Pakistan: Banking System Statistical Bulletin - February 2021

Transcription

1. 3 .1 Scheduled Banks' Liabilities and Assets LIABILITIES/ASSETS 2017 2018 2019 (Million Rupees) 2020 Jun Dec Jun Dec Jun Dec Jun Capital 657,627.1 517,287.1 519,408.6 540,526.2 541,948.5 552,407.1 556,833.4 Reserves 639,464.0 756,858.3 773,881.7 823,318.0 901,333.2 974,830.3 1,041,556.0 9,287,203.6 9,455,082.3 10,291,661.5 10,769,866.5 11,249,350.9 11,666,302.4 13,375,081.0 137,339.5 139,141.6 135,519.5 321,407.5 45,737.0 181,398.0 337,508.6 (b) Others 9,149,864.2 9,315,940.8 10,156,142.0 10,448,459.0 11,203,613.9 11,484,904.4 13,037,572.4 Time Deposits 2,454,205.7 2,686,656.6 2,508,715.7 2,767,548.0 2,841,449.7 3,208,104.6 3,183,592.9 11,969.3 55,704.4 15,807.8 32,006.7 8,089.1 48,888.9 15,775.5 2,442,236.4 2,630,952.2 2,492,907.9 2,735,541.3 2,833,360.6 3,159,215.7 3,167,817.4 2,598,567.8 2,948,938.7 2,967,655.0 2,753,934.3 2,392,161.7 2,691,068.7 2,776,222.6 1,852,645.3 2,095,843.3 2,025,865.8 1,486,523.2 1,313,474.8 1,567,246.6 1,698,182.8 (b) Banks Abroad 318,209.0 340,117.8 358,304.7 456,353.1 509,322.6 400,208.9 439,991.1 (c) Other Scheduled Banks 427,713.5 512,977.5 583,484.5 811,058.1 557,144.2 718,462.1 619,018.9 12,220.2 5,151.0 19,029.8 Liabilities Demand Deposits (a) Scheduled Banks (a) Scheduled Banks (b) Others Borrowings from (a). State Bank of Pakistan (d) Other Institutions Head Office and Inter-Bank Adjustment Other Liabilities Total Liabilities / Assets 145,795.8 127,658.8 373,123.0 599,983.9 398,395.7 258,851.4 136,706.7 3,743,437.9 5,590,176.9 2,964,905.7 5,627,575.4 2,239,664.2 2,636,283.6 2,792,904.1 19,526,301.9 22,082,658.6 20,399,351.2 23,882,752.3 20,564,304.0 21,987,848.0 23,862,896.7 1,906,202.6 Assets Cash 1,215,145.2 1,258,728.2 1,424,819.5 1,474,534.4 2,028,979.9 1,901,490.7 (a) Notes, Coins and Silver 294,332.1 238,297.8 291,135.3 266,498.9 403,705.5 303,151.2 392,675.3 (b) Balances with State Bank of Pakistan 650,567.5 718,680.5 787,974.3 863,230.2 1,239,068.7 1,133,404.5 1,144,230.2 (c) Balances with Other Scheduled Banks 270,245.6 301,749.8 345,709.9 344,805.3 385,205.6 464,935.0 369,297.2 1,000.0 - - (c) Balances with Other Institution Balances held Abroad 217,541.2 178,730.1 207,590.3 100,843.9 159,553.6 150,610.2 181,774.2 Bills Purchased and Discounted 208,966.9 225,650.5 241,353.6 258,592.3 271,646.2 294,048.1 246,073.0 6,047,133.8 6,451,545.7 7,201,209.9 7,897,077.9 7,906,128.9 8,119,252.0 8,255,678.5 81,194.8 145,084.1 78,394.3 178,206.3 96,617.1 128,332.9 291,008.1 5,965,939.0 6,306,461.6 7,122,815.6 7,718,871.6 7,809,511.8 7,990,919.1 7,964,670.4 Advances to (a) Scheduled Banks (b) Others Investment in Securities and Shares 8,227,773.0 8,605,039.7 8,320,899.2 7,830,932.1 7,833,381.6 8,728,972.0 10,610,435.9 (a) Federal Government Securities 3,374,796.2 2,965,941.9 2,454,521.7 2,034,409.0 2,289,925.0 3,286,756.0 4,079,653.6 (b) Treasury Bills 3,783,600.4 4,588,491.8 4,773,462.6 4,724,514.0 4,413,307.5 4,348,350.5 5,171,021.5 (c) Provincial Governments Securities - - (d) Foreign Securities 236,707.6 257,402.4 161,122.5 149,844.8 149,685.6 121,305.8 83,944.3 (e) Others 832,668.8 793,203.5 931,792.4 922,164.3 980,463.4 972,559.7 1,275,816.6 Bank Premises 295,253.6 329,884.8 312,625.6 367,292.6 397,735.1 457,557.9 486,161.1 Head Office and Inter-Bank Adjustment 999,505.6 378,230.7 100,683.4 164,378.3 20,953.5 145,955.1 34,258.1 Other Assets 2,314,982.6 4,654,848.8 2,590,169.7 5,789,100.8 1,945,925.2 2,189,962.1 2,142,313.1 Contingent Liabilities/Assets as per contra 5,092,265.8 5,470,701.3 8,415,608.8 8,492,174.6 10,502,975.0 11,715,892.9 10,018,714.9 Source: Statistics & Data Warehouse Department, SBP 26
2. 3 .2 Classification of Scheduled Banks' Deposits by Type of Accounts (Amount in million Rupees) 2018 Jun 2019 Dec Jun 2020 Dec Jun END OF PERIOD No. of Accounts Amount No. of Accounts No. of Accounts Amount No. of Accounts 30,027,168 4,423,493.4 30,986,021 4,484,717.6 33,374,011 4,911,677.7 34,925,595 314,925 236,150.6 238,805 207,498.3 471,294 186,544.9 281,671 181,750.2 342,837 228,771.4 18,136 81,058.4 19,205 148,506.8 259,115 193,523.6 34,144 287,044.4 43,841 335,702.8 21,447,424 5,415,439.7 21,272,368 5,607,736.4 17,968,468 5,911,586.9 20,670,395 6,132,676.9 19,935,310 6,987,383.6 1,303,894 2,492,907.9 1,406,904 2,735,541.3 2,061,536 2,833,637.4 1,659,241 3,159,215.7 1,705,183 3,167,817.4 Less Than 6 months 596,113 920,230.9 738,868 1,263,348.6 417,725 1,266,980.0 553,843 1,222,756.9 512,497 1,209,889.3 For 6 months & over but