/Acquired - Cash Flow | 0.2 | 0.1 | 0.6 | 0.3 | 0.3 | 0.4 | 0.1 | 0.1 | 0.4 | 0.9 | 0.4 | 0.1 |
| Capital Expenditures - Total | 3.5 | 2.2 | 2.7 | 3.1 | 5.9 | 3.2 | 3.7 | 3.0 | 3.3 | 3.4 | 3.1 | 2.3 |
| Acquisition & Disposals of Business - Assets - Sold/(Acquired) - Net - Cash Flow | — | — | — | — | — | — | — | — | — | — | 0.0 | 0.0 |
| Acquisition of Business - Cash Flow | — | — | — | — | — | — | — | — | — | — | 0.0 | 0.0 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | (129.7) | (37.6) | 84.7 | 70.1 | (226.8) | (662.6) | 366.7 | (23.2) | (198.0) | (24.2) | 8.6 | (130.7) |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | (129.7) | (37.6) | 84.7 | 70.1 | (226.8) | (662.6) | 366.7 | (23.2) | (198.0) | (24.2) | 8.6 | (130.7) |
| Investments - Associated Companies & Joint Ventures - Sold/(Purchased) - Cash Flow | (0.7) | (0.6) | 1.3 | (0.5) | 0.1 | (0.8) | 0.2 | 0.0 | (0.3) | (0.1) | 0.5 | (0.0) |
| Other Investing Cash Flow - Decrease/(Increase) | (0.5) | (0.4) | (0.3) | (0.3) | 0.2 | 0.1 | 0.2 | 0.1 | (0.1) | 0.2 | (0.7) | (0.2) |
| Net Cash Flow from Investing Activities | (134.3) | (40.7) | 83.4 | 67.5 | (232.0) | (666.4) | 363.6 | (25.7) | (201.6) | (27.4) | 5.3 | (133.1) |
| Dividends Paid - Cash - Total - Cash Flow | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 12.0 | 9.2 | 9.5 | 8.8 |
| Dividends - Common - Cash Paid | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 10.6 | 12.0 | 9.2 | 9.5 | 8.8 |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | (125.4) | 26.2 | (69.1) | (135.9) | 37.8 | 320.3 | 20.4 | 8.3 | 113.8 | (53.1) | (73.1) | 47.1 |
| Debt - Issued/(Reduced) - Long-Term & Short-Term - Cash Flow | (124.3) | 27.4 | (67.9) | (134.9) | 38.7 | 321.3 | 21.4 | 9.1 | 114.7 | (52.3) | (72.2) | 47.7 |
| Debt - Issued/Reduced - Long-Term - Cash Flow | (1.1) | (1.2) | (1.2) | (1.1) | (0.9) | (1.0) | (1.0) | (0.8) | (0.8) | (0.8) | (0.9) | (0.7) |
| Lease liabilities - Issued/(Reduced) - Cash Flow | (1.1) | (1.2) | (1.2) | (1.1) | (0.9) | (1.0) | (1.0) | (0.8) | (0.8) | (0.8) | (0.9) | (0.7) |
| Debt - Reduced - Long-Term - Cash Flow | 1.1 | 1.2 | 1.2 | 1.1 | 0.9 | 1.0 | 1.0 | 0.8 | 0.8 | 0.8 | 0.9 | 0.7 |
| 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 | 1.1 | 1.2 | 1.2 | 1.1 | 0.9 | 1.0 | 1.0 | 0.8 | 0.8 | 0.8 | 0.9 | 0.7 |
| Other Financing Cash Flow - Increase/(Decrease) | — | — | (0.0) | 0.0 | — | — | — | — | — | — | — | — |
| Net Cash Flow from Financing Activities | (136.0) | 15.6 | (79.8) | (146.5) | 27.2 | 309.7 | 9.8 | (2.3) | 101.9 | (62.3) | (82.6) | 38.3 |
| Non-Classified Cash Flows | (0.0) | (0.5) | (0.0) | 0.2 | (0.1) | (0.7) | (0.6) | (0.8) | (0.1) | 0.1 | — | — |
| Foreign Exchange Effects - Cash Flow | (0.4) | (0.5) | (0.3) | (0.6) | 1.0 | 0.4 | (0.3) | 0.4 | (0.0) | (0.5) | (0.5) | (0.4) |
| Net Change in Cash - Total | 14.7 | (16.8) | 26.1 | (54.9) | 44.7 | 22.7 | (35.3) | (53.2) | 50.0 | 21.5 | 8.0 | (35.2) |
| Net Cash from Continuing Operations | 14.7 | (16.4) | 26.1 | (55.0) | 44.8 | 23.4 | (34.6) | (52.5) | 50.1 | 21.5 | 8.0 | (35.2) |
| Net Cash - Beginning Balance | 234.8 | 251.2 | 224.0 | 278.5 | 233.1 | 211.4 | 246.6 | 298.7 | 248.3 | 227.0 | 219.0 | 253.4 |
| Net Cash - Ending Balance | 249.5 | 234.4 | 250.1 | 223.6 | 277.9 | 234.2 | 211.3 | 245.5 | 298.3 | 248.5 | 227.0 | 218.2 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 19.0 | 18.9 | 19.4 | 18.7 | 18.9 | 21.0 | 22.2 | 16.7 | 21.0 | 24.1 | 23.6 | 17.0 |
| Interest Paid - Cash Flow - Supplemental | 54.5 | 25.7 | 55.6 | 28.3 | 61.8 | 55.0 | 40.1 | 50.5 | 121.2 | — | — | — |
| Interest & Dividends - Received - Cash Flow - Supplemental | 73.9 | 88.9 | 79.6 | 82.9 | 91.7 | 63.6 | 135.9 | 88.8 | 202.2 | 0.7 | 0.8 | 0.5 |
| CF from Optg Activities before Change in WC & Int Payments | 45.9 | 59.4 | 50.9 | 55.2 | 63.9 | 33.1 | 104.5 | 64.0 | 132.9 | 13.2 | 19.0 | 23.1 |
| Depreciation, Depletion & Amortization - Cash Flow | 2.5 | 2.3 | 2.4 | 2.1 | 2.2 | 2.0 | 2.2 | 1.9 | 2.0 | 1.6 | 1.8 | 1.5 |
| Free Cash Flow to Equity | 156.7 | 33.4 | (48.6) | (113.1) | 280.8 | 697.0 | (390.8) | (19.3) | 260.5 | 55.2 | 9.7 | 104.9 |
| Free Cash Flow Net of Dividends | 271.3 | (3.5) | 9.5 | 10.8 | 232.1 | 365.9 | (422.1) | (38.4) | 134.5 | 99.1 | 73.2 | 48.9 |
| Free Cash Flow | 281.9 | 7.1 | 20.1 | 21.4 | 242.6 | 376.6 | (411.4) | (27.8) | 146.5 | 108.3 | 82.7 | 57.7 |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 12 periods; the table above goes back further.