State Bank of Pakistan: Statistical Bulletin Banking System May 2018

Transcription

1. 3 .1 Scheduled Banks' Liabilities and Assets Liabilities/Assets 2014 2015 (Million Rupees) 2017 2016 Dec Jun Dec Jun Dec Jun Dec Capital 505,876.0 501,119.9 540,096.2 548,631.7 552,067.2 657,627.1 517,287.1 Reserves 463,359.4 615,757.0 641,746.7 620,448.7 670,241.5 639,464.0 756,858.3 4,504,968.9 5,172,476.2 5,093,745.0 5,561,224.4 6,091,277.9 6,625,035.0 7,346,818.9 98,803.1 100,097.7 130,265.0 125,696.4 156,691.2 137,339.5 139,141.6 (b) Others 4,406,165.8 5,072,378.6 4,963,480.0 5,435,528.0 5,934,586.7 6,487,695.6 7,207,677.3 Time Deposits 4,007,387.0 4,095,938.6 4,471,553.0 4,735,749.1 4,922,988.5 5,116,374.3 4,794,920.0 10,199.9 15,308.1 25,153.3 13,620.1 16,316.8 11,969.3 55,704.4 3,997,187.1 4,080,630.5 4,446,399.7 4,722,129.0 4,906,671.7 5,104,405.0 4,739,215.6 1,004,854.1 1,270,882.4 1,671,566.8 2,205,538.8 1,813,770.6 2,598,567.8 2,948,938.7 640,774.4 917,993.5 1,412,514.5 1,787,927.8 1,196,829.5 1,852,645.3 2,095,843.3 78,326.8 107,372.1 129,203.3 172,580.1 210,077.1 318,209.0 340,117.8 285,753.0 245,516.8 129,849.0 245,030.9 406,864.0 427,713.5 512,977.5 Liabilities Demand Deposits (a) Scheduled Banks (a) Scheduled Banks (b) Others Borrowings from (a). State Bank of Pakistan (b) Banks Abroad (c) Other Scheduled Banks Head Office and Inter-Bank Adjustment 133,203.2 169,715.1 262,859.0 134,407.5 149,948.3 145,795.8 127,658.8 Contingent Liabilities as per contra 3,810,594.3 4,193,278.7 4,196,427.7 4,446,871.7 4,151,895.4 5,092,265.8 5,470,701.3 Other Liabilities 3,286,848.8 3,115,490.3 3,435,634.1 3,508,024.7 4,269,817.7 3,743,437.9 5,590,176.9 17,717,091.8 19,134,658.2 20,313,628.4 21,760,896.7 22,622,007.3 24,618,567.7 27,553,359.8 Total Liabilities / Assets Assets Cash 742,013.9 937,644.7 813,373.2 821,920.2 1,113,358.3 1,215,145.2 1,258,728.2 (a) Notes, Coins and Silver 165,758.7 187,997.8 190,966.5 256,738.8 212,555.5 294,332.1 238,297.8 (b) Balances with State Bank of Pakistan 316,856.2 405,453.1 415,475.4 380,156.7 636,117.9 650,567.5 718,680.5 (c) Balances with Other Scheduled Banks 259,399.0 344,193.8 206,931.3 185,024.7 264,685.0 270,245.6 301,749.8 Balances held Abroad 194,060.3 186,453.2 226,193.8 188,926.2 175,738.3 217,541.2 178,730.1 Bills Purchased and Discounted 223,108.6 201,422.5 171,840.1 190,090.3 176,612.8 208,966.9 225,650.5 4,473,778.5 4,643,595.7 4,922,944.9 5,198,093.1 5,649,917.1 6,047,133.8 6,451,545.7 61,359.1 139,739.8 178,894.1 119,901.1 246,686.9 81,194.8 145,084.1 4,412,419.5 4,503,855.8 4,744,050.8 5,078,192.0 5,403,230.2 5,965,939.0 6,306,461.6 Advances to (a) Scheduled Banks (b) Others Investment in Securities and Shares 5,191,601.1 6,011,774.8 6,752,158.1 7,610,278.2 7,268,792.7 8,227,773.0 8,605,039.7 (a) Federal Government Securities 2,640,857.0 3,017,006.1 3,377,903.4 3,975,046.5 3,144,843.2 3,374,796.2 2,965,941.9 (b) Treasury Bills 1,728,730.5 2,164,377.3 2,537,577.9 2,666,090.3 3,145,702.9 3,783,600.4 4,588,491.8 - - - - - - 97,653.5 104,955.0 99,727.8 185,504.3 121,077.1 236,707.6 257,402.4 (e) Others 724,360.1 725,436.4 736,949.0 783,637.1 857,169.5 832,668.8 793,203.5 Bank Premises 201,254.3 238,727.9 244,496.3 268,335.0 256,711.9 295,253.6 329,884.8 Head Office and Inter-Bank Adjustment 629,373.4 615,872.8 933,679.9 791,734.1 1,340,189.5 999,505.6 378,230.7 Contingent Assets as per contra 3,810,594.3 4,193,278.7 4,196,427.7 4,446,871.7 4,151,895.4 5,092,265.8 5,470,701.3 Other Assets 2,251,307.2 2,105,887.8 2,052,514.4 2,244,647.9 2,488,791.4 2,314,982.6 4,654,848.8 (c) Provincial Governments Securities (d) Foreign Securities Source: Statistics & Data Warehouse Department, SBP 26
2. 3 .2 Classification of Scheduled Banks' Deposits by Type of Accounts (Amount in million Rupees) 2015 2016 Dec Jun 2017 Dec Jun Dec END OF PERIOD Amount No. of Accounts. Amount No. of Accounts. 22,952,066 3,320,845.1 24,611,041 3,529,662.3 26,106,174 160,330.3 234,823 165,902.0 264,426 243,578.3 265,271 196,837.3 50,630.9 93,342 73,615.7 109,297 90,065.7 16,596 66,284.3 4,088,784.0 20,201,900 4,369,175.0 20,083,575 4,601,833.5 20,711,068 4,940,453.1 20,862,777 5,129,299.6 1,273,957 2,179,583.1 1,522,806 2,256,675.7 1,468,461 2,470,244.9 1,815,147 2,442,236.4 1,128,639 2,630,952.2 Less Than 6 months 394,043 849,875.5 550,535 803,367.1 694,075 883,283.2 778,861 814,275.1 318,156 962,501.0 For 6 months & over but less than 1 year 229,338 347,019.8 165,884 381,503.8 141,162 425,611.3 139,039 442,027.3 148,503 413,279.6 For 1 year & over but less than 2 years 248,744 688,204.7 378,983 763,505.4 263,495 862,236.8 340,535 913,850.0 276,046 990,877.7 For 2 years & over but less than 3 years 66,434 37,797.1 74,840 42,660.2 61,992 36,237.5 56,586 30,126.6 60,385 29,595.4 For 3 years & over but less than 4 years 116,023 113,865.0 108,288 83,077.2 98,244 82,679.0 95,747 68,719.7 79,366 56,031.7 For 4 years & over but less than 5 years 13,330 5,933.4 14,901 4,978.7 11,067 3,534.9 13,595 4,832.5 29,882 10,411.0 206,045 136,887.5 229,375 177,583.3 198,426 176,662.2 390,784 168,405.3 216,301 168,255.8 43,372,840 9,409,879.7 45,018,774 10,157,657. 0 46,491,242 10,841,258.4 49,006,112 11,592,100.6 50,565,334 11,946,893.0 Current Deposits Call Deposits Other Deposits Accounts Saving Deposits FIXED DEPOSITS For 5 years & over All Deposits No. of Accounts. Amount No. of Accounts. 21,746,238 2,972,133.4 177,924 125,084.7 236,955 89,994 44,294.5 105,047 20,084,727 Note: Accounts in Numbers. No. of Accounts. Amount 3,875,767.2 28,292,051 3,923,519.5 Amount Source: Statistics & Data Warehouse Department, SBP 27
3. 3 .3 Classification of Scheduled Banks' Deposits by Category of Deposit Holders (End of Period: Million Rupees) CATEGORY OF DEPOSIT HOLDERS 2014 2015 2016 2017 Dec Jun Dec Jun Dec Jun Dec 86,369.0 95,035.4 111,617.4 111,990.1 112,132.7 126,415.9 135,522.0 I. Official 12,755.8 14,747.2 15,298.4 17,335.5 17,549.5 18,912.8 20,438.4 II. Business 40,181.5 46,718.2 52,085.7 51,543.7 54,678.7 57,669.0 63,157.0 III. Personal 33,431.6 33,570.0 44,233.4 43,110.9 39,904.4 49,834.1 51,926.6 8,316,984.0 9,057,973.6 9,298,262.2 10,045,666.9 10,729,125.7 11,465,684.7 11,811,371.0 A. FOREIGN CONSTITUENTS: B. DOMESTIC CONSTITUENTS : 866,947.8 985,439.5 1,066,426.0 1,235,250.1 1,344,112.1 1,584,254.6 1,669,449.3 A. Federal Government 518,887.7 558,674.8 638,142.6 744,874.3 783,981.2 916,845.2 927,361.9 B. Provincial Governments 327,769.5 404,401.0 407,848.1 467,303.5 533,566.7 624,451.0 683,460.7 20,290.5 22,363.6 20,435.3 23,072.3 26,564.2 42,958.4 58,626.7 493,245.1 480,793.8 489,923.1 561,827.1 634,300.3 705,130.9 701,246.7 I. Government : C. Local Bodies ( City Governments ) II. Non-Financial Public Sector Enterprises : A. Agriculture, Forestry, Hunting & Fishing B. Mining & Quarrying C. Manufacturing D. Construction E. Utilities F. Commerce 321.2 360.0 371.8 494.8 508.2 549.9 535.0 97,033.9 83,753.9 82,004.4 85,082.9 116,736.3 95,302.8 81,920.0 110,123.1 117,012.4 126,644.6 139,875.4 145,948.1 184,254.6 180,828.1 225.7 245.5 196.3 345.9 347.6 297.6 397.7 108,743.9 108,403.2 103,146.1 138,209.5 135,456.0 171,277.6 168,037.3 38,681.7 29,925.7 24,757.5 18,431.6 20,196.5 28,134.4 28,426.0 102,914.6 106,746.8 115,648.7 130,185.9 123,937.7 133,725.0 149,120.0 H. Services 27,068.4 29,880.8 30,451.1 37,782.7 38,836.5 39,482.7 43,578.6 I. Others 8,132.5 4,465.5 6,702.5 11,418.4 52,333.4 52,106.4 48,404.0 163,181.9 191,283.2 278,431.2 281,417.0 352,725.1 399,531.3 435,646.9 A. Co-operative Banks 2,141.3 2,113.8 4,639.6 7,883.7 5,604.3 7,687.0 6,593.7 B. Development Financial Institutions 2,929.7 2,990.0 4,072.6 2,912.4 5,673.5 8,478.4 5,438.7 42,654.5 40,532.8 66,275.6 58,678.9 85,423.0 85,020.7 107,270.0 G. Transport, Storage & Communication III. Non-Bank Financial Companies : C. Insurance Companies D. Micro Finance Banks 2,358.3 2,381.2 4,217.9 4,860.0 3,305.2 6,865.2 8,266.6 113,098.0 143,265.5 199,225.4 207,082.1 252,719.1 291,479.9 308,077.9 2,346,704.5 2,511,456.1 2,432,551.6 2,540,568.5 2,772,566.3 2,881,595.1 2,909,870.2 215,626.7 211,740.3 225,085.0 242,061.3 263,887.5 240,720.1 231,410.4 193,051.4 189,203.8 203,935.6 222,149.1 243,732.3 219,841.4 207,776.2 12,177.2 11,368.6 9,811.9 10,598.6 10,033.3 10,257.5 12,523.9 3- Agricultural and animal husbandry 5,481.3 5,661.9 5,161.9 4,200.8 3,921.6 3,959.7 3,647.0 4- Agricultural machinery and equipments 3,651.4 4,023.4 4,527.4 3,382.2 4,020.6 3,960.1 4,315.7 85.8 113.1 111.0 49.5 108.4 98.8 13.5 1,179.6 1,369.5 1,537.2 1,681.2 2,071.3 2,602.7 3,134.1 E. Other NBFC's IV. Private Sector Enterprises : A. Agriculture, Hunting and Forestry 1- Growing of crops 2- Farming of animals 5- Hunting, trapping, forestry & logging 6- Forestry and Logging and Related Service B. Fishing and fish farming etc. 2,495.1 2,319.1 2,525.0 2,356.1 1,903.4 1,999.6 1,441.1 69,787.8 94,917.4 86,412.2 71,833.7 83,046.0 82,222.4 94,219.9 1- Mining of coal 11,975.6 12,441.6 13,903.6 13,764.8 17,138.2 16,277.7 15,428.1 2- Crude petroleum & natural gas 51,083.3 74,544.1 65,379.8 48,731.8 57,218.6 58,100.1 57,218.6 3- Iron & non-ferrous metal ores 1,022.9 2,526.2 2,444.0 4,969.4 3,494.4 3,336.0 3,494.4 872.2 805.4 786.8 902.3 882.2 929.7 909.3 4,833.8 4,600.1 3,898.0 3,465.5 4,312.7 3,578.8 4,312.7 606,901.6 686,520.2 690,441.1 687,258.8 767,446.4 771,903.3 859,278.7 108,231.0 120,480.0 133,919.8 107,758.8 139,921.9 131,209.1 142,258.0 1,962.4 3,350.9 1,601.9 2,137.8 2,327.3 3,279.4 4,913.2 108,616.2 118,801.4 103,897.1 110,513.4 122,866.0 113,838.7 129,900.0 C. Mining and Quarrying 4- Quarrying of stone, sand and clay 5- Chemical, fertilizer, Salt etc. D. Manufacturing 1- Food products and beverages 2- Tobacco products 3- Textiles i) Spinning, weaving, finishing of textiles 89,388.9 94,926.1 75,482.8 78,527.3 83,049.6 77,015.6 90,409.7 a) Spinning of fibers 48,170.5 53,589.8 44,691.2 45,236.4 48,840.3 42,961.2 51,864.9 b) Weaving of textiles 27,059.5 26,577.5 17,696.8 17,232.0 18,462.7 18,730.1 20,973.0 c) Finishing of textiles 14,158.8 14,758.8 13,094.8 16,058.8 15,746.7 15,324.3 17,571.9 ii) Made-up textile articles 8,430.0 11,193.4 11,808.1 12,941.0 15,302.6 16,545.8 16,863.3 iii) Knit wear 4,070.9 4,252.0 4,872.3 5,136.4 5,608.0 5,872.0 5,417.0 iv) Carpets and rugs 2,547.3 2,804.9 3,168.4 3,134.3 4,025.0 4,143.2 9,498.3 v) Other textiles n.e.s. 4,179.2 5,625.0 8,565.6 10,774.5 14,880.8 10,262.2 7,711.6 13,514.0 14,637.4 14,948.4 17,020.8 20,216.8 22,542.3 25,904.2 4- Wearing apparel, readymade garments etc. 28
4. 3 .3 Classification of Scheduled Banks' Deposits by Category of Deposit Holders (End of Period: Million Rupees) CATEGORY OF DEPOSIT HOLDERS 2015 2016 2017 Dec Jun Dec Jun Dec Jun Dec 12,360.2 12,147.3 13,917.8 13,822.8 16,746.5 17,069.6 16,244.3 4,946.3 5,132.5 5,591.4 6,381.0 8,638.0 8,377.8 8,638.0 7,413.9 7,014.8 8,326.4 7,441.7 8,108.5 8,691.8 8,086.1 6,688.2 5,922.9 7,308.8 6,166.4 6,657.6 7,125.2 6,345.0 725.7 1,091.9 1,017.6 1,275.4 1,450.9 1,566.6 1,741.1 6- Wood and products of wood cork 3,150.8 3,302.7 4,363.9 4,546.9 4,364.2 4,461.6 4,421.7 7- Paper, paperboard and products 4,162.7 4,902.3 6,044.9 6,029.1 6,601.0 7,499.2 8,866.3 8- Printing, publishing and allied industries 8,376.9 12,400.8 11,712.8 12,018.7 12,738.1 14,549.1 14,453.8 5- Tanning and dressing of leather; manufacture of luggage and footwear i.) Tanning & dressing of leather, luggage, handbags etc. ii.) Footwear a) Leather wear b) Rubber and Plastic wear 9- Coke and refined petroleum products 10- Chemicals and chemical products 11- Rubber and plastics products 51,572.7 51,397.5 49,719.8 43,039.3 50,623.7 54,332.4 44,581.0 125,018.0 106,329.8 118,203.8 106,029.9 131,913.9 108,372.2 143,336.7 7,498.9 8,082.6 7,048.7 7,041.9 8,932.9 9,726.9 10,043.9 12- Other non-metallic mineral products 23,383.6 33,144.6 38,938.9 49,877.0 34,937.2 54,667.5 64,345.6 13- Basic metals 21,375.2 21,574.0 20,944.1 19,304.6 20,879.5 28,265.4 27,677.1 6,353.8 7,548.2 5,716.8 6,579.7 7,780.0 9,288.2 11,940.0 18,997.0 41,772.8 24,717.2 24,700.6 26,636.5 29,723.2 26,733.5 1,029.3 991.4 1,809.0 1,278.5 2,135.5 2,053.8 2,062.1 14,803.9 18,926.4 25,530.6 23,341.5 24,490.5 20,318.5 28,350.8 3,077.7 6,379.2 4,194.7 4,023.4 4,392.2 4,172.8 4,997.0 14- Fabricated metal products 15- Machinery and equipment 16- Office, accounting and computing machinery 17- Electrical machinery and apparatus 18- Radio, television and communication equipment and apparatus 19- Medical, precision and optical instruments, watches and clocks 20- Motor vehicles, trailers and semi-trailers 8,911.0 10,183.3 11,692.4 12,653.6 13,302.3 12,185.4 12,611.9 26,025.0 49,017.5 48,425.0 69,982.8 65,282.1 70,909.7 72,533.5 21- Other transport equipments 6,242.2 8,538.1 7,793.0 8,163.5 10,762.0 10,329.4 10,696.3 22- Furniture and fixture 2,594.6 1,703.7 1,635.9 1,551.7 1,878.1 2,117.4 2,660.0 23- Jewellery and related articles 2,727.5 2,493.0 2,580.7 2,795.2 2,979.1 2,471.7 2,865.8 24- Sports goods 2,924.2 3,298.9 3,760.4 4,215.2 4,945.4 4,709.4 5,814.8 133.9 169.5 158.2 361.0 199.2 177.0 220.3 23,858.9 24,946.8 27,165.2 28,471.1 29,594.5 33,633.2 40,846.9 25- Handicrafts 26- Other manufacturing n.e.s. E. Ship breaking and waste / scrape (junk) etc. F. Electricity, gas and water supply G. Construction 1- Building 2- Infrastructure H. Commerce and Trade 1- Sale, maintenance and repair of motor vehicles and motorcycles 2- Wholesale and commission trade 3,349.1 2,787.3 2,802.2 2,290.4 2,904.5 3,668.8 4,920.9 59,709.2 74,508.5 77,680.7 93,722.9 108,039.7 134,181.8 97,253.2 157,011.7 164,771.7 138,492.7 184,763.7 179,137.0 247,219.9 251,852.4 114,225.3 119,438.5 100,134.3 125,032.7 121,625.6 158,583.7 154,251.2 42,786.4 45,333.3 38,358.4 59,731.1 57,511.4 88,636.2 97,601.2 360,605.5 370,860.5 344,212.7 352,878.9 382,537.7 375,486.9 367,987.5 15,425.4 18,339.7 16,094.2 17,989.5 17,937.7 18,508.2 19,111.7 175,577.4 178,224.3 164,578.8 174,820.9 193,214.6 187,277.7 192,318.8 i) Exports 51,409.2 48,426.9 46,668.6 47,502.2 49,448.9 45,506.3 49,448.9 ii) Imports 21,928.5 24,245.1 25,207.6 30,402.7 33,131.0 35,603.2 33,131.0 102,239.8 105,552.4 92,702.5 96,916.0 110,634.7 106,168.2 111,671.2 169,602.7 174,296.4 163,539.8 160,068.4 171,385.4 169,701.0 156,557.1 13,275.2 13,129.5 13,341.4 14,429.0 19,118.0 18,021.0 16,800.4 J. Transport, storage and communications 145,974.7 137,610.2 153,003.6 170,768.1 186,582.6 180,692.9 211,393.7 K. Real estate, renting and business activities 283,795.1 299,158.9 290,333.6 285,563.3 300,098.0 301,132.4 318,187.5 44,444.9 38,179.6 36,940.5 48,193.5 49,505.6 59,266.8 84,913.2 4,994.3 1,946.5 1,747.9 2,189.6 2,201.9 2,350.8 2,429.0 21,652.3 25,760.4 26,852.0 29,928.2 30,461.9 29,785.9 33,320.0 iii) Domestic whole sales 3- Retail trade I. Hotels, restaurants and clubs etc 1- Real estate activities 2- Renting of machinery and equipment 3- Computer and related activities 4- Research and development 5,597.7 6,153.0 5,625.1 6,254.8 7,260.4 7,696.5 8,620.7 207,105.9 227,119.5 219,168.1 198,997.2 210,668.2 202,032.3 188,904.6 L. Education 56,297.7 55,926.7 58,067.1 59,689.5 86,467.4 71,543.0 85,274.8 M. Health and social work N. Other community, social and personal service activities O. Other private business n.e.c 28,622.4 41,024.4 39,395.5 37,405.5 45,195.7 47,636.4 50,051.4 5- Other business activities V. Trust Funds and Non-Profit Institutions VI. 2014 Personal VII. Others TOTAL 78,450.4 82,055.9 73,437.1 98,330.2 108,334.9 105,014.9 132,458.1 264,802.2 274,125.4 237,321.5 237,216.8 237,867.6 300,151.7 187,340.3 200,413.5 190,314.0 205,780.2 237,140.9 267,292.5 284,071.6 317,764.4 4,176,832.2 4,628,148.2 4,749,553.4 5,099,019.7 5,282,286.6 5,538,367.8 5,726,255.1 69,659.0 70,538.8 75,596.7 90,443.6 75,842.8 72,733.3 51,138.3 8,403,353.0 9,153,009.0 9,409,879.7 29 10,157,657.0 10,841,258.4 11,592,100.6 11,946,893.0 Source: Statistics & Data Warehouse Department, SBP
5. 3 .4 Classification of Scheduled Banks' Deposits by Category of Deposit Holder & Size of Account As on 31st Dec, 2017 (Million Rupees) D O M E S T I C SIZE OF ACCOUNTS FOREIGN CONSTITUENTS Government C O N S T I T U E N T S Non Financial Private Sector NBFC’s (Rs.) Public Sector No of No. of (Business) No. of No. of No of Accounts Amount Accounts Amount Accounts Amount Accounts Amount Accounts Amount 5,000 3,204 6.4 37,827 84.3 613 1.3 1,537 2.1 674,971 1,804.1 5,000 to 10,000 1,543 10.7 22,183 161.8 171 1.2 687 4.5 823,200 6,118.5 10,000 to 20,000 2,791 39.9 92,918 1,299.3 166 2.3 733 10.4 814,863 11,875.7 20,000 to 25,000 886 19.6 15,060 329.1 46 1.0 178 3.9 319,079 7,211.4 25,000 to 30,000 656 17.8 28,152 772.3 31 0.8 164 4.4 306,060 8,325.1 30,000 to 40,000 3,645 119.2 29,090 1,007.2 69 2.3 184 6.2 592,246 20,427.0 Less than 40,000 to 50,000 818 36.4 25,771 1,160.1 70 3.1 1,074 50.5 582,842 26,094.3 50,000 to 60,000 2,098 110.1 29,236 1,597.6 97 5.5 134 7.2 460,783 25,250.0 60,000 to 70,000 1,125 71.6 20,388 1,322.7 72 4.7 198 13.0 393,384 25,582.0 70,000 to 80,000 4,599 336.0 22,236 1,657.4 65 4.9 317 23.4 371,397 27,735.9 80,000 to 90,000 593 50.1 7,405 630.3 118 10.2 155 13.2 300,043 25,350.6 90,000 to 100,000 433 41.0 7,716 746.8 31 2.9 138 12.9 297,435 28,300.0 to 200,000 7,418 1,023.3 68,863 9,716.9 527 71.5 982 141.7 1,575,505 222,269.5 200,000 to 300,000 4,239 1,045.0 28,985 7,001.6 739 175.9 563 142.6 522,430 126,959.9 300,000 to 400,000 3,858 1,339.6 16,019 5,650.0 328 112.2 290 101.8 231,116 79,389.7 400,000 to 500,000 2,888 1,302.7 16,076 7,305.0 136 60.0 296 133.3 143,236 63,899.0 500,000 to 600,000 3,371 1,866.1 7,612 4,258.0 122 67.9 220 119.8 86,455 47,047.8 600,000 to 700,000 7,596 5,079.1 4,562 2,987.6 86 55.3 179 113.8 59,834 38,734.1 700,000 to 800,000 1,625 1,206.4 25,447 19,257.9 458 339.5 575 423.8 42,747 31,864.6 800,000 to 900,000 1,696 1,431.0 2,236 1,896.4 64 54.1 175 149.3 32,017 27,133.1 900,000 to 1,000,000 1,121 1,068.7 5,549 5,308.8 116 112.3 116 109.1 24,865 23,545.4 1,000,000 to 2,000,000 6,942 9,483.9 45,690 54,723.0 3,600 4,024.0 1,347 1,931.9 115,012 157,582.7 2,000,000 to 3,000,000 2,807 6,800.6 6,525 15,998.9 362 924.2 759 1,873.6 32,752 80,043.3 3,000,000 to 4,000,000 1,798 6,155.9 3,832 13,084.9 224 772.9 714 2,454.4 17,774 61,198.1 4,000,000 to 5,000,000 1,045 4,596.2 2,723 11,696.9 217 976.7 300 1,364.8 10,096 44,886.4 5,000,000 to 6,000,000 622 3,326.8 2,571 13,939.8 211 1,156.6 1,044 5,406.1 7,492 40,468.6 6,000,000 to 7,000,000 236 1,518.4 1,291 8,328.7 109 712.0 206 1,326.5 4,815 31,040.3 7,000,000 to 8,000,000 560 4,225.2 1,268 9,613.9 61 457.2 167 1,222.3 3,689 27,600.2 8,000,000 to 9,000,000 548 4,720.2 985 8,372.2 70 596.8 102 862.4 3,390 28,748.2 9,000,000 423 4,066.3 1,084 10,302.1 66 623.1 333 3,165.8 3,018 28,612.4 1,654 74,407.8 12,816 1,449,237.9 2,287 689,914.5 2,939 414,452.2 24,449 1,534,772.6 72,838 135,522.0 592,116 1,669,449.3 11,332 701,246.7 16,806 435,646.9 8,876,995 2,909,870.2 100,000 to 10,000,000 10,000,000 and TOTAL over 30