less than 1 year 133,772 398,082.9 119,619 390,067.6 170,504 438,120.7 147,517 476,507.2 165,169 415,982.3 For 1 year & over but less than 2 years 237,926 916,240.1 222,378 807,901.7 410,097 850,262.2 363,733 1,083,987.9 434,109 1,207,964.0 For 2 years & over but less than 3 years 50,097 29,068.3 43,610 26,749.8 92,974 33,757.8 124,424 92,195.1 72,645 44,671.9 For 3 years & over but less than 4 years 62,516 58,851.0 52,718 54,391.3 114,446 79,727.1 62,122 84,140.0 70,242 90,693.8 For 4 years & over but less than 5 years 27,353 9,794.3 26,304 8,498.0 65,533 2,892.4 53,952 10,405.4 66,164 5,968.8 196,117 160,640.5 203,407 184,584.4 790,257 161,897.1 353,650 189,223.0 384,357 192,647.2 53,111,547 12,649,049.9 53,923,303 13,184,000.4 54,134,424 14,036,970.5 57,571,046 14,644,118.8 59,910,511 16,205,389.5 Current Deposits Call Deposits Other Deposits Accounts Saving Deposits FIXED DEPOSITS For 5 years & over All Deposits Amount Note: Accounts in Numbers. No. of Accounts Amount 4,883,431.7 37,883,340 5,485,714.2 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) 2019 CATEGORY OF DEPOSIT HOLDERS 1. FOREIGN CONSTITUENTS 1) Official 2) Business 3) Personal 2. DOMESTIC CONSTITUENTS I. GOVERNMENT A. Federal Government B. Provincial Governments C. Local Bodies II. NON-FINANCIAL PUBLIC SECTOR ENTERPRISES (NFPSE) Agriculture, hunting and forestry Services Utilities Transport, storage and communications Manufacturing Mining and Quarrying Construction Commerce and Trade Others III. NON-BANK FINANCIAL INSTITUTIONS (NBFIs) Mutual Funds and AMCs Insurance & Pension Funds MFIs and DFIs Stock Exchange & Brokerage Houses Modarabas Other NBFIs IV. PRIVATE SECTOR (BUSINESS) A. Agriculture, forestry and fishing 1. Crop and animal production, hunting and related service activities Growing of Wheat, Rice, Sugar Cane & Cotton Growing of tropical, subtropical, pome and stone fruits & vegetables Growing of other fruits, vegetables and crops Raising of livestock and other related activities Other agricultural support activities Hunting, trapping and related service activities 02 - Forestry and logging 03 - Fishing and aquaculture B. Mining and quarrying 05 - Mining of coal and lignite 06 - Extraction of crude petroleum and natural gas 07 - Mining of metal ores 08-Other mining and quarrying 9 - Mining support service activities C. Manufacturing 10 - Manufacture of food products 11 - Manufacture of beverages 12 - Manufacture of tobacco products 13 - Manufacture of textiles Preparation and spinning of textile fibers Weaving of textiles Finishing of textiles Manufacture of knitted and crocheted fabrics Manufacture of made-up textile articles, except apparel Manufacture of carpets and rugs Manufacture of other textiles n.e.c. 14 - Manufacture of wearing apparel 15 - Manufacture of leather and related products Tanning and dressing of leather; dressing and dyeing of fur Manufacture of luggage, handbags and the like, saddlery and harness Manufacture of footwear a. Leather wear b. Rubber and Plastic wear 28 2020 Jun Dec Jun 248,836.4 33,388.5 101,959.5 113,488.4 13,788,134.1 2,037,371.5 1,226,864.2 736,812.1 73,695.2 892,933.7 563.1 64,735.2 319,731.4 159,012.8 156,290.1 103,430.2 4,752.1 32,673.6 51,745.3 446,484.5 151,776.1 89,189.6 12,291.8 22,950.0 3,713.3 166,563.7 3,017,524.5 299,947.1 297,583.3 222,423.0 5,040.0 47,873.4 12,644.8 9,484.7 117.4 1,174.2 1,189.6 119,846.4 13,134.2 92,169.7 4,313.7 10,080.4 148.3 771,911.4 113,971.5 14,115.8 9,061.4 122,294.8 45,580.2 14,755.9 11,621.4 7,346.7 16,607.3 623.4 25,759.8 33,287.6 10,813.5 3,652.3 968.1 6,193.1 5,704.0 489.2 264,107.4 37,165.2 84,208.7 142,733.5 14,380,011.5 2,070,645.2 1,206,225.9 766,111.2 98,308.1 1,034,577.2 660.0 80,109.9 395,283.1 193,044.0 163,511.5 127,530.3 5,140.6 21,709.0 47,588.7 622,569.7 243,172.6 177,198.2 30,894.7 23,592.5 5,830.8 141,880.8 3,034,010.3 208,236.9 205,820.4 135,834.6 7,397.8 37,752.0 11,371.4 13,247.4 217.1 787.3 1,629.2 151,876.9 21,206.2 121,346.1 2,816.5 6,319.3 188.7 830,886.0 126,205.0 20,137.2 6,957.5 127,740.1 38,458.6 14,619.0 11,354.4 9,907.8 18,172.1 1,014.1 34,214.0 28,920.5 12,569.7 3,857.8 1,367.3 7,344.6 6,708.0 636.6 308,067.4 41,942.0 91,340.8 174,784.6 15,897,322.1 2,388,494.4 1,366,085.7 917,846.0 104,562.8 1,106,046.4 983.0 97,817.0 351,386.5 205,642.2 178,853.4 140,206.1 10,840.5 47,137.1 73,180.6 545,107.9 311,225.9 93,316.9 27,900.9 25,245.5 5,681.9 81,736.8 3,363,712.0 212,877.2 209,835.2 130,598.9 7,884.9 40,626.7 14,417.4 16,222.2 85.0 1,716.5 1,325.6 149,134.4 24,655.0 115,025.0 2,315.8 6,993.4 145.1 852,658.7 135,735.5 19,264.4 10,683.8 133,036.5 43,865.4 15,490.3 12,547.3 11,031.6 21,534.6 1,045.9 27,521.4 33,644.8 13,913.1 3,904.8 2,135.6 7,872.7 7,120.8 752.0
