Karachi: MCB Bank Limited reported strong deposit growth during its Annual General Meeting (AGM) held today, with total deposits reaching Rs2.3 trillion in 2025, reflecting an 18% year-on-year increase and a 12% compound annual growth rate (CAGR) since 2020.
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The bank achieved a historic 29% surge in current account deposits, which climbed to Rs1.2 trillion. This robust performance lifted the share of current accounts to 54% of total deposits, while the Current and Savings Account (CASA) ratio remained exceptionally strong at 97% — well above industry peers and providing superior liquidity.
MCB’s management highlighted continued focus on low-cost current account mobilization as a key driver of its deposit franchise.On the investment side, the bank’s portfolio yielded 12.32% in 2025, down from 18.60% in the previous year amid the declining interest rate environment.
The portfolio remains well-balanced, with 63% in floating-rate Pakistan Investment Bonds (PIBs) and 21% in fixed-rate PIBs yielding 12.62% with a weighted average maturity of 2.28 years.
The bank also maintained superior operational efficiency, posting a cost-to-income ratio of 38%, significantly better than the industry average of 45%.
Looking ahead, management expressed confidence in sustaining earnings momentum backed by its strong current account mix and asset quality. They noted that any future increase in interest rates would provide additional upside to profitability.
MCB plans to maintain strict cost discipline, further grow its current account base, and preserve asset quality in the coming periods.