6. 3 .4 Classification of Scheduled Banks' Deposits by Category of Deposit Holder & Size of Account As on 31st Dec, 2017 (Million Rupees) D O M E S T I C SIZE OF ACCOUNTS C O N S T I T U E N T S TOTAL (Rs.) Trust Funds Personal No of Others No. of Sub Total No. of No. of No of Accounts Amount Accounts Amount Accounts Amount Accounts Amount Accounts Amount 5,000 23,648 59.0 1,680,953 4,146.4 35,405 72.0 2,454,954 6,169.1 2,458,158 6,175.5 5,000 to 10,000 14,785 109.3 1,364,099 10,087.3 46,611 373.1 2,271,736 16,855.5 2,273,279 16,866.2 10,000 to 20,000 12,373 180.7 2,642,287 39,782.2 22,814 335.9 3,586,154 53,486.4 3,588,945 53,526.4 20,000 to 25,000 4,319 99.3 1,343,688 30,376.3 11,208 251.8 1,693,578 38,272.8 1,694,464 38,292.4 25,000 to 30,000 3,147 88.9 1,551,450 42,656.8 21,351 585.8 1,910,355 52,434.2 1,911,011 52,452.0 30,000 to 40,000 19,739 687.1 3,126,171 109,481.6 26,629 922.2 3,794,128 132,533.7 3,797,773 132,652.8 40,000 to 50,000 13,026 584.6 2,918,161 130,891.5 43,552 1,908.6 3,584,496 160,692.6 3,585,314 160,729.0 50,000 to 60,000 18,211 1,001.8 2,674,478 146,905.3 30,552 1,670.8 3,213,491 176,438.3 3,215,589 176,548.4 60,000 to 70,000 1,713 111.7 2,480,189 160,951.2 14,692 939.7 2,910,636 188,924.9 2,911,761 188,996.5 70,000 to 80,000 4,871 367.8 2,149,594 161,132.3 16,340 1,274.8 2,564,820 192,196.5 2,569,419 192,532.5 80,000 to 90,000 5,729 481.8 1,868,282 158,503.9 10,680 904.2 2,192,412 185,894.1 2,193,005 185,944.2 Less than 90,000 to 100,000 9,493 907.0 1,709,305 161,973.6 22,013 2,102.5 2,046,131 194,045.8 2,046,564 194,086.8 to 200,000 33,471 4,794.7 9,163,623 1,280,774.3 85,045 12,110.7 10,928,016 1,529,879.4 10,935,434 1,530,902.7 200,000 to 300,000 11,474 2,850.8 2,808,115 681,172.4 30,182 7,102.0 3,402,488 825,405.1 3,406,727 826,450.1 300,000 to 400,000 7,396 2,441.7 1,103,821 379,031.3 4,523 1,591.6 1,363,493 468,318.3 1,367,351 469,657.9 400,000 to 500,000 3,579 1,548.3 549,188 242,894.2 991 445.8 713,502 316,285.6 716,390 317,588.3 500,000 to 600,000 2,599 1,366.8 282,181 153,803.3 1,679 909.6 380,868 207,573.1 384,239 209,439.1 600,000 to 700,000 1,546 991.7 182,173 117,918.9 1,147 723.4 249,527 161,525.0 257,123 166,604.0 700,000 to 800,000 944 707.0 135,798 101,443.0 1,324 995.3 207,293 155,031.1 208,918 156,237.5 100,000 800,000 to 900,000 796 674.4 96,117 81,323.7 1,060 914.8 132,465 112,145.8 134,161 113,576.8 900,000 to 1,000,000 2,072 1,998.3 80,194 75,830.8 427 400.9 113,339 107,305.7 114,460 108,374.4 1,000,000 to 2,000,000 5,450 7,603.3 277,816 376,901.1 825 1,076.0 449,740 603,841.9 456,682 613,325.8 2,000,000 to 3,000,000 2,213 5,342.2 80,060 192,111.6 473 1,049.9 123,144 297,343.6 125,951 304,144.1 3,000,000 to 4,000,000 1,689 5,926.9 28,491 97,321.9 329 1,119.7 53,053 181,878.9 54,851 188,034.8 4,000,000 to 5,000,000 944 4,218.3 15,270 67,710.5 22 96.1 29,572 130,949.7 30,617 135,545.9 5,000,000 to 6,000,000 630 3,385.6 9,855 52,844.3 15 77.9 21,818 117,279.1 22,440 120,605.9 6,000,000 to 7,000,000 442 2,832.5 5,456 35,060.7 69 429.8 12,388 79,730.3 12,624 81,248.7 7,000,000 to 8,000,000 252 1,896.3 3,443 25,687.6 85 598.8 8,965 67,076.3 9,525 71,301.5 8,000,000 to 9,000,000 294 2,492.2 2,848 23,987.6 35 285.3 7,724 65,344.7 8,272 70,064.9 9,000,000 232 2,178.1 2,105 19,848.4 4 38.4 6,842 64,768.2 7,265 68,834.5 over 3,480 259,836.5 19,246 563,701.1 151 9,830.8 65,368 4,921,745.5 67,022 4,996,153.3 TOTAL 210,557 317,764.4 40,354,457 5,726,255.1 430,233 51,138.3 50,492,496 11,811,371.0 to 10,000,000 10,000,000 and 50,565,334 11,946,893.0 Source: Statistics & Data Warehouse Department, SBP 31
7. 3 .5 Province/Region and Categories of Deposits Holders* (Billion Rupees) Provinces/Regions Category Dec-2016 Rural Urban Total Rural Rural Jun-2017 Urban Total Rural Dec-2017 Urban Total Overall Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 1.03 41.61 24.89 1.66 243.08 5.84 782.21 17.40 1,117.72 111.11 1,302.50 609.41 351.06 2,529.48 261.45 4,500.08 58.44 9,723.54 112.13 1,344.11 634.30 352.72 2,772.57 267.29 5,282.29 75.84 10,841.26 1.65 50.74 3.33 1.85 252.31 7.12 823.68 21.03 1,161.72 124.76 1,533.51 701.80 397.68 2,629.29 276.95 4,714.68 51.70 10,430.38 126.42 1,584.25 705.13 399.53 2,881.60 284.07 5,538.37 72.73 11,592.10 2.43 45.07 4.20 4.64 255.20 6.77 893.69 18.63 1,230.63 133.09 1,624.38 697.04 431.01 2,654.67 310.99 4,832.56 32.51 10,716.26 135.52 1,669.45 701.25 435.65 2,909.87 317.76 5,726.26 51.14 11,946.89 Punjab Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.49 6.04 0.59 0.42 145.88 3.13 423.61 0.36 580.53 20.81 548.09 170.25 42.28 1,072.20 80.15 2,175.85 6.14 4,115.78 21.30 554.13 170.84 42.70 1,218.08 83.28 2,599.46 6.50 4,696.31 1.27 7.79 0.73 0.17 155.89 3.33 448.75 0.96 618.89 25.53 687.78 221.45 27.08 1,078.98 85.06 2,273.13 5.07 4,404.08 26.80 695.56 222.18 27.25 1,234.87 88.40 2,721.88 6.03 5,022.97 2.01 6.60 1.44 2.91 155.23 2.16 481.68 1.18 653.21 29.42 751.68 226.50 44.50 1,044.17 96.12 2,349.16 7.32 4,548.86 31.43 758.28 227.94 47.41 1,199.40 98.28 2,830.84 8.49 5,202.07 Sindh Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.11 13.85 24.14 0.19 46.76 0.80 89.80 0.13 175.77 69.18 205.17 258.91 291.52 995.04 131.09 1,431.59 7.12 3,389.62 69.28 219.02 283.05 291.71 1,041.80 131.90 1,521.39 7.25 3,565.40 0.05 15.22 2.47 0.04 41.30 1.28 82.29 0.06 142.71 74.84 213.54 295.51 346.51 1,049.45 142.38 1,438.69 5.59 3,566.50 74.89 228.76 297.98 346.55 1,090.74 143.66 1,520.98 5.65 3,709.22 0.05 9.62 2.09 0.11 44.35 1.62 111.18 0.04 169.07 81.54 231.98 304.90 366.64 1,108.27 142.88 1,509.69 5.82 3,751.72 81.59 241.60 306.99 366.75 1,152.61 144.51 1,620.87 5.87 3,920.78 Khyber Pakhtunkhwa Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.13 3.24 0.04 0.12 22.05 0.96 126.54 1.33 154.40 2.40 197.35 11.71 0.78 105.74 7.41 346.59 5.91 677.88 2.53 200.59 11.74 0.90 127.79 8.37 473.12 7.23 832.28 0.09 4.91 0.03 0.02 24.07 0.99 136.76 1.61 168.48 1.97 192.13 23.24 5.28 115.77 7.02 361.43 3.48 710.31 2.06 197.03 23.27 5.30 139.84 8.01 498.19 5.09 878.79 0.13 4.77 0.30 0.12 25.52 1.89 146.47 1.58 180.79 1.53 203.91 12.96 4.31 117.50 9.62 362.76 3.25 715.82 1.66 208.68 13.26 4.43 143.02 11.51 509.23 4.83 896.62 Balochistan Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.03 12.19 0.07 .. 4.46 0.20 12.41 15.52 44.89 0.23 40.87 5.43 0.07 40.68 1.68 98.78 4.60 192.34 0.27 53.05 5.50 0.08 45.13 1.88 111.20 20.12 237.22 .. 10.97 0.06 7.42 0.33 15.48 18.34 52.62 0.14 50.87 9.67 0.10 49.40 2.49 109.63 3.35 225.64 0.15 61.84 9.73 0.10 56.82 2.82 125.12 21.69 278.26 .. 11.30 0.06 .. 5.64 0.31 20.04 15.60 52.96 0.34 54.53 8.57 0.31 43.19 2.13 105.23 3.26 217.56 0.34 65.84 8.63 0.31 48.83 2.44 125.28 18.86 270.52 Islamabad Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total .. 1.91 3.11 0.26 14.38 0.01 19.67 15.61 291.93 160.37 8.98 279.88 39.37 313.13 34.36 1,143.63 15.62 293.84 160.37 8.98 282.99 39.62 327.51 34.37 1,163.31 .. 5.16 .. 0.01 2.65 0.26 14.67 .. 22.76 20.22 366.31 150.04 9.97 301.17 38.03 364.01 33.89 1,283.64 20.23 371.47 150.04 9.98 303.82 38.28 378.69 33.90 1,306.40 0.01 5.72 .. 0.01 2.73 0.32 15.39 0.01 24.19 19.50 361.55 143.45 7.51 308.74 58.13 365.57 12.59 1,277.04 19.51 367.27 143.45 7.51 311.47 58.44 380.96 12.61 1,301.23 FATA Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total .. 0.62 0.06 .. 2.88 .. 10.85 0.02 14.43 .. 0.09 0.07 0.03 1.38 0.05 7.56 0.20 9.39 .. 0.71 0.13 0.04 4.25 0.05 18.41 0.22 23.82 .. 0.59 0.03 .. 3.13 0.22 12.11 0.05 16.13 .. 0.09 0.08 0.01 1.47 0.05 8.69 0.23 10.61 .. 0.68 0.11 0.01 4.60 0.27 20.80 0.28 26.75 .. 0.51 0.21 .. 0.11 0.13 0.02 1.50 0.05 4.82 0.22 6.85 .. 0.62 0.34 0.02 4.57 0.05 15.73 0.43 21.77 * End Position. 32 3.07 .. 10.91 0.21 14.92
8. 3 .5 Province/Region and Categories of Deposits Holders* (Billion Rupees) Provinces/Regions Category Dec-2016 Rural Urban Total Rural Jun-2017 Urban Total Rural Dec-2017 Urban Total Gilgit-Baltistan Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.06 3.37 .. 0.76 3.33 0.16 9.63 .. 17.31 0.06 8.32 0.13 5.72 10.53 0.30 9.99 0.04 35.08 0.11 11.69 0.13 6.48 13.86 0.45 19.62 0.04 52.39 0.04 5.74 .. 1.55 3.45 0.32 5.10 16.20 .. 7.56 1.58 6.72 7.86 0.48 10.56 0.04 34.80 0.04 13.30 1.58 8.27 11.32 0.80 15.65 0.04 51.01 .. 6.31 0.09 1.42 3.10 0.14 5.17 .. 16.23 .. 7.10 0.14 5.18 5.34 0.45 10.46 .. 28.67 .. 13.41 0.23 6.60 8.44 0.59 15.62 .. 44.90 AJK Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.20 0.38 .. 0.17 14.62 0.33 94.99 0.02 110.72 2.82 10.69 2.53 1.67 24.04 1.41 116.59 0.08 159.81 3.02 11.07 2.53 1.83 38.66 1.74 211.58 0.11 270.53 0.19 0.37 .. 0.06 14.38 0.39 108.52 123.91 2.07 15.24 0.24 2.02 25.20 1.44 148.54 0.05 194.79 2.26 15.60 0.24 2.08 39.58 1.84 257.06 0.05 318.71 0.23 0.23 0.01 0.07 15.56 0.33 102.84 .. 119.27 0.76 13.51 0.40 2.55 25.97 1.62 124.88 0.05 169.73 0.98 13.75 0.42 2.62 41.52 1.95 227.72 0.05 289.00 Source: Statistics & Data Warehouse Department, SBP * End Position. "Urban area” means an area which falls within jurisdiction of Municipal Corporation, or Metropolitan Corporation, or Municipal Committee, or Town Committee, or Cantonment Board, or any other area which has developed urban characteristics, and is declared as urban area by the government under Local Government Act 1975. While the areas other than urban areas are classified as rural areas. "Outstanding deposits" show position of deposits held by banks at the end of the period (30th June or 31st December). Deposits are the amount held in various types of deposit accounts by bank, such as demand deposits, time and saving deposits. Deposits include all types of deposits excluding interbank deposits, placements and margin deposits (deposits held by banks as collateral against letters of credits, letters of guarantees). Foreign Constituents: This covers the transactions with the non residents working in our economy. This includes Officials (Embassies consulates, foreign missions), Business (Corporations working in Pakistan for short periods as construction companies) and Personals (Students, travelers). Government: This includes Federal Government, Provincial & Local Governments deposits and advances. Further, disbursements to Government (Federal, Provincial & Local) are made by bank branches located in various regions/Provinces, while in case of deposits, the bank branches located in the various regions/Provinces have mobilized the deposits from the Government (Federal, Provincial & Local). Similarly, disbursements to eight main borrowers (Foreign, Govt., NFPSEs, NBFCs, Private Sector, Trust Fund, Personal and Others) are made by bank branches located in various regions/Provinces, while in case of deposits, the bank branches located in the various regions/Provinces have mobilized the deposits from these eight categories. NFPSEs (Non-financial Public Sector Enterprises): These are the non-financial resident corporations which are controlled by government, which may be exercised through ownership of more than half the voting shares, legislation, decree, or regulations that establish specific corporate policy or allow the government to appoint the directors. NBFCs & Fin Aux: NBFCs (Nonbank Financial Companies) & Fin Aux.(Financial Auxiliaries) are categorized into groups of development finance institutions, leasing companies, investment banks, modarba companies, housing finance companies, mutual funds, venture capital companies , discount houses, stock exchanges , exchange companies and insurance companies etc. Private Sector: This is that part of the economy which is run for private business profit and is not controlled by the state. This includes the majors sectors like Agriculture, Manufacturing etc. Trust Fund: This includes the Private Trusts and Non-profit Institution, Non-government Organization (NGOs)/ Community Based and Organizations (CBOs). Personal: This includes Bank Employees and Consumer Financing which are classified under advances, while in case of deposits, Salaried Persons, Self employed and Other Persons (House-wives, students etc) are included. Others: This includes all those which are not classified elsewhere. 33
9. 3 .6 Classification of Scheduled Banks' Deposits by Size of Account ( End of Period : Million Rupees ) SIZE OF ACCOUNTS (Rs.) 2015 2016 Dec Jun No of Accounts Less than 2017 Dec No of Amount Accounts Jun No of Amount Accounts Dec No of Amount Accounts No of Amount Accounts Amount 5,000 2,584,903 6,047.8 2,543,223 6,198.5 2,775,353 6,700.3 2,388,668 5,493.0 2,458,158 6,175.5 5,000 to 10,000 2,581,518 19,098.8 2,295,370 16,925.9 2,013,782 14,942.2 2,102,406 15,571.7 2,273,279 16,866.2 10,000 to 20,000 3,615,619 53,597.2 3,825,056 56,101.4 3,386,633 49,903.7 3,898,256 58,035.7 3,588,945 53,526.4 20,000 to 25,000 1,861,158 41,854.7 1,789,422 40,191.1 1,746,640 39,434.9 2,239,019 50,121.9 1,694,464 38,292.4 25,000 to 30,000 1,768,551 48,562.9 1,790,856 49,404.6 1,816,745 49,921.1 2,009,327 55,191.0 1,911,011 52,452.0 30,000 to 40,000 3,351,748 116,931.7 3,482,351 122,189.2 3,402,226 119,292.3 3,724,297 130,051.7 3,797,773 132,652.8 40,000 to 50,000 2,817,668 126,341.2 3,109,516 139,660.8 3,179,390 142,834.9 3,413,486 153,021.0 3,585,314 160,729.0 50,000 to 60,000 2,671,747 146,404.7 2,635,927 144,583.6 2,816,480 154,652.4 2,918,203 160,372.4 3,215,589 176,548.4 60,000 to 70,000 2,184,627 141,489.7 2,409,470 156,269.2 2,569,734 167,142.5 2,648,420 171,813.2 2,911,761 188,996.5 70,000 to 80,000 2,014,715 150,851.9 2,108,622 158,472.8 2,208,357 165,051.3 2,294,238 171,892.3 2,569,419 192,532.5 80,000 to 90,000 1,729,257 146,708.7 1,756,075 148,754.3 2,013,566 170,628.5 2,101,301 178,101.8 2,193,005 185,944.2 90,000 to 100,000 1,479,171 140,417.7 1,693,565 160,794.6 1,785,481 169,594.8 1,733,876 164,438.7 2,046,564 194,086.8 100,000 to 200,000 8,444,702 1,183,282.3 8,869,451 1,244,490.1 9,805,089 1,378,269.9 10,137,946 1,425,702.0 10,935,434 1,530,902.7 200,000 to 300,000 2,737,952 661,303.6 2,992,210 721,302.8 3,094,055 749,789.2 3,238,207 784,420.4 3,406,727 826,450.1 300,000 to 400,000 1,199,514 412,990.0 1,245,381 428,777.9 1,305,071 449,483.4 1,429,760 493,737.9 1,367,351 469,657.9 400,000 to 500,000 614,574 273,201.3 644,203 286,919.9 678,551 302,482.7 736,824 327,948.8 716,390 317,588.3 500,000 to 600,000 374,168 203,804.1 415,083 226,916.3 391,613 214,075.2 453,579 246,721.9 384,239 209,439.1 600,000 to 700,000 239,932 155,241.2 258,625 167,341.1 268,204 173,564.9 274,808 177,416.5 257,123 166,604.0 700,000 to 800,000 177,787 132,669.4 168,640 126,186.7 199,373 149,048.0 209,954 156,311.6 208,918 156,237.5 800,000 to 900,000 124,409 105,339.3 138,588 117,714.1 142,167 120,333.2 144,937 122,641.6 134,161 113,576.8 900,000 to 1,000,000 92,084 87,341.9 93,798 88,857.6 115,683 109,341.9 113,128 107,108.8 114,460 108,374.4 1,000,000 to 2,000,000 391,809 533,445.4 426,747 582,162.2 451,051 608,603.9 448,308 607,353.1 456,682 613,325.8 2,000,000 to 3,000,000 117,771 285,030.7 122,840 299,636.4 123,988 299,622.6 129,635 311,184.4 125,951 304,144.1 3,000,000 to 4,000,000 49,437 168,514.8 52,689 180,806.0 50,071 171,213.5 54,099 185,804.8 54,851 188,034.8 4,000,000 to 5,000,000 38,468 176,525.2 32,070 141,372.6 29,907 132,850.9 29,953 133,217.5 30,617 135,545.9 5,000,000 to 6,000,000 19,528 105,058.8 21,883 117,391.2 21,438 115,432.1 25,207 136,100.2 22,440 120,605.9 6,000,000 to 7,000,000 11,350 73,188.6 12,787 82,212.6 14,480 93,428.8 13,827 89,311.8 12,624 81,248.7 7,000,000 to 8,000,000 8,217 61,267.3 8,490 63,339.2 9,185 68,585.3 11,009 82,079.5 9,525 71,301.5 8,000,000 to 9,000,000 7,190 60,729.2 7,947 67,209.2 7,050 59,659.7 9,549 80,723.2 8,272 70,064.9 9,000,000 to 10,000,000 5,107 48,349.4 6,046 57,164.6 6,127 57,919.0 7,147 67,556.5 7,265 68,834.5 10,000,000 and over 58,159 3,544,290.4 61,843 3,958,310.8 63,752 4,337,455.0 66,738 4,742,655.6 67,022 4,996,153.3 43,372,840 9,409,879.7 45,018,774 10,157,657.0 46,491,242 10,841,258.4 TOTAL 49,006,112 11,592,100.6 Note:1. ‘Size of Account’ represents different classes constituted for classification of all deposits on the basis of the average amount of deposits. Each deposit account is then classified in these classes according to its average amount. 2. ‘No of Accounts’ represents the total number of account holder which falls in the respective class on the basis of its average amount. 3. ‘Amount’ represents the total amount of all deposits falling in the particular class. 34 50,565,334 11,946,893.0
10. 3 .7 Classification of Scheduled Banks' Advances by Size of Accounts All Banks ( End of Period : Million Rupees) 2015 SIZE OF ACCOUNTS (Rs.) 2016 Dec. 2017 Jun No. of Dec No. of Jun No. of Dec No. of No. of Accounts Amount Accounts Amount Accounts Amount Accounts Amount Accounts Amount Less than 10,000 26,853 116.8 110,332 479.4 84,309 393.9 369,450 1,101.1 241,601 762.8 10,000 to 20,000 470,266 7,352.9 388,845 5,593.4 356,315 5,438.8 33,744 492.4 408,202 5,869.7 20,000 to 25,000 16,928 385.1 130,131 2,770.1 115,804 2,462.1 25,309 585.0 27,772 616.5 25,000 to 30,000 31,733 894.2 115,081 3,037.4 26,175 727.4 168,553 4,616.7 180,873 5,019.6 30,000 to 40,000 238,444 8,328.8 150,810 5,394.3 264,419 9,033.4 105,883 3,855.2 70,559 2,537.7 40,000 to 50,000 137,551 6,004.7 140,869 6,053.9 193,513 8,665.5 266,319 12,042.8 193,721 8,493.4 50,000 to 60,000 44,459 2,471.7 79,332 4,560.0 48,851 2,630.0 59,339 3,236.2 87,442 4,762.3 60,000 to 70,000 40,306 2,616.4 54,238 3,559.3 35,575 2,307.0 113,417 7,486.4 46,715 2,994.7 70,000 to 80,000 37,321 2,785.9 33,904 2,544.6 48,854 3,673.5 42,924 3,212.7 131,585 10,131.5 80,000 to 90,000 66,454 5,664.9 61,547 5,278.1 70,296 6,039.0 61,920 5,305.4 50,895 4,355.8 90,000 to 100,000 67,926 6,386.8 73,310 6,945.6 134,989 12,590.2 59,200 5,607.0 70,940 6,707.6 100,000 to 200,000 983,478 147,498.6 949,670 139,372.5 849,100 125,925.0 803,233 121,335.8 681,101 104,611.5 200,000 to 300,000 435,392 104,731.7 442,308 106,478.4 457,135 110,138.1 482,099 116,986.9 459,708 110,075.0 300,000 to 400,000 136,259 46,189.1 141,094 47,476.4 157,273 53,006.4 164,543 55,836.3 154,447 53,360.0 400,000 to 500,000 68,410 30,364.2 83,638 37,716.8 95,243 43,657.0 149,659 67,746.4 145,995 63,990.9 500,000 to 600,000 108,759 61,264.2 119,590 66,402.8 119,285 63,428.7 83,168 45,283.1 106,378 57,574.9 600,000 to 700,000 52,740 34,532.2 32,737 21,283.1 43,388 27,780.6 29,971 19,418.2 59,474 38,952.8 700,000 to 800,000 28,485 21,440.9 47,606 34,825.5 48,317 35,743.2 57,399 42,520.8 83,393 62,264.9 800,000 to 900,000 29,594 25,527.7 23,395 19,764.7 28,609 24,484.9 36,966 31,174.6 44,642 37,653.3 900,000 to 1,000,000 14,012 13,405.8 17,744 16,925.4 21,338 20,289.0 21,711 20,644.9 35,804 33,806.4 1,000,000 to 2,000,000 70,372 98,219.0 72,200 97,550.1 84,426 113,773.6 77,870 104,588.1 134,821 175,180.6 2,000,000 to 3,000,000 26,172 62,546.2 27,606 67,259.7 27,368 65,981.5 31,135 74,501.1 47,062 112,274.0 3,000,000 to 4,000,000 14,808 51,481.7 12,129 42,412.2 12,544 43,822.3 14,649 52,128.0 16,844 57,846.1 4,000,000 to 5,000,000 9,361 42,172.9 9,396 42,140.8 10,557 47,469.5 10,480 47,519.6 11,199 50,607.3 5,000,000 to 6,000,000 6,124 33,325.6 6,241 33,677.7 6,032 32,706.5 6,442 35,147.3 9,443 51,471.7 6,000,000 to 7,000,000 4,282 27,553.6 5,718 37,499.5 5,336 34,850.7 5,604 36,077.3 5,203 33,718.4 7,000,000 to 8,000,000 3,098 23,184.5 3,255 24,349.7 3,959 29,699.8 4,645 34,522.7 5,081 38,328.5 8,000,000 to 9,000,000 2,577 21,876.0 2,559 21,586.5 2,936 24,884.4 2,971 25,081.2 3,567 30,507.4 9,000,000 to 10,000,000 2,500 23,866.8 2,655 25,284.6 3,434 32,814.5 3,464 33,027.4 3,275 31,406.2 30,134 908,924.9 10,000,000 to 100,000,000 23,755 726,077.9 24,653 753,035.3 27,584 841,364.3 27,853 850,816.0 100,000,000 to 500,000,000 4,721 992,161.2 5,093 1,069,236.8 5,406 1,128,167.4 5,821 1,232,095.8 6,015 1,271,228.6 500,000,000 and above 1,233 2,113,622.8 1,301 2,327,697.5 1,407 2,449,281.8 1,602 2,871,946.6 1,621 2,930,426.5 3,204,373 4,744,050.8 3,368,987 5,078,192.0 3,389,777 5,403,230.2 3,327,343 5,965,939.0 3,555,512 6,306,461.6 TOTAL Note:- Source: Statistics & Data Warehouse Department, SBP 1. ‘Size of Account’ represents different classes constituted for classification of all advances on the basis of the average amount of advances. Each loan is then classified in these classes according to its average amount. 2. ‘No of Accounts’ represents the total number of advances which fall in the respective class on the basis of its average mount. 3. ‘Amount’ represents the total amount of all advances falling in the particular class 35
