Metropolitan Bank Holding Corp. (MCB) Earnings Call Transcripts

Metropolitan Bank Holding Corp.'s Latest Earnings Call - April 9, 2026

In the earnings call for the fiscal year 2025, MCB Bank Limited reported a consolidated profit after tax of PKR 58.8 billion, with an earnings per share (EPS) of PKR 49.29, reflecting a decline from PKR 48.62 in 2024. Total revenue was impacted by a decrease in net interest income, which fell by 2% to PKR 146 billion, despite an 18% increase in total deposits to PKR 2.3 trillion. Management maintained a cautious outlook, signaling that they expect to sustain similar growth levels in 2026, particularly focusing on low-cost deposits and cost efficiency improvements.

Reported metrics

Guidance from management

Management expects to maintain similar growth levels in 2026, focusing on low-cost deposits and operational efficiency improvements.

What management said

Thank you for the insightful presentation. We will now move to the question-and-answer session. [Operator Instructions] We have already received some questions in advance, let us begin with those. The first question is, can you please share the breakdown of the bank's PIB portfolio between fixed rate and floating rate instruments?

Okay. Thank you. This question was also asked in the chat box, hopefully, this has been better answered. The next question is what is the average yield and average maturity of the fixed rate portfolio.

What analysts pressed on

Analysts expressed concerns regarding the declining net interest income and potential inflationary pressures impacting operating costs. There were also questions about the bank's strategy for managing interest rate volatility and its impact on profitability.

Main topics on the call

• Deposit Growth — Total deposits increased by 18% to PKR 2.3 trillion, with current accounts growing by 19% to PKR 1.2 trillion. Management stated, "We will continue to build on the momentum achieved in 2025 and expect similar growth leve...
• Asset Quality — The bank's asset quality remained strong, with non-performing loans (NPL) declining by PKR 3.8 billion to PKR 49.8 billion. The coverage ratio stood at 92.47%, indicating effective management of credit risk.
• Profitability Decline — Net interest income decreased by 2% to PKR 146 billion, attributed to a significant reduction in the average policy rate. Management noted, "Despite a sharp 42% reduction in the average policy rate from 19.38% to 11.29% ...
• Cost-to-Income Ratio — The cost-to-income ratio improved to 37.7%, significantly below the industry average of 46.4%. Management aims to keep this ratio below 40% in 2026, indicating a focus on operational efficiency.

Read the full Metropolitan Bank Holding Corp. transcript (April 9, 2026) → Summary generated from the call transcript; every figure above is stated by management on the record.

Earnings Call History

EarningsCalls.dev has 37 Metropolitan Bank Holding Corp. earnings call transcripts on record, spanning April 21, 2020 to July 22, 2026. Based on this history, Metropolitan Bank Holding Corp. reports quarterly. The most recent call on file is dated July 22, 2026. The full list is below — each row opens the complete, free-to-read transcript.

Ticker

MCB

Exchange

NYSE

Country

US

Sector

Financials

Industry

Banks

Calls on record

37

First call

April 21, 2020

Most recent

July 22, 2026

Reporting cadence

quarterly