4. 3 .3 Classification of Scheduled Banks' Deposits by Category of Deposit Holders (End of Period: Million Rupees) 2019 CATEGORY OF DEPOSIT HOLDERS 16 - Manufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials 17 - Manufacture of paper and paper products 2020 Jun Dec Jun 1,339.6 1,802.2 2,056.4 4,055.7 4,487.3 4,048.0 18 - Printing and reproduction of recorded media 11,399.9 6,584.8 8,856.9 19 - Manufacture of coke and refined petroleum products 85,627.3 67,293.6 76,100.8 20 - Manufacture of chemicals and chemical products 92,235.2 100,197.0 100,850.9 21 - Manufacture of basic pharmaceutical products and pharmaceutical preparations 38,030.9 39,956.6 43,416.4 7,679.4 8,377.9 9,153.1 23 - Manufacture of other non-metallic mineral products 32,076.3 27,713.1 33,516.2 24 - Manufacture of basic metals 21,632.6 23,710.2 25,460.3 4,706.7 6,181.4 7,883.3 26 - Manufacture of computer, electronic and optical products 12,077.1 12,087.7 14,671.5 27 - Manufacture of electrical equipment 35,922.1 82,110.4 35,573.4 28 - Manufacture of machinery and equipment 12,640.7 14,502.8 13,373.0 29 - Manufacture of motor vehicles, trailers and semi-trailers 48,353.8 43,581.9 65,862.7 30 - Manufacture of other transport equipment 9,758.3 14,355.8 7,368.7 31 - Manufacture of furniture 1,532.8 2,013.8 2,040.1 47,868.2 51,926.6 54,023.7 22 - Manufacture of rubber and plastics products 25. Manufacture of fabricated metal products, except machinery and equipment 32. Other manufacturing 33 - Repair and installation of machinery and equipment D. Electricity, gas, steam and air conditioning supply E. Water supply; sewerage, waste management and remediation activities 998.4 1,912.1 2,117.5 118,368.1 103,646.0 155,024.8 14,623.9 5,519.2 7,204.7 304,255.8 254,889.7 338,530.8 41 - Construction of buildings 163,836.2 126,114.9 154,120.1 42 - Civil engineering 105,678.5 101,823.8 152,984.3 34,741.1 26,951.0 31,426.4 435,580.2 439,763.6 518,256.8 F. Construction 43 - Specialized construction activities G. Wholesale and retail trade; repair of motor vehicles and motorcycles 45 - Wholesale and retail trade and repair of motor vehicles and motorcycles 25,487.7 30,277.0 32,888.7 46 - Wholesale trade, except of motor vehicles and motorcycles 157,231.4 170,756.7 220,059.0 47 - Retail trade, except of motor vehicles and motorcycles 252,861.2 238,729.8 265,309.1 101,968.9 121,438.3 119,851.4 15,678.7 18,845.2 19,262.9 101,896.8 94,044.7 97,743.4 93,748.7 92,533.6 107,770.6 15,276.0 15,594.4 17,649.2 7,529.6 4,258.2 6,625.4 17,743.1 10,973.4 19,487.9 72 - Scientific research and development 5,534.1 4,610.4 5,961.5 73 - Advertising and market research 5,594.4 6,479.2 6,939.6 41,645.8 49,990.8 50,155.8 H. Transportation and storage I. Accommodation and food service activities K. Real estate activities L. Professional, scientific and technical activities 69 - Legal and accounting activities 70 - Activities of head offices; management consultancy activities 71 - Architectural and engineering activities; technical testing and analysis 74 - Other professional, scientific and technical activities 75 - Veterinary activities 425.5 627.2 951.0 136,393.3 106,279.9 91,246.8 1,396.7 1,786.5 1,789.7 249.6 388.3 387.2 15,641.0 12,437.8 12,464.6 2,871.3 2,681.5 3,177.5 836.8 1,894.8 1,803.3 115,397.9 87,091.1 71,624.5 N. Education 81,108.4 87,501.2 81,726.5 O. Human health and social work activities 53,850.6 46,154.9 49,666.9 570.9 1,089.5 1,256.2 275,686.6 346,427.5 436,850.7 M. Administrative and support service activities 77 - Rental and leasing activities 78 - Employment activities 79 - Travel agency, tour operator, reservation service and related activities 80 - Security and investigation activities 81. Services to buildings and landscape activities 82 - Office administrative, office support and other business support activities P. Arts, entertainment and recreation Q. Other service activities V. TRUST FUNDS AND NON PROFIT ORGANIZATIONS VI. PERSONAL VII. OTHER TOTAL 408,707.2 382,135.2 398,842.8 6,914,964.4 7,208,121.3 8,064,407.1 70,148.3 27,952.5 30,711.3 14,036,970.5 14,644,118.8 16,205,389.5 Source: Statistics & Data Warehouse Department, SBP 29