11. 3 .8 Classification of Scheduled Banks' Advances by Size of Accounts Commercial Banks 2015 SIZE OF ACCOUNTS (Rs.) (End of Period: Million Rupees) 2017 2016 Dec No. of Jun No. of Dec No. of Jun No. of Dec No. of Accounts Amount Accounts Amount Accounts Amount Accounts Amount Accounts Amount Less than 10,000 17,411 73.4 96,819 415.0 71,309 337.4 354,638 1,041.5 227,176 704.1 10,000 to 20,000 461,554 7,216.1 379,805 5,451.6 347,508 5,303.5 25,348 367.6 400,111 5,747.6 20,000 to 25,000 9,041 208.5 124,479 2,644.4 110,485 2,343.2 19,719 460.5 22,051 487.9 25,000 to 30,000 23,713 673.3 108,306 2,849.9 19,968 557.1 165,402 4,530.1 177,582 4,930.6 30,000 to 40,000 216,552 7,557.7 129,855 4,659.2 254,026 8,401.9 92,328 3,373.5 61,202 2,207.3 40,000 to 50,000 103,969 4,507.4 119,993 5,137.0 181,458 8,127.8 257,221 11,640.5 184,692 8,088.4 50,000 to 60,000 25,597 1,435.1 66,180 3,848.5 38,815 2,093.7 50,168 2,734.9 78,727 4,282.7 60,000 to 70,000 29,111 1,894.2 42,531 2,792.2 24,342 1,587.0 102,609 6,781.8 33,529 2,139.0 70,000 to 80,000 22,985 1,708.1 24,312 1,822.4 35,729 2,679.3 27,569 2,055.2 116,625 9,005.1 80,000 to 90,000 47,525 4,041.4 40,404 3,478.7 48,118 4,146.4 40,848 3,510.7 35,247 3,028.7 90,000 to 100,000 39,857 3,736.1 43,434 4,096.8 97,829 9,772.2 34,941 3,305.6 50,492 4,772.0 100,000 to 200,000 516,827 78,913.7 547,389 79,800.8 483,489 71,233.8 461,405 69,441.7 352,020 53,754.1 200,000 to 300,000 284,924 68,552.5 248,720 60,066.7 248,667 59,839.0 247,721 60,309.0 209,771 50,074.1 300,000 to 400,000 94,903 32,324.1 91,101 30,705.4 99,887 33,595.3 105,197 35,761.4 97,045 33,823.9 400,000 to 500,000 55,310 24,467.1 70,691 31,939.3 80,190 37,022.5 131,292 59,593.4 119,191 51,908.0 500,000 to 600,000 100,097 56,448.2 105,146 58,291.4 102,984 54,457.8 68,072 37,200.4 97,896 53,051.2 600,000 to 700,000 41,728 27,538.7 28,082 18,335.4 39,738 25,438.4 26,054 16,882.2 55,909 36,637.6 700,000 to 800,000 27,126 20,429.2 45,543 33,299.4 46,012 34,005.9 54,196 40,114.8 79,164 59,121.8 800,000 to 900,000 28,998 25,023.8 22,381 18,920.4 27,444 23,506.6 35,802 30,199.9 43,635 36,802.1 900,000 to 1,000,000 13,822 13,224.6 17,095 16,321.4 20,855 19,827.0 21,365 20,315.8 35,441 33,461.9 1,000,000 to 2,000,000 69,520 97,033.7 71,142 96,080.7 83,376 112,312.0 76,872 103,202.6 133,748 173,703.3 2,000,000 to 3,000,000 25,801 61,591.2 27,157 66,118.6 26,912 64,819.7 30,665 73,306.8 46,520 110,928.1 3,000,000 to 4,000,000 14,671 51,022.9 11,974 41,892.3 12,389 43,305.0 14,528 51,717.6 16,676 57,272.5 4,000,000 to 5,000,000 9,298 41,896.4 9,329 41,838.0 10,466 47,067.9 10,368 47,022.6 11,120 50,250.7 5,000,000 to 6,000,000 6,073 33,044.0 6,211 33,515.2 5,995 32,506.4 6,401 34,928.7 9,391 51,187.8 6,000,000 to 7,000,000 4,266 27,449.6 5,700 37,383.9 5,321 34,754.9 5,589 35,979.0 5,188 33,619.0 7,000,000 to 8,000,000 3,076 23,019.2 3,227 24,139.5 3,938 29,540.6 4,631 34,416.0 5,064 38,199.6 8,000,000 to 9,000,000 2,560 21,730.4 2,546 21,473.9 2,919 24,737.6 2,959 24,977.8 3,557 30,421.5 9,000,000 to 10,000,000 2,484 23,715.4 2,641 25,152.3 3,413 32,615.1 3,448 32,876.8 3,256 31,225.6 10,000,000 to 100,000,000 23,630 722,916.6 24,529 749,939.4 27,465 838,226.5 27,733 847,800.5 30,016 905,853.9 100,000,000 to 500,000,000 4,709 989,663.3 5,081 1,066,799.8 5,394 1,125,748.6 5,808 1,229,102.9 6,002 1,268,171.0 500,000,000 and above 1,230 2,111,553.4 1,298 2,325,473.4 1,404 2,447,325.1 1,600 2,870,469.4 1,619 2,929,064.2 2,328,368 4,584,609.2 2,523,101 4,914,682.8 2,567,845 5,237,235.1 2,512,497 5,795,421.1 2,749,663 6,133,925.5 TOTAL Source: Statistics & Data Warehouse Department, SBP 36
12. 3 .9 Classification of Scheduled Banks' Advances by Size of Accounts and Borrowers As on 31st Dec 2017 (Million Rupees) SIZE OF ACCOUNTS (Rs.) Non Financial Public Sector Government Trust Funds and Non-Profit Institutions Private Sector (Business) NBFCs Personal Others TOTAL No. of A/C Amount No. of A/C Amount No of A/C Amount No. of A/C Amount No. of A/C Amount No. of A/C Amount No. of A/C Amount No. of A/C Amount Less than 10,000 4 .. 3 .. 2 .. 83,301 137.2 11 .. 157,756 624.2 523 1.4 241,601 762.8 10,000 to 20,000 - - 3 .. 1 .. 31,565 397.7 1 .. 376,517 5,470.4 115 1.6 408,202 5,869.7 20,000 to 25,000 - - - - - - 8,127 181.6 - - 19,427 429.8 218 5.1 27,772 616.5 25,000 to 30,000 1 .. - - - - 4,155 112.4 - - 176,673 4,906.0 44 1.2 180,873 5,019.6 30,000 to 40,000 - - - - - - 19,225 664.7 1 .. 51,261 1,870.5 72 2.5 70,559 2,537.7 40,000 to 50,000 - - - - - - 16,257 736.4 - - 177,409 7,754.5 55 2.5 193,721 8,493.4 50,000 to 60,000 - - - - - - 12,917 705.0 - - 74,445 4,052.9 80 4.3 87,442 4,762.3 60,000 to 70,000 - - - - - - 19,642 1,270.2 - - 27,013 1,720.6 60 3.9 46,715 2,994.7 70,000 to 80,000 - - - - - - 22,454 1,669.7 - - 109,077 8,457.9 54 4.0 131,585 10,131.5 4,355.8 80,000 to 90,000 - - 2 0.2 - - 22,819 1,941.6 - - 27,973 2,405.6 101 8.4 50,895 90,000 to 100,000 - - - - - - 24,872 2,350.8 - - 46,025 4,352.7 43 4.1 70,940 6,707.6 100,000 to 200,000 - - 2 0.3 3 0.4 457,580 70,357.2 3 0.5 222,544 34,117.5 969 135.6 681,101 104,611.5 200,000 to 300,000 3 0.8 94 24.2 10 2.3 299,621 71,749.4 - - 159,663 38,224.5 317 73.7 459,708 110,075.0 300,000 to 400,000 - - - - 3 1.0 74,069 25,340.5 9 3.1 79,353 27,647.3 1,013 368.1 154,447 53,360.0 400,000 to 500,000 - - - - 3 1.3 96,063 41,382.5 2 0.9 49,858 22,575.7 69 30.6 145,995 63,990.9 500,000 to 600,000 - - - - 6 3.3 37,117 19,897.7 7 3.8 69,196 37,640.7 52 29.3 106,378 57,574.9 600,000 to 700,000 - - - - 2 1.3 25,506 16,632.2 6 4.1 33,898 22,275.3 62 40.0 59,474 38,952.8 700,000 to 800,000 - - - - 11 8.2 25,856 19,452.1 - - 57,483 42,772.0 43 32.5 83,393 62,264.9 800,000 to 900,000 - - 61 53.3 27 22.0 21,361 18,011.8 1 0.8 22,747 19,173.1 445 392.3 44,642 37,653.3 900,000 to 1,000,000 - - 5 5.0 4 3.8 20,692 19,648.9 2 1.9 14,742 13,814.5 359 332.3 35,804 33,806.4 1,000,000 to 2,000,000 - - 47 69.9 188 256.3 78,371 102,803.4 31 43.1 56,078 71,861.1 106 146.7 134,821 175,180.6 2,000,000 to 3,000,000 - - - - 58 145.4 29,787 70,287.2 11 30.1 17,181 41,748.5 25 62.9 47,062 112,274.0 3,000,000 to 4,000,000 - - - - 9 31.0 11,780 40,499.9 - - 5,045 17,279.8 10 35.5 16,844 57,846.1 4,000,000 to 5,000,000 - - - - 13 59.5 7,260 32,846.0 1 4.4 3,915 17,652.9 10 44.5 11,199 50,607.3 5,000,000 to 6,000,000 - - 1 5.0 10 54.2 7,126 38,688.9 9 47.3 2,287 12,620.4 10 55.8 9,443 51,471.7 6,000,000 to 7,000,000 - - 4 27.4 2 13.2 4,136 26,837.0 2 12.6 1,052 6,782.1 7 46.1 5,203 33,718.4 7,000,000 to 8,000,000 22 157.8 - - 9 67.0 3,431 25,812.7 1 7.9 1,618 12,283.2 - - 5,081 38,328.5 8,000,000 to 9,000,000 - - - - 3 25.3 3,007 25,691.0 4 34.3 553 4,756.8 - - 3,567 30,507.4 9,000,000 to 10,000,000 1 9.0 - - 3 28.9 2,802 26,888.8 1 10.0 462 4,412.1 6 57.5 3,275 31,406.2 10,000,000 to 100,000,000 17 745.3 137 7,702.5 122 6,135.4 27,682 851,500.1 50 2,262.1 2,083 39,775.0 43 804.4 30,134 908,924.9 100,000,000 to 500,000,000 65 13,275.8 80 20,382.3 147 32,988.3 5,672 1,193,845.7 25 6,459.0 25 4,148.4 1 129.1 6,015 1,271,228.6 500,000,000 and above 96 662,501.4 196 852,490.6 50 39,384.5 1,256 1,352,549.1 9 7,743.7 14 15,757.3 - - 1,621 2,930,426.5 209 676,690.1 635 880,760.7 686 79,232.8 1,505,509 4,100,889.2 187 16,669.7 2,043,373 549,363.4 4,912 TOTAL 2,855.8 3,555,512 6,306,461.6 Source: Statistics & Data Warehouse Department, SBP 37
13. 3 .10 Classification of Scheduled Banks' Advances by Borrowers All Banks (End of Period: Million Rupees) 2015 Specialized Banks 676,690.1 675,849.0 841.1 223,449.2 223,449.2 - 229,240.8 219,729.1 219,729.1 - 7,129.2 3,901.2 3,720.1 3,720.1 - 412,627.3 359,501.7 458,275.4 453,240.9 452,399.8 841.1 310,202.1 401,675.9 348,488.4 457,887.2 452,195.3 451,354.2 841.1 998.0 10,951.4 11,013.3 388.3 1,045.6 1,045.6 - - - - - - - - 570,609.2 649,245.6 683,947.6 804,368.9 880,760.7 880,760.7 - (1) Agriculture, Forestry, Hunting & Fishing - 614.8 - - - - - (2) Mining & Quarrying - 56,086.2 56,086.2 - 1,500.0 1,500.0 - 57,342.5 51,139.1 42,757.4 50,652.2 58,267.8 58,267.8 - - - - - - - - 25,990.3 99,289.9 50,571.0 149,872.4 307,074.9 307,074.9 - (6) Commerce 109,637.5 105,858.9 116,919.1 154,222.0 146,385.6 146,385.6 - (7) Transport, Storage & Communication 165,476.7 134,173.7 160,938.6 187,636.4 231,605.3 231,605.3 - 672.0 539.7 482.8 278.5 328.3 328.3 - 211,490.3 201,543.4 256,192.5 261,707.4 135,598.9 135,598.9 - 50,334.3 68,593.1 78,952.7 81,428.9 79,232.8 79,122.4 110.4 1. Government: A. Federal Government: (1) Commodity Operations (2) Others B. Provincial Governments: (1) Commodity Operations (2) Others C. Local Bodies ( City Governments ) Non-Financial Public Sector Enterprises : (3) Manufacturing (4) Construction (5) Utilities (8) Services (9) Others III. Non-Bank Financial Institutions : (1) Co-operative Banks Dec Jun Dec Jun 537,517.2 644,901.6 571,552.2 691,417.4 226,317.2 232,274.3 212,050.5 233,142.0 212,303.8 211,398.1 204,921.3 14,013.4 20,876.2 311,200.0 All Banks - - - - - - - 13,593.8 18,299.2 24,187.8 19,759.4 22,609.9 22,609.9 - (3) Insurance Companies 1,187.5 3,080.4 4,410.0 5,980.0 8,611.3 8,611.3 - (4) Micro Finance 2,732.4 2,795.7 3,357.5 2,505.3 2,233.5 2,233.5 - (5) Other NBFC's 32,820.6 44,417.8 46,997.5 53,184.1 45,778.1 45,667.8 110.4 3,174,992.8 3,270,052.4 3,597,450.0 3,861,265.0 4,100,889.2 3,932,326.0 168,563.1 302,948.3 292,926.6 302,654.6 297,493.2 309,189.2 155,542.4 153,646.8 (1) Growing of crops 204,793.2 191,551.0 201,253.5 194,713.9 190,071.5 108,779.1 81,292.5 (2) Farming of animals 65,035.4 73,180.4 73,423.1 76,361.1 88,901.3 36,249.3 52,651.9 1,668.7 1,476.8 2,853.9 2,452.1 4,280.7 4,280.7 - 31,169.3 26,549.5 24,885.0 23,628.9 25,634.3 5,934.0 19,700.3 (2) Development Financial Institutions IV. 2017 Dec Commercial Banks BORROWERS II. 2016 Private Sector Enterprises : A. Agriculture, Hunting and Forestry (3) Agricultural and animal husbandry (4) Agricultural machinery and equipments (5) Hunting, trapping, forestry & logging 281.7 168.8 239.1 337.2 301.5 299.3 2.2 1,024.6 822.5 853.5 873.8 636.7 606.6 30.1 23,562.3 26,457.6 35,596.4 40,154.4 42,969.5 42,897.9 71.6 1,965.9 9,247.5 9,267.0 14,029.6 16,898.7 16,849.7 49.0 18,642.5 12,177.3 18,411.0 23,256.2 22,089.7 22,089.7 - (3) Iron & non-ferrous metal ores 424.9 553.6 643.4 694.0 813.7 813.7 - (4) Quarrying of stone, sand and clay 391.8 776.0 361.5 478.1 1,232.2 1,216.9 15.3 B. Fishing and fish farming etc. C. Mining and Quarrying (1) Mining of coal (2) Crude petroleum & natural gas (5) Chemical, fertilizer, Salt etc. D. Manufacturing (1) Food products and beverages (2) Tobacco products (3) Textiles i) Spinning, weaving, finishing of textiles 2,137.3 3,703.2 6,913.5 1,696.5 1,935.1 1,927.8 7.3 1,830,017.6 1,865,799.0 2,050,137.7 2,238,364.3 2,369,333.9 2,360,551.5 8,782.4 446,443.1 460,374.1 495,040.6 607,949.7 608,137.3 605,794.3 2,343.0 6,083.5 3,227.6 4,002.2 8,577.6 975.2 944.2 31.0 606,856.4 613,275.7 709,083.0 689,065.3 801,589.5 798,719.3 2,870.2 458,416.4 462,988.6 554,597.4 532,401.1 605,576.2 603,254.9 2,321.3 a) Spinning of fibers 255,248.1 258,394.4 326,614.1 297,806.5 332,679.0 331,219.4 1,459.6 b) Weaving of textiles 102,913.5 108,611.1 120,791.3 128,738.0 146,429.6 146,336.3 93.3 c) Finishing of textiles 100,254.9 95,983.1 107,192.1 105,856.6 126,467.5 125,699.2 768.3 ii) Made-up textile articles 69,995.8 60,613.0 61,503.4 59,217.2 81,219.1 81,211.1 8.0 iii) Knit wear 27,279.7 24,246.0 31,766.8 28,522.9 27,624.1 27,150.9 473.3 11.3 iv) Carpets and rugs v) Other textiles n.e.s. (4) Wearing apparel, readymade garments etc. 5) Tanning and dressing of leather; manufacture of luggage and footwear i.) Tanning & dressing of leather, luggage, handbags etc. ii.) Footwear 3,157.4 11,241.8 8,921.3 11,515.9 9,205.0 9,193.7 48,007.0 54,186.3 52,294.1 57,408.2 77,965.0 77,908.6 56.4 52,309.4 59,356.9 69,769.8 75,085.5 84,459.6 84,248.7 210.9 19,995.4 21,377.7 23,819.1 23,885.9 22,871.3 22,714.9 156.4 9,392.6 9,036.2 9,375.6 9,387.6 8,293.4 8,215.0 78.4 10,602.8 12,341.5 14,443.5 14,498.3 14,577.9 14,500.0 77.9 38
14. 3 .10 Classification of Scheduled Banks' Advances by Borrowers All Banks (End of Period: Million Rupees) 2015 BORROWERS 6) Wood and products of wood cork 7) Paper, paperboard and products 8) Printing, publishing and allied industries Dec 2016 Jun 2017 Dec Jun All Banks Dec Commercial Banks Specialized Banks 1,382.0 1,906.1 1,958.7 2,518.5 2,311.0 2,258.6 52.4 32,615.8 39,817.2 39,346.8 40,647.2 38,366.5 38,220.2 146.4 107.8 7,487.8 7,502.2 7,473.0 7,807.1 9,788.3 9,680.5 77,452.5 58,174.1 75,801.8 75,600.3 60,834.9 60,834.9 - 262,235.3 269,891.1 273,378.7 294,683.3 272,687.3 271,585.1 1,102.2 11) Rubber and plastics products 25,071.4 29,936.9 27,381.1 34,394.6 37,068.5 36,796.5 272.0 12) Other non-metallic mineral products 75,530.7 72,205.0 82,333.2 84,636.3 107,270.2 106,578.0 692.2 13) Basic metals 77,415.5 83,560.7 82,343.5 100,631.2 111,351.4 111,101.2 250.2 14) Fabricated metal products 9,847.8 18,775.8 15,052.1 23,077.8 23,074.7 22,999.4 75.4 15) Machinery and equipment 20,496.6 21,947.5 23,279.9 25,624.8 35,097.0 35,037.4 59.6 984.2 768.4 316.5 347.0 292.5 290.6 1.9 51,094.6 43,319.8 52,648.4 63,239.3 69,594.6 69,571.1 23.5 3,910.7 5,940.4 5,024.0 5,583.1 3,587.6 3,580.7 6.9 9) Coke and refined petroleum products 10) Chemicals and chemical products 16) Office, accounting and computing machinery 17) Electrical machinery and apparatus 18) Radio, television and communication equipment and apparatus 19) Medical, precision and optical instruments, watches and clocks 20) Motor vehicles, trailers and semi-trailers 4,801.0 5,862.2 6,427.4 4,686.9 5,523.9 5,479.0 44.8 18,982.0 17,721.2 20,313.8 19,442.2 24,693.8 24,585.2 108.6 21) Other transport equipments 4,017.7 4,608.2 3,317.3 6,640.3 7,112.4 7,105.6 6.8 22) Furniture and fixture 1,183.1 2,265.3 2,311.8 2,670.7 3,303.2 3,219.7 83.5 23) Jewellery and related articles 631.0 566.5 645.5 660.7 674.0 623.5 50.5 4,443.3 4,502.1 4,765.9 4,742.6 4,986.4 4,973.5 12.9 61.7 73.9 64.5 268.4 72.2 55.9 16.3 18,685.2 18,842.5 24,239.3 35,898.0 33,610.4 33,553.4 57.0 19,810.1 25,890.0 27,447.6 25,971.0 32,258.2 32,258.2 - 277,759.9 304,465.6 352,064.8 364,046.9 379,772.3 379,767.9 4.4 G. Construction 85,328.6 96,347.2 106,781.2 131,483.1 138,445.8 138,099.3 346.4 1) Building 50,747.7 49,023.7 48,342.2 66,099.4 72,276.4 72,024.2 252.1 2) Infrastructure 34,580.9 47,323.5 58,439.0 65,383.7 66,169.4 66,075.1 94.3 252,366.7 259,619.5 281,236.7 296,578.4 335,734.1 332,127.6 3,606.5 24) Sports goods 25) Handicrafts 26) Other manufacturing n.e.s. E. Ship breaking and waste / scrape (junk) etc. F. Electricity, gas and water supply H. Commerce and Trade 1) Sale, maintenance and repair of motor vehicles and motorcycles 2) Wholesale and commission trade 6,609.9 15,797.7 26,003.8 17,526.0 17,649.6 17,283.5 366.2 130,468.1 132,008.4 130,766.7 141,452.7 164,304.0 164,119.7 184.3 i) Exports 22,160.5 27,144.3 20,302.1 19,755.8 19,429.7 19,429.7 - ii) Imports 26,325.6 24,347.7 28,028.4 32,468.8 37,753.6 37,752.5 1.0 iii) Domestic whole sales 3) Retail trade I. Hotels, restaurants and clubs etc 81,982.0 80,516.5 82,436.3 89,228.1 107,120.8 106,937.5 183.3 115,288.7 111,813.4 124,466.2 137,599.7 153,780.4 150,724.4 3,056.0 24,673.4 27,961.5 35,815.2 33,914.0 32,906.0 32,728.7 177.4 J. Transport, storage and communications 156,077.8 178,268.5 174,544.3 202,744.9 219,275.3 218,618.7 656.6 K. Real estate, renting and business activities 111,955.1 111,947.1 128,504.0 129,096.2 142,724.9 142,545.9 179.0 11,042.1 17,694.2 11,335.6 17,429.9 19,222.7 19,072.2 150.5 L. Education M. Health and social work N. Other community, social and personal service activities O. Other private business n.e.s 4,271.5 4,975.4 5,345.8 4,891.7 7,176.1 7,098.0 78.1 24,838.8 23,961.2 26,664.8 29,519.7 32,377.2 32,266.5 110.7 49,316.0 32,916.4 58,467.9 48,703.5 38,867.2 38,144.6 722.5 V. Trust Funds and Non-Profit Institutions 12,695.1 14,207.9 15,545.9 16,805.9 16,669.7 16,571.7 97.9 392,134.9 422,962.3 451,619.7 504,439.6 549,363.4 546,856.8 2,506.5 VI. Personal A. Bank Employees 99,187.6 106,511.2 108,583.4 110,742.8 114,638.4 112,160.5 2,477.9 B. Consumer Financing 285,064.5 308,958.4 338,244.6 389,551.8 425,026.9 424,998.3 28.6 i) House building 43,246.5 48,587.3 53,187.0 61,728.6 73,121.1 73,121.1 - ii) Transport 97,117.0 109,703.4 126,845.6 151,297.0 171,021.3 171,019.0 2.3 iii) Credit cards 24,705.9 25,566.5 28,331.6 29,963.2 34,195.6 34,195.6 - 710.4 594.0 1,567.7 1,513.8 3,728.0 3,717.1 10.9 119,284.7 124,507.2 128,312.8 145,049.2 142,960.9 142,945.5 15.4 7,882.8 7,492.7 4,791.7 4,144.9 9,698.1 9,698.1 - 5,767.3 8,229.1 4,162.1 6,213.3 2,855.8 2,438.7 417.2 4,744,050.8 5,078,192.0 5,403,230.2 5,965,938.9 6,306,461.6 6,133,925.5 172,536.1 iv) Consumer durable v) Personal loans C. Other Personal VII. Others TOTAL Source: Statistics & Data Warehouse Department, SBP 39
15. 3 .11 Classification of Scheduled Banks' Advances by Securities Pledged All Banks (End of Period: Million Rupees) 2015 SECURITIES 2016 2017 Dec Dec Jun Dec Jun 45,829.6 69,850.9 69,327.1 63,725.3 61,222.4 61,222.4 - 226,479.5 312,031.4 182,340.4 237,485.0 172,495.8 172,495.8 - 98,599.3 163,624.7 143,503.9 185,849.9 119,035.7 119,035.7 - 28,017.8 23,020.9 27,986.1 38,595.0 53,864.9 53,864.9 - (a) Government and other Trustee Securities 14,404.2 2,567.4 7,646.7 18,993.8 37,547.6 37,547.6 - (b) Shares and Debentures 13,309.8 20,183.2 19,994.3 19,451.4 16,046.9 16,046.9 - 9.8 - - - - - - (d) Others 294.1 270.2 345.1 149.9 270.4 270.4 - 2. To others: 70,581.5 140,603.8 115,517.8 147,254.9 65,170.8 65,170.8 - (a) Government and other Trustee Securities 50,807.9 121,789.8 93,862.3 121,813.5 42,192.5 42,192.5 - (b) Shares and Debentures 15,045.7 16,098.7 20,843.3 24,738.3 21,810.3 21,810.3 - - - - - - - - 4,727.9 2,715.4 812.2 703.0 1,168.1 1,168.1 - B. Unquoted on the Stock Exchange: 127,880.2 148,406.7 38,836.5 51,635.0 53,460.0 53,460.0 - 1. To Stock Brokers and Dealers: 39,120.6 101,351.3 4,554.9 9,497.4 12,699.0 12,699.0 - 37,777.4 92,203.0 2,377.2 7,450.5 9,923.0 9,923.0 - 1,146.8 1,602.3 2,015.4 2,034.0 1,710.8 1,710.8 - 4.8 7.2 7.2 7.2 9.5 9.5 - (d) Others 191.6 7,538.8 155.0 5.8 1,055.7 1,055.7 - 2. To others: 88,759.5 47,055.4 34,281.6 42,137.6 40,761.0 40,761.0 - 30,445.0 38,094.3 29,447.8 37,674.2 32,401.5 32,401.5 - 1,141.8 1,169.0 1,882.2 1,752.4 2,509.5 2,509.5 - - - - - - - - 57,172.8 7,792.1 2,951.7 2,711.0 5,850.0 5,850.0 - 1,379,768.5 1,404,067.4 1,518,628.3 1,732,833.8 1,851,942.7 1,851,727.6 215.0 A. Food Items 404,202.5 403,076.5 464,359.7 549,274.4 575,181.0 575,157.5 23.5 1. Wheat 123,032.5 104,798.4 123,359.1 125,998.1 146,439.9 146,439.9 - 2. Rice and paddy 87,637.9 71,353.8 75,400.0 65,862.4 88,554.8 88,552.5 2.4 3. Other Grains & Pulses: I. Gold, Bullion, Gold & Silver Ornaments and Precious Metals II. Securities, Shares and other Financial Instruments: A. Quoted on the Stock Exchange: 1. To Stock Brokers and Dealers: (c) Participation Term Certificates (c) Participation Term Certificates (d) Others (a) Government and other Trustee Securities (b) Shares and Debentures (c) Participation Term Certificates (a) Government and other Trustee Securities (b) Shares and Debentures (c) Participation Term Certificates (d) Others III. Merchandise All Banks Commercial Specialized Banks Banks 12,563.2 11,772.8 8,405.8 6,202.2 9,412.5 9,403.5 9.0 (a) Indigenous 6,297.7 5,893.4 5,043.4 4,318.6 7,993.7 7,984.7 9.0 (b) Imported 6,265.5 5,879.4 3,362.5 1,883.6 1,418.8 1,418.8 - 4. Edible Oils: 30,515.2 30,774.4 31,049.0 28,819.8 50,682.3 50,677.0 5.4 (a) Indigenous 20,096.8 21,295.9 22,340.2 15,377.1 34,623.1 34,617.7 5.4 (b) Imported 10,418.4 9,478.6 8,708.8 13,442.6 16,059.2 16,059.2 - 97,241.7 117,537.1 105,697.6 215,655.1 178,316.9 178,316.9 - 93,191.7 108,534.4 102,451.3 208,924.3 171,850.8 171,850.8 - 4,050.1 9,002.7 3,246.3 6,730.7 6,466.1 6,466.1 - 6. Kariana and Spices 3,229.5 2,098.8 2,035.4 1,332.1 1,939.4 1,939.4 - 7. Fish and Fish preparations 1,025.6 1,690.6 1,813.6 1,992.9 1,259.6 1,259.6 - 48,956.8 63,050.6 116,599.2 103,411.9 98,575.5 98,568.7 6.8 42,780.7 61,345.2 113,974.9 100,311.6 96,536.9 96,530.1 6.8 6,176.2 1,705.4 2,624.3 3,100.3 2,038.6 2,038.6 - B. Raw Materials: 452,512.1 422,351.1 388,040.5 437,638.9 428,706.6 428,599.2 107.4 1. Cotton Raw: 121,354.0 107,550.0 123,717.8 128,302.7 137,731.1 137,731.1 - 110,394.8 97,104.8 117,479.7 122,316.8 131,507.4 131,507.4 - 10,959.2 10,445.2 6,238.1 5,985.9 6,223.7 6,223.7 - 2. Synthetic Fibers: 15,930.0 21,053.1 16,151.6 25,963.0 13,767.4 13,727.3 40.0 (a) Indigenous 12,701.3 16,900.8 14,472.9 24,514.2 12,766.1 12,726.0 40.0 3,228.7 4,152.2 1,678.7 1,448.8 1,001.3 1,001.3 - 66,172.9 79,528.3 60,492.4 63,804.4 64,806.9 64,806.9 - (a) Indigenous 47,909.6 61,432.4 47,195.9 53,316.9 57,150.8 57,150.8 - (b) Imported 18,263.4 18,095.9 13,296.5 10,487.5 7,656.1 7,656.1 - 5. Sugar: (a) Indigenous (b) Imported 8. Other Food Items: (a) Indigenous (b) Imported (a) Indigenous (b) Imported (b) Imported 3. Fertilizers: 40
