Customer Satisfaction is our greatest achievement – Mr. Anil Lobo, Chairman, MCC Bank Ltd.

Mangaluru : The Mangalorean Catholic Cooperative Bank, popularly known as MCC Bank Ltd, celebrating post centenary decennial year on 27^th November 2022, is a living example of the remarkable growth and all-round development of an institution, if youth leaders with progressive vision and community concern get an opportunity to lead the institution.

The present Chairman of the MCC bank, Mr. Anil Lobo, who hails from Fermai, formerly a part of Omzoor parish in the dioceses of Mangalore is known as grass root leader with a vision. His leadership qualities were nurtured from the Omzoor ICYM unit, grown at Fermai, Valencia in various parish-level organizations like Catholic Sabha, and Parish Council, and community organizations like Rachana.

Once the present Chairman, Mr. Anil Lobo took over the mantle of MCC Bank Ltd, in the year 2018 with a clear majority, branches and the administrative office transformed into customer-friendly service zones. Customers can feel the vibrancy in the smiles of the staff in each and every bank.

Soon after assuming the charge as the chairman of the bank, Chairman, Mr. Anil Lobo’s first task was improvisation in customer service. For the past 4 years, the Bank has trained its staff in various professional and soft skills. As a result customers of the bank rate services of the MCC Bank in par excellence with other nationalized banks. Apart from the friendly customer service, customers of the MCC Bank are of the opinion that interest rates on deposits and other products are most competitive compared to other banks.

Chairman Mr. Anil Lobo says “ MCC Bank Ltd is a limited bank. It’s not a credit cooperative or souharda society. The state cooperative department looks after the registration and other statutory requirements. All remaining banking transactions come directly under the Reserve Bank of India, just like any other commercial or nationalized bank.  The bank needs to comply with the

guidelines and directions issued by the RBI from time to time. Just like any other nationalized or commercial bank, MCC Bank customers are protected under DICGC (Deposit Insurance and Credit Guarantee  Corporation) cover up to Rs. Five Lakhs for their deposits. There is a misunderstanding among a few that MCC Bank has no provision to operate trust (12A) accounts. This is totally false and baseless. Churches, Schools, and any other trusts and organizations can operate accounts in MCC Bank without any hindrance.  The bank has posted expert opinions from statutory and financial experts on our websites. Readers can find the link here :

Regarding the renovation, and relocation of the branches in the past years, Chairman Mr. Anil Lobo, says “ MCC Bank is just like a family. Every customer is just like a family member and he deserves to be treated like that. As and when a customer enters the branch they should get a homely feeling. The infrastructure of the branch and the service of the staff instill a feeling of security and trust in the customer. The entire banking industry today runs on trust and the location of the bank, infrastructure, and customer-friendly service are essential to gain and retain customers’ trust. In the fast four years from cyber security to GST, the bank has trained its staff in all areas, from the best experts available in respective areas. Now if you visit any of our branches, our staff is fully equipped with all the basic and advanced information related to banking. If we look at other banks, they have staff training colleges to train their staff. MCC Bank is completing 110 years of existence with 16 branches spread over twin districts. We were lacking a state-of-the-art staff training center to train our staff. So we decided to have a full-fledged staff training center at the administrative office.

Regarding the stability and sustainable growth of the Bank, Chairman Mr. Anil Lobo says, “Banking industry always grows on the trust of its customers. Having said that, mere air-conditioned branches and service with a smile are not enough to gain and retain customers’ trust. The financial health of the bank should be stable. For example, if we go to a physician for a health check, the first thing the physician will do is check the blood pressure. If the blood pressure is normal, one can say the health is fine. I always say NPA ( Non-performing Assets )  is like the blood pressure of the bank. If NPA is under control, in banking, most things are under control. Next comes profit, capital, and other things, which are expert areas”