Review pending. Every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text; matched to OCR text of the page image; read from the page image) (17 October 2026). Independent review has not yet been carried out, and these pages are not indexed.AI-assisted source check done; independent review pending; not indexed. About the review
MCB Group
On this page
Company details
- Legal name
- MCB Group Limited
- Listing
- No ticker printed on the Stock Exchange of Mauritius, active (observed 2026-10-08)
- Sector
- Not classified (our classification from the stated principal activity)
- Financial year ends
- 30 June
Overview
Year ended 30 June 2026 · audited financial statements, signed / final · source
-
Net interest income
MUR 30.2 billion
30,229 MUR millions · p8
+11.7% vs 2025
Interest income less interest expense, as printed.
-
Operating income
MUR 47.1 billion
47,052 MUR millions · p8
+11.6% vs 2025
The bank's own total of its income lines before credit impairment and operating expenses, under its printed label. What it includes differs between banks; it is not revenue.
-
Profit / (loss) for the year
MUR 20.3 billion
20,311 MUR millions · p8
+12.8% vs 2025
-
Total assets
MUR 1.28 trillion
1,283,413 MUR millions · p7
+27.4% vs 2025
-
Customer deposits
MUR 881 billion
881,015 MUR millions · p7
+21.4% vs 2025
-
Total equity
MUR 137 billion
137,330 MUR millions · p7
+13.3% vs 2025
Large amounts are rounded for reading (MUR million / billion / trillion); exact figures as printed are under each amount and in the tables. No currency conversion.
Financial statements
Exact figures as printed. Each column comes from one filing; labels are as printed in the newest filing. Amounts in MUR millions unless the row says otherwise; brackets are negative.
† from a supplementary filing for the same year · ‡ signed audited statements preferred over a disputed figure · “–” is a printed dash, explained below the table
Column sources
- FY to 30 Jun 2026 — audited financial statements, signed / final; reported for the year · source
- FY to 30 Jun 2025 — audited financial statements, signed / final; comparative in the FY to 30 Jun 2026 filing · source
- FY to 30 Jun 2024 — annual report, signed / final; comparative in the FY to 30 Jun 2025 filing · source
Income statement
| Line (as printed) | FY to 30 Jun 2026Audited financial statementsreported for the year | FY to 30 Jun 2025Audited financial statementscomparative in FY to 30 Jun 2026 filing | FY to 30 Jun 2024Annual reportcomparative in FY to 30 Jun 2025 filing |
|---|---|---|---|
| Interest income using the effective interest method | 54,804 | 49,037 | 45,617 |
| Interest expense | (24,575) | (21,985) | (21,378) |
| Net interest income | 30,229 | 27,052 | 24,239 |
| Fee and commission income | 12,937 | 12,2181 | 11,309 |
| Fee and commission expense | (4,074) | (3,757) | (3,758) |
| Net fee and commission income | 8,863 | 8,4612 | 7,551 |
| Net trading income | 6,719 | 5,0403 | 4,220 |
| Net (loss)/gain from equity financial instruments carried at fair value through profit or loss45 | (306) | 471 | 336 |
| Dividend income6 | 199 | 191 | 136 |
| Other operating income | 1,348 | 945 | 769 |
| Other income (unlabelled subtotal)7 | 7,960 | 6,6478 | 5,220 |
| Operating income | 47,052 | 42,160 | 37,010 |
| Salaries and human resource costs | (9,846) | (8,706) | (7,415) |
| Depreciation of property, plant and equipment9 | (1,034) | (935) | (889) |
| Amortisation of intangible assets | (769) | (701) | (702) |
| Other | (6,278) | (5,405) | (4,581) |
| Non-interest expense (unlabelled subtotal) | (17,927) | (15,747) | (13,587) |
| Operating profit before impairment | 29,125 | 26,413 | 23,423 |
| Impairment charge | (2,330) | (3,505) | (3,684) |
| Operating profit | 26,795 | 22,908 | 19,739 |
| Share of profit of associates | 798 | 34 | 582 |
| Profit before tax | 27,593 | 22,942 | 20,321 |
| Income tax expense | (7,282) | (4,932) | (4,126) |
| Profit for the year | 20,311 | 18,010 | 16,195 |
| Non-controlling interests10 | 197 | (55) | 150 |
| Other comprehensive income for the year | 834 | (255) | 1,039 |
| Total comprehensive income for the year | 21,145 | 17,755 | 17,234 |
| Loss on disposal of associate11 | Not reported in this filing12 | Not reported in this filing1413 | (241) |
Notes and alternative reported figures (14)
- Annual report dated 2025-09-26 prints 12,200 (millions, p205) for this line and year.