16. 3 .11 Classification of Scheduled Banks' Advances by Securities Pledged All Banks (End of Period: Million Rupees) 2015 SECURITIES 4. Petroleum Crude (a) Indigenous (b) Imported 5. Iron & Steel: (a) Indigenous (b) Imported 6. Wool & Goat Hair 7. Hides & Skins 8. Oil Seeds 9. Pesticides & Insecticides: (a) Indigenous (b) Imported 10. Other Raw Materials: (a) Indigenous (b) Imported C. Finished / Manufactured Goods: 1. Cotton Textiles: (a) Indigenous (b) Imported 2. Cotton Yarn: (a) Indigenous (b) Imported 3. Other Textiles: (a) Indigenous (b) Imported 4. Machinery: (a) Indigenous (b) Imported 5. Handloom Products 6. Carpets & Rugs 7. Readymade Garments 8. Cement and Cement Products: (a) Indigenous (b) Imported 9. Sports Goods 10. Surgical Instruments 11. Chemicals and Dyes 12. Other Finished Goods: (a) Indigenous (b) Imported IV. Fixed Assets Including Machinery V. Real Estate: (a) Land (b) Buildings: 1. Residential 2. Non-Residential VI. Fixed Deposits and Insurance Policies : (a) Bank Deposits (b) Insurance Policies VII. Others: (a) Other Secured Advances (b) Advances Secured by Guarantee(s) (c) Unsecured Advances TOTAL 2016 2017 Dec Dec Jun Dec Jun 83,359.5 58,913.7 43,741.8 63,112.7 48,946.5 32,353.9 20,246.8 9,967.1 85,743.7 All Banks Commercial Banks Specialized Banks 43,045.1 34,409.4 34,409.4 - 28,210.9 20,925.8 20,925.8 - 11,387.9 14,834.2 13,483.6 13,483.6 - 67,299.5 64,146.5 79,120.0 83,264.0 83,234.7 29.2 62,583.1 37,762.7 36,887.6 40,660.0 44,009.7 43,980.5 29.2 23,160.7 29,536.8 27,258.8 38,459.9 39,254.2 39,254.2 - 897.0 1,046.7 989.3 861.3 1,051.0 1,051.0 - 5,815.1 6,490.6 3,771.5 5,568.3 4,424.6 4,390.8 33.8 11,372.5 14,767.4 8,534.0 15,366.0 10,583.0 10,583.0 - 2,222.3 5,218.1 6,051.8 2,768.9 2,121.6 2,117.3 4.3 1,862.4 5,019.0 5,934.9 2,705.8 2,043.3 2,039.0 4.3 359.9 199.1 116.9 63.2 78.3 78.3 - 59,645.3 60,483.9 60,443.8 72,839.2 76,547.8 76,547.8 - 52,694.5 52,760.0 57,520.1 66,537.8 48,901.8 48,901.8 - 6,950.8 7,723.9 2,923.7 6,301.3 27,646.0 27,646.0 - 523,054.0 578,639.8 666,228.1 745,920.6 848,055.1 847,971.0 84.2 109,023.7 107,977.3 126,732.3 133,294.4 143,189.0 143,185.9 3.1 102,198.2 96,314.9 118,882.9 123,212.6 129,808.3 129,805.1 3.1 6,825.5 11,662.4 7,849.4 10,081.7 13,380.8 13,380.8 - 54,185.7 60,548.7 67,872.0 72,517.1 77,666.8 77,666.8 - 50,987.7 53,763.6 62,869.5 63,556.8 69,825.6 69,825.6 - 3,198.0 6,785.1 5,002.5 8,960.3 7,841.2 7,841.2 - 89,018.4 87,027.1 102,006.8 121,743.9 159,964.3 159,933.0 31.2 82,160.3 74,027.5 90,025.9 107,399.0 108,160.9 108,129.7 31.2 6,858.1 12,999.6 11,980.9 14,344.9 51,803.3 51,803.3 - 23,912.3 32,365.5 21,335.4 22,683.7 24,547.7 24,547.7 - 8,994.9 15,384.0 8,724.5 10,622.0 9,971.7 9,971.7 - 14,917.5 16,981.5 12,610.9 12,061.7 14,576.0 14,576.0 - 2,287.7 17.7 84.7 127.2 162.9 162.9 - 2,889.2 10,235.4 9,843.6 2,241.4 1,971.3 1,971.3 - 19,657.4 34,305.1 30,087.4 56,961.4 89,036.7 89,036.7 - 53,619.4 37,177.0 35,258.0 36,562.4 42,250.9 42,247.1 3.7 51,464.4 35,396.3 33,732.6 34,822.4 40,085.2 40,081.5 3.7 2,155.0 1,780.7 1,525.3 1,740.0 2,165.7 2,165.7 - 3,528.8 3,831.3 3,605.2 4,057.2 5,797.5 5,797.5 - 3,126.3 2,659.6 3,114.9 5,172.2 5,403.0 5,401.7 1.3 29,638.0 36,223.8 27,829.7 30,473.3 30,350.2 30,346.7 3.6 132,167.1 166,271.2 238,458.2 260,086.4 267,714.8 267,673.6 41.2 113,569.0 150,123.8 216,627.4 250,329.5 230,347.9 230,306.7 41.2 18,598.0 16,147.4 21,830.8 9,756.9 37,367.0 37,367.0 - 716,287.9 899,593.8 1,038,532.0 1,294,807.5 1,133,144.8 1,130,273.6 2,871.2 655,310.6 626,710.6 741,137.4 681,507.5 793,048.3 641,975.7 151,072.6 213,570.4 221,217.9 253,339.6 290,452.1 330,411.0 183,981.8 146,429.2 441,740.2 405,492.7 487,797.8 391,055.4 462,637.4 457,993.9 4,643.4 163,026.7 171,792.6 163,653.6 106,271.6 156,734.9 155,459.9 1,275.0 278,713.5 233,700.0 324,144.2 284,783.8 305,902.4 302,534.0 3,368.4 65,130.1 90,794.4 95,459.2 33,528.6 38,747.0 38,738.7 8.3 52,995.0 66,640.0 71,504.5 9,967.4 13,177.0 13,170.0 7.0 12,135.1 24,154.4 23,954.7 23,561.2 25,570.0 25,568.8 1.2 1,655,244.5 1,675,143.6 1,757,805.8 1,922,051.4 2,255,860.7 2,237,491.6 18,369.1 1,286,884.7 1,170,170.4 1,307,528.2 1,452,825.4 1,825,073.9 1,819,669.1 5,404.8 303,799.4 437,812.4 380,166.7 388,047.4 374,937.5 366,256.7 8,680.8 64,560.4 67,160.8 70,111.0 81,178.6 55,849.3 51,565.8 4,283.5 4,744,050.8 5,078,192.0 5,403,230.2 5,965,939.0 6,306,461.6 6,133,925.5 172,536.1 Source: Statistics & Data Warehouse Department, SBP 41
17. 3 .12 Classification of Scheduled Banks' Advances by Rates of Margin ( Million Rupees ) 2015 RATES OF MARGIN (%) Dec No. of A/Cs. 0 2016 Jun 2017 Dec Amount No. of A/Cs. Amount 1,425,304 1,227,353.8 1,562,072 1,420,012.4 No. of A/Cs. Jun Dec Amount No. of A/Cs. Amount No. of A/Cs. Amount 1,617,945 1,476,414.0 1,629,480 1,747,259.2 1,483,588 1,784,968.6 5 56,504 222,844.2 66,287 188,010.8 70,219 211,465.3 66,729 188,211.7 65,206 180,351.6 10 93,563 603,752.8 35,113 536,909.3 44,079 652,413.5 59,025 716,464.3 680,710 673,721.1 15 28,280 396,080.4 35,150 368,208.2 36,447 271,493.7 27,830 289,273.9 62,002 405,949.2 20 841,359 490,626.4 814,105 563,253.4 776,912 538,671.5 801,979 698,904.4 767,417 744,863.7 25 183,765 1,013,096.8 229,373 1,210,605.9 235,568 1,493,464.6 170,705 1,483,253.6 294,469 1,692,850.1 30 50,058 168,555.8 63,537 233,100.5 34,184 177,661.6 61,860 237,879.8 75,904 298,014.8 69 585.8 69 577.8 19,479 4,153.0 140 559.7 142 595.8 35 8,275 35,988.0 11,171 66,274.9 8,793 68,151.7 10,628 76,691.2 15,283 79,279.1 40 357,661 114,512.7 422,353 200,171.6 400,053 170,916.6 399,053 181,106.4 43,211 113,368.2 45 1,646 22,439.2 1,431 14,832.8 1,688 28,178.3 3,922 27,977.6 2,175 17,320.9 50 138,651 134,984.7 120,276 129,910.8 135,530 214,605.8 87,480 208,435.4 57,510 233,682.5 55 634 13,344.7 1182 23,041.1 2,620 15,773.6 1,953 12,388.5 2,288 13,040.4 60 1,795 34,969.4 1,300 27,906.4 1,431 14,859.5 1,222 17,241.4 1,850 17,007.2 65 1,242 20,441.9 711 17,764.5 1,060 21,193.9 917 19,640.8 505 18,141.8 70 2,161 26,589.9 811 20,307.2 776 10,880.1 611 9,180.2 588 5,526.8 75 3,958 144,286.4 689 8,319.0 718 6,425.6 365 7,112.3 436 5,269.3 80 1,283 34,699.2 814 9,147.2 676 7,589.0 384 5,719.7 447 4,939.0 85 817 15,808.9 631 7,541.6 356 3,438.7 1,180 17,648.2 356 2,990.0 90 958 10,650.6 786 9,080.2 507 6,022.2 606 3,881.5 671 2,248.0 95 6,155 11,511.9 963 13,515.7 694 8,782.2 1,274 17,109.4 558 12,319.2 235 927.4 163 9,700.8 42 676.0 - - 196 14.4 3,204,373 4,744,050.8 3,368,987 5,078,192.0 3,389,777 5,403,230.2 3,327,343 5,965,939.0 3,555,512 6,306,461.6 33.33 99.99 TOTAL Source: Statistics & Data Warehouse Department, SBP 42
18. 3 .13 Private Sector Business and Type of Financing-Overall (End of period : Million Rupees) PRIVATE SECTOR (BUSINESS) A. Agriculture, hunting and forestry 1-Trade finance 2-Working capital 3-Fixed investment 4-Other B. Fishing, fish farming, aquaculture and related service activities 1-Trade finance 2-Working capital 3-Fixed investment 4-Other C. Mining and Quarrying 1-Trade finance 2-Working capital 3-Fixed investment 4-Other D. Manufacturing 1-Trade finance 2-Working capital 3-Fixed investment 4-Other E. Ship breaking and waste / scrape (junk) etc. 1-Trade finance 2-Working capital 3-Fixed investment 4-Other F. Electricity, gas and water supply 1-Trade finance 2-Working capital 3-Fixed investment 4-Other G. Construction 1-Trade finance 2-Working capital 3-Fixed investment 4-Other H. Commerce and Trade 1-Trade finance 2-Working capital 3-Fixed investment 4-Other I. Services 1-Trade finance 2-Working capital 3-Fixed investment 4-Other J. Transport, storage and communications 1-Trade finance 2-Working capital 3-Fixed investment 4-Other K. Real estate, renting and business activities 1-Trade finance 2-Working capital 3-Fixed investment 4-Other L. Other private business n.e.c 1-Trade finance 2-Working capital 3-Fixed investment 4-Other FY16 FY17 Feb-17 Mar-17 Dec-17 Jan-18 Feb-18 Mar-18 P 285,096 2,426 202,787 79,645 237 297,493 1,670 214,792 80,994 38 286,461 2,067 207,547 76,794 53 290,722 2,222 211,046 77,240 214 309,701 2,007 217,915 87,609 2,170 307,228 1,665 218,132 87,363 67 306,722 727 216,401 89,557 37 303,838 649 215,723 87,426 40 823 874 841 750 636 851 783 736 88 359 375 26,534 5,956 6,370 14,132 76 1,915,286 427,487 848,471 589,853 49,474 25,890 18,487 4,920 2,482 305,159 440 109,027 187,348 8,343 97,550 1,324 29,612 65,672 942 265,501 37,474 180,868 39,570 7,589 77,335 1,992 25,590 46,895 2,858 181,826 1,364 38,229 137,888 4,345 114,125 11,518 68,965 31,438 2,205 42,198 1,716 22,114 7,429 10,940 48 460 366 40,267 6,316 5,895 27,942 115 2,299,628 501,474 1,014,232 722,574 61,348 25,971 16,989 6,070 2,912 365,261 5,705 141,356 216,984 1,215 138,572 184 41,295 90,007 7,086 308,247 40,299 211,137 43,401 13,410 87,942 1,145 38,176 47,646 974 211,004 2,168 34,099 166,002 8,735 132,453 16,499 70,135 42,398 3,422 54,497 3,137 22,653 9,808 18,899 47 480 315 31,942 6,365 4,656 20,887 34 2,122,512 473,903 918,094 682,883 47,632 28,746 18,925 6,817 2,925 79 348,420 3,090 123,756 214,996 6,578 109,182 573 28,910 76,900 2,800 281,286 36,912 191,600 38,485 14,290 78,058 734 27,212 47,197 2,915 177,126 724 26,346 144,657 5,399 123,192 14,827 68,027 37,444 2,893 50,545 2,258 19,125 8,456 20,705 52 392 306 38,288 8,632 6,258 23,389 9 2,174,973 484,880 950,650 687,718 51,724 26,721 17,666 6,137 2,918 350,089 2,852 133,608 208,199 5,430 119,963 553 35,368 81,465 2,578 285,577 36,032 198,555 39,796 11,192 77,468 921 30,293 45,177 1,077 181,551 1,311 28,008 146,684 5,547 121,703 15,213 66,271 37,798 2,420 51,741 2,386 23,006 7,440 18,909 48 322 267 43,389 2,928 10,113 30,052 297 2,439,289 519,685 1,059,537 789,353 70,714 33,613 21,889 8,211 2,158 1,355 383,979 8,809 157,136 213,828 4,206 140,794 470 45,508 92,464 2,352 352,900 44,932 240,185 49,217 18,566 94,038 776 43,182 46,861 3,219 228,153 1,604 37,030 179,266 10,254 145,731 17,903 78,624 45,318 3,886 42,522 1,832 16,352 13,432 10,906 105 474 272 43,998 2,975 7,911 32,875 237 2,456,569 525,971 1,070,211 789,495 70,891 31,742 22,025 7,658 2,059 414,463 6,780 174,361 228,607 4,715 141,758 243 44,147 95,797 1,570 343,800 49,175 225,113 51,852 17,660 88,637 581 37,119 48,258 2,679 226,850 1,502 35,023 178,690 11,636 150,006 18,512 83,019 45,777 2,698 39,639 1,613 14,293 12,140 11,593 73 439 271 44,366 3,279 10,226 30,600 261 2,505,960 540,482 1,083,387 804,786 77,306 30,173 21,145 7,042 1,985 423,674 3,674 183,983 230,528 5,489 146,812 724 46,801 99,264 23 341,482 50,348 225,355 50,677 15,102 90,689 682 40,373 47,147 2,488 224,010 369 31,691 180,315 11,636 148,739 17,524 79,141 49,494 2,580 43,551 1,903 16,920 13,346 11,382 73 423 240 46,467 2,758 10,142 33,432 135 2,543,691 540,253 1,113,283 808,342 81,814 29,810 19,802 8,038 1,971 431,359 7,223 181,736 240,036 2,364 152,130 234 54,354 95,841 1,700 346,739 44,489 233,185 53,601 15,465 93,397 600 40,216 50,161 2,420 230,481 718 31,536 186,396 11,831 156,759 18,337 78,891 56,399 3,132 44,553 1,564 21,032 11,828 10,129 Total (A+B+C+…+L=1+2+3+4) 3,337,323 3,962,210 3,638,311 3,719,547 4,214,745 4,245,540 4,306,962 4,379,959 1-Trade finance 510,274 595,636 560,425 572,721 622,883 631,148 640,928 636,699 2-Working capital 1,537,312 1,800,299 1,622,568 1,689,595 1,914,114 1,917,462 1,941,758 1,988,559 3-Fixed investment 1,202,728 1,451,034 1,351,939 1,358,131 1,549,825 1,573,184 1,597,971 1,625,672 4-Other 87,008 115,242 103,378 99,100 127,923 123,746 126,304 129,029 Notes: Source: Statistics & Data Warehouse Department, SBP 1. Loans Include Advances plus Bills Purchased & Discounted but exclude foreign bills. 2. Classification of Private Sector - Business based on International Standard Industrial Classification (ISIC), Rev. 3.1 of United Nation adopted from Dec 2003. 3. Islamic Financings, Advances (against Murabaha etc) inventories and other related items previously reported under Other Assets has been reclassified as credit w.e.f June 2014. 4. Details of the changes/revisions are available in "Revision note" on SBP web at www.sbp.org.pk/ecodata/Revision_Monetary_Stats.pdf 43
19. 3 .14 Type of Financing to SMEs (End of period : Million Rupees) PRIVATE SECTOR (BUSINESS) A. Mining and Quarrying FY-16 FY-17 Feb-17 Mar-17 Dec-17 Jan-18 Feb-18 Mar-18 P 662 1,016 886 963 1,504 1,545 1,470 1,419 1-Trade finance 2-Working capital 3-Fixed investment 4-Other B. Manufacturing 1-Trade finance 2-Working capital 3-Fixed investment 4-Other C. Ship breaking and waste / scrape (junk) etc. 1-Trade finance 2-Working capital 3-Fixed investment 4-Other D. Electricity, gas and water supply 1-Trade finance 2-Working capital 3-Fixed investment 4-Other E. Construction 1-Trade finance 2-Working capital 3-Fixed investment 4-Other F. Commerce and Trade 1-Trade finance 2-Working capital 3-Fixed investment 4-Other G. Services 1-Trade finance 2-Working capital 3-Fixed investment 4-Other H. Transport, storage and communications 1-Trade finance 2-Working capital 3-Fixed investment 4-Other I. Real estate, renting and business activities 1-Trade finance 2-Working capital 3-Fixed investment 4-Other J. Other private business n.e.c 1-Trade finance 2-Working capital 3-Fixed investment 4-Other 70 354 237 100,582 15,999 71,878 11,850 855 189 5 183 2,013 19 1,280 715 7,033 14 5,180 1,817 21 88,357 5,963 72,835 7,600 1,959 11,568 188 8,690 2,635 55 40,734 131 3,949 36,134 520 23,663 1,071 20,221 2,324 47 15,681 126 6,642 1,094 7,819 71 321 613 11 132,807 20,827 96,350 14,338 1,292 1,059 764 281 14 1,934 54 1,163 717 8,572 27 6,126 1,941 479 106,891 8,675 86,794 9,061 2,362 13,175 179 9,130 3,797 69 42,535 155 4,177 37,631 572 28,902 1,178 23,763 3,671 290 26,875 631 10,491 2,080 13,673 70 336 480 131,053 19,146 97,390 13,281 1,237 820 521 286 14 3,809 28 3,047 734 7,764 39 5,719 1,703 303 103,057 8,710 83,678 8,101 2,568 12,817 250 8,835 3,514 218 40,974 89 4,237 35,985 663 27,982 1,128 23,775 2,877 202 25,174 87 7,657 1,477 15,952 109 424 430 123,294 20,332 89,305 12,620 1,038 471 202 269 1,222 473 749 7,497 24 5,685 1,765 23 95,406 8,285 77,996 7,115 2,010 12,807 157 9,222 3,193 234 41,208 41 4,666 35,844 656 26,698 1,019 22,810 2,816 53 16,998 118 6,814 1,544 8,522 188 388 918 11 167,176 22,289 126,027 16,627 2,232 504 122 368 14 1,469 42 737 675 15 10,303 19 7,896 2,368 20 126,853 7,740 106,879 10,078 2,157 15,171 154 10,407 4,416 194 44,955 126 4,722 38,789 1,318 33,935 2,138 27,949 3,577 271 11,908 319 7,422 3,270 896 271 327 947 .. 160,636 22,660 118,553 17,965 1,458 481 100 368 14 1,329 22 607 684 15 9,365 5 6,988 2,350 22 118,767 7,657 96,129 10,963 4,019 13,804 161 9,351 4,037 254 46,476 136 4,791 39,076 2,473 30,906 1,992 25,202 3,580 132 18,358 226 5,454 3,611 9,067 128 378 964 .. 149,691 22,794 109,464 15,824 1,608 370 88 268 14 1,606 18 896 684 8 9,527 5 7,021 2,478 23 117,923 8,055 95,021 10,794 4,052 13,170 176 9,129 3,623 243 45,869 140 4,789 38,409 2,532 31,519 2,006 25,533 3,297 683 19,033 301 6,470 3,492 8,771 53 335 1,031 .. 147,402 22,743 107,172 15,969 1,517 337 60 264 14 1,473 15 772 671 15 9,305 5 6,780 2,504 16 116,462 7,257 96,450 11,525 1,231 14,344 152 9,279 4,796 117 44,587 128 4,468 39,358 633 38,432 2,034 32,669 3,498 231 12,722 327 7,617 4,588 190 Total (A+B+C+…+J=1+2+3+4) 1-Trade finance 2-Working capital 3-Fixed investment 4-Other 290,481 23,586 191,212 64,405 11,278 363,766 32,559 238,597 73,863 18,747 354,335 30,068 234,959 68,165 21,143 326,563 30,287 217,665 66,076 12,536 413,777 33,136 292,796 80,731 7,114 401,666 33,229 267,770 83,227 17,440 390,179 33,712 258,968 79,578 17,921 386,484 32,775 265,805 83,954 3,950 Notes: Source: Statistics & Data Warehouse Department, SBP 1. Loans Include Advances plus Bills Purchased & Discounted but exclude foreign bills. 2. Classification of Private Sector - Business based on International Standard Industrial Classification (ISIC), Rev. 3.1 of United Nation adopted from Dec 2003. 3. Islamic Financings, Advances (against Murabaha etc) inventories and other related items previously reported under Other Assets has been reclassified as credit w.e.f June 2014. 4. Details of the changes/revisions are available in "Revision note" on SBP web at www.sbp.org.pk/ecodata/Revision_Monetary_Stats.pdf 44
20. 3 .15 Province/Region and Disbursement & Utilization of Advances (Billion Rupees) Utilization in same Region Province/ Region Jul-Dec 2016 Period Jan-Jun 2017 Amount % of Regional Disbursement Amount Total Utilization Disbursed from other but % of Utilized in Regional Given Region Disbursement Amount Utilization as % of Disbursement (%) Punjab 3,495.28 3,405.94 97.44 89.34 2.56 180.43 3,586.38 41.54 102.61 Sindh 4,456.22 4,224.95 94.81 231.27 5.19 65.25 4,290.21 49.69 96.27 KPK 50.02 48.46 96.89 1.56 3.11 42.15 90.61 1.05 181.16 Balochistan 11.52 11.50 99.89 0.01 0.11 40.64 52.15 0.60 452.76 609.76 548.06 89.88 61.71 10.12 52.91 600.97 6.96 98.56 FATA 0.06 0.06 100.00 - - .. 0.06 .. 100.79 Gilgit-Baltistan 2.40 2.40 100.00 - - 0.01 2.41 0.03 100.48 AJK 8.45 8.07 95.52 0.38 4.48 2.85 10.93 0.13 129.29 Total 8,633.72 8,249.46 95.55 384.26 4.45 384.26 8,633.72 100.00 Punjab 4,086.88 3,979.20 97.37 107.68 2.63 177.68 4,156.88 43.25 101.71 Sindh 4,758.89 4,569.15 96.01 189.74 3.99 70.31 4,639.46 48.27 97.49 44.87 44.14 98.37 0.73 1.63 43.09 87.23 0.91 194.39 8.59 8.56 99.73 0.02 0.27 43.20 51.76 0.54 602.91 697.98 603.07 86.40 94.91 13.60 55.81 658.88 6.86 94.40 FATA 0.18 0.18 100.00 - - 0.01 0.19 .. 105.22 Gilgit Baltistan 3.11 3.11 99.91 .. 0.09 0.01 3.11 0.03 100.11 11.02 10.69 97.04 0.33 2.96 3.31 14.01 0.15 127.11 Total 9,611.52 9,218.11 95.91 393.41 4.09 393.41 9,611.52 100.00 Punjab 4,125.20 4,008.77 97.18 116.44 2.82 199.16 4,207.92 42.98 102.01 Sindh 4,919.76 4,648.32 94.48 271.44 5.52 85.68 4,734.00 48.36 96.22 KPK 53.25 53.12 99.75 0.13 0.25 41.21 94.32 0.96 177.13 Balochistan 10.19 10.16 99.74 0.03 0.26 61.04 71.20 0.73 698.81 665.87 612.29 91.95 53.58 8.05 54.13 666.42 6.81 100.08 FATA 0.15 0.15 100.00 - - .. 0.15 .. 103.15 Gilgit Baltistan 3.42 3.42 99.94 .. 0.06 0.01 3.44 0.04 100.34 11.59 11.45 98.83 0.14 1.17 0.52 11.98 0.12 103.35 9,789.43 9,347.68 95.49 441.75 4.51 441.75 9,789.43 100.00 Islamabad KPK Balochistan Islamabad AJK Jul-Dec 2017 Disbursements Utilized in other Regions Islamabad AJK Total Source: Statistics & Data Warehouse Department, SBP Numbers are rounded to the Nearest Billion, Totals may differ due to rounding off “Gross disbursements mean the amounts disbursed by banks during the period 1st Jan - 30th Jun & 1st Jul - 31st Dec either in Pak Rupee or in foreign currency against loans. It also includes loans repriced, renewed or rolled over during the period. In case of running finance, the disbursed amount means total amount availed by the borrower during the period.” “Place of Disbursements” refers to the place from where the funds are being issued by scheduled banks to the borrowers. “Place of Utilization” refers to the place where the funds are being utilized by borrower. 45