5. 3 .4 Classification of Scheduled Banks' Deposits by Category of Deposit Holder & Size of Account As on 30th Jun, 2020 (Million Rupees) DOMESTIC CONSTITUENTS SIZE OF ACCOUNTS FOREIGN CONSTITUENTS Government 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 3,765 6.8 262,763 285.9 19,518 31.4 1,327 1.5 2,525,466 4,974.2 5,000 to 10,000 1,866 13.6 91,040 686.9 7,989 49.4 775 5.2 434,771 3,069.3 10,000 to 20,000 11,957 180.1 72,038 1,073.2 1,540 27.1 1,034 15.4 489,948 7,094.8 20,000 to 25,000 888 19.7 23,197 516.6 122 2.7 2,537 61.0 189,216 4,261.4 25,000 to 30,000 837 22.7 39,724 1,097.6 435 11.4 916 25.6 204,728 5,596.0 30,000 to 40,000 1,762 60.7 44,813 1,567.5 183 6.6 243 8.3 345,980 12,043.1 40,000 to 50,000 998 44.9 29,541 1,336.1 106 4.8 265 11.9 377,010 16,982.9 50,000 to 60,000 1,570 84.1 26,465 1,427.3 347 20.3 3,227 165.6 284,686 15,635.0 60,000 to 70,000 1,095 70.9 14,319 929.1 108 7.0 1,001 63.8 257,735 16,809.5 70,000 to 80,000 990 73.7 15,539 1,151.3 58 4.4 321 23.2 218,800 16,376.0 80,000 to 90,000 1,004 85.1 13,101 1,101.5 55 4.7 106 8.9 204,166 17,389.3 90,000 to 100,000 1,105 105.2 8,022 755.6 45 4.2 268 25.2 170,318 16,248.6 to 200,000 11,244 1,666.7 54,158 7,588.8 8,011 849.3 3,709 597.1 1,024,740 145,568.0 200,000 to 300,000 10,901 2,660.8 25,796 6,149.8 291 71.0 537 131.2 438,909 106,282.0 300,000 to 400,000 7,523 2,595.1 19,127 6,409.9 418 134.9 348 123.7 234,549 80,909.6 400,000 to 500,000 7,391 3,321.2 8,918 3,995.0 159 71.2 1,895 877.2 130,586 58,617.7 500,000 to 600,000 6,813 3,700.0 6,160 3,363.9 134 74.1 433 242.3 109,411 59,693.6 600,000 to 700,000 5,833 3,789.0 12,270 7,777.7 119 77.6 206 134.2 73,498 47,673.7 700,000 to 800,000 4,540 3,399.4 5,277 3,973.5 339 258.3 174 129.7 55,727 41,588.7 800,000 to 900,000 4,826 4,109.0 3,640 3,107.3 164 141.8 119 101.3 45,160 38,252.0 900,000 to 1,000,000 3,239 3,073.6 3,085 2,928.3 64 60.5 465 438.6 42,545 40,436.4 1,000,000 to 2,000,000 20,633 28,953.8 19,116 27,889.1 1,779 2,314.3 1,513 2,034.2 171,961 235,285.2 2,000,000 to 3,000,000 9,822 23,708.7 7,126 17,598.2 566 1,408.8 560 1,342.1 56,858 137,918.2 3,000,000 to 4,000,000 4,754 16,363.4 4,843 16,675.6 413 1,448.3 539 1,832.3 25,411 87,174.3 4,000,000 to 5,000,000 2,439 10,875.0 2,830 12,546.0 316 1,385.4 342 1,523.4 16,441 73,150.8 5,000,000 to 6,000,000 1,598 8,630.0 2,529 13,758.4 977 5,137.1 216 1,165.5 11,536 62,528.6 6,000,000 to 7,000,000 1,062 6,906.6 1,891 12,242.7 106 689.9 206 1,320.3 6,850 44,372.0 7,000,000 to 8,000,000 1,160 8,708.2 1,419 10,550.0 186 1,365.5 202 1,495.7 4,872 36,485.1 8,000,000 to 9,000,000 761 6,441.3 2,019 17,049.1 135 1,135.7 193 1,641.4 3,592 30,547.8 9,000,000 587 5,542.2 1,615 15,109.5 119 1,129.9 228 2,185.6 3,055 28,955.9 3,882 162,856.3 19,723 2,187,853.3 3,492 1,088,119.0 3,020 527,376.3 28,266 1,871,792.6 136,845 308,067.4 842,104 2,388,494.4 48,294 1,106,046.4 26,925 545,107.9 8,186,791 3,363,712.0 Less than 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 30th Jun, 2020 (Million Rupees) DOMESTIC CONSTITUENTS SIZE OF ACCOUNTS 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 19,937 47.6 5,478,667 7,020.1 39,192 59.1 8,346,870 12,419.7 8,350,635 12,426.5 5,000 to 10,000 9,822 66.0 1,035,971 7,905.1 13,361 93.2 1,593,729 11,875.2 1,595,595 11,888.7 10,000 to 20,000 17,975 257.7 2,152,518 32,783.5 20,179 269.5 2,755,232 41,521.2 2,767,189 41,701.3 20,000 to 25,000 6,429 136.8 1,233,725 27,845.0 12,677 279.2 1,467,903 33,102.7 1,468,791 33,122.4 25,000 to 30,000 10,718 311.0 1,403,189 38,462.0 4,060 110.5 1,663,770 45,614.1 1,664,607 45,636.8 30,000 to 40,000 12,658 443.2 2,724,768 95,451.7 4,743 159.0 3,133,388 109,679.5 3,135,150 109,740.1 40,000 to 50,000 8,195 359.2 3,235,026 146,206.2 18,424 808.3 3,668,567 165,709.4 3,669,565 165,754.3 50,000 to 60,000 8,431 475.7 3,060,814 168,123.1 11,809 634.4 3,395,779 186,481.4 3,397,349 186,565.4 60,000 to 70,000 2,863 180.3 2,945,334 191,228.8 11,509 737.0 3,232,869 209,955.4 3,233,964 210,026.4 70,000 to 80,000 3,310 250.7 2,818,817 211,325.0 6,914 511.3 3,063,759 229,641.9 3,064,749 229,715.7 80,000 to 90,000 744 61.9 2,345,726 199,038.8 4,024 339.0 2,567,922 217,944.1 2,568,926 218,029.2 90,000 to 100,000 Less than 17,511 1,659.7 2,137,692 202,780.7 3,975 378.6 2,337,831 221,852.7 2,338,936 221,957.8 to 200,000 23,205 3,366.6 11,502,526 1,614,340.4 37,289 5,451.9 12,653,638 1,777,762.2 12,664,882 1,779,428.9 200,000 to 300,000 16,887 3,807.3 3,791,669 915,501.5 10,102 2,349.3 4,284,191 1,034,292.1 4,295,092 1,036,952.9 300,000 to 400,000 8,024 2,803.1 1,637,142 563,141.6 3,950 1,324.9 1,903,558 654,847.6 1,911,081 657,442.6 400,000 to 500,000 10,243 4,529.0 808,354 360,332.5 596 260.7 960,751 