- Annual report dated 2025-09-26 prints 8,443 (millions, p205) for this line and year.
- Annual report dated 2025-09-26 prints 5,058 (millions, p205) for this line and year.
- “Net (loss)/gain from equity financial instruments carried at fair value through profit or loss” is an issuer-specific line, not mapped to a shared definition: Statement of profit or loss line, no note reference.
- Printed under different labels across filings: “Net (loss)/gain from equity financial instruments carried at fair value through profit or loss”; “Net gain from equity financial instruments carried at fair value through profit or loss”.
- “Dividend income” is an issuer-specific line, not mapped to a shared definition: Note 29.
- “Other income (unlabelled subtotal)” is an issuer-specific line, not mapped to a shared definition: Unlabelled subtotal of net trading income, the FVTPL equity result, dividend income and other operating income.
- Annual report dated 2025-09-26 prints 6,665 (millions, p205) for this line and year.
- “Depreciation of property, plant and equipment”: mapping to a shared definition is uncertain. Printed 'Depreciation of property, plant and equipment'; note 12 includes right-of-use assets in property, plant and equipment.
- “Non-controlling interests” is an issuer-specific line, not mapped to a shared definition: Attribution of profit.
- “Loss on disposal of associate” is an issuer-specific line, not mapped to a shared definition: FY2025 document: statement of profit or loss line within the unlabelled other-income subtotal (2025 printed '-').
- Not reported in this filing: Not reported in this filing: the consolidated statement of profit or loss (p8) has no 'Loss on disposal of associate' line in either column; its associate line is 'Share of profit of associates' 798 (2025: 34). The statement of comprehensive income (p9) and the cash-flow adjustments (p12) print no such line either, and the label is not found anywhere in the document. Checked on the page image (p8).
- Annual report dated 2025-09-26 presents this line for this year: - (p205). Not shown in this column, which follows one filing's presentation.
- Not reported in this filing: Not reported in this filing: the consolidated statement of profit or loss (p8) has no 'Loss on disposal of associate' line in the 2025 comparative column (or the 2026 column); its associate line is 'Share of profit of associates' 34 for 2025. The label is not found anywhere in the document. Checked on the page image (p8).
Balance sheet
| Line (as printed) | FY to 30 Jun 2026Audited financial statementsreported for the year | FY to 30 Jun 2025Audited financial statementscomparative in FY to 30 Jun 2026 filing | FY to 30 Jun 2024Annual reportcomparative in FY to 30 Jun 2025 filing |
|---|---|---|---|
| Cash and cash equivalents | 218,255 | 136,864 | 94,508 |
| Mandatory balances with Central Banks1 | 49,699 | 45,926 | Not reported in this filing2 |
| Derivative financial instruments | 4,157 | 3,748 | 2,077 |
| Loans to and placements with banks | 35,698 | 30,508 | 12,742 |
| Loans and advances to customers | 499,667 | 391,118 | 399,161 |
| Investment securities | 426,154 | 355,436 | 345,677 |
| Investments in associates and joint venture | 13,960 | 13,276 | 13,102 |
| Investments in subsidiaries3 | –4 | –4 | –4 |
| Investment properties | 5,666 | 5,552 | 5,305 |
| Goodwill and other intangible assets5 | 3,662 | 3,427 | 3,144 |
| Property, plant and equipment | 8,297 | 8,060 | 7,611 |
| Deferred tax assets | 5,239 | 4,845 | 4,118 |
| Other assets | 12,959 | 8,2346 | 50,548 |
| Total assets | 1,283,413 | 1,006,994 | 938,747 |