21. 3 .16 Province/Region and place of Disbursement & Utilization Place of disbursement Punjab Place of Utilization Punjab Sindh 3,979.20 64.99 97.37 1.59 4,008.77 84.32 97.18 2.04 KPK 8.13 0.23 4.59 0.11 4.56 0.11 Balochistan 0.17 .. 0.04 .. 0.56 0.01 26.69 0.76 34.88 0.85 26.50 0.64 .. .. 0.01 .. 0.00 0.00 Gilgit-Baltistan 0.01 .. .. .. 0.01 0.00 AJK 2.45 0.07 3.18 0.08 0.49 0.01 3,495.28 100.00 4,086.88 100.00 4,125.20 100.00 Punjab Total Punjab 140.05 3.14 104.72 2.20 156.01 3.17 4,224.95 94.81 4,569.15 96.01 4,648.32 94.48 KPK 25.53 0.57 21.17 0.44 27.32 0.56 Balochistan 40.02 0.90 43.15 0.91 60.47 1.23 Islamabad 25.53 0.57 20.68 0.43 27.61 0.56 FATA - - - - - - Gilgit-Baltistan .. .. - - .. .. Sindh AJK 0.14 .. 0.03 .. 0.02 .. 4,456.22 100.00 4,758.89 100.00 4,919.76 100.00 Punjab 0.70 1.40 0.46 1.04 0.09 0.18 Sindh 0.19 0.37 0.02 0.04 0.01 0.02 KPK 48.46 96.89 44.14 98.37 53.12 99.75 Sindh Total Balochistan Islamabad .. .. .. 0.55 0.02 0.04 - - .. .. .. .. .. - - - - AJK .. .. .. .. - - 50.02 100.00 44.87 100.00 53.25 100.00 Punjab .. 0.04 0.01 0.13 0.01 0.14 0.01 0.05 0.01 0.12 0.01 0.08 .. 0.02 .. .. - - 11.50 99.89 8.56 99.73 10.16 99.77 Islamabad - - .. .. - - FATA - - .. .. - - AJK - - .. .. - - 11.52 100.00 8.59 100.00 10.19 100.00 Punjab 39.53 6.48 72.40 10.37 43.00 6.46 Sindh 13.15 2.16 5.17 0.74 1.34 0.20 KPK 8.31 1.36 17.22 2.47 9.23 1.39 Balochistan 0.45 0.07 0.01 .. 0.00 0.00 548.06 89.88 603.07 86.40 612.29 91.95 FATA - - .. .. - - Gilgit-Baltistan - - .. .. .. .. Balochistan Balochistan Total Islamabad AJK Islamabad Total 0.26 0.04 0.11 0.02 .. .. 609.76 100.00 697.98 100.00 665.87 100.00 0.06 100.00 0.18 100.00 0.15 100.00 Punjab - - .. 0.05 - - KPK - - .. 0.01 - - FATA - - .. 0.02 - - Islamabad - - - - - - 2.40 100.00 3.11 99.91 3.42 100.00 FATA Total Gilgit-Baltistan AJK - - .. 0.01 - - 2.40 100.00 3.11 100.00 3.42 100.00 Punjab 0.16 1.84 0.09 0.81 0.03 0.29 Sindh 0.02 0.27 0.12 1.05 0.01 0.04 KPK 0.18 2.08 0.11 1.04 0.09 0.78 - - .. .. 0.01 - 0.02 0.29 0.01 0.05 .. 0.01 Gilgit-Baltistan Total AJK .. 0.25 .. KPK Gilgit-Baltistan 1.34 Gilgit-Baltistan Sindh Islamabad 0.67 FATA KPK Total Balochistan (%) ( Billion Rupees) Jul-Dec 2017 Amount (%) 97.44 1.48 FATA KPK (%) Jan-Jun 2017 Amount 3,405.94 51.89 Islamabad Sindh Jul-Dec 2016 Amount Balochistan Islamabad FATA AJK AJK Total Grand Total Numbers are rounded to the Nearest Billion, - - .. .. - - 8.07 95.52 10.69 97.04 11.45 98.83 8.45 100.00 11.02 100.00 11.59 100.00 8,633.72 9,611.52 9,789.42 Source: Statistics & Data Warehouse Department, SBP Totals may differ due to rounding off 46
22. 3 .17 Province/Region and Place of Utilization & Disbursement (Billion Rupees) Place of Utilization Punjab Place of Disbursement Punjab Sindh KPK Balochistan Islamabad Gilgit-Baltistan Amount 3,979.20 104.72 (%) 95.73 2.52 Amount 4,008.77 156.01 (%) 95.27 3.71 0.70 0.02 0.46 0.01 0.09 .. .. .. 0.01 .. 0.01 .. 39.53 1.10 72.40 1.74 43.00 1.02 .. .. - - 0.09 .. 0.03 .. 3,586.38 100.00 4,156.88 100.00 4,207.92 100.00 51.89 1.21 64.99 1.40 84.32 1.78 4,224.95 98.48 4569.15 98.48 4,648.32 98.19 KPK 0.19 .. 0.02 .. 0.01 .. Balochistan 0.01 .. 0.01 .. 0.01 .. 13.15 0.31 5.18 0.11 1.34 0.03 Punjab AJK Sindh Total 0.02 .. 0.12 .. 0.01 .. 4,290.21 100.00 4639.46 100.00 4,734.00 100.00 Punjab 8.13 8.97 4.59 5.26 4.56 4.84 Sindh 25.53 28.18 21.17 24.27 27.32 28.97 KPK 48.46 53.48 44.14 50.60 53.12 56.31 - - .. .. - - 8.31 9.17 17.22 19.74 9.23 9.79 Balochistan Islamabad Gilgit-Baltistan AJK KPK Total - - .. .. - - 0.18 0.19 0.11 0.13 0.09 0.10 100.00 90.61 100.00 87.23 100.00 94.32 Punjab 0.17 0.32 0.04 0.08 0.56 0.78 Sindh 40.02 76.75 43.15 83.36 60.47 84.94 KPK Balochistan Islamabad Balochistan Total - - .. .. .. .. 11.50 22.06 8.56 16.54 10.16 14.27 0.45 0.87 0.01 0.03 .. 0.01 .. .. - - 52.15 100.00 51.76 100.00 71.19 100.00 Punjab 26.69 4.44 34.88 5.29 26.50 3.98 Sindh 25.53 4.25 20.68 3.14 27.61 4.14 KPK 0.67 0.11 0.25 0.04 0.02 .. - - .. .. - - 548.06 91.20 603.07 91.53 612.29 91.88 Balochistan Islamabad Gilgit-Baltistan AJK Islamabad Total FATA (%) 94.97 3.90 - Islamabad Islamabad Amount 3,405.94 140.05 .. Sindh Balochistan - - - - - - 0.02 .. 0.01 .. .. .. 600.97 100.00 658.88 100.00 666.42 100.00 Punjab .. 0.79 0.01 3.06 .. 0.52 KPK - - .. 1.04 .. 1.50 Balochistan - - .. 0.21 - - Islamabad - - .. 0.26 - - 0.06 99.21 0.18 95.04 0.15 96.94 - - .. 0.26 - - .. 0.13 - - FATA Gilgit-Baltistan AJK FATA Total Gilgit Baltistan Punjab 0.06 100.00 0.19 100.00 0.15 100.00 0.01 0.45 .. 0.12 0.01 0.35 Sindh .. 0.01 .. .. - - KPK .. 0.02 .. .. - - Islamabad - - .. 0.08 .. 0.03 FATA Gilgit Baltistan Gilgit-Baltistan Total AJK - - - - - - 2.40 99.52 3.11 99.80 3.42 99.97 2.41 100.00 3.11 100.00 3.42 100.00 Punjab 2.45 22.39 3.18 22.69 0.49 4.11 Sindh 0.14 1.31 0.03 0.20 0.02 0.21 .. 0.01 .. 0.01 .. 0.01 .. .. - - 0.76 .. 0.03 KPK Balochistan Islamabad 0.26 2.40 0.11 .. .. .. - 8.07 73.89 10.69 76.35 11.45 95.65 10.93 100.00 14.01 100.00 11.98 100.00 Gilgit-Baltistan AJK AJK Total Grand Total Jul-Dec 2017 - Punjab Total KPK Jan-Jun 2017 0.16 AJK Sindh Jul-Dec 2016 8,633.72 9,611.52 9,789.40 Source: Statistics & Data Warehouse Department, SBP Numbers are rounded to the Nearest Billion, Totals may differ due to rounding off - : Value is zero; 0.00 : Amount in less than 5.0 million 47
23. 3 .18 Province/Region and Categories of Advances by Borrowers* (Outstanding Position) Provinces/Regions Borrower Dec-2016 Rural Urban Total Rural Jun-2017 Urban Total Rural (Billion Rupees) Dec-2017 Urban Total Overall Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.13 193.23 0.02 38.17 0.23 231.78 571.42 683.95 78.95 3,404.22 15.53 413.45 3.93 5,171.45 571.55 683.95 78.95 3,597.45 15.55 451.62 4.16 5,403.23 .. 0.44 184.53 0.04 43.14 0.85 229.01 .. 691.42 804.37 80.99 3,676.73 16.76 461.30 5.36 5,736.93 .. 691.42 804.37 81.43 3,861.26 16.81 504.44 6.21 5,965.94 0.09 205.02 0.02 47.50 0.06 252.70 .. 676.60 880.76 79.23 3,895.87 16.65 501.87 2.79 6,053.76 .. 676.69 880.76 79.23 4,100.89 16.67 549.36 2.86 6,306.46 Punjab Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 138.61 6.81 0.11 145.53 390.62 127.57 9.09 1,676.85 3.46 118.59 1.30 2,327.47 390.62 127.57 9.09 1,815.46 3.46 125.40 1.41 2,473.00 137.07 7.59 0.84 145.49 456.23 114.35 9.67 1,821.89 4.05 130.48 1.16 2,537.83 456.23 114.35 9.67 1,958.96 4.05 138.07 2.00 2,683.33 149.87 10.77 0.04 160.68 425.36 129.12 11.63 1,887.05 3.82 170.64 1.63 2,629.26 425.36 129.12 11.63 2,036.92 3.82 181.41 1.67 2,789.94 Sindh Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.13 45.70 0.02 25.68 .. 71.52 177.41 417.55 65.25 1,411.23 3.72 257.18 1.83 2,334.16 177.54 417.55 65.25 1,456.93 3.74 282.86 1.83 2,405.69 .. 40.30 0.04 29.57 .. 69.91 .. 210.50 516.85 65.95 1,535.85 2.38 290.27 3.27 2,625.07 .. 210.50 516.85 65.95 1,576.14 2.42 319.84 3.27 2,694.98 0.09 46.53 0.02 30.11 0.01 76.77 .. 191.66 573.44 62.75 1,652.93 3.48 282.44 0.77 2,767.47 .. 191.76 573.44 62.75 1,699.46 3.50 312.55 0.77 2,844.24 Khyber Pakhtunkhwa Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 3.87 1.73 0.01 5.61 0.40 0.06 33.44 0.05 11.30 0.35 45.59 0.40 0.06 37.31 0.05 13.03 0.35 51.20 0.43 3.47 1.80 0.01 5.70 0.40 0.91 35.56 11.91 0.40 49.17 0.40 1.34 39.03 13.70 0.41 54.88 4.20 2.04 0.01 6.25 0.40 0.06 36.40 0.05 13.43 0.18 50.51 0.40 0.06 40.60 0.05 15.47 0.18 56.76 Balochistan Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 2.84 1.98 4.82 3.17 3.00 1.50 .. 7.67 3.17 5.84 3.47 .. 12.49 1.67 1.95 3.62 3.85 2.48 1.61 .. 7.94 3.85 4.15 3.56 .. 11.56 2.33 2.45 4.77 19.27 2.52 0.01 2.22 .. 24.02 19.27 4.84 0.01 4.66 .. 28.79 Islamabad Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.63 .. 0.32 0.10 1.05 0.06 138.29 4.56 273.41 8.30 20.38 0.41 445.41 0.06 138.29 4.56 274.03 8.30 20.70 0.51 446.46 0.61 .. 0.40 1.02 20.67 172.52 4.45 273.92 10.33 22.04 0.48 504.41 20.67 172.52 4.45 274.53 10.33 22.45 0.48 505.42 0.64 .. 0.47 1.10 40.13 177.55 4.79 309.29 9.29 27.70 0.18 568.92 40.13 177.55 4.79 309.93 9.29 28.16 0.18 570.02 FATA Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.32 0.03 0.34 0.25 0.01 0.26 0.57 0.04 0.60 0.01 0.35 0.04 0.41 0.01 0.26 0.01 0.28 0.02 0.61 0.05 0.69 0.33 0.05 0.38 0.12 0.01 0.13 0.45 0.06 0.51 * End Position. 48
24. 3 .18 Province/Region and Categories of Advances by Borrowers* (Outstanding Position) Provinces/Regions Borrower Dec-2016 Rural Urban Total Rural Jun-2017 Urban Total Rural (Billion Rupees) Dec-2017 Urban Total Gilgit-Baltistan Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.43 0.44 0.86 0.15 1.22 1.49 2.86 0.15 1.64 1.92 3.72 0.45 0.48 0.94 0.25 1.28 1.59 3.13 0.25 1.74 2.08 4.06 0.50 0.54 1.04 0.25 1.43 1.65 3.33 0.25 1.93 2.19 4.37 AJK Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.84 1.19 0.01 2.04 0.16 4.81 3.01 0.05 8.03 0.16 5.65 4.20 0.05 10.07 0.61 1.31 0.01 1.92 0.17 5.50 .. 3.38 0.04 9.10 0.17 6.10 .. 4.69 0.05 11.02 0.63 1.07 0.01 1.71 0.17 6.13 .. 3.78 0.04 10.13 0.17 6.75 .. 4.85 0.05 11.83 Source: Statistics & Data Warehouse Department, SBP * End Position. "Urban area” means an area which falls within jurisdiction of Municipal Corporation, or Metropolitan Corporation, or Municipal Committee, or Town Committee, or Cantonment Board, or any other area which has developed urban characteristics, and is declared as urban area by the government under Local Government Act 1975. While the areas other than urban areas are classified as rural areas. Data on “Outstanding Advances” is based on disbursements by the bank branches located in the respective regions and place of actual utilization for these advances may be different from the place of disbursements. The regional position may not reflect the true picture since offices of large companies operating in different regions might have used banking facilities located in different regions. Data relating to actual utilization is under process and will be disseminated as and when collected from banks and compiled by SBP. "Outstanding Advances" mean the advances/loans recoverable at the end of the period (30th June or 31st December). Advances includes all type of advances except interbank placements and is the amount of money borrowed from banks for a period of time at a rate of interest and at terms of repayments as agreed between the borrower and the banks backed by a collateral. Foreign Constituents: This covers the transactions with the non residents working in our economy. This includes Officials (Embassies consulates, foreign missions), Business (Corporations working in Pakistan for short periods as construction companies) and Personals (Students, travelers). Government: This includes Federal Government, Provincial & Local Governments deposits and advances. Further, disbursements to Government (Federal, Provincial & Local) are made by bank branches located in various regions/Provinces, while in case of deposits, the bank branches located in the various regions/Provinces have mobilized the deposits from the Government (Federal, Provincial & Local). Similarly, disbursements to eight main borrowers (Foreign, Govt., NFPSEs, NBFCs, Private Sector, Trust Fund, Personal and Others) are made by bank branches located in various regions/Provinces, while in case of deposits, the bank branches located in the various regions/Provinces have mobilized the deposits from these eight categories. NFPSEs (Non-financial Public Sector Enterprises): These are the non-financial resident corporations which are controlled by government, which may be exercised through ownership of more than half the voting shares, legislation, decree, or regulations that establish specific corporate policy or allow the government to appoint the directors. NBFCs & Fin Aux.: NBFCs (Nonbank Financial Companies) & Fin Aux.(Financial Auxiliaries) are categorized into groups of development finance institutions, leasing companies, investment banks, modarba companies, housing finance companies, mutual funds, venture capital companies , discount houses, stock exchanges , exchange companies and insurance companies etc. Private Sector: This is that part of the economy which is run for private business profit and is not controlled by the state. This includes the majors sectors like Agriculture, Manufacturing etc. Trust Fund: This includes the Private Trusts and Non-profit Institution, Non-government Organization (NGOs)/ Community Based and Organizations (CBOs). Personal: This includes Bank Employees and Consumer Financing which are classified under advances, while in case of deposits, Salaried Persons, Self employed and Other Persons (House-wives, students etc) are included. Others: This includes all those which are not classified elsewhere. 49
25. 3 .19 Province/Region and Categories of Loans for Agriculture (Disbursements and Outstanding) (Amount in Million Rupees) Farm Sector Period/Provinces Subsistence Holding Economic Holding Above Economic Holding No. of Borrowers Disbursed Outstanding No. of Borrowers Disbursed Outstanding No. of Borrowers Disbursed Outstanding Punjab 646,922 54,229 128,467 36,153 21,331 38,343 7,597 48,623 19,639 Sindh 60,653 7,880 18,768 8,439 4,964 9,463 1,159 3,169 3,068 Khyber Pakhtunkhwa FY17 Jul-Dec 13,156 1,700 4,389 1,849 604 1,263 404 450 604 Balochistan 397 123 451 18 9 117 14 9 139 Azad Jammu Kashmir 360 74 201 - - 1 - - 1 Gilgit Baltistan 193 31 136 55 10 22 - - .. 721,681 64,038 152,411 46,514 26,918 49,210 9,174 52,250 23,451 Punjab 941,640 86,318 129,019 60,533 35,831 38,311 10,793 75,729 18,711 Sindh 104,736 12,905 18,852 13,934 9,113 9,206 1,829 6,489 2,764 22,632 2,962 4,244 3,226 1,122 1,279 600 600 522 Balochistan 788 203 423 32 18 114 25 37 136 Azad Jammu Kashmir 717 112 196 - - 1 9 397 38 Gilgit Baltistan 783 64 158 74 12 21 3 .. .. 1,071,296 102,565 152,893 77,799 46,096 48,933 13,259 83,253 22,172 1,440,648 135,880 137,835 92,985 53,410 40,027 14,584 119,258 20,253 167,207 17,893 19,409 18,859 12,849 9,574 2,538 8,775 2,823 30,008 4,057 4,311 4,459 1,584 1,366 820 923 571 1,451 336 469 68 38 110 41 62 141 951 146 202 - - 1 12 499 39 1,181 102 162 93 17 22 3 .. .. 1,641,446 158,413 162,388 116,464 67,897 51,100 17,998 129,518 23,827 Punjab 238,272 25,819 138,290 18,225 10,166 40,599 4,319 16,476 26,125 Sindh 23,660 3,029 18,855 3,624 2,274 9,917 635 1,487 3,270 All Pakistan Jul-Mar Khyber Pakhtunkhwa All Pakistan Jul-Jun Punjab Sindh Khyber Pakhtunkhwa Balochistan Azad Jammu Kashmir Gilgit Baltistan All Pakistan FY18 Jul-Sep Khyber Pakhtunkhwa 6,836 913 4,252 952 345 1,437 179 185 606 Balochistan 208 63 474 18 7 110 7 12 143 Azad Jammu Kashmir 148 51 209 - - 1 3 129 34 Gilgit Baltistan 46 14 155 6 1 20 - - .. 269,170 29,888 162,234 22,825 12,793 52,084 5,143 18,289 30,180 Punjab 756,506 74,057 145,510 40,393 25,329 41,333 7,905 74,885 28,548 Sindh 77,117 8,220 19,156 8,257 5,890 9,992 1,370 4,035 3,567 Khyber Pakhtunkhwa 14,884 3,330 4,745 1,832 641 1,493 336 375 666 Balochistan 574 191 486 44 23 112 38 53 160 Azad Jammu Kashmir 267 77 202 - - .. 6 268 25 Gilgit Baltistan 113 35 118 22 6 19 6 13 38 849,461 85,910 170,217 50,548 31,888 52,948 9,661 79,630 33,004 All Pakistan Jul-Dec All Pakistan Source: Agricultural Credit & Microfinance Department 50
26. 3 .19 Province/Region and Categories of Loans for Agriculture (Disbursements and Outstanding) (Amount in Million Rupees) Over all Non Farm Sector Small Farm Period/Provinces Large Farm Farm & Nom Farm No. of Borrowers Disbursed Outstanding No. of Borrowers Disbursed Outstanding No. of Borrowers Punjab 539,370 47,081 85,263 8,884 97,633 42,318 1,238,926 268,896 314,030 Sindh 86,544 6,690 11,652 375 4,073 2,220 157,170 26,776 45,170 Khyber Pakhtunkhwa 13,055 1,758 2,934 85 620 151 28,549 5,133 9,341 283 69 74 - - 1 712 211 781 8,934 432 828 54 15 79 9,348 522 1,110 948 152 634 4 1 9 1,200 194 802 649,134 56,182 101,384 9,402 102,343 44,778 1,435,905 301,731 371,234 Punjab 817,547 71,227 87,911 15,516 147,730 47,238 1,846,029 416,835 321,190 Sindh 158,689 10,788 12,751 656 6,589 2,512 279,844 45,884 46,086 19,953 2,517 3,050 210 1,244 156 46,621 8,445 9,251 492 81 68 - - 1 1,337 339 742 14,424 689 638 226 59 88 15,376 1,257 961 1,553 248 680 6 2 9 2,419 325 869 1,012,658 85,549 105,099 16,614 155,624 50,004 2,191,626 473,086 379,100 1,127,318 100,115 95,908 23,238 210,887 49,074 2,698,773 619,551 343,098 209,349 15,292 14,752 824 16,057 3,580 398,777 70,866 50,137 25,753 3,117 3,158 303 1,682 235 61,343 11,363 9,640 Disbursed Outstanding FY 17 Jul-Dec Balochistan Azad Jammu Kashmir Gilgit Baltistan All Pakistan Jul-Mar Khyber Pakhtunkhwa Balochistan Azad Jammu Kashmir Gilgit Baltistan All Pakistan Jul-Jun Punjab Sindh Khyber Pakhtunkhwa Balochistan 580 93 71 - - 0 2,140 529 790 21,455 1,013 911 279 72 83 22,697 1,730 1,236 2,126 328 708 12 3 8 3,415 450 900 1,386,581 119,959 115,508 24,656 228,701 52,980 3,187,145 704,488 405,803 Punjab 312,597 21,944 91,615 5,272 58,818 54,069 578,685 133,223 350,698 Sindh 37,009 4,217 13,573 363 8,408 5,260 65,291 19,414 50,875 6,834 671 2,939 153 598 521 14,954 2,711 9,755 94 6 66 - - 1 327 88 793 5,986 273 641 17 4 110 6,154 456 995 439 51 363 143 29 365 634 96 903 362,959 27,161 109,197 5,948 67,856 60,325 666,045 155,987 414,018 Punjab 756,925 56,253 103,976 12,599 149,487 55,935 1,574,328 380,011 375,301 Sindh 139,698 9,872 15,727 697 14,929 5,305 227,139 42,947 53,747 14,200 1,418 3,076 375 1,617 549 31,627 7,381 10,529 720 70 93 1 4 1 1,377 342 852 13,068 620 989 35 8 102 13,376 972 1,318 Azad Jammu Kashmir Gilgit Baltistan All Pakistan FY 18 Jul-Sep Khyber Pakhtunkhwa Balochistan Azad Jammu Kashmir Gilgit Baltistan All Pakistan Jul-Dec Khyber Pakhtunkhwa Balochistan Azad Jammu Kashmir Gilgit Baltistan All Pakistan 1,096 139 385 416 78 381 1,653 271 941 925,707 68,373 124,246 14,123 166,123 62,272 1,849,500 431,924 442,688 Source: Agricultural Credit & Microfinance Department 51
27. 3 .20 Classification of Scheduled Banks' Bills Purchased and Discounted All Banks (End of Period: Million Rupees) 2017 2016 ECONOMIC GROUPS Jun No. of Bills A. Foreign Constituents: (a) Business 331 Dec Amount No. of Bills Jun Dec Amount No. of Bills Amount No. of Bills Amount 10.4 - - - - - - - - - - - - - - 331 10.4 - - - - - - 25,214 190,079.9 20,838 176,612.8 23,087 208,966.9 21,122 225,650.5 I. Government: 11 1,546.3 20 1,467.5 27 7,506.2 39 729.9 II. Public Sector Enterprises: 59 7,195.3 101 3,544.5 26 2,934.8 37 2,301.4 (a) Agriculture, Forestry, Hunting & Fishing - - - - - - - - (b) Mining and Quarrying - - - - - - - - (c) Manufacturing - - - - - - - - (b) Other Foreign Constituents B. Domestic Constituents: (d) Construction - - - - - - - - (e) Electricity Gas, Water & Sanitary Services 42 6,743.1 - - 1 350.0 - - (f) Commerce: 17 452.2 52 51.7 25 2,584.8 36 2,284.4 1. Export Bills : - - 33 44.0 2 2,529.8 10 2,254.1 i. Cotton Raw - - - - - - - - ii. Rice - - - - - - 6 2,047.5 iii. Cotton Textiles (Local) - - - - - - 1 32.3 iv. Cement & Cement products - - - - - - - - v. Petroleum & Petroleum products - - 1 14.4 2 2,529.8 - - vi. Machinery & Transport Equipments - - - - - - - - vii. Other Export Bills - - 32 29.6 - - 3 174.3 16 245.2 19 7.7 23 55.0 17 30.2 3. Inland Bills (to include Local Bills) 1 207.0 - - - - 9 0.1 4. Non-Bank Financial Companies - - - - - - - - (g) Transport, Storage & Communication - - - - - - - - (h) Services - - 1 0.4 - - - - (i) Other Public Sector Enterprises - - 48 3,492.4 - - 1 17.0 2. Imports Bills Payable in Pakistan III. Private Sector (Business): 25,144 181,338.3 20,714 170,355.8 23,022 198,484.6 21,046 222,619.2 1. Agriculture, Forestry ,Hunting & Fishing 181 1,296.6 57 762.9 47 202.5 306 8,749.8 (a) . Primary Products : 145 367.4 57 762.9 47 202.5 304 8,748.0 i. Cotton 31 1.5 9 47.8 - - 263 8,439.5 ii. Rice 37 291.7 25 634.6 17 103.4 16 253.9 iii. Sugarcane - - - - - - - - iv. Tobacco - - - - - - - - 77 74.2 23 80.5 30 99.1 25 54.5 36 929.2 - - - - 2 1.8 v. Other Primary Products (b). Other Agriculture, Forestry, Hunting and Fishing 52