428,683.2 968,142 432,004.4 500,000 to 600,000 2,505 1,366.8 447,646 244,040.9 796 417.8 567,085 309,199.4 573,898 312,899.4 600,000 to 700,000 3,146 2,050.3 285,269 183,859.6 505 332.7 375,013 241,905.8 380,846 245,694.7 700,000 to 800,000 2,819 2,072.6 194,946 145,758.2 1,864 1,404.1 261,146 195,185.0 265,686 198,584.4 100,000 800,000 to 900,000 1,425 1,188.5 146,039 123,532.6 236 196.8 196,783 166,520.3 201,609 170,629.3 900,000 to 1,000,000 1,506 1,426.6 111,112 104,851.4 606 554.0 159,383 150,695.9 162,622 153,769.5 1,000,000 to 2,000,000 4,978 6,926.5 465,467 642,239.4 1,011 1,344.5 665,825 918,033.2 686,458 946,987.0 2,000,000 to 3,000,000 2,044 4,997.2 134,962 324,495.6 250 593.5 202,366 488,353.5 212,188 512,062.2 3,000,000 to 4,000,000 1,557 5,368.9 52,447 180,199.1 149 495.7 85,359 293,194.1 90,113 309,557.5 4,000,000 to 5,000,000 916 4,081.7 26,433 117,384.1 81 359.8 47,359 210,431.1 49,798 221,306.1 5,000,000 to 6,000,000 868 4,650.5 22,065 117,743.8 30 162.5 38,221 205,146.4 39,819 213,776.4 6,000,000 to 7,000,000 505 3,256.1 11,923 75,813.5 18 120.3 21,499 137,814.6 22,561 144,721.2 7,000,000 to 8,000,000 441 3,277.5 6,676 49,567.6 11 83.9 13,807 102,825.2 14,967 111,533.4 8,000,000 to 9,000,000 360 3,036.5 6,151 52,034.4 47 402.1 12,497 105,847.0 13,258 112,288.3 9,000,000 365 3,455.4 3,812 35,985.0 49 481.2 9,243 87,302.3 9,830 92,844.5 over 5,132 332,931.9 28,469 885,416.1 221 9,996.7 88,323 6,903,485.9 92,205 7,066,342.2 TOTAL 205,519 398,842.8 50,255,355 8,064,407.1 208,678 30,711.3 59,773,666 15,897,322.1 to 10,000,000 10,000,000 and 59,910,511 16,205,389.5 Source: Statistics & Data Warehouse Department, SBP 31
7. 3 .5 Province/Region and Categories of Deposit Holders* (Billion Rupees) Category Jun-2019 Rural Urban Total Rural 248.84 2,037.37 892.93 446.48 3,017.52 408.71 6,914.96 70.15 14,036.97 Rural Dec-2019 Urban Overall Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 7.03 241.81 122.19 1,915.18 67.91 825.02 11.33 435.15 270.30 2,747.22 9.20 399.51 1,133.90 5,781.07 32.82 37.33 1,654.67 12,382.30 10.55 68.34 7.15 11.19 268.12 9.02 1,161.97 9.59 1,545.92 253.55 2,002.30 1,027.43 611.38 2,765.89 373.11 6,046.16 18.37 13,098.20 Punjab Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 4.60 14.75 8.75 1.83 198.94 4.09 653.26 5.14 891.35 59.27 841.45 266.98 41.61 1,122.47 122.43 2,843.97 3.56 5,301.73 63.86 856.19 275.73 43.44 1,321.41 126.52 3,497.23 8.70 6,193.08 6.63 14.94 3.99 0.51 162.07 4.46 644.42 0.60 837.63 Sindh Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 1.10 28.55 55.89 5.26 25.03 2.53 105.89 0.44 224.69 108.78 306.78 353.90 368.43 1,101.64 177.40 1,813.19 2.72 4,232.85 109.88 335.33 409.79 373.69 1,126.67 179.94 1,919.08 3.15 4,457.54 Khyber Pakhtunkhwa Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.55 26.85 0.05 3.22 26.13 1.86 193.75 1.23 253.64 4.34 237.09 15.40 3.04 112.21 23.37 416.71 13.79 825.95 Balochistan Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total .. 37.75 2.76 6.07 0.26 21.24 25.74 93.82 Islamabad Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total FATA Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total Provinces/Regions Rural Jun-2020 Urban 264.11 2,070.65 1,034.58 622.57 3,034.01 382.14 7,208.12 27.95 14,644.12 10.68 89.26 11.16 3.66 276.72 11.06 1,281.93 5.85 1,690.32 297.39 2,299.23 1,094.89 541.45 3,086.99 387.78 6,782.48 24.86 14,515.07 308.07 2,388.49 1,106.05 545.11 3,363.71 398.84 8,064.41 30.71 16,205.39 76.05 877.90 425.28 60.29 1,182.49 132.37 2,942.27 3.94 5,700.59 82.68 892.84 429.27 60.79 1,344.56 136.84 3,586.70 4.54 6,538.22 8.10 17.98 4.12 0.58 167.16 6.15 715.00 0.65 919.74 92.37 982.59 396.05 52.11 1,273.66 140.68 3,315.18 4.45 6,257.09 100.47 1,000.57 400.17 52.69 1,440.82 146.83 4,030.18 5.10 7,176.83 0.42 12.30 2.28 1.60 48.68 2.10 103.48 0.04 170.90 122.93 287.34 360.41 523.47 1,093.16 154.01 1,853.87 1.11 4,396.31 123.34 299.64 362.70 525.06 1,141.84 156.11 1,957.36 1.15 4,567.21 0.20 11.65 5.15 1.27 50.05 1.46 113.27 0.07 183.11 140.39 290.78 413.89 467.40 1,174.95 163.15 2,084.73 3.84 4,739.13 140.59 302.43 419.03 468.67 1,225.00 164.61 2,198.00 3.91 4,922.24 4.89 263.94 15.45 6.26 138.33 25.23 610.46 15.02 1,079.59 0.83 13.71 0.15 7.92 28.88 1.57 201.46 1.32 255.86 5.81 265.86 17.36 1.18 94.63 7.88 455.31 5.95 853.98 6.64 279.57 17.52 9.11 123.51 9.45 656.77 7.27 1,109.83 1.07 25.18 0.91 0.04 30.98 1.66 214.94 1.03 275.82 8.13 324.66 27.00 2.51 116.49 11.26 506.86 9.32 1,006.24 9.20 349.84 27.91 2.55 147.47 12.92 721.80 10.35 1,282.06 0.38 52.47 5.16 0.23 47.11 4.04 115.26 0.43 225.08 0.38 90.22 7.91 0.23 53.17 4.30 136.50 26.18 318.89 .. 