KARACHI: MCB Bank deposits witnessed an enormous growth spurt, surpassing Rs2.3 trillion, owing to the impressive growth in the current account segment along with the solid CASA ratio. Amidst a constantly changing macroeconomic environment, the bank managed to bolster its financial position by paying out substantial dividends to its stakeholders.
MCB Bank Deposits 2025 Hit Rs2.3 Trillion with Strong Growth
MCB Bank was able to demonstrate an excellent capability of sourcing inexpensive funds when it grew its total deposits to Rs. 2.3 Trillion at the close of 2025, achieving an impressive yearly increase of 18%. This growth has consistently been maintained as per CAGR for the past three years, from 2022.
The standout achievement remains the bank’s historic surge in current accounts. These deposits grew by a staggering 29%, reaching Rs 1.2 trillion. By shifting its focus toward high-quality liquidity, MCB increased its current account share to 54%. Even at a ratio of 97% of CASA, the bank continues to maintain its position as one of the most effective funding institutions, ensuring that the percentage of current accounts is maintained above 50%.
Strategic Expansion and Operational Excellence
While many competitors are slowing down physical footprints, MCB continues to invest in its reach. At present, the bank has a total number of 1,402 branches across the country, out of which 321 are for Islamic banks. In order to gain more market share, the management plans to add another 40-50 branches by 2026.
This strategic move has not resulted in increased inefficiencies. MCB had a cost-to-income ratio of 38%, well under the industry average of 46%. Management plans to keep this ratio under 40% to ensure efficient operational practices.
Investments Portfolio and Risk Management
There has been an increase in the investments portfolio of the bank. Its value has increased from Rs 1.2 trillion in 2024 to Rs 1.9 trillion in December 2025. In the Pakistan Investment Bonds (PIB) investments, there is a balanced proportion between both types: floating rate and fixed rate in 75% and 25% respectively.
On the risk front, MCB continues to demonstrate superior asset quality. Its domestic NPL ratio stands at 5.04%, notably lower than the industry average of 6.07%. The bank has a coverage ratio of 92.5% and CAR of 19.5%. It has maintained a huge 8.03% cushion against regulatory norms.
Investor Outlook and Dividends
For investors, the primary highlight remains the bank’s commitment to cash payouts. In the fiscal year of 2025, MCB declared a total dividend of Rs 36.0 per share, one of the highest in the Pakistan banking industry.
On the other hand, management pointed out the increase in yield on secondary bonds by 100 to 170 basis points. The implication here is that there could be an increase in the interest rate within the monetary policy. Moreover, management was very confident about its performance abroad, stating that the UAE segment did not have any major issues with NPLs.
