MCB Bank Ltd was incorporated in 1947 in British India to provide banking services to businesses. It was nationalized in 1974 and today has 978 branches across Pakistan. The bank aims to be the leading financial services provider through innovative products and long-term customer relationships while ensuring profitable returns for shareholders. MCB analyzes key financial ratios annually to evaluate performance and has undertaken management restructuring in recent years to improve efficiency.

3. INTRODUCTION
MCB Bank Ltd formerly known as Muslim
Commercial Bank Limited was incorporated by the
Adamjee Group on July 9, 1947, under the Indian
Companies Act, VII of 1913 as a limited company.
The bank was established with a view to provide
banking facilities to the business community of the
sub-continent. The bank was nationalized in 1974
during the government of Zulfikar Ali Bhutto.

4. VISION
To be the leading financial services
provider, partnering with our
customers for a more prosperous
and secure future.

5. MISSION
We are a team of committed professionals,
providing innovative and efficient financial
solutions to create and nurture long-term
relationships with our customers. In doing so,
we ensure that our shareholders can invest
with confidence in us.

6. NETWORK
MCB is the fourth largest bank of
Pakistan. Its wide network include fully
facilitated branches all over Pakistan. It
covers 125 cities, comprising of 978
branches out of which 262 have the
ATM machines.

9. RATIO ANALYSIS
profit before tax ratio
profit before tax /total income
for 2012
32,062,744 /20,949,696
153.0463%
for 2011
31,483,179 / 19,424,906
162.0764%

10. NET PROFIT RATIO
Profit before tax /Markup earned
For 2012
32,062,744/ 68,356,191
=46.9054%
For 2011
31,483,179 / 68,146,588
=46.1992%

11. ASSETS TURNOVER
interest markup earned /total assets
For 2012
68,356,191/ 765,898,992
=8.9250%
For 2011
68,146,588/ 633,426,223
=10.7584%

12. RETURN ON ASSETS
Profit after tax / total assets
For year 2012
20,949,696 /765,898,992
= 2.7353%
For year 2011
19,424,906 /633,426,223
=3.0666%

13. RETURN ON SHARE CAPITAL
Profit after tax / Share capital
For year 2012
20,949,696/ 9,198,601
=227.7487%
For year 2011
19,424,906/ 8,362,365
=232.2896%

14. RETURN ON EQUITY
Profit after tax /Shareholder's equity
For year 2012
20,949,696/ 88,156,909
=23.7641%
For year 2011
19,424,906 / 78,915,003
=24.6150%

15. ADVANCE TO TOTAL DEPOSITS
Advances / Deposits and other accounts
For year 2012
239,583,320 / 545,060,728
=43.9553%
For year 2011
227,580,139/ 491,188,710
=46.3325%

16. RETURN ON DEPOSIT
Profit after tax / Total deposits
For year 2012
20,949,696/ 545,060,728
=3.8436%
For year 2011
19,424,906 / 491,188,710
=3.9547%

17. CURRENT RATIO
current assets/ current liabilities
For year 2012
701,815,811 / 633,908,115
=1.11 :1
For year 2011
600,590,624 /539,765,115
=1.12 :1

18. FUTURE PLANS
• MCB has undertaken extensive management restructuring in the past three
years. It is now well poised to reap the benefits of a lower operating cost and a
professional management team.
• MCB's key departments, including corporate banking, consumer banking and
treasury have been revamped and senior bankers have been hired to head these
units.
• At present, MCB has the largest ATM network in Pakistan. It has also launched an
innovative nationwide service called MCB Switch
• The decision to cut interest rates was aimed to kick-start the dormant economy by
generating fresh demand for credit which in turn spurs productive activity.
• It aims to be the leader in transactional convenience.
• controls and efficiency is central to the bank's existence. It will build stronger
controls, develop a unit cost culture and generally be on top of the game