13.67 0.24 .. 6.94 0.14 36.01 7.26 64.27 0.48 78.09 6.34 0.16 44.87 3.92 129.65 0.68 264.19 0.48 91.76 6.58 0.16 51.82 4.05 165.66 7.95 328.46 0.01 17.67 0.31 .. 11.13 0.36 42.30 3.65 75.43 0.50 102.96 12.31 0.10 53.59 4.26 139.69 0.83 314.25 0.51 120.63 12.62 0.10 64.72 4.62 181.99 4.48 389.68 0.07 5.59 0.01 2.75 0.25 18.57 0.05 27.29 67.37 452.48 182.06 16.37 324.09 70.48 443.11 15.58 1,571.54 67.44 458.08 182.06 16.38 326.84 70.73 461.67 15.63 1,598.84 0.10 4.91 0.07 0.01 2.70 0.47 16.16 0.17 24.60 45.62 463.51 216.15 21.35 319.38 73.24 484.18 5.86 1,629.29 45.72 468.42 216.22 21.36 322.08 73.72 500.35 6.03 1,653.89 0.11 7.27 .. .. 2.96 0.29 17.79 0.18 28.59 52.35 548.13 244.17 13.07 438.18 66.25 532.38 6.02 1,900.56 52.46 555.40 244.17 13.07 441.14 66.54 550.17 6.20 1,929.15 0.02 1.42 0.14 .. 2.76 0.01 15.03 0.22 19.59 .. 1.85 .. 0.01 1.54 0.05 4.81 0.89 9.16 0.02 3.27 0.14 0.01 4.30 0.06 19.84 1.11 28.75 0.04 2.31 0.22 .. 2.86 0.01 17.65 0.17 23.25 .. 2.90 0.01 0.04 1.63 0.07 8.99 0.28 13.93 0.05 5.21 0.23 0.04 4.49 0.08 26.64 0.45 37.18 0.04 3.02 0.21 .. 3.44 0.01 18.69 0.25 25.67 0.01 3.13 0.07 0.03 1.78 0.13 10.32 0.23 15.69 0.05 6.15 0.28 0.03 5.22 0.14 29.01 0.48 41.36 * End Position. 32 Total Total
8. 3 .5 Province/Region and Categories of Deposits Holders* (Billion Rupees) Jun-2019 Provinces/Regions Gilgit-Baltistan Category Jun-2020 Rural Urban Total Rural Urban Foreign 0.01 0.02 0.03 1.62 Govt. 5.40 4.53 9.93 5.33 NFPSEs NBFCs & Fin Aux. 0.04 0.35 0.38 0.86 2.92 Private Sector 1.39 Trust Fund 0.10 Personal 6.32 Others Total AJK Dec-2019 Total Rural Urban Total 0.05 1.66 0.01 0.10 0.11 8.41 13.74 5.36 25.37 30.73 0.05 0.18 0.23 0.11 0.08 0.20 3.78 0.98 2.89 3.87 1.55 3.35 4.89 17.74 19.13 1.62 5.43 7.05 2.19 5.23 7.42 0.34 0.44 0.09 0.47 0.56 0.10 0.57 0.67 13.64 19.96 9.63 19.99 29.63 10.66 22.09 32.75 - 0.03 0.03 - 0.06 0.06 - 0.06 0.06 14.12 39.56 53.68 19.31 37.48 56.79 19.98 56.85 76.84 Foreign 0.68 1.64 2.32 0.92 2.62 3.53 1.12 3.54 4.67 Govt. 1.89 18.53 20.41 1.19 18.29 19.47 1.14 21.61 22.75 NFPSEs NBFCs & Fin Aux. Private Sector 0.29 1.18 1.47 0.13 1.70 1.83 0.34 1.32 1.66 Trust Fund Personal Others Total 0.15 2.55 2.69 0.17 2.00 2.17 0.22 2.88 3.10 7.23 20.44 27.67 14.35 24.32 38.67 8.80 23.11 31.92 0.10 1.40 1.49 0.18 1.15 1.33 1.03 1.48 2.50 119.84 130.38 250.22 133.14 151.89 285.03 149.28 171.22 320.51 .. 0.32 0.32 0.03 0.48 0.51 0.02 0.11 0.13 130.17 176.43 306.61 150.10 202.44 352.54 161.96 225.26 387.22 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 Accounts ( End of Period : Million Rupees ) SIZE OF ACCOUNTS 2018 (Rs.) Jun Dec No of Accounts Less than 2019 Jun No of Amount Accounts 2020 Dec No of Jun No of No of Amount Accounts Amount Accounts Amount Accounts Amount 5,000 3,085,922 5,880.2 3,141,444 7,031.3 5,148,719 10,273.7 5,950,352 14,744.7 8,350,635 12,426.5 5,000 to 10,000 2,326,264 17,020.8 2,318,227 17,234.6 1,980,812 14,474.8 1,523,803 11,381.9 1,595,595 11,888.7 10,000 to 20,000 3,892,151 57,617.3 3,742,180 55,904.2 2,770,636 41,736.2 3,380,173 51,612.4 2,767,189 41,701.3 20,000 to 25,000 1,744,337 39,224.9 1,802,575 40,939.3 1,395,248 31,305.5 1,639,634 36,918.7 1,468,791 33,122.4 25,000 to 30,000 1,738,719 48,032.5 1,989,041 54,691.4 1,440,488 39,615.7 1,734,693 47,854.5 1,664,607 45,636.8 30,000 to 40,000 3,767,908 131,440.2 3,893,002 135,759.4 3,346,625 117,709.6 3,705,949 130,342.5 3,135,150 109,740.1 40,000 to 50,000 3,603,252 161,699.1 3,461,467 155,188.8 3,596,179 161,545.4 4,078,923 183,156.5 3,669,565 165,754.3 50,000 to 60,000 3,114,608 171,015.4 3,186,029 174,420.0 3,244,404 178,118.8 3,608,220 198,160.6 3,397,349 186,565.4 60,000 to 70,000 2,975,251 193,286.5 3,119,715 202,237.5 3,169,479 205,113.9 3,330,444 216,097.1 3,233,964 210,026.4 70,000 to 80,000 2,678,235 200,739.7 2,540,105 190,568.3 2,722,098 203,856.1 2,873,331 214,981.2 3,064,749 229,715.7 80,000 to 90,000 2,377,672 201,782.9 2,331,925 197,773.1 2,317,139 196,440.2 2,599,650 220,971.9 2,568,926 218,029.2 90,000 to 100,000 2,152,643 204,572.5 2,128,881 201,669.3 2,342,796 222,058.8 2,286,372 216,904.0 2,338,936 221,957.8 100,000 to 200,000 11,650,741 1,626,681.9 11,686,560 1,641,986.6 12,034,935 1,684,979.9 12,224,834 1,710,058.4 12,664,882 1,779,428.9 200,000 to 300,000 3,728,715 900,058.8 3,860,857 933,699.2 3,851,058 928,522.3 3,750,906 907,305.9 4,295,092 1,036,952.9 300,000 to 400,000 1,494,988 513,345.0 1,668,414 574,787.7 1,664,776 