28. 3 .20 Classification of Scheduled Banks' Bills Purchased and Discounted All Banks (End of Period: Million Rupees) 2016 ECONOMIC GROUPS 2017 Jun Dec Jun Dec No. of Bills Amount No. of Bills Amount No. of Bills Amount No. of Bills Amount 62 442.1 34 322.5 17 473.3 7 601.0 18,683 140,774.5 15,185 123,732.1 18,987 147,626.2 16,252 141,338.4 430 788.1 1553 2,903.8 465 7,073.8 593 2,346.4 29 8,343.0 7 2,298.7 5 1,214.7 8 4,279.6 2,375 14,825.5 2,311 25,956.1 1,840 16,545.1 3,072 44,257.9 827 4,969.5 802 9,142.5 509 4,065.9 - - i. Wool & Goat Hair - - - - 50 191.2 - - ii. Hides & Skins - - - - - - - - iii. Cotton Textiles (Local) 485 3,204.7 592 7,491.5 368 3,503.0 717 11,593.0 iv. Cotton Yarn (Local) 308 1,640.0 194 1,557.2 81 352.7 158 2,138.3 34 124.7 3 4.8 8 11.7 7 23.9 - - 13 89.0 2 7.3 2 5.4 283 1,460.6 524 4,126.5 268 1,560.1 771 12,421.1 i. Brassware & Handicrafts - - 4 6.5 - - - - ii. Carpets & Rugs 2 29.1 2 27.0 - - - - 27 87.3 86 684.3 11 95.3 107 990.7 17 29.9 44 314.9 22 101.9 84 503.3 79 534.4 195 2,095.7 68 510.0 248 1,755.8 - - - - - - 9 37.5 158 779.9 193 998.2 167 853.0 323 9,133.9 759 6,479.7 833 10,874.7 910 8,335.4 962 7,931.7 434 1,653.0 151 1,794.3 153 2,583.6 449 9,697.0 2. Mining and Quarrying 3. Manufacturing 4. Construction 5. Electricity, Gas, Water & Sanitary Services 6. Commerce: (a). Export Bills-Traditional Export v. Sports Goods vi. Surgical Instruments (b). Export Bills-Non-Traditional Exports iii. Footwear & Leather goods iv. Handloom products, Towels & Hosiery v. Readymade Garments vi. Electrical goods (Cable & Wire RA) vii. Other Export Bills (c). Import Bills Payable in Pakistan (d). Inland Bills (to include Local Bills) (e). Non-Bank Financial Companies (f). Other Foreign Bills (clean outward) 7. Transport, Storage & Communication 8. Services 9. Other Private (Business) - - 1 18.0 - - - - 72 262.6 - - - - 6 447.5 75 3,902.6 378 4,859.9 79 8,311.4 75 8,980.6 18 2,722.6 432 5,771.3 1,228 9,830.4 323 5,846.7 3,291 8,243.3 757 3,748.3 354 7,207.4 410 6,218.7 IV. Trust Funds and Non-Profit Institutions - - - - - - - - V. - - 3 1,245.0 12 41.3 - - 25,545 190,090.3 20,838 176,612.8 23,087 208,966.9 21,122 225,650.5 Others TOTAL Source: Statistics & Data Warehouse Department, SBP 53
29. 3 .21 Classification of Scheduled Banks' Investments in Securities and Shares (End of Period: Million Rupees) 2015 SECURITIES / SHARES 2016 2017 Dec Jun Book Value Book Value Book Value Book Value Book Value Face Value Market Value 136,953.7 190,726.2 - - - - - 3,240,949.7 3,784,320.3 3,144,843.2 3,374,796.2 2,965,941.9 2,877,196.4 2,974,620.1 (i) Prize Bonds - - - - - - - (ii) National Savings Schemes - - - - - - - (ii) Compensation Bonds - - - - - - - (vi) Federal Investment Bonds - - - - - - - (v) Pakistan Investment Bonds 3,240,949.7 3,784,320.3 3,144,843.2 3,374,796.2 2,965,941.9 2,877,196.4 2,974,620.1 - - - - 2,537,577.9 2,666,090.3 3,145,702.9 3,783,600.4 4,588,491.9 4,628,442.6 4,599,546.6 99,727.8 185,504.3 121,077.1 236,707.6 257,402.4 256,641.7 258,158.1 736,949.0 783,637.1 857,169.5 832,668.8 793,203.5 683,456.8 828,503.8 290,417.7 308,983.1 303,996.6 316,538.2 323,394.2 216,599.5 357,526.3 19,187.8 19,387.3 21,655.6 19,365.3 17,504.8 11,275.8 17,007.2 A. FEDERAL GOVERNMENT SECURITIES B. FEDERAL GOVERNMENT BONDS (vii) Un-classified C. TREASURY BILLS D. FOREIGN SECURITIES AND SHARES E. OTHERS: 1. Shares : (i) Financial Institutions (ii) Public Sector Enterprises (iii) Private Sector 2. Debentures : (i) Financial Institutions (ii) Public Sector Enterprises (iii) Private Sector 3. National Investment Trust (Unit) 4. Participation Term Certificates 5. Term Finance Certificate (TFC's) 6. Sukuk 7. Certificate of Investment (COI's) 8. Modaraba Certificate 9. Mutual Funds 10. Others TOTAL Dec Jun Dec 15,567.1 14,678.3 10,821.3 13,668.3 19,317.7 4,785.0 26,146.0 255,662.8 274,917.5 271,519.7 283,504.6 286,571.7 200,538.7 314,373.1 217.0 213.4 207.7 789.8 368.0 49.1 367.2 0.8 0.8 0.8 0.8 0.8 0.8 - 163.7 163.7 163.7 163.7 294.4 23.6 294.4 52.5 48.9 43.2 625.3 72.8 24.7 72.8 8,401.7 2,140.0 3,399.6 2,819.7 2,732.4 1,852.6 2,622.2 241.5 241.5 1,557.2 288.9 2,140.1 1,677.2 1,677.2 91,082.2 86,362.0 77,417.2 101,854.7 75,241.8 75,488.8 74,203.7 314,949.5 352,958.2 446,253.3 349,520.4 360,968.4 360,480.2 361,706.7 5,888.1 7,738.1 3,788.1 3,838.1 3,520.0 3,520.0 3,520.0 16,276.3 12,248.4 19,572.2 17,575.8 11,378.0 11,199.2 13,420.3 250.9 297.0 297.0 106.0 1.0 1.0 1.0 9,224.2 12,455.5 680.5 39,337.2 13,459.6 12,589.2 13,459.2 6,752,158.1 7,610,278.2 7,268,792.7 8,227,773.0 8,605,039.7 8,445,737.5 8,660,828.6 Source: Statistics & Data Warehouse Department, SBP * Note:-As per BPRD circular letter No. 5 of 2016, Federal Government Securities include the amount of Bai Muajjal of Government of Pakistan Ijara Sukuk. Totals may differ due to rounding off. 54
30. 3 .22 Scheduled Banks' Deposits by Rates of Interest (Million Rupees) RATE OF RETURN 2014 2015 2016 2017 Dec Jun Dec Jun Dec Jun Dec 0.00 375,203.1 451,471.5 497,535.0 625,953.7 593,783.2 561,814.6 683,009.4 0.25* 212,820.5 190,184.7 186,360.3 185,445.9 147,727.9 218,307.9 228,514.7 0.50* 35,354.4 57,584.0 88,555.7 26,279.3 47,594.2 65,390.7 60,694.2 0.75* 4,609.5 88,951.4 33,152.4 18,426.5 29,889.6 8,918.3 10,624.2 1.00 58,228.9 42,448.1 50,477.2 25,437.0 79,419.0 41,219.6 21,453.6 1.25 7,999.3 17,089.0 74,003.8 17,332.9 35,090.8 7,326.4 7,258.0 1.50 57,075.0 44,424.7 17,930.3 41,096.3 52,427.9 23,460.2 54,412.0 1.75 1,355.9 828.0 3,233.6 18,675.1 31,165.7 25,013.0 15,480.4 2.00 17,628.3 11,199.5 14,926.2 35,359.0 20,163.0 10,476.5 50,189.3 6,078.9 2.25 409.1 56.6 75.0 6,113.0 742.6 4,945.8 2.50 1,688.3 1,796.8 1,338.4 404.3 223.2 4,219.5 9,707.4 2.75 356.2 32.8 247.1 2,755.9 1,291.1 38,979.7 11,294.8 3.00 18,668.5 1,073.3 1,691.7 12,911.4 476.8 10,511.6 14,173.9 3.25 795.3 213.0 2,147.3 184.9 - 4,324.6 - 3.50 2,985.6 67.7 1,878.7 401.2 - 11,555.0 - 3.75 399.6 - - 19.1 - 5,624.8 1,086.5 4.00 488.5 - - 13,032.6 - 17.6 0.1 4.25 1,184.5 - - - - 266.0 822.9 4.50 - - - - - 911.7 35.3 4.75 - - - - - 511.8 93.9 5.00 301.4 - - - - - 5.0 5.25 2,533.7 - - - - - 750.0 5.50 - - - - - - 6,000.0 5.75 - - - - - - - 6.00 - - - - - - - 6.25 - - - - - - - 6.50 0.7 - - - - - - 6.75 - - - - - - - 7.00 - - - - - - - 7.25 - - - - - - - 7.50 - - - - - - - 7.75 - - - - - - - 8.00 - - - - - - - 8.25 - - - - - - - 8.50 - - - - - - - 8.75 - - - - - - - 9.00 - - - - - - - 9.25 - - - - - - - 9.50 - - - - - - - 9.75 - - - - - - - 10.00 - - - - - - - 10.25 - - - - - - - 10.50 - - - - - - - 10.75 - - - - - - - 11.00 - - - - - - - Over 11.00 - - - - - - - 800,086.3 907,420.9 973,552.7 1,029,828.1 1,039,995.2 1,043,795.3 1,181,684.5 Total Source: Statistics & Data Warehouse Department, SBP 55
31. 3 .23 Scheduled Banks' Deposits by Rates of Return (PLS) RATE OF RETURN 2014 2015 (Million Rupees) 2017 2016 Dec Jun. Dec Jun Dec Jun Dec 0.00 2,317,288.4 2,708,079.8 2,603,157.6 2,956,607.9 3,125,513.5 3,569,106.4 3,478,375.0 0.25* 21,965.5 22,723.0 32,486.8 41,047.8 52,143.0 52,682.1 61,006.5 0.50* 2,372.6 3,544.6 13,638.8 15,881.9 18,404.4 17,484.6 2,483.7 0.75* 58.7 125.8 - 723.6 616.6 17,350.5 1.00 - 35.2 - 13,779.4 264.1 50.2 512.3 1.25 - 1,616.0 1,123.9 1,774.5 2,391.1 3,185.1 3,029.6 1.50 905.2 421.5 129.7 129.7 1,112.4 134.0 2,563.7 - - 11,069.9 12,871.7 - 2,861.4 - 16,660.6 3,531.1 8,629.7 14,603.8 13,456.1 1.75 2.00 11.8 2.25 - - 2,097.2 5,903.2 11,212.3 9,643.3 9,774.3 2.50 - 10,559.3 9,102.9 9,955.7 9,408.6 39,109.1 32,869.9 2.75 - - 90,357.7 113,002.3 178,473.2 160,115.9 33,049.3 3.00 3,787.7 9,840.4 29,124.2 33,903.3 73,827.3 31,759.1 128,518.9 3.25 11,338.4 16,146.8 19,026.5 24,095.9 31,939.0 37,197.2 34,954.8 3.50 63,178.9 77,766.0 94,985.8 115,955.5 208,393.1 313,765.7 129,808.8 3.75 1,149.3 12,501.6 33,168.8 2,840,034.8 2,648,667.6 3,053,610.2 3,459,802.6 4.00 9,264.9 38,304.1 1,986,849.2 428,541.8 973,463.5 985,319.8 896,710.7 4.25 14,677.3 21,073.5 251,733.6 412,213.4 603,233.0 510,047.3 295,832.9 4.50 192,335.4 1,615,828.5 352,762.9 221,421.0 332,180.5 334,542.3 319,414.4 4.75 4,714.9 253,040.0 248,888.4 118,679.7 201,782.8 155,847.9 201,985.5 5.00 221,497.6 1,071,723.7 940,888.8 233,744.6 210,709.2 154,169.4 373,087.1 5.25 8,666.1 78,073.9 84,478.3 230,190.0 233,877.5 307,048.3 162,300.3 5.50 36,937.1 156,382.6 247,139.8 141,649.4 145,864.9 168,884.9 181,557.0 5.75 6,981.2 53,024.5 106,372.8 113,889.7 104,254.5 124,797.7 142,934.8 6.00 92,457.3 343,068.2 215,506.1 161,712.6 142,461.7 133,401.8 292,541.7 6.25 123,326.2 209,251.4 47,632.5 86,007.3 89,839.1 92,645.2 105,254.0 6.50 2,582,681.9 238,289.6 235,279.0 179,276.7 73,497.5 35,935.2 33,694.8 6.75 196,453.3 119,445.2 55,223.9 60,398.8 57,549.5 39,991.6 104,341.1 7.00 590,439.3 631,729.4 340,576.9 342,400.0 84,657.1 114,990.2 114,580.5 7.25 86,576.1 71,608.9 87,020.0 62,189.3 77,510.5 37,978.1 17,009.0 7.50 101,335.3 34,859.2 42,132.0 27,936.4 49,243.9 11,743.1 3,247.0 7.75 32,441.1 13,635.1 40,665.6 41,731.8 4,883.3 2,067.3 7,628.9 8.00 85,863.3 69,922.7 86,064.9 18,769.5 10,113.5 6,347.4 11,869.2 8.25 53,979.1 37,445.5 11,687.6 2,763.7 1,886.7 1,495.1 3,786.3 8.50 160,346.1 68,950.1 21,237.6 12,981.0 3,621.2 3,047.5 4,481.0 8.75 104,340.2 71,639.9 37,227.0 4,051.7 2,140.7 4,674.6 51,691.8 9.00 102,105.1 48,375.0 20,320.1 10,938.4 8,838.0 10,257.9 2,823.0 9.25 65,471.1 19,417.4 6,922.1 3,627.4 2,024.6 1,607.5 728.0 9.50 102,900.2 23,105.0 3,510.1 2,186.2 1,845.2 1,917.1 2,911.2 9.75 46,423.2 5,304.1 940.7 5.0 - - - 10.00 53,499.0 35,294.3 1,739.8 5,839.6 11.7 256.0 283.6 10.25 15,908.8 5,009.6 558.6 330.7 7.7 71.2 3.8 10.50 13,468.8 5,985.1 10,995.8 325.6 20.0 189.3 13,773.2 110.3 10.75 6,733.2 233.0 58.1 6,643.9 17.6 907.6 11.00 18,972.0 2,411.5 1,126.3 1,437.8 744.2 550.2 413.4 Over-11.00 50,415.1 39,797.0 5,728.1 9,273.0 1,009.0 4,510.4 9,796.7 7,603,266.6 8,245,588.1 8,436,327.0 9,127,829.0 9,801,263.2 10,548,305.3 10,765,208.5 Total *00.25 stands for 00.05 to 00.25 *00.50 stands for 00.30 to 00.50 *00.75 stands for 00.55 to 00.75 Source: Statistics & Data Warehouse Department, SBP 56
32. 3 .24 Scheduled Banks' Advances by Rates of Interest (End of period : Million Rupees) 2015 RATE OF RETURN Dec 25,157.9 318.8 4,614.3 7,395.0 181.0 1,426.6 0.1 4,275.9 1,727.7 931.8 239.7 2,170.1 92.9 135.4 4,196.6 226.0 10,681.7 3,330.6 18,949.5 46.7 839.9 262.1 13,551.6 147.8 6,529.3 226.8 13,175.0 2,742.2 1,717.3 151.4 11,283.3 574.7 101.6 272.5 5,517.1 2,999.6 654.7 93.7 36,284.4 468.6 1,113.2 149.7 1,921.4 354.4 961.8 230.6 4,844.8 66.1 162.2 87.4 9,081.9 183.4 3,597.1 2.0 33,260.3 Dec 15,217.8 3,845.2 7,811.7 15,228.9 365.8 3,069.6 191.8 11,161.0 1,288.5 3,294.1 5,879.4 92.9 108.9 15,013.6 2,527.8 12,349.1 2,015.2 37,510.0 357.0 114.2 155.6 28,389.7 6,642.9 384.5 2,191.4 45,409.3 1,188.0 1,880.9 570.3 10,291.4 331.2 53.6 296.2 22,732.4 2,128.6 476.4 178.6 18,502.7 295.4 996.5 443.8 1,294.4 1,336.4 698.5 398.1 5,231.0 2,694.3 154.7 55.8 8,374.5 18.0 3,678.8 0.4 Private Sector 15,217.8 3,845.2 7,811.7 8,620.5 365.8 3,069.6 191.8 11,161.0 1,288.5 3,294.1 5,879.4 92.9 108.9 15,013.6 2,527.8 12,349.1 2,015.2 17,248.4 357.0 114.2 155.6 27,939.7 6,642.9 384.5 2,190.5 45,409.3 1,188.0 1,880.9 570.3 10,291.4 331.2 53.6 296.2 8,757.3 2,128.6 476.4 178.6 18,055.1 295.4 996.5 443.8 1,294.4 1,336.4 698.5 398.1 4,272.8 2,694.3 154.7 55.8 8,374.5 18.0 3,678.8 0.4 33,260.3 36,638.6 239,708.0 207,484.8 TOTAL 01.00 stands for 00.25 to 01.00 02.00 stands for 01.25 to 02.00 03.00 stands for 02.25 to 03.00 341,555.0 0.00 1.00* 2.00* 3.00* 3.25 3.50 3.75 4.00 4.25 4.50 4.75 5.00 5.25 5.50 5.75 6.00 6.25 6.50 6.75 7.00 7.25 7.50 7.75 8.00 8.25 8.50 8.75 9.00 9.25 9.50 9.75 10.00 10.25 10.50 10.75 11.00 11.25 11.50 11.75 12.00 12.25 12.50 12.75 13.00 13.25 13.50 13.75 14.00 14.25 14.50 14.75 15.00 15.25 15.50 15.75 16.00 & over 2017 Jun Private Sector 24,252.8 318.8 4,614.3 7,395.0 181.0 1,426.6 0.1 4,275.9 1,727.7 931.8 239.7 2,170.1 92.9 135.4 4,196.6 226.0 10,681.7 3,330.6 9,539.3 46.7 839.9 262.1 2,053.7 147.8 6,529.3 226.8 13,164.4 2,742.2 1,717.3 151.4 11,283.3 574.7 101.6 272.5 5,517.1 2,999.6 654.7 93.7 25,885.0 468.6 1,113.2 149.7 1,921.4 354.4 961.8 230.6 4,844.8 66.1 162.2 87.4 9,081.9 183.4 3,597.1 2.0 Overall * * * 2016 Overall Jun 27,833.6 2,010.5 10,266.6 13,031.5 2,876.8 403.0 230.9 6,000.5 532.1 126.2 543.5 1,748.8 32.3 93.1 11.6 23,559.2 6,297.7 7,439.5 715.0 14,808.5 176.1 862.2 628.7 14,173.7 876.4 296.1 237.1 27,316.5 144.3 1,187.9 362.8 8,458.8 272.2 152.3 160.6 4,661.5 1,790.3 170.0 539.4 20,022.5 1,704.2 852.5 348.2 1,030.9 548.8 2,173.0 474.5 3,616.9 30.5 175.8 15.3 14,026.2 35.6 6,351.2 39.0 Private Sector 27,833.6 2,010.5 10,266.6 9,996.8 2,876.8 403.0 230.9 6,000.5 532.1 126.2 543.5 1,748.8 32.3 93.1 11.6 17,313.3 6,297.7 7,439.5 715.0 14,808.5 176.1 862.2 628.7 14,173.7 876.4 296.1 237.1 27,316.5 144.3 1,187.9 362.8 8,458.8 272.2 152.3 160.6 4,661.5 1,790.3 170.0 539.4 13,624.3 1,704.2 852.5 348.2 1,030.9 548.8 2,173.0 474.5 3,616.9 30.5 175.8 15.3 14,026.2 35.6 6,351.2 39.0 36,015.8 36,644.5 36,644.5 298,230.5 269,117.4 253,438.7 Overall 57 Dec 36,168.1 664.9 15,469.2 11,928.5 3,278.7 898.3 150.9 6,777.9 794.8 176.2 124.5 2,221.1 4.8 454.5 8.2 23,122.3 9,795.9 7,324.9 2,612.7 25,039.0 4,610.9 5,329.9 3,367.7 14,771.9 3,051.6 4,177.2 1,050.2 30,287.7 3,044.8 1,980.7 1,572.6 12,774.5 596.8 1,764.9 122.7 4,123.4 3,291.5 230.5 161.3 12,905.7 1,595.3 906.1 1,108.1 2,593.0 321.3 3,253.3 545.0 4,606.2 6.5 178.4 17.8 13,839.5 263.8 6,122.4 - Private Sector 27,668.1 664.9 15,469.2 9,927.0 362.8 898.3 150.9 5,864.9 794.8 176.2 124.5 2,221.1 4.8 454.5 8.2 11,165.9 9,795.9 7,324.9 2,612.7 25,039.0 4,610.9 5,329.9 3,367.7 14,771.9 3,051.6 4,177.2 1,050.2 30,287.7 3,044.8 1,980.7 1,572.6 12,774.5 596.8 1,764.9 122.7 4,123.4 3,291.5 230.5 161.3 12,505.7 1,595.3 906.1 1,108.1 2,593.0 321.3 3,253.3 545.0 4,606.2 6.5 178.4 17.8 13,839.5 263.8 6,122.4 - 14,237.4 249.8 6,052.3 14,860.3 3,917.1 333.9 0.1 5,255.7 384.6 2,638.1 52.7 2,634.6 335.0 537.9 13.2 26,933.9 37,897.8 34,963.6 3,958.8 22,664.7 12,772.7 7,916.9 3,860.0 10,520.9 7,249.0 15,740.6 2,291.7 6,400.5 15,389.8 890.3 4,813.1 7,626.5 382.2 3,027.2 526.6 11,453.4 3,701.0 1,460.5 588.3 10,735.4 1,956.2 1,523.3 1,979.9 1,033.7 642.9 2,779.0 744.2 1,631.4 30.7 178.3 381.9 1,500.6 20.1 2,101.1 279.4 Private Sector 14,237.4 249.8 6,052.3 12,585.3 298.0 333.9 0.1 5,255.7 384.6 204.4 52.7 2,634.6 335.0 537.9 13.2 26,933.9 11,311.7 16,963.6 3,958.8 22,664.7 12,772.7 7,916.9 3,860.0 10,520.9 7,249.0 15,340.6 2,291.7 6,400.5 15,389.8 890.3 4,813.1 7,626.5 382.2 3,027.2 526.6 11,453.4 3,701.0 1,460.5 588.3 10,735.4 1,956.2 1,523.3 1,979.9 1,033.7 642.9 2,779.0 744.2 1,631.4 30.7 178.3 381.9 1,500.6 20.1 2,101.1 279.4 37,464.4 37,464.4 28,119.8 28,119.8 Overall Overall 329,053.1 302,366.2 350,170.7 296,856.7 Source: Statistics & Data Warehouse Department, SBP
33. 3 .25 Scheduled Banks' Financing under Islamic Modes by Rates of Return 2015 (End of Period: Million Rupees) 2017 2016 Dec Jun Dec Jun Dec RATE OF RETURN Overall Private Sector Overall Private Sector Overall Private Sector Overall Private Sector Overall Private Sector 0.00 1.00* 2.00* 3.00* 4.00* 5.00* 6.00* 7.00* 8.00* 8.25 8.50 8.75 9.00 9.25 9.50 9.75 10.00 10.25 10.50 10.75 11.00 11.25 11.50 11.75 12.00 12.25 12.50 12.75 13.00 13.25 13.50 13.75 14.00 14.25 14.50 14.75 15.00 15.25 15.50 15.75 16.00 16.25 16.50 16.75 17.00 17.25 17.50 17.75 18.00 18.25 18.50 18.75 19.00 19.25 19.50 19.75 20.00 & over 291,029.2 9,590.4 13,440.0 79,302.8 177,773.7 201,843.9 148,031.0 832,603.8 930,470.0 55,588.5 75,420.0 19,275.8 337,359.4 23,954.4 106,717.0 60,999.8 178,757.3 12,144.9 24,897.2 26,096.0 118,006.5 22,064.2 26,310.8 8,713.2 110,852.0 27,575.0 24,305.1 12,873.3 46,041.0 4,914.4 58,134.9 1,789.7 46,727.9 57,808.8 4,182.8 1,336.1 30,399.9 2,627.5 60,723.3 5,306.5 52,315.7 636.8 2,553.3 492.2 19,803.6 1,564.6 2,038.0 329.6 31,715.8 313.1 562.5 416.6 58,394.0 143.6 967.6 49.6 56,058.6 271,759.1 9,530.4 13,440.0 57,860.1 141,184.1 198,463.9 100,377.2 455,799.5 537,098.1 45,162.1 73,058.2 18,524.0 262,758.3 23,954.4 102,920.7 27,322.0 165,569.0 12,144.9 24,897.2 24,965.3 87,510.0 21,424.4 26,304.7 8,713.2 92,832.1 27,575.0 24,299.1 12,871.5 41,691.2 4,914.4 58,134.9 1,789.1 46,569.0 57,808.8 4,182.0 1,335.5 30,349.9 2,627.5 60,723.3 5,306.5 51,476.6 635.2 2,553.3 492.2 19,803.4 1,564.6 2,038.0 329.6 31,715.8 311.9 562.5 416.6 58,394.0 143.6 967.6 49.6 56,058.6 234,643.2 12,429.2 17,516.4 73,792.5 182,294.6 133,021.8 129,645.9 1,242,575.0 902,834.0 150,562.1 90,606.3 60,211.0 267,859.3 91,509.0 38,387.0 47,855.2 58,244.4 26,022.1 26,953.9 49,765.8 90,860.6 35,616.1 75,545.6 14,076.8 58,309.3 13,589.8 24,174.5 12,506.4 41,356.3 5,372.4 49,236.6 4,072.1 48,236.1 37,195.3 4,081.1 3,838.0 71,120.9 3,391.6 64,037.2 20,457.1 32,211.8 1,209.8 3,494.0 2,171.6 6,696.6 1,357.2 3,071.7 1,039.1 26,696.8 847.7 803.7 440.5 69,763.5 409.4 989.1 403.8 71,227.9 159,218.1 11,102.1 17,516.5 71,889.8 158,046.6 123,517.5 87,163.4 605,838.3 631,743.8 134,728.9 77,679.4 59,032.2 181,233.1 80,889.7 37,915.8 45,855.2 56,663.1 26,022.1 26,953.9 48,870.0 52,004.8 35,042.2 41,078.4 14,076.8 58,015.1 10,904.8 24,174.0 12,506.1 41,356.3 5,372.4 49,236.6 4,071.6 48,105.6 37,195.3 4,080.6 3,837.6 71,095.9 3,391.6 64,037.2 20,457.1 31,216.2 1,208.9 3,494.0 2,171.6 6,696.3 1,357.2 3,071.7 1,039.1 26,281.3 847.6 803.7 440.5 69,763.5 409.4 989.1 403.8 71,228.0 461,671.7 14,051.4 37,461.9 278,824.2 146,866.7 96,433.0 495,397.1 1,216,676.5 824,681.6 53,478.0 107,598.4 46,112.3 299,736.4 56,109.9 46,648.1 29,771.0 91,494.5 19,662.3 23,582.5 19,200.1 80,299.1 10,266.8 36,242.0 10,146.6 74,990.4 9,934.1 32,191.3 8,095.7 15,309.8 4,323.9 62,146.0 1,944.4 45,022.7 32,333.3 7,311.9 11,322.5 70,752.4 2,631.5 27,310.2 19,260.0 23,484.7 801.9 2,253.4 1,788.9 7,602.0 2,656.9 1,460.8 752.1 29,640.9 1,177.8 673.1 500.3 55,607.2 233.3 817.5 344.9 77,024.7 282,150.8 13,991.4 37,461.9 264,282.2 126,150.0 91,891.1 188,170.0 752,680.3 642,839.2 45,148.8 94,795.9 45,125.0 285,068.5 56,109.9 46,093.4 27,771.0 66,260.4 19,515.0 23,582.5 18,135.1 75,278.4 10,266.8 36,242.0 10,146.6 51,741.1 7,934.1 32,191.3 8,095.7 15,309.8 4,323.9 62,146.0 1,944.4 45,022.7 32,333.3 7,311.9 11,322.5 70,752.4 2,631.5 27,310.2 19,260.0 22,736.6 801.9 2,253.4 1,788.9 7,601.8 2,656.9 1,460.8 752.1 29,640.9 1,177.8 673.1 500.3 55,607.2 233.3 817.5 344.9 77,024.7 505,166.1 5,775.3 39,770.7 336,498.9 115,965.6 58,876.8 370,764.9 1,620,164.0 991,060.7 86,561.4 68,097.6 58,545.3 286,906.2 68,788.1 50,607.4 16,277.3 111,232.1 15,983.8 32,075.5 19,256.9 66,984.6 27,981.5 30,901.0 8,122.6 51,491.9 8,761.7 65,375.2 6,478.4 20,021.1 5,019.1 60,223.2 1,616.8 69,159.6 26,186.6 2,101.4 22,728.4 49,073.4 3,776.2 16,972.4 15,037.5 26,175.4 1,022.7 3,781.6 6,168.8 6,500.7 841.1 9,252.5 373.1 29,125.4 1,878.1 2,122.6 631.4 47,550.7 78.5 1,502.6 306.0 83,187.8 273,283.3 4,712.4 39,770.7 308,723.5 97,772.7 58,876.8 184,428.3 960,796.6 744,304.6 67,164.6 66,905.5 57,588.1 271,215.3 68,788.1 50,607.4 14,277.3 67,956.3 15,836.6 32,075.5 19,256.9 66,984.6 27,977.0 30,872.6 8,122.6 37,187.9 6,746.0 65,375.2 6,478.4 20,021.1 5,019.1 40,223.2 1,616.8 66,912.2 26,186.6 2,101.4 22,728.4 46,146.9 3,776.2 16,972.4 15,037.5 25,217.0 1,022.7 3,720.6 6,168.8 6,500.7 840.8 9,252.5 373.1 29,125.4 1,244.7 2,122.6 631.4 47,550.7 78.5 1,502.6 306.0 83,187.8 237,928.0 5,281.4 28,295.5 390,573.4 112,866.0 73,539.6 384,322.7 1,736,385.8 1,289,909.5 137,164.3 82,826.0 85,414.0 201,845.8 147,086.7 40,063.8 63,110.4 64,468.5 26,324.0 34,471.1 16,997.2 85,743.6 48,221.3 27,979.9 12,787.5 53,488.2 9,452.5 69,621.4 3,853.6 22,044.4 3,640.3 36,120.3 5,494.0 62,982.7 24,582.8 9,928.3 32,534.9 52,425.5 3,900.2 22,967.4 13,232.5 29,084.2 2,040.1 3,530.4 2,112.5 9,134.3 989.6 1,392.4 1,039.4 11,868.6 1,195.3 1,836.5 746.9 43,056.5 312.9 789.0 426.2 86,860.8 177,542.3 4,183.4 28,295.5 358,559.8 91,898.3 61,908.4 165,277.5 995,850.1 918,339.6 123,525.7 81,750.6 84,496.6 197,925.9 131,632.2 40,063.8 57,604.8 61,985.4 25,785.9 34,471.1 16,845.5 85,718.6 48,192.1 27,979.9 12,787.5 25,696.1 9,452.5 69,621.4 3,853.6 19,944.4 3,640.3 36,120.3 5,494.0 62,982.7 24,582.8 9,928.3 32,534.9 52,192.2 3,089.6 22,967.4 13,232.5 28,243.1 2,040.1 3,530.4 2,112.5 9,134.1 989.6 1,392.4 1,039.4 11,868.6 1,094.3 1,836.5 746.9 43,056.5 312.9 789.0 426.2 86,860.8 4,504,342.9 3,411,263.5 4,736,637.1 3,463,341.2 5,134,112.8 3,864,859.1 5,636,886.0 4,139,672.6 5,956,291.0 4,423,426.8 TOTAL Source: Statistics & Data Warehouse Department, SBP 58