| Deposits from banks | 40,410 | 14,811 | 35,944 |
| Deposits from customers | 881,015 | 725,562 | 672,464 |
| Derivative financial instruments | 4,330 | 4,071 | 1,996 |
| Other borrowed funds | 146,151 | 86,761 | 66,579 |
| Debt securities7 | 36,935 | 17,543 | 18,342 |
| Subordinated liabilities8 | 6,997 | 6,707 | 7,057 |
| Preference shares9 | 846 | 943 | 1,621 |
| Current tax liabilities | 3,264 | 2,751 | 2,864 |
| Deferred tax liabilities | 798 | 651 | 548 |
| Post employment benefit liability | 757 | 456 | –10 |
| Other liabilities | 24,580 | 25,484 | 24,317 |
| Total liabilities | 1,146,083 | 885,740 | 831,732 |
| Stated capital | 11,476 | 9,546 | 6,975 |
| Retained earnings | 106,355 | 93,116 | 82,170 |
| Other components of equity | 15,783 | 15,041 | 14,114 |
| Equity attributable to the equity holders of the parent | 133,614 | 117,703 | 103,259 |
| Non-controlling interests | 3,716 | 3,551 | 3,756 |
| Total equity | 137,330 | 121,254 | 107,015 |
| Total equity and liabilities | 1,283,413 | 1,006,994 | 938,747 |
| Post employment benefit asset11 | Not reported in this filing12 | Not reported in this filing1413 | 754 |
- Printed “-”, read as nil: subtotal_arithmetic: bs.total_assets.
- Printed “-”, read as nil: subtotal_arithmetic: bs.total_liabilities.
Notes and alternative reported figures (12)
- “Mandatory balances with Central Banks” is an issuer-specific line, not mapped to a shared definition: No note reference.
- Not reported in this filing: Not reported separately on the face of the FY2025 statement of financial position (p204), which has no 'Mandatory balances with Central Banks' line: included in 'Other assets' (note 14) 50,548 for 2024; note 14 (p291, text layer) itemises 'Mandatory balances with Central Banks' 41,295 within it. The component is not a statement line in this document. Statement checked on the page image (p204).
- “Investments in subsidiaries” is an issuer-specific line, not mapped to a shared definition: Note 9: dash in the Group columns.
- “Goodwill and other intangible assets”: mapping to a shared definition is uncertain. Printed 'Goodwill and other intangible assets' (note 11): goodwill included.
- Annual report dated 2025-09-26 prints 54,160 (millions, p204) for this line and year.
- “Debt securities” is an issuer-specific line, not mapped to a shared definition: Note 17: debt securities in issue (liability).
- “Subordinated liabilities” is an issuer-specific line, not mapped to a shared definition: Note 18.
- “Preference shares” is an issuer-specific line, not mapped to a shared definition: Note 19: presented as a liability.
- “Post employment benefit asset” is an issuer-specific line, not mapped to a shared definition: Note 20 (FY2025 document; 2025 printed '-').
- Not reported in this filing: Not reported in this filing: the FY2026 consolidated statement of financial position (p7) has no 'Post employment benefit asset' line in either column; the only post-employment line is the liability 'Post employment benefit liability' 757 (2025: 456). p7 has no stored text layer; read on the page image.
- Annual report dated 2025-09-26 presents this line for this year: - (p204). Not shown in this column, which follows one filing's presentation.
- Not reported in this filing: Not reported in this filing: the FY2026 statement of financial position (p7) prints no 'Post employment benefit asset' line for the 2025 comparative column (the FY2025 report printed '-' on that line for 2025); the only post-employment line on p7 is 'Post employment benefit liability' 456 for 2025. p7 has no stored text layer; read on the page image.