573,136.2 1,669,253 575,588.3 1,911,081 657,442.6 400,000 to 500,000 763,756 338,997.7 871,719 387,415.3 800,289 356,055.0 851,818 378,532.8 968,142 432,004.4 500,000 to 600,000 436,296 238,161.9 473,679 258,143.0 469,881 257,128.7 483,519 263,711.6 573,898 312,899.4 600,000 to 700,000 261,462 168,802.5 308,231 199,183.0 303,269 195,687.7 320,378 206,799.3 380,846 245,694.7 700,000 to 800,000 209,934 157,306.1 227,628 169,857.0 190,953 142,793.1 211,923 158,341.8 265,686 198,584.4 800,000 to 900,000 163,705 138,913.1 169,487 143,837.0 163,697 138,814.2 176,690 149,456.1 201,609 170,629.3 900,000 to 1,000,000 113,729 107,607.7 116,530 110,163.7 121,226 115,071.3 133,229 126,303.7 162,622 153,769.5 1,000,000 to 2,000,000 464,580 635,372.1 513,463 699,876.0 590,099 810,096.2 585,482 810,823.7 686,458 946,987.0 2,000,000 to 3,000,000 139,217 335,483.9 145,252 348,596.0 185,231 441,564.6 179,966 435,207.4 212,188 512,062.2 3,000,000 to 4,000,000 59,735 205,012.2 58,884 202,275.3 86,122 294,231.9 73,871 253,023.7 90,113 309,557.5 4,000,000 to 5,000,000 32,974 145,598.2 32,291 143,330.1 37,086 164,704.7 38,082 169,840.3 49,798 221,306.1 5,000,000 to 6,000,000 22,606 122,064.7 23,768 128,309.9 26,901 145,203.1 28,000 151,169.5 39,819 213,776.4 6,000,000 to 7,000,000 14,133 91,607.7 15,112 97,755.7 17,001 109,339.2 15,485 99,998.9 22,561 144,721.2 7,000,000 to 8,000,000 11,503 85,898.6 11,423 85,453.9 13,197 98,229.2 14,395 107,728.6 14,967 111,533.4 8,000,000 to 9,000,000 8,471 71,768.2 8,746 74,113.5 11,107 93,934.6 10,025 84,999.7 13,258 112,288.3 9,000,000 to 10,000,000 7,265 68,758.3 6,699 63,250.2 7,590 71,294.8 7,966 75,341.2 9,830 92,844.5 10,000,000 and over 70,775 5,265,299.3 69,969 5,488,550.2 85,383 5,993,935.1 83,680 6,436,761.9 92,205 7,066,342.2 53,111,547 12,649,049.9 53,923,303 13,184,000.4 54,134,424 14,036,970.5 TOTAL 57,571,046 14,644,118.8 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 59,910,511 16,205,389.5
10. 3 .7 Classification of Scheduled Banks' Advances by Size of Accounts All Banks ( End of Period : Million Rupees) 2018 SIZE OF ACCOUNTS (Rs.) Jun 2019 Dec No. of Jun No. of 2020 Dec No. of Jun No. of No. of Accounts Amount Accounts Amount Accounts Amount Accounts Amount Accounts Amount Less than 10,000 303,063 1,636.1 304,928 824.7 114,671 247.2 110,930 460.3 88,978 317.3 10,000 to 20,000 190,614 2,771.4 123,178 1,989.3 217,694 3,813.9 41,290 541.1 633,830 10,323.4 20,000 to 25,000 30,125 656.6 46,677 1,019.3 7,443 169.6 441,122 8,933.7 57,151 1,289.3 25,000 to 30,000 254,051 7,362.1 156,410 4,485.5 213,305 5,944.6 29,679 816.3 52,590 1,456.6 30,000 to 40,000 192,801 6,352.2 341,816 11,034.3 202,836 6,697.5 234,725 7,621.8 329,095 11,182.5 40,000 to 50,000 188,278 8,250.3 146,616 6,512.5 151,115 6,930.2 259,087 12,013.6 217,215 9,715.5 50,000 to 60,000 86,155 4,635.2 127,408 6,801.6 88,789 4,885.3 134,227 7,487.0 79,937 4,345.4 60,000 to 70,000 55,082 3,593.6 45,741 2,917.7 34,130 2,190.5 53,390 3,436.9 62,212 3,999.4 70,000 to 80,000 30,031 2,247.7 23,909 1,782.9 57,636 4,136.8 82,811 6,067.0 35,089 2,656.1 80,000 to 90,000 138,931 11,783.7 41,060 3,523.0 30,625 2,610.4 28,752 2,468.7 53,632 4,587.3 90,000 to 100,000 51,456 4,861.9 52,539 4,961.4 47,876 4,528.0 53,828 5,148.6 54,851 5,217.7 100,000 to 200,000 590,037 90,462.5 667,056 102,874.0 638,660 93,534.8 765,536 112,356.9 741,386 111,414.6 200,000 to 300,000 396,853 95,066.7 577,697 138,953.5 362,114 87,739.7 456,229 108,252.4 431,787 104,358.7 300,000 to 400,000 171,485 59,881.5 218,399 73,832.3 163,727 55,475.4 165,554 57,299.7 146,335 50,818.3 400,000 to 500,000 91,087 40,721.9 118,516 52,898.1 97,538 43,491.7 148,670 67,085.7 97,311 43,276.4 500,000 to 600,000 69,509 38,740.7 77,507 42,046.1 72,980 40,437.8 81,304 44,494.3 76,257 41,642.9 600,000 to 700,000 93,432 60,988.6 75,733 48,823.1 64,722 42,079.3 82,843 53,599.3 51,664 33,266.8 700,000 to 800,000 50,922 38,154.3 67,639 50,736.9 54,782 40,854.9 60,677 45,385.2 60,719 45,263.4 800,000 to 900,000 32,408 27,517.0 46,598 39,435.4 43,996 37,158.4 42,809 36,359.8 39,153 33,081.9 900,000 to 1,000,000 33,759 32,055.6 35,345 33,625.3 26,053 24,841.7 31,660 30,037.2 39,013 36,850.1 1,000,000 to 2,000,000 115,280 155,669.2 114,198 153,262.9 93,596 125,173.3 114,500 157,976.7 133,829 179,397.1 2,000,000 to 3,000,000 40,204 98,980.6 32,738 81,092.6 30,569 75,026.6 43,020 104,439.6 35,468 86,737.3 3,000,000 to 4,000,000 14,834 51,759.1 16,710 58,384.8 15,055 52,602.5 20,404 69,920.4 17,976 62,602.9 4,000,000 to 5,000,000 11,095 