34. 3 .26 Scheduled Banks' Weighted Average Rates of Return on Deposits PLS & Interest Bearing – All Banks TYPE OF DEPOSITS I. II. III. Call Deposits Saving Deposits 2014 2015 (Percent per annum) 2017 2016 Dec Jun Dec Jun Dec Jun Dec 5.49 3.59 3.73 2.88 3.30 2.42 2.85 (2.01) (2.50) (1.96) (2.36) (2.29) (3.19) (2.47) 5.94 4.69 4.09 3.73 3.57 3.54 3.58 (61.27) (64.38) (63.95) (64.38) (63.58) (64.78) (64.46) Term or Fixed Deposits (a) Less than 3 months 5.62 5.16 4.94 4.80 4.36 4.36 4.18 (9.25) (6.70) (7.38) (5.69) (5.75) (4.59) (5.68) 6.59 5.34 4.56 4.52 4.26 4.29 4.31 (6.07) (5.93) (5.92) (6.14) (6.46) (6.09) (6.42) 6.77 5.88 5.17 4.70 4.32 4.26 4.10 (4.64) (4.49) (5.43) (5.62) (5.88) (5.80) (5.19) 7.39 6.26 5.56 4.89 4.70 4.62 4.79 (11.69) (11.28) (10.76) (11.25) (11.91) (11.98) (12.45) (b) 3 months and over but less than 6 months (c) 6 months and over but less than 1 year (d) 1 year and over but less than 2 years (e) 2 years and over but less than 3 years 7.87 7.18 5.87 5.62 5.29 5.14 5.16 (0.63) (0.62) (0.59) (0.63) (0.50) (0.40) (0.37) 7.79 7.02 7.1 5.48 5.46 5.67 5.77 (1.50) (1.76) (1.78) (1.22) (1.14) (0.90) (0.70) 8 8.15 6.67 5.84 5.68 5.28 6.61 (0.15) (0.12) (0.09) (0.07) (0.05) (0.06) (0.13) 8.76 8.62 7.05 6.42 5.83 6.22 7.46 (2.79) (2.22) (2.14) (2.62) (2.44) (2.21) (2.11) 6.27 5.11 4.52 4.11 3.92 3.84 3.93 4.31 3.41 3.07 2.75 2.62 2.53 2.64 (f) 3 years and over but less than 4 years (g) 4 years and over but less than 5 years (h) 5 years and over IV. Overall (i) Excluding current and other deposits (ii) Including current and other deposits Source: Statistics & Data Warehouse Department, SBP Note: Figures in parentheses represent as percentage of total deposits excluding current and other deposits. PLS: Profit and Loss Sharing 59
35. 3 .27 Scheduled Banks' Weighted Average Rates of Return on Deposits Profit & Loss Sharing – All Banks 2014 TYPE OF DEPOSITS I. II. III. Call Deposits Saving Deposits 2015 (Percent per annum) 2017 2016 Dec Jun Dec Jun Dec Jun Dec 5.49 3.73 3.89 3.02 3.42 2.54 2.95 (2.01) (2.61) (2.04) (2.43) (2.38) (3.26) (2.60) 5.94 5.04 4.41 3.98 3.80 3.75 3.83 (61.27) (64.87) (64.04) (64.56) (63.74) (64.99) (64.96) Term or Fixed Deposits (a) Less than 3 months (b) 3 months and over but less than 6 months (c) 6 months and over but less than 1 year 5.62 5.43 5.04 4.99 4.66 4.54 4.55 (9.25) (6.91) (7.84) (5.87) (5.68) (4.69) (5.51) 6.59 6.25 5.48 5.02 4.67 4.67 4.76 (6.07) (5.38) (5.20) (5.81) (6.16) (5.76) (6.06) 6.77 6.65 5.60 5.15 4.67 4.66 4.70 (4.64) (4.23) (5.38) (5.41) (5.71) (5.44) (4.73) (d) 1 year and over but less than 2 years 7.39 6.77 6.00 5.17 4.90 4.81 5.04 (11.69) (11.22) (10.71) (11.31) (12.14) (12.13) (12.68) (e) 2 years and over but less than 3 years 7.87 7.18 5.95 5.67 5.35 5.25 5.44 (0.63) (0.68) (0.63) (0.67) (0.53) (0.41) (0.37) (f) 3 years and over but less than 4 years 7.79 7.91 7.30 5.86 5.68 5.77 5.79 (1.50) (1.69) (1.88) (1.22) (1.17) (0.94) (0.76) 8.00 8.17 7.07 5.88 5.68 5.29 6.61 (0.15) (0.13) (0.09) (0.08) (0.05) (0.07) (0.14) 8.76 9.03 7.39 6.77 6.14 6.35 7.74 (2.79) (2.28) (2.19) (2.63) (2.44) (2.31) (2.18) (i) Excluding current and other deposits 6.27 5.52 4.87 4.39 4.16 4.07 4.21 (ii) Including current and other deposits 4.31 3.75 3.39 3.01 2.86 2.74 2.89 (g) 4 years and over but less than 5 years (h) 5 years and over IV. Overall Source: Statistics & Data Warehouse Department, SBP Note : Figures in parentheses represent as percentage of total PLS deposits excluding current and other deposits. 60
36. 3 .28 Scheduled Banks' Weighted Average Rates of Return on Deposits Interest Bearing – All Banks (Percent per annum) TYPE OF DEPOSITS I. II. III. Call Deposits Saving Deposits Dec 2015 Jun. 2016 Dec Jun 2017 Dec Jun Dec 0.05 0.11 0.19 0.07 0.10 0.05 0.08 (0.81) (1.21) (1.05) (1.48) (1.09) (2.30) (1.01) 0.52 0.36 0.45 0.52 0.49 0.57 0.41 (56.06) (58.92) (62.99) (62.25) (61.44) (62.00) (58.74) Term or Fixed Deposits (a) Less than 3 months (b) 3 months and over but less than 6 months 0.36 0.42 0.66 0.91 1.01 0.73 1.10 (11.20) (4.34) (2.19) (3.57) (6.68) (3.22) (7.59) 1.35 0.79 0.71 1.04 1.06 1.51 1.28 (9.77) (12.09) (13.93) (10.16) (10.33) (10.54) (10.50) (c) 6 months and over 1.58 0.97 0.85 1.10 1.07 1.53 1.01 but less than 1 year (10.08) (7.40) (6.01) (8.19) (8.12) (10.60) (10.55) (d) 1 year and over but less than 2 years (e) 2 years and over but less than 3 years (f) 3 years and over but less than 4 years (g) 4 years and over but IV. 2014 0.92 0.93 0.91 1.20 1.10 1.48 1.14 (9.22) (11.91) (11.35) (10.56) (8.91) (9.97) (9.85) 0.48 0.3 1 0.96 1.26 1.65 1.93 (0.08) (..) (0.11) (0.10) (0.11) (0.18) (0.37) 0.13 0.37 1.13 0.94 1.28 1.71 2.00 (1.07) (2.54) (0.69) (1.24) (0.83) (0.32) (0.05) 1.48 1.54 1.25 1.79 1.48 1.75 2.17 less than 5 years (0.08) (..) (0.08) (0.01) (..) (..) (..) 2.44 1.94 1.8 1.79 1.81 1.77 2.21 (h) 5 years and over (1.63) (1.59) (1.61) (2.43) (2.49) (0.88) (1.34) 0.75 0.55 0.59 0.74 0.72 0.87 0.72 0.43 0.3 0.32 0.37 0.35 0.44 0.39 Overall (i) Excluding current and other deposits (ii) Including current and other deposits Source: Statistics & Data Warehouse Department, SBP Note: Figures in parentheses represent as percentage of total interest bearing deposits excluding current and other deposits. 61
37. 3 .29 Scheduled Banks' Weighted Average Rates of Return / Interest on Advances (Percent per annum) AS AT THE END OF I. Precious Metals Stock Exchange Securities Merchandise Machinery Real Estate Financial Obligations Others TOTAL ADVANCES INTEREST BEARING & ISLAMIC MODES OF FINANCING - ALL BANKS 2014 2015 2016 2017 II. 2014 2015 2016 2017 III. 2014 2015 2016 2017 Jun 14.43 11.38 10.12 9.51 11.99 10.35 11.73 11.00 Dec 14.12 11.21 10.31 10.68 11.51 10.09 11.2 10.88 Jun 11.71 9.37 8.51 8.23 10.45 10.02 9.60 9.20 Dec 13.23 8.54 7.37 8.18 9.13 9.60 8.89 8.41 Jun 11.33 6.82 7.51 8.04 9.48 10.16 9.02 8.40 Dec 11.21 7.90 6.52 7.14 8.11 4.84 8.55 7.59 Jun 8.85 7.39 6.94 5.96 8.78 6.60 8.55 7.49 Dec 7.89 7.20 6.95 7.25 8.64 7.15 8.43 7.76 INTEREST BEARING - ALL BANKS Jun 15.46 12.03 10.11 9.92 11.61 7.10 11.72 11.20 Dec 15.32 11.93 9.58 9.64 11.65 7.39 12.33 11.30 Jun 12.99 11.15 9.13 8.64 9.91 7.32 11.51 10.27 Dec 14.45 9.44 8.69 8.79 9.29 6.65 11.38 9.90 Jun 11.6 8.3 8.76 8.59 8.8 9.58 10.03 9.25 Dec 11.35 9.18 7.94 8.44 8.49 4.76 10.92 9.28 Jun 14.51 7.31 7.11 8.38 8.67 4.52 11.03 8.88 Dec 14.13 7.40 7.16 8.33 8.31 8.89 10.35 8.67 ISLAMIC MODES OF FINANCING-ALL BANKS Jun 14.22 11.27 10.12 9.48 12.03 10.65 11.73 10.99 Dec 13.73 11.00 10.35 10.72 11.5 10.22 11.11 10.85 Jun 11.59 8.83 8.48 8.22 10.49 10.19 9.48 9.13 Dec 13.15 8.42 7.32 8.16 9.12 9.70 8.76 8.33 Jun 11.28 6.73 7.44 8.01 9.56 10.17 8.94 8.34 Dec 11.18 7.75 6.47 7.10 8.07 4.84 8.42 7.51 Jun 8.25 7.40 6.93 5.88 8.79 6.74 8.43 7.41 Dec 7.87 7.17 6.94 7.21 8.69 6.99 8.32 7.71 Source: Statistics & Data Warehouse Department, SBP 62
38. 3 .30 State Bank of Pakistan Rates for Banks and Scheduled Banks’ Rates of Return on Export Finance (Percent per annum) Export Finance Scheme EFFECTIVE FROM State Bank of Pakistan Corporate SME Export Finance Facility for Locally Manufactured Machinery Scheduled State Bank of Pakistan Over 3 Year Banks Up to 3 and up to Year 5Years Scheduled Banks Over 3 Year Up to 3 and up to Year 5Years Long Term Financing Facility(LTFF) Punjab Provincial Co-operative Over 3 Years Over 5 Years Bank Ltd. and up to 5 to 10 Years Years For Plant & Machinery Up to 3 Years 01/11/2015 3.5 2.5 4.5 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.3035 01/12/2015 3.5 2.5 4.5 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.3837 01/01/2016 3.5 2.5 4.5 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.3637 01/02/2016 3.5 2.5 4.5 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.1662 01/03/2016 3.5 2.5 4.5 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.2239 01/04/2016 3.5 2.5 4.5 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.1812 01/05/2016 3.5 2.5 4.5 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.1720 01/06/2016 3.5 2.5 4.5 4.0 3.5 6.0 6.0 4.5 3.5 3.0 5.9992 01/07/2016 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 5.8910 01/08/2016 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 5.8214 01/09/2016 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 5.8990 01/10/2016 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 5.9046 01/11/2016 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 5.9046 01/12/2016 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 5.9440 01/01/2017 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 5.9792 01/02/2017 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 5.9033 01/03/2017 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 5.9893 01/04/2017 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 5.9934 01/05/2017 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.0082 01/06/2017 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.0109 01/07/2017 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.0109 01/08/2017 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.0109 01/09/2017 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.0109 01/10/2017 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.0109 01/11/2017 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.0109 01/12/2017 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.0109 01/01/2018 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.0109 01/02/2018 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.0109 01/03/2018 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.0109 Source: IH & SME Finance Department SBP 1. In terms of SMED Circular No. 01 dated 30-01-06 the rates of COF shall be negotiated by the banks on the basis of KIBOR of relevant tenor. 2. LMM Scheme (Export Sales) has been replaced with the Export Finance Facility for Locally Manufactured Machinery (EFF-LMM) vide I.H. & SMEFD Circular No. 04 dated Jan 03, 2013. 63
39. 3 .31 Weighted Average Lending & Deposit Rates (Percent per annum) Gross Disbursements Items Including Zero Markup Outstanding Loans Excluding Zero Markup Including Zero Markup Fresh Deposits Excluding Zero Markup Including Zero Markup Outstanding Deposits Excluding Zero Markup Including Zero Markup Excluding Zero Markup Including Excluding Including Excluding Including Excluding Including Excluding Including Excluding Including Excluding Including Excluding Including Excluding Interbank Interbank Interbank Interbank Interbank Interbank Interbank Interbank Interbank Interbank Interbank Interbank Interbank Interbank Interbank Interbank Nov-2017 Public 7.81 8.47 7.86 8.54 8.80 8.82 8.99 9.00 4.57 4.83 5.20 5.24 3.33 3.47 4.80 4.78 Private 7.10 7.23 7.29 7.44 7.38 7.40 7.67 7.69 3.37 3.13 4.77 4.61 2.78 2.77 4.33 4.32 Foreign 5.94 6.56 5.94 6.56 6.19 6.27 6.58 6.77 2.89 3.24 3.80 4.61 3.35 3.55 4.18 4.59 Specialized 13.56 13.56 13.58 13.58 13.00 13.00 13.84 13.84 3.98 3.98 4.67 4.67 4.10 4.10 4.67 4.66 All Banks 7.07 7.28 7.24 7.49 7.81 7.83 8.09 8.12 3.45 3.29 4.74 4.68 2.91 2.93 4.43 4.42 Public 7.87 8.18 7.94 8.26 8.78 8.81 9.02 9.02 3.24 4.59 5.18 5.25 3.25 3.52 4.81 4.78 Private 7.02 7.16 7.22 7.39 7.32 7.34 7.58 7.61 3.60 3.46 4.96 4.89 2.79 2.77 4.38 4.37 Foreign 6.08 6.62 6.08 6.62 6.30 6.32 6.73 6.77 2.92 2.99 4.20 4.65 3.33 3.44 4.31 4.63 Specialized 13.81 13.81 13.82 13.82 13.00 13.00 13.84 13.84 3.45 3.40 4.77 4.72 3.89 3.88 4.66 4.66 All Banks 7.04 7.24 7.23 7.46 7.74 7.77 8.01 8.04 3.51 3.51 4.93 4.90 2.89 2.92 4.47 4.46 Public 7.71 8.67 7.79 8.79 8.65 8.68 8.88 8.89 3.85 4.40 4.73 4.77 3.32 3.48 4.74 4.73 Private 7.18 7.36 7.31 7.50 7.33 7.35 7.60 7.62 3.07 2.87 4.75 4.62 2.76 2.75 4.34 4.33 Foreign 5.81 6.60 5.81 6.60 6.26 6.34 6.62 6.78 3.48 3.77 4.04 4.54 3.36 3.49 4.32 4.64 Specialized 13.53 13.53 13.54 13.54 13.00 13.00 13.84 13.84 3.37 3.37 4.96 4.96 4.08 4.08 4.65 4.65 All Banks 7.11 7.40 7.22 7.55 7.72 7.75 8.00 8.03 3.18 3.07 4.69 4.63 2.89 2.91 4.43 4.42 Public 8.17 8.69 8.19 8.71 8.41 8.44 8.70 8.71 4.37 4.43 4.61 4.60 3.27 3.43 4.80 4.79 Private 6.99 7.24 7.13 7.41 7.34 7.36 7.62 7.64 3.62 3.55 4.36 4.31 2.81 2.79 4.44 4.43 Dec-2017 Jan-2018 Feb-2018 Foreign 6.08 6.72 6.08 6.72 6.32 6.40 6.71 6.89 3.22 3.21 4.64 4.63 3.54 3.55 4.77 4.77 Specialized 13.66 13.66 13.66 13.66 13.01 13.01 13.85 13.85 4.05 4.05 5.02 5.02 3.98 3.97 4.67 4.66 All Banks 7.01 7.32 7.13 7.48 7.69 7.72 7.98 8.01 3.69 3.63 4.40 4.36 2.92 2.93 4.53 4.51 Public 8.16 8.28 8.20 8.32 8.15 8.18 8.55 8.55 3.60 3.94 4.96 4.95 3.25 3.46 4.80 4.80 Private 6.95 7.22 7.07 7.38 7.31 7.39 7.55 7.66 3.48 3.39 4.90 4.84 2.86 2.84 4.51 4.50 Mar-2018 Foreign 6.22 6.75 6.22 6.75 6.47 6.50 6.93 6.97 3.47 3.67 4.47 4.89 3.53 3.67 4.55 4.83 Specialized 14.11 14.11 14.23 14.23 13.07 13.07 13.90 13.90 3.74 3.74 5.74 5.74 3.82 3.82 4.70 4.70 All Banks 7.00 7.30 7.11 7.45 7.60 7.69 7.89 7.99 3.50 3.47 4.88 4.86 2.95 2.97 4.57 4.56 Notes: Source: Statistics & Data Warehouse Department, SBP 1. Gross Disbursement: Gross Disbursements include the amount disbursed against fresh loans and the loan re-priced, renewed or rolled over during the month. However, in case of running finance the disbursed amount means the maximum amount availed by the borrower at any point of time during the month. 2. Outstanding Position: The loans and advances recoverable from borrowers at the end of the month. 3. Fresh Deposits: Fresh Deposits include outstanding position of fresh deposits (new accounts) mobilized during the month and deposits re-priced or rolled over during the month. 4. Outstanding Deposits: The deposits held within the banks at the end of the month. 5. Loans & advances and deposits include interbank placements as well. 64
40. Weighted Average Lending and Deposits Rates All Banks 8 .0% 7.0% Rates 6.0% 5.0% 4.0% Fresh Deposits Mar-18 Feb-18 Jan-18 Dec-17 Nov-17 Oct-17 Sep-17 Aug-17 Jul-17 Jun-17 May-17 Apr-17 2.0% Mar-17 3.0% Gross Disbursements All Banks 12.0% 10.0% Rates 8.0% 6.0% Outstanding Deposits Note: Including zero rate of markup 65 Outstanding Loans Mar-18 Feb-18 Jan-18 Dec-17 Nov-17 Oct-17 Sep-17 Aug-17 Jul-17 Jun-17 May-17 Apr-17 2.0% Mar-17 4.0%
41. 3 .32 Average Rates of Return on Advances of Specialized Agricultural Finance Institutions and Agriculture Lending of Commercial Banks (Percent per annum) Zarai Taraqiati Bank Ltd. Punjab Provincial Cooperative Bank Commercial Banks1 Period Production Loans Development Loans Production Loans Development Loans Production Loans Development Loans 2007-08 9.00 2 9.00 2 12.50 17.00 15.00 3 15.00 3 2008-09 9.00 2 9.00 2 15.00 16.00 17.00 3 17.00 3 2009-10 9.00 2 9.00 2 15.00 16.00 17.00 3 17.00 3 2010-11 9.00 2 9.00 2 15.00 16.00 17.00 3 17.00 3 2011-12 12.00 4 13.80 4 17.00 18.00 17.00 3 16.00 3 2012-13 12.00 4 13.80 4 19.00 18.00 16.00 3 16.00 3 2013-14 12.00 4 13.80 4 19.00 18.00 16.00 3 16.50 3 2014-15 12.90 4 12.90 4 17.75 17.75 15.01 3 15.01 3 2015-16 15.21 15.21 17.50 17.50 11.60 12.52 2016-17 14.21 14.21 15.08 16.16 11.60 11.60 Source: Agricultural Credit and Micro Finance Department SBP 1. Commercial banks including 5 Big Commercial Bank, 14 DPBs 2. Percent incentive is allowed to those borrowers who repay in time. 3. Mark up rates of comm. Banks are available since 2007-08 4. ZTBL revised mark up rates (average) in FY 2011-12 66
42. 3 .33 Rates of Profit on National Saving Schemes ( Percent per annum) 2015 SCHEME 1. st st 2016 st st st 1 Jun 1 Aug 1 Oct 1 Dec 1 Feb st st 2017 st 1 Apr 1 Jun 1 Aug st 1 Oct 1st Feb Saving Accounts (i) With cheque facilities 4.50 4.75 4.25 4.15 4.00 4.00 4.00 3.84 3.90 3.95 (ii) Without cheque facilities 4.50 4.75 4.25 4.15 4.00 4.00 4.00 3.84 3.90 3.95 2. Khas Deposit Accounts or Certificates1 3 Years (Rollover) (i) First 5 periods of complete 6 months 13.00 13.00 13.00 13.00 13.00 13.00 13.00 13.00 13.00 13.00 (ii) Last period of complete 6 months 13.00 13.00 13.00 13.00 13.00 13.00 13.00 13.00 13.00 13.00 13.42 13.42 13.42 13.42 13.42 13.42 13.42 13.42 13.42 13.42 (iii) Three Years (Compound rate) Mahana Amdani Accounts 2 3. (i) 1st year 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 (ii) 2nd year 7.24 7.24 7.24 7.24 7.24 7.24 7.24 7.24 7.24 7.24 (iii) 3rd year 7.43 7.43 7.43 7.43 7.43 7.43 7.43 7.43 7.43 7.43 (iv) 4th year 7.79 7.79 7.79 7.79 7.79 7.79 7.79 7.79 7.79 7.79 5th year 8.45 8.45 8.45 8.45 8.45 8.45 8.45 8.45 8.45 8.45 (vi) 6th year 9.25 9.25 9.25 9.25 9.25 9.25 9.25 9.25 9.25 9.25 (vii) 7th year 10.41 10.41 10.41 10.41 10.41 10.41 10.41 10.41 10.41 10.41 (viii) Compound rate on maturity 10.41 10.41 10.41 10.41 10.41 10.41 10.41 10.41 10.41 10.41 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 8.68 9.15 8.87 8.68 8.40 7.80 7.70 7.33 7.44 7.54 13.00 13.00 13.00 13.00 13.00 13.00 13.00 13.00 13.00 13.0 (v) Defence Saving Certificates3 4. Ist year (i) (ii) 10 years(Compound rate) 5. National Deposit Certificates / Accounts4 6 (a) Special Saving Certificates (Reg) 5 (i) 1 year (Rollover) or Special Saving Accounts (i) First 5 periods of complete 6 months 6.80 7.40 6.80 6.40 6.00 6.00 6.00 5.80 5.80 6.00 (ii) Last period of complete 6 months 8.00 8.80 8.00 7.60 6.80 6.40 6.80 6.00 6.20 6.20 Special Saving Certificates (Bearer) 5 (b) (i) First 4 periods of complete 6 months 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 12.00 (ii) Last 2 periods of complete 6 months 14.00 14.00 14.00 14.00 14.00 14.00 14.00 14.00 14.00 14.00 7. Regular Income Certificates6 7.608 8.52 7.85 7.54 7.10 6.63 6.55 6.31 6.36 6.54 8. Pensioner’s Benefit Accounts7 10.56 11.04 10.80 10.56 10.32 9.60 9.60 9.12 9.36 9.36 10.56 11.04 10.80 10.56 10.32 9.60 9.60 9.12 9.36 9.36 9. Behbood Saving Certificate8 10. Short Term Saving Certificate9 (i) 3 Months 6.28 6.56 6.12 6.04 5.84 5.84 5.68 5.52 5.56 5.60 (ii) 6 Months 6.34 6.60 6.16 6.06 5.86 5.86 5.70 5.54 5.60 5.62 (iii) 1 year 6.38 6.65 6.20 6.08 5.88 5.88 5.72 5.56 5.62 5.64 Notes: Source: Central Directorate of National Savings 1. Khas Deposit Accounts or Certificates introduced w.e.f. 15-05-1973 and discontinued w.e.f. 04-02-1990. However the existing deposits maturing on or after 5-02-1990 were allowed to rollover at 10% withholding tax at source upto 24-05-2000 vide Finance Divisions U.O.No. F.7 (1) AFA (DM)/96-726-727. 2. 3. Mahana Amdani Accounts were introduced w.e.f. 02-03-1983 and discontinued from 17-03-2003. Defence Saving Certificates introduced w.e.f. 08-11-1966. 4. National Deposit Accounts/ Certificates discontinued w.e.f. 01-03-1984 and w.e.f. 04-02-1990. Rollover facility have been provided to the existing deposits maturing on and after 5-02-1990 at 13% pa subject to 10% withholding tax upto 24-05-2000 vide Finance Division U .O.No. refered above. 5. Special Saving Certificates/ Accounts (Registered / Bearer) have been introduced w.e.f. 4-02-1990. Withholding tax at 2% was levied on the value of certificates purchased on and after 15-06-1995. Discontinued w.e.f.20-02-1997. Rates are quoted for outstanding amount as on today. 6. 7. Regular Income certificates introduced w.e.f 02-02-1993. Pensioner’s Benefit Accounts introduced w.e.f 20-01-2003. 8. The scheme has been introduced w.e.f 30-07-2003 specially for widows and senior citizens aged 60 years or above. Profit earned on deposits made in NSS except PBA & BSC are liable to withholding tax as per rules. 9. Short Term Certificates (STSC) introduced w.e.f 1st July 2012 67