Cash flow
| Line (as printed) | FY to 30 Jun 2026Audited financial statementsreported for the year | FY to 30 Jun 2025Audited financial statementscomparative in FY to 30 Jun 2026 filing | FY to 30 Jun 2024Annual reportcomparative in FY to 30 Jun 2025 filing |
|---|---|---|---|
| Operating cash flow before changes in operating assets and liabilities (unlabelled subtotal)1 | 32,278 | 28,477 | 26,877 |
| Changes in operating assets and liabilities (unlabelled subtotal)2 | 55,649 | 9,692 | 55,442 |
| Purchase of investments at fair value through other comprehensive income3 | (29,508) | (23,813) | (778) |
| Proceeds from sale of investments at fair value through other comprehensive income4 | 29,260 | 19,053 | 561 |
| Dividends received from associates5 | 532 | 343 | 501 |
| Dividends paid to ordinary shareholders | (4,898) | (4,164) | (3,754) |
| Dividends paid to non-controlling interests in subsidiaries6 | (36) | (40) | (43) |
| Income tax paid | (6,862) | (5,441) | (5,342) |
| Other operating cash items (unlabelled subtotal)7 | (11,512) | (14,062) | (8,855) |
| Net cash flows from operating activities | 76,415 | 24,107 | 73,464 |
| Purchase of property, plant and equipment | (1,311) | (1,364) | (910) |
| Purchase of intangible assets | (1,001) | (1,031) | (1,052) |
| Proceeds from sale of property, plant and equipment | 308 | 7 | 14 |
| Investment in subsidiary8 | –9 | –9 | –9 |
| Investment in joint venture10 | (21) | –9 | Not reported in this filing11 |
| Net subordinated loan received from /(granted to) subsidiaries1213 | –9 | –9 | –9 |
| Increase in investment securities at amortised cost14 | (71,434) | (3,187) | (75,898) |
| Net cash flows from investing activities | (73,459) | (5,575) | (77,846) |
| Employee share options exercised15 | 85 | 202 | 114 |
| Share buy back by subsidiary16 | (149) | –17 | Not reported in this filing18 |
| Issue of debt securities19 | 17,922 | –17 | 2,484 |
| Increase in other borrowed funds2021 | 60,362 | 24,015 | (22,987) |
| Repayment of lease liabilities22 | (205) | (203) | (84) |
| Net cash flows from financing activities | 78,015 | 24,014 | (21,848) |
| Increase/(decrease) in cash and cash equivalents23 | 80,971 | 42,546 | (26,230) |
| Net cash and cash equivalents at the beginning of the year24 | 136,817 | 94,377 | 120,409 |
| Effect of foreign exchange rate changes | 537 | (106) | 198 |
| Net cash and cash equivalents at 30 June | 218,325 | 136,817 | 94,377 |
| Net refund of subordinated liabilities25 | Not reported in this filing26 | Not reported in this filing2827 | (1,375) |
- Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_investing.
- Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_financing.
Notes and alternative reported figures (26)
- “Operating cash flow before changes in operating assets and liabilities (unlabelled subtotal)” is an issuer-specific line, not mapped to a shared definition: Unlabelled subtotal of operating profit and the adjustments for non-cash items.
- “Changes in operating assets and liabilities (unlabelled subtotal)” is an issuer-specific line, not mapped to a shared definition: Unlabelled subtotal of the 'Changes in:' block (mandatory balances, other assets and liabilities, derivatives, FVTPL securities, deposits, loans and advances).
- “Purchase of investments at fair value through other comprehensive income” is an issuer-specific line, not mapped to a shared definition: Operating activities.
- “Proceeds from sale of investments at fair value through other comprehensive income” is an issuer-specific line, not mapped to a shared definition: Operating activities.
- “Dividends received from associates” is an issuer-specific line, not mapped to a shared definition: Operating activities.
- “Dividends paid to non-controlling interests in subsidiaries” is an issuer-specific line, not mapped to a shared definition: Operating activities.
- “Other operating cash items (unlabelled subtotal)” is an issuer-specific line, not mapped to a shared definition: Unlabelled subtotal of the FVOCI purchases and sales, dividends received and paid and income tax paid, all presented in operating activities.
- “Investment in subsidiary” is an issuer-specific line, not mapped to a shared definition: Investing activities: dash in the Group columns.
- “Investment in joint venture” is an issuer-specific line, not mapped to a shared definition: Investing activities.
- Not reported in this filing: Not reported in this filing: the FY2025 consolidated statement of cash flows (p209) has no 'Investment in joint venture' line in either column; its investing lines are 'Placement with bank', 'Purchase of property, plant and equipment', 'Purchase of intangible assets', 'Proceeds from sale of property, plant and equipment', 'Investment in subsidiary', 'Net subordinated loan granted to subsidiaries' and 'Increase in investment securities at amortised cost'. Checked on the page image (p209).
- “Net subordinated loan received from /(granted to) subsidiaries” is an issuer-specific line, not mapped to a shared definition: Investing activities: dash in the Group columns.
