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.

VISION

To be the leading financial services

provider, partnering with our

customers for a more prosperous

and secure future.

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.

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.

RATIO ANALYSIS

profit before tax ratio

profit before tax /total incomefor 2012

32,062,744 /20,949,696

153.0463%

for 2011

31,483,179 / 19,424,906

162.0764%

NET PROFIT RATIO

Profit before tax /Markup earnedFor 2012

32,062,744/ 68,356,191

=46.9054%

For 2011

31,483,179 / 68,146,588

=46.1992%

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%

RETURN ON ASSETS

Profit after tax / total assetsFor year 2012

20,949,696 /765,898,992

= 2.7353%

For year 2011

19,424,906 /633,426,223

=3.0666%

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%

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%

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%

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%

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

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