43. 3 .34 Branchless Banking: Key Indicators Number of Agents Period Number of Accounts Deposits as of date (Rs. in millions) Number of transactions during the quarter (No. in thousands) Value of transactions during the quarter (Rs. in millions) Average Size of Transaction (in Rs.) Average number of Transaction per day 2014 Q4 204,073 5,414,655 6,668 71,818 372,093 5,181 797,980 Q1 229,645 7,538,025 6,890 72,520 354,135 4,883 805,774 Q2 251,865 10,881,378 8,553 99,523 505,879 5,083 1,105,815 Q3 267,914 13,192,396 6,890 100,862 526,406 5,219 1,120,687 Q4 301,823 15,322,171 8,827 101,636 486,031 4,782 1,129,288 Q1 341,403 13,673,442 10,885 115,927 509,126 4,392 1,288,083 Q2 346,716 14,576,387 13,734 118,772 543,609 4,577 1,319,684 Q3 351,912 16,905,696 8,457 110,041 519,820 4,724 1,222,678 Q4 359,806 19,964,900 11,717 133,741 596,986 4,464 1,486,007 Q1 368,738 23,685,630 7,906 140,589 564,448 4,015 1,562,096 Q2 402,710 27,312,964 15,423 167,173 746,569 4,466 1,857,476 Q3 420,107 33,070,736 11,280 164,704 726,451 4,411 1,830,042 2015 2016 2017 Source: Agriculture Credit & Microfinance Department SBP Branchless Banking or “BB” means conduct of banking activities as outlined in SBP Branchless Banking Regulations by Authorized Financial Institutions for customers having a branchless banking account. It does not include the information services already being provided by various FI‘s to their existing customers using channels like, phone, internet, SMS etc. Branchless Banking account or “BB Account” means an account maintained by a consumer in a Financial Institution in which credits and debits may be affected by virtue of Electronic Fund Transfers and which is used to conduct branchless banking activities as outlined in SBP Branchless Banking Regulations. Branchless Banking Agent means agent providing basic banking services, as described in SBP Branchless Banking Regulations to the customers of an FI on behalf of the FI under a valid agency agreement. 68
44. 3 .35 Telegraphic Transfers Issued and En-cashed by State Bank of Pakistan ( Million Rupees ) PERIOD 2015 2016 2017 2017 2018 Feb Mar Dec Jan Feb Mar Issued 821,069 910,456 969,135 58,262 104,721 73,206 56,452 74,960 101,945 En-cashed 1,212,252 1,290,400 1,386,047 105,395 123,069 111,477 160,408 93,526 123,608 Issued 616,676 690,070 944,818 54,122 88,051 67,793 97,091 69,511 94,114 En-cashed 665,384 461,122 361,160 15,000 24,160 28,000 41,000 38,000 39,000 Issued 166,565 179,090 134,244 6,829 15,371 12,779 25,191 12,825 10,304 En-cashed 136,806 155,507 144,127 5,890 9,400 8,210 15,040 15,075 13,960 Issued 22,173 25,093 22,223 411 2,000 655 2,074 1,361 792 En-cashed 72,825 70,434 80,621 5,335 4,924 5,280 4,645 6,560 3,585 Issued 83,279 91,785 111,396 4,881 12,683 9,661 8,511 9,925 15,174 En-cashed 102,932 112,253 120,046 16,928 6,558 6,248 5,805 15,958 10,645 Issued 113,176 139,243 172,348 22,313 12,891 5,716 22,410 10,863 20,901 En-cashed 147,202 135,748 169,540 3,944 12,122 22,075 13,145 21,220 23,615 Issued 14,548 10,010 12,505 1,600 500 3,825 1,510 746 578 En-cashed 43,579 49,230 45,635 3,955 4,493 2,269 1,134 1,024 6,349 Issued 205,872 251,120 305,603 26,415 13,672 24,670 32,072 23,050 16,480 En-cashed 426,716 345,000 335,175 9,849 27,649 41,505 15,427 15,069 36,040 Issued 16,366 9,612 9,415 - 1,209 450 2,467 2,023 3,623 En-cashed 69,989 73,131 73,623 4,232 6,066 9,100 4,150 4,150 6,630 Issued 7,643 12,438 15,545 134 3,551 450 1,660 1,353 507 En-cashed 94,301 110,444 114,313 7,836 9,989 7,651 8,430 8,437 10,460 Issued 8,408 11,677 18,496 2,789 184 4,500 6,525 35 2,515 En-cashed 35,111 48,575 73,691 1,800 4,594 9,601 6,223 4,256 5,399 Issued 14,138 7,410 7,800 500 600 100 600 1,200 600 En-cashed 10,811 12,454 11,547 1,606 2,606 610 1,210 1,925 1,210 Issued 2,608 3,203 1,512 67 595 - 890 - - En-cashed 17,979 41,131 40,671 1,912 2,210 1,990 1,620 2,050 2,720 Issued 45,227 47,735 54,625 3,656 4,016 7,146 6,040 4,631 6,277 En-cashed 7,068 4,382 3,554 315 279 717 134 411 316 Issued 8,940 6,348 5,145 76 129 174 40 858 2,864 En-cashed 55,280 62,864 78,443 4,470 4,778 8,590 4,503 5,410 6,864 Issued 2,146,683 2,395,286 2,784,810 182,055 260,173 211,125 263,533 213,341 276,674 En-cashed 3,098,228 2,972,671 3,038,193 188,467 242,897 263,323 282,874 233,071 290,401 Karachi Lahore Peshawar Quetta Faisalabad Rawalpindi Hyderabad Islamabad Multan Sialkot Sukkur D.I. Khan Bahawalpur Muzaffarabad Gujranwala TOTAL Source: SBP-BSC field offices 69
45. 3 .36 Clearing House Statistics (Thousand Cheques) ( Million Rupees ) PERIOD 2017 2015 Karachi Lahore Peshawar Quetta Faisalabad Rawalpindi Hyderabad Islamabad Multan Sialkot Sukkur D.I. Khan Others TOTAL 2016 2018 2017 No. of Cheques Cleared 32,189 33,175 Feb Mar Dec Jan Feb Mar 37,542 5,290 3,728 2,671 3,018 2,539 2,800 Amount 10,101,209 11,158,634 13,806,727 1,910,888 1,364,799 1,000,479 1,108,077 927,118 1,045,986 No. of Cheques Cleared 11,805 10,512 10,385 814 930 831 954 830 909 Amount 4,538,245 4,647,395 4,988,475 370,574 439,946 408,681 483,499 413,404 448,316 No. of Cheques Cleared 1,882 1,645 1,666 130 143 134 153 132 143 Amount 972,390 933,308 1,026,288 69,910 81,465 101,927 114,332 94,534 108,155 No. of Cheques Cleared 1,329 961 916 68 77 74 88 71 80 Amount 723,999 600,350 643,171 44,739 57,077 46,454 52,958 46,177 55,856 No. of Cheques Cleared 3,088 2,576 2,489 193 226 199 236 203 230 Amount 1,229,680 1,193,693 1,278,784 93,718 119,926 96,211 174,782 104,825 124,734 No. of Cheques Cleared 2,972 2,693 2,679 217 237 209 241 206 224 Amount 1,665,050 1,444,595 1,718,698 121,123 146,274 126,497 144,508 124,514 142,170 No. of Cheques Cleared 65 92 104 9 9 8 9 103 11 Amount 51,615 62,345 80,226 5,498 6,133 7,466 8,489 8,427 8,572 No. of Cheques Cleared 4,337 4,139 4,014 328 367 310 357 301 336 Amount 3,311,375 3,511,905 3,931,207 282,997 340,103 335,709 317,040 281,637 334,078 No. of Cheques Cleared 1,321 1,115 1,143 87 101 92 111 916 101 Amount 812,528 814,818 881,316 67,238 75,847 68,048 90,668 70,514 71,743 No. of Cheques Cleared 764 756 768 58 66 61 72 61 67 Amount 256,679 305,575 355,687 24,579 30,413 28,303 35,455 32,069 33,177 No. of Cheques Cleared 2,044 1,658 1,777 143 153 152 283 70 127 Amount 415,159 360,066 440,099 31,365 37,672 32,424 74,449 40,584 65,086 No. of Cheques Cleared 11 15 18 1 1 1 1 1 2 Amount 6,559 12,570 12,644 877 872 1,134 1,149 1,807 1,355 No. of Cheques Cleared 3,574 2,591 2,290 187 191 147 168 139 152 Amount 1,282,800 1,255,483 1,359,945 104,357 121,702 76,263 98,947 80,252 86,227 No. of Cheques Cleared 65,383 61,926 65,791 7,525 6,228 4,890 5,693 5,572 5,182 Amount 25,367,283 26,300,736 30,523,268 3,127,863 2,822,228 2,329,595 2,704,353 2,225,862 2,525,455 Source: SBP-BSC field offices 70
46. 3 .37 Electronic Banking Statistics Product / Item 1. E-Banking Infrastructure Real Time Online Branches (RTOB) Automated Teller Machines (ATM) Point of Sale (POS) FY17 Unit FY18 Q2 Q3 Q4 Q1 Q2 No. No. No. 13,926 12,352 52,062 13,899 12,515 52,854 14,150 12,689 54,490 14,285 12,963 49,929 14,610 13,409 52,506 No. No. No. No. No. 1,208,763 17,470,297 6,806,138 359,064 10,357,706 1,247,836 17,542,788 7,727,967 341,075 10,239,238 1,292,136 17,857,561 8,043,044 315,865 9,124,363 1,333,916 18,778,525 8,224,719 248,689 9,201,476 1,374,073 19,847,969 8,385,281 253,144 9,500,938 Thousands Million Rupees 150,978 9,244,328 162,034 9,343,517 177,382 10,418,770 171,760 9,106,969 186,895 11,691,875 Thousands Million Rupees 94,328 1,064,688 102,019 1,178,663 112,348 1,303,623 107,843 1,229,948 115,262 1,351,906 Thousands Million Rupees 88,959 899,844 96,366 1,004,107 106,782 1,133,739 102,562 1,069,713 109,286 1,174,504 Thousands Million Rupees 53 1,211 52 1,207 60 1,770 66 2,099 74 2,135 Thousands Million Rupees 1,248 2,225 1,282 1,971 1,265 3,024 1,288 4,247 1,535 3,001 Thousands Million Rupees 1,626 52,095 1,750 56,219 2,311 70,754 2,153 64,838 2,386 72,778 Thousands Million Rupees 2,434 109,175 2,562 115,032 1,923 94,200 1,766 88,926 1,974 99,356 Thousands Million Rupees 9 138 7 128 8 135 7 125 7 132 Thousands Million Rupees 13,377 62,176 13,925 64,064 14,930 67,904 15,175 65,986 16,433 73,399 Thousands Million Rupees 35,540 7,863,213 37,540 7,814,886 39,438 8,688,384 37,170 7,469,509 41,902 9,875,415 Thousands Million Rupees 7,879 618,531 8,378 653,007 8,748 693,359 7,962 666,169 8,672 738,395 Thousands Million Rupees 16,137 1,625,347 18,039 1,749,533 17,098 1,882,165 17,398 1,735,322 19,542 1,930,609 Thousands Million Rupees 11,525 5,619,335 11,123 5,412,347 13,591 6,112,860 11,809 5,068,018 13,687 7,206,411 Thousands Million Rupees 1,329 25,998 1,374 25,440 3,479 69,018 4,138 73,924 5,001 91,738 Thousands Million Rupees 36 1,069 39 1,195 145 2,758 170 3,360 202 3,770 Thousands Million Rupees 548 446 568 416 1,474 4,628 1,976 2,581 2,322 2,164 Thousands Million Rupees 364 10,000 371 10,795 980 30,308 1,065 33,946 1,335 41,580 Thousands Million Rupees 380 14,483 395 13,034 880 31,324 928 34,037 1,141 44,224 2. Cards Credit Cards Debit Cards Proprietary ATMs only Cards Pre-Paid Cards Social Welfare Cards 4. E-Banking Financial Transactions Number of Transactions Amount 4.1 ATM Transactions Number of Transactions Amount i. Cash Withdrawal Number of Transactions Amount ii. Cash Deposit Number of Transactions Amount iv. Utility Bills Payment Number of Transactions Amount v. Intra Bank Fund Transfers Number of Transactions Amount vi. Inter Bank Fund Transfers (IBFT) Number of Transactions Amount vi. Others Number of Transactions Amount 4.2 POS Transactions Number of Transactions Amount 4.3 RTOB Transactions Number of Transactions Amount i. Real Time Cash Withdrawals Number of Transactions Amount ii. Real Time Cash Deposits Number of Transactions Amount iii. Real Time Intra Bank Fund Transfers Number of Transactions Amount 4.4 Mobile Phone Banking Transactions Number of Transactions Amount i. Payment Through Mobile Number of Transactions Amount ii. Utility Bills Payment Number of Transactions Amount iii. Intra Bank Fund Transfers Number of Transactions Amount vi. Inter Bank Fund Transfers (IBFT) Number of Transactions Amount 71
47. 3 .37 Electronic Banking Statistics Product / Item FY17 Unit 4.5 Call Centre Banking Transactions Number of Transactions Amount FY18 Q2 Q3 Q4 Q1 Q2 Thousands Million Rupees 63 1,727 67 2,092 79 2,305 80 2,310 77 2,272 Thousands Million Rupees 34 1,422 50 1,941 44 1,811 45 1,793 48 1,922 Thousands Million Rupees 27 220 15 73 27 240 28 301 21 110 Thousands Million Rupees 1 46 1 44 6 222 6 197 8 228 Thousands Million Rupees 1 39 1 35 1 32 1 19 .. 12 Thousands Million Rupees 6,076 224,484 6,771 255,947 6,697 284,379 6,528 260,538 7,380 292,722 Thousands Million Rupees 523 92,483 529 95,631 563 102,218 557 105,393 600 106,709 Thousands Million Rupees 2,238 3,739 2,464 3,640 2,102 6,755 2,315 6,766 2,573 6,237 Thousands Million Rupees 1,616 60,912 1,800 72,274 1,698 73,684 1,619 59,207 1,842 74,665 Thousands Million Rupees 1,699 67,350 1,978 84,402 2,334 101,721 2,037 89,172 2,365 105,111 Thousands Million Rupees 264 2,041 338 2,424 412 3,158 827 4,754 840 4,421 i. Payment Through Call Centre Number of Transactions Amount ii. Utility Bills Payment Number of Transactions Amount iii. Intra Bank Fund Transfers Number of Transactions Amount vi. Inter Bank Fund Transfers (IBFT) Number of Transactions Amount 4.6 Internet Banking Transactions Number of Transactions Amount i. Payment Through Internet Number of Transactions Amount ii. Utility Bills Payment Number of Transactions Amount iii. Intra Bank Fund Transfers Number of Transactions Amount vi. Inter Bank Fund Transfers (IBFT) Number of Transactions Amount 4.7 e-Commerce Number of Transactions Amount Source: Payment System Department SBP Note: The format of Electronic Banking Statistics data has revised from Q1 FY17 3.38 Real Time Gross Settlement Systems and Paper Based Transactions (Volume in Actual & Value in Billion Rupees) FY18 FY17 Items Q4 Q2 Volume Value Q3 Volume Value Volume Value Q1 Volume Value Q2 Volume Value 14,535 36,839 16,485 46,748 16,858 60,908 15,644 62,863 16,107 69,054 Inter Bank Fund Transfers 234,657 17,950 221,700 19,851 329,411 20,414 320,821 21,749 386,731 21,028 Retails Cheques Clearing 15,437 3,308 15,610 3,182 15,366 4,057 14,680 3,469 15,508 3,544 264,629 58,098 253,795 69,781 361,635 85,379 351,145 88,080 418,346 93,625 Securities Transactions Total :- Paper Based Transactions (Volume in Million & Value in Billion Rupees) Cash Deposits 26 2,893 26 2,841 25 2,900 25 2,975 27 Cash withdrawals 40 3,418 33 2,967 42 3,715 37 3,325 39 3,740 Intra Bank Funds Transfer through Cheques 12 14,476 13 14,319 16 16,684 13 14,698 14 17,914 Inter Bank Funds Transfers (Clearing) 12 5,956 13 6,435 13 7,065 12 6,396 13 10,290 Utilities Bills Payments 18 116 19 103 19 124 28 146 20 128 Direct Debit (Standing Instructions) 1 4,630 1 4,769 1 6,365 1 6,758 1 1,318 Pay Order/Demand Draft 3 1,820 3 1,973 3 2,621 3 2,067 4 2,723 Others* .. 491 .. 497 .. 992 . 1,017 .. 1,078 Total:- 113 33,801 108 33,905 119 40,466 119 37,382 118 40,276 * Includes Telegraphic Transfers, Money Transfers, Dividend Warrants, and Coupon Payments etc. Note: The format of RTGS & Paper based Transactions data has revised from Q1 FY17 72 3,085 Source: Payment System Department SBP
48. 3 .39 Segment and Sector-wise Advances and Non Performing Loans (NPLs) (Amount in millions) Ratio in percent 2017 Q1 SEGMENT Advances Corporate Sector NPLs Q2 Infection Ratio Advances NPLs Q3 Infection Ratio Advances Q4 Infection Ratio NPLs Advances Infection Ratio NPLs 4,209,440 434,788 10.3 4,479,094 429,961 9.6 4,492,789 430,557 SMEs Sector 374,802 81,986 21.9 388,482 79,609 20.5 376,898 78,713 20.9 452,415 76,680 16.9 Agriculture Sector 289,629 35,452 12.2 296,989 53,205 17.9 307,459 48,699 15.8 316,169 38,386 12.1 Consumer sector 387,426 29,724 7.7 409,712 29,883 7.3 429,298 30,271 7.1 448,465 27,846 6.2 i. Credit Cards 9.6 4,829,625 425,369 8.8 28,606 2,336 8.2 30,077 2,329 7.7 33,629 2,351 7.0 34,248 2,307 6.7 ii. Auto loans 137,381 2,440 1.8 150,313 2,635 1.8 159,838 2,710 1.7 169,476 2,673 1.6 iii. Consumer durable 415.128 67.986 16.4 478.705 71.895 15.0 609 73 12.1 652 66 10.1 65,093 10,836 16.6 70,855 11,290 15.9 75,470 10,790 14.3 79,979 10,634 13.3 155,932 14,045 9.0 157,988 13,557 8.6 159,752 14,346 9.0 164,109 12,166 7.4 Commodity Financing 579,323 4,242 0.7 771,114 4,800 0.6 722,076 6,184 0.9 735,365 5,911 0.8 Staff Loans 107,166 1,460 1.4 110,281 1,462 1.3 112,666 1,802 1.6 115,449 1,779 1.5 Others 173,072 16,118 9.3 177,855 15,896 8.9 174,409 15,586 8.9 131,961 16,576 12.6 6,120,858 603,771 9.9 6,633,527 614,816 9.3 6,615,596 611,813 9.2 7,029,449 592,547 8.4 iv. Mortgage loans v. Other personal loans Total 2017 Q1 SECTOR Advances NPLs Q2 Infection Ratio Advances NPLs Q3 Infection Ratio Advances Q4 Infection Ratio NPLs Advances Infection Ratio NPLs Agribusiness 476,019 41,045 8.6 592,496 56,330 9.5 607,332 51,828 8.5 623,438 41,387 6.6 Automobile / Transportation 105,531 12,587 11.9 98,122 12,518 12.8 99,843 12,260 12.3 108,707 12,027 11.1 73,252 6,694 9.1 87,601 6,620 7.6 85,552 6,610 7.7 109,561 6,472 5.9 236,823 12,471 5.3 273,440 13,173 4.8 271,800 13,195 4.9 236,955 12,864 5.4 Cement Chemical & Pharmaceuticals Electronics 82,994 13,114 15.8 81,809 12,755 15.6 91,179 13,748 15.1 97,804 12,503 12.8 Financial 195,663 10,346 5.3 208,486 9,521 4.6 206,725 10,410 5.0 172,695 8,782 5.1 Individuals 551,533 57,537 10.4 589,900 56,069 9.5 609,144 57,010 9.4 618,877 54,734 8.8 2,731 0.829 .. 4,554 0.829 .. 4,584 1 .. 5,934 1 .. 2,326,607 206,141 8.9 2,595,288 203,801 7.9 2,587,821 205,237 7.9 2,748,079 206,879 7.5 918,636 32,305 3.5 971,125 36,789 3.8 943,568 34,012 3.6 1,043,522 33,589 3.2 Insurance Others Production/Transmission of Energy Shoes & Leather garments 25,028 3,673 14.7 26,030 3,596 13.8 25,782 4,277 16.6 28,364 5,307 18.7 Sugar 275,636 15,288 5.5 258,219 15,743 6.1 227,259 16,305 7.2 245,590 14,490 5.9 Textile 850,406 192,570 22.6 846,457 187,899 22.2 855,008 186,920 21.9 989,922 183,511 18.5 6,120,858 603,771 9.9 6,633,527 614,816 9.3 6,615,596 611,813 9.2 7,029,449 592,547 8.4 Total Source: Financial Stability Department SBP 73
49. 3 .40 Non-Performing Loans (Domestic and Overseas Operations) ( Million Rupees) Banks / DFIs 30-06-2017* NPLs 30-09-2017* Net NPLs Net NPLs to NPLs Net NPLs Net NPLs to Net Loans Net Loans (%) (%) All Banks & DFIs 6 30,477 104,082 1.68 6 27,675 94,849 1.54 All Banks 6 14,816 100,111 1.64 6 11,813 89,926 1.48 5 62,479 66,948 1.12 5 68,852 67,426 1.13 Public Sector Commercial Banks 1 87,586 28,470 2.49 1 92,650 31,763 2.84 Local Private Banks 3 71,956 38,488 0.80 373,275 35,671 0.74 2 ,937 (10) (0.03) 2 ,926 (8) (0.02) 5 2,337 33,163 21.91 42,961 22,500 14.86 1 5,661 3,971 5.33 15,862 4,922 6.73 Commercial Banks Foreign Banks Specialized Banks DFIs Cash Recovery against Non Performing Loans ( Million Rupees) Banks / DFIs For the Quarter For the Quarter ended Jun 2017* ended Sep 2017* All Banks & DFIs 34,705 18,951 All Banks 33,848 18,170 14,881 12,717 Commercial Banks Public Sector Commercial Banks 5,455 1,642 Local Private Banks 9,416 11,064 11 11 18,966 5,453 857 781 Foreign Banks Specialized Banks DFIs * Based on audited data submitted by the banks and DFIs. Source: Financial Stability Department SBP . “The data has been compiled as per revised methodology according to which unrealized mark- up does not become part of NPLs as it is kept in memorandum account. Besides, coverage of data has been enhanced by including overseas NPLs of Pakistan Banks having overseas branches in the total NPLs. Rescheduled and restructured NPLs are not excluded from the total NPLs unless they have become regular by meeting the criterion of one-year satisfactory performance. This condition however, will not apply in case the borrower has repaid or adjusted in cash at least 50% of the total restructured loan amount (principal + mark- up) either at the time of restructuring agreement or later on during the grace period if any. The cash recovery position represents recovery made against principal amount of domestic plus overseas NPLs.” 74