- Printed under different labels across filings: “Net subordinated loan granted to subsidiaries”; “Net subordinated loan received from /(granted to) subsidiaries”.
- “Increase in investment securities at amortised cost” is an issuer-specific line, not mapped to a shared definition: Investing activities.
- “Employee share options exercised” is an issuer-specific line, not mapped to a shared definition: Financing activities, note 22.
- “Share buy back by subsidiary” is an issuer-specific line, not mapped to a shared definition: Financing activities.
- Not reported in this filing: Not reported in this filing: the FY2025 consolidated statement of cash flows (p209) has no 'Share buy back by subsidiary' line; its financing lines are 'Employee share options exercised', 'Issue of debt securities', 'Increase/(Decrease) in other borrowed funds', 'Repayment of lease liabilities' and 'Net refund of subordinated liabilities'. Checked on the page image (p209).
- “Issue of debt securities” is an issuer-specific line, not mapped to a shared definition: Financing activities.
- “Increase in other borrowed funds” is an issuer-specific line, not mapped to a shared definition: Financing activities: a net increase, not gross proceeds.
- Printed under different labels across filings: “Increase in other borrowed funds”; “Increase/(Decrease) in other borrowed funds”.
- “Repayment of lease liabilities”: mapping to a shared definition is uncertain. Printed 'Repayment of lease liabilities'; the statement does not say whether interest is included.
- Printed under different labels across filings: “Increase/(Decrease) in cash and cash equivalents”; “Increase/(decrease) in cash and cash equivalents”.
- Printed under different labels across filings: “Net cash and cash equivalents at beginning of the year”; “Net cash and cash equivalents at the beginning of the year”.
- “Net refund of subordinated liabilities” is an issuer-specific line, not mapped to a shared definition: Financing activities (FY2025 document; 2025 printed '-').
- Not reported in this filing: Not reported in this filing: the FY2026 consolidated statement of cash flows (p12) has no 'Net refund of subordinated liabilities' line in either column; its financing lines are 'Employee share options exercised', 'Share buy back by subsidiary', 'Issue of debt securities', 'Increase in other borrowed funds' and 'Repayment of lease liabilities'. ('Net subordinated loan received from /(granted to) subsidiaries' is an investing line with company-column figures only.) Checked on the page image (p12).
- Annual report dated 2025-09-26 presents this line for this year: - (p209). Not shown in this column, which follows one filing's presentation.
- Not reported in this filing: Not reported in this filing: the FY2026 cash-flow statement (p12) prints no 'Net refund of subordinated liabilities' line for the 2025 comparative (the FY2025 report printed '-' on that line for 2025). Checked on the page image (p12).
Segments
Segment data not yet collected for this company in the pilot.
Dividends
Proposed or recommended, declared and paid are different events and are kept apart. A statement that no dividend was proposed does not mean none was paid.
| Year ended | Event | Wording as printed | Amount | Unit | Source |
|---|---|---|---|---|---|
| 30 Jun 2026 | Dividends paid (cash flow statement) | Dividends paid to ordinary shareholders |
(4,898) | MUR millions | Audited financial statements, p12 |
| 30 Jun 2025 | Dividends paid (cash flow statement) | Dividends paid to ordinary shareholders |
(4,164) | MUR millions | Audited financial statements, p12 |
| 30 Jun 2024 | Dividends paid (cash flow statement) | Dividends paid to ordinary shareholders |
(3,754) | MUR millions | Annual report, p209 |
Sources
Each filing used on this page, newest period first. Dates are the document's own; the date we retrieved a file is shown separately and is never a publication date.
-
MCB Group Limited Consolidated and Separate Financial Statements Year ended 30 June 2026
Year ended 30 June 2026 · Audited financial statements · signed / final
Audit: Deloitte (Mauritius), unmodified opinion · signed
Auditor's sign-off: Deloitte, Chartered Accountants; Vishal Agrawal, FCA, Licensed by FRC
Final status: Independent auditor's report to the Shareholders of MCB Group Limited (scanned, PDF pp2-5): handwritten 'Deloitte' signature over 'Deloitte, Chartered Accountants, 28 September 2026' and a handwritten signature over 'Vishal Agrawal, FCA, Licensed by FRC' (PDF p5, page image). The statements were approved by the Board and authorised for issue on 28 September 2026, with handwritten signatures of three directors (Jean Michel Ng Tseung, Jayananda Nirsimloo, San T. Singaravelloo) (PDF p7, page image).
