Pakistan’s banking sector continued to improve its funding structure in 2025 by increasing its share of low-cost deposits, helping banks protect profits.
Data shared by Arif Habib Limited (AHL) shows that current accounts (deposits on which banks do not pay interest) rose to 41 percent of total deposits in 2025, up from 36 percent in 2024. This shift means banks are relying more on cheaper sources of funding.
In total, current account deposits increased by Rs. 4.7 trillion, reaching Rs. 16.3 trillion, indicating strong growth in deposits across the system.
This higher share of low-cost deposits is expected to support banks’ net interest margins (NIMs), which is a key measure of profitability.
Among major banks, Standard Chartered Bank Pakistan has the highest share of current accounts at 59 percent. It is followed by United Bank Limited at 51 percent, MCB Bank at 49 percent, and Meezan Bank at 48 percent.
Overall, the trend shows banks are becoming more efficient by relying on cheaper deposits, which can help maintain strong earnings even if economic conditions take a turn for the worst.
Ask the branch managers and relationship managers who are facing the pressure of generating current Accounts, they are being asked for bringing current Accounts or resign from their job. What a ruthless growth strategy specially by the Islamic Banks like meezan bank.
Why? Reason?
I specifically asked for a current account and the manager was pushing a savings one. Current is awesome.
پاکستانی عوام کرنٹ اکاؤنٹ اس لئے کھولتے ہیں کہ انہیں سود سے نفرت ہے۔ سود والے اکاؤنٹس لوگ زیادہ تر لاعلمی یا بہت کم تعداد مجبوراً کھولتی ہے ۔ حکومت پاکستان کو سودی معیشت کو ختم کر کے اسلامی شرعی معیشت کو فروغ دینا چاہیے
زیادہ تر عوام بینک اکاؤنٹس کے بارے آگاہی بھی نہیں رکھتی یہی وجہ ھے بینک زیادہ تر کرنٹ اکاونٹ کھول دیتے ہیں جیسے اسلامک کرنٹ اکاؤنٹ جس سے وہ اے ٹی ایم کی فیس کے سلسلے میں پیسے کاٹتے رہتے ہیں
کرنٹ اکاؤنٹ ہو یا سیونگ دونوں صورتوں میں سود نہیں ہے اس میں
Bank charges are increasing day by day. Just to own a credit card you have to pay thousands in fee even atm card also not free. Approx 3000 permonth are their atm charges .
Why would anyone put their money in a current account and not in a savings account. In current account the depositor gets no proift while the bank uses this money to loan others at high interest rates and making excessive profit for themselves.
Keeping money in savings accounts give you regular monthly profit which over time is compounded if you leave that money in your savings account. Simple common sense!
Savings have limitations. Current expects many transactions to happen. We can make money by savings in Sharia compliant stocks, commodities, money markets. They pay better. Savings at most would keep up with inflation. The math shows investing gives more.
I do suggest that Current Account holders should also be given some privileges. When ask for account statement, more than Rs300 are charged.
In Pakistan there are lots of Banks but sorry to say, No Banking…..
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