- Document date
- 28 Sep 2026
- Auditor's report
- 28 Sep 2026
- Board approval
- 28 Sep 2026
- Retrieved by us
- 8 Oct 2026 (not a publication date)
- Used for
- statement columns FY to 30 Jun 2026, FY to 30 Jun 2025
- Basis
- consolidated statements · MUR millions (printed “RS'M”)
- Dividends paid to ordinary shareholders and to non-controlling interests, dividends received from associates and purchases and sales of FVOCI investments are presented within operating activities (p12).
- Net cash and cash equivalents at 30 June in the statement of cash flows (218,325; 2025: 136,817, note 4) differ from 'Cash and cash equivalents' in the statement of financial position (218,255; 2025: 136,864). Note 4 (p65) reconciles them through the credit-impairment allowance (74; 2025: 83) and other borrowed funds (4; 2025: 130); kept as printed, the note is not transcribed.
- Statement of financial position ordered by liquidity: no current / non-current subtotals.
Technical details
- File
- 106 pages, with a text layer
- SHA-256
04313dfa98614be0f6ccca8f51596e2c4cb37c9537cc6570facfdca610eb51c3- Entity as printed
- MCB Group Limited (the 'Company') and its subsidiaries (the 'Group')
- Issuer copy
- retrieved 2026-10-08T19:13:28Z
-
MCB Group Limited Annual Report 2025
Year ended 30 June 2025 · Annual report · signed / final
Audit: Deloitte (Mauritius), unmodified opinion · signed
Auditor's sign-off: Deloitte, Chartered Accountants; Vishal Agrawal, FCA, Licensed by FRC
Final status: Independent auditor's report to the Shareholders of MCB Group Limited (PDF pp198-202): handwritten 'Deloitte' signature over 'Deloitte, Chartered Accountants, 26 September 2025' and a handwritten signature over 'Vishal Agrawal, FCA, Licensed by FRC' (PDF p202, page image). The statements were approved by the Board of Directors and authorised for issue on 26 September 2025, with handwritten signatures of three directors (Jean Michel Ng Tseung, Jayananda Nirsimloo, San T. Singaravelloo) (PDF p204, page image).
- Document date
- 26 Sep 2025
- Auditor's report
- 26 Sep 2025
- Board approval
- 26 Sep 2025
- Retrieved by us
- 8 Oct 2026 (not a publication date)
- Used for
- statement columns FY to 30 Jun 2024
- Basis
- consolidated statements · MUR millions (printed “RS'M”)
- Dividends paid to ordinary shareholders and to non-controlling interests, dividends received from associates and purchases and sales of FVOCI investments are presented within operating activities (p209).
- Net cash and cash equivalents at 30 June in the statement of cash flows (136,817; 2024: 94,377, note 4) differ from 'Cash and cash equivalents' in the statement of financial position (136,864; 2024: 94,508); the reconciliation in note 4 is not transcribed.
- Statement of financial position ordered by liquidity: no current / non-current subtotals. Unlike the FY2026 statements, no separate 'Mandatory balances with Central Banks' line is printed (p204).
- Annual Report 2025: strategic, governance and risk sections precede the auditor's report (PDF pp198-202) and the consolidated and separate financial statements (PDF pp204-315).
Technical details
- File
- 325 pages, with a text layer
- SHA-256
e19c206b6fcb4aed4b4f6a84c54246878a7e8ec6a8b52af118892190c654ece2- Entity as printed
- MCB Group Limited (the 'Company') and its subsidiaries (the 'Group')
- Issuer copy
- retrieved 2026-10-08T19:13:30Z
Data notes
No figure-level notes beyond those in the tables.
Review status: every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text; matched to OCR text of the page image; read from the page image) (17 October 2026). Independent review is pending for every figure; automated checks and the AI-assisted verification are not independent review.
Download
Figures shown on this page (CSV) — the same selected figures at their exact printed values, each with its source document, SHA-256, page, selection rule and reading. Independent review of these figures is pending.