50,345.5 13,389 60,749.7 12,027 54,777.9 12,899 58,321.9 13,642 62,101.1 5,000,000 to 6,000,000 8,196 44,799.2 8,561 46,815.5 8,709 47,133.6 7,956 43,301.5 8,003 43,689.3 6,000,000 to 7,000,000 5,836 37,606.7 6,685 43,490.7 5,719 37,135.1 6,774 44,056.6 5,770 37,256.8 7,000,000 to 8,000,000 4,210 31,508.4 4,828 36,183.0 5,386 40,282.7 4,889 36,622.9 5,398 40,365.3 8,000,000 to 9,000,000 3,924 33,232.3 4,662 39,665.1 4,039 34,266.2 3,826 32,459.9 3,602 30,587.9 9,000,000 to 10,000,000 3,689 35,075.7 3,994 38,306.0 3,923 37,489.0 3,891 37,182.2 3,694 35,345.7 10,000,000 to 100,000,000 32,399 973,585.8 35,499 1,070,853.7 36,236 1,075,505.4 37,021 1,134,052.3 38,439 1,168,195.9 100,000,000 to 500,000,000 6,872 1,469,577.9 7,090 1,503,345.0 7,340 1,580,573.8 7,560 1,616,216.7 7,679 1,648,879.1 500,000,000 and above 1,854 3,602,935.9 2,111 3,957,645.7 2,228 4,141,676.4 2,119 4,046,502.9 2,100 4,014,448.1 3,298,472 7,122,815.6 3,545,237 7,718,871.6 2,915,519 7,809,410.6 3,569,982 7,990,919.1 3,623,805 7,964,670.0 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 2018 SIZE OF ACCOUNTS (Rs.) Jun Dec No. of (End of Period: Million Rupees) 2020 2019 Jun No. of Dec No. of Jun No. of No. of Accounts Amount Accounts Amount Accounts Amount Accounts Amount Accounts Amount Less than 10,000 274,667 1,525.3 276,757 716.2 88,924 162.8 85,483 381.9 58,104 243.7 10,000 to 20,000 181,346 2,629.7 114,882 1,869.8 208,173 3,673.3 32,599 420.0 628,837 10,246.5 20,000 to 25,000 24,907 537.1 42,927 934.2 3,600 81.9 435,369 8,807.5 50,474 1,142.1 25,000 to 30,000 248,519 7,211.3 152,539 4,378.6 210,043 5,858.5 26,538 727.6 45,837 1,264.8 30,000 to 40,000 184,432 6,058.6 331,684 10,682.3 193,228 6,362.6 223,524 7,227.7 320,957 10,897.3 40,000 to 50,000 180,810 7,913.7 140,565 6,240.8 147,072 6,750.5 253,986 11,785.8 212,821 9,515.5 50,000 to 60,000 76,318 4,096.4 119,360 6,364.2 81,665 4,495.8 127,141 7,100.6 75,423 4,101.8 60,000 to 70,000 48,038 3,133.6 37,245 2,365.6 25,387 1,628.0 45,781 2,931.6 58,387 3,753.0 70,000 to 80,000 20,006 1,491.2 16,874 1,254.0 49,743 3,544.3 76,275 5,577.3 29,125 2,207.4 80,000 to 90,000 126,687 10,741.9 29,587 2,535.7 18,986 1,614.1 21,711 1,869.3 45,566 3,900.2 90,000 to 100,000 40,071 3,785.7 42,518 4,014.8 36,225 3,419.0 42,266 4,051.8 44,071 4,190.7 100,000 to 200,000 298,583 44,921.2 370,892 55,956.3 361,478 49,650.0 460,608 64,656.0 448,029 66,560.9 200,000 to 300,000 136,296 32,847.2 325,205 78,903.0 124,653 31,002.2 232,242 54,719.0 215,574 52,329.2 300,000 to 400,000 104,152 37,123.2 145,991 49,126.1 84,916 28,398.0 79,608 27,922.7 74,975 26,494.9 400,000 to 500,000 64,704 29,040.1 97,094 43,450.7 79,460 35,582.0 132,309 59,905.3 77,854 34,715.4 500,000 to 600,000 64,065 35,769.3 72,708 39,427.1 67,112 37,223.2 75,385 41,245.4 67,771 37,012.4 600,000 to 700,000 88,016 57,407.4 70,152 45,161.6 58,368 37,965.3 76,609 49,554.7 47,828 30,832.4 700,000 to 800,000 47,293 35,464.2 64,481 48,410.0 52,019 38,833.0 58,572 43,848.9 59,991 44,720.8 800,000 to 900,000 31,354 26,631.4 45,636 38,627.7 43,373 36,636.7 42,302 35,929.4 38,590 32,602.3 900,000 to 1,000,000 33,472 31,782.4 35,023 33,317.8 25,758 24,562.4 31,285 29,677.0 38,556 36,407.6 1,000,000 to 2,000,000 113,725 153,529.1 112,931 151,499.9 92,485 123,653.0 113,031 156,029.4 132,139 176,960.4 2,000,000 to 3,000,000 39,689 97,690.3 32,253 79,879.2 30,232 74,217.6 42,695 103,646.4 35,110 85,849.3 3,000,000 to 4,000,000 14,566 50,834.8 16,430 57,427.9 14,833 51,847.9 20,174 69,139.5 17,716 61,747.2 4,000,000 to 5,000,000 10,983 49,835.1 13,305 60,373.0 11,937 54,370.6 12,837 58,045.8 13,551 61,708.2 5,000,000 to 6,000,000 8,145 44,519.0 8,478 46,360.2 8,625 46,682.1 7,869 42,832.8 7,994 43,641.3 6,000,000 to 7,000,000 5,797 37,354.5 6,649 43,254.7 5,694 36,973.1 6,738 43,821.3 5,719 36,926.6 7,000,000 to 8,000,000 4,177 31,258.3 4,787 35,875.6 5,352 40,022.3 4,847 36,301.1 5,377 40,207.0 8,000,000 to 9,000,000 3,893 32,969.3 4,633 39,421.0 4,016 34,069.6 3,802 32,254.6 3,586 30,454.3 9,000,000 to 10,000,000 3,667 34,868.6 3,978 38,153.9 3,902 37,287.5 3,877 37,047.9 3,666 35,082.1 10,000,000 to 100,000,000 32,262 970,318.4 35,374 1,067,714.6 36,165 1,073,888.3 36,945 1,132,381.8 38,357 1,166,755.6 100,000,000 to 500,000,000 6,859 1,466,367.0 7,076 1,499,882.2 7,339 1,580,432.2 7,559 1,616,074.5 7,678 1,648,729.4 500,000,000 and above 1,852 3,601,414.7 2,109 3,956,292.5 2,227 4,140,676.4 2,118 4,045,650.9 2,099 4,013,498.1 2,519,351 6,951,070.1 2,780,123 7,549,871.1 2,182,990 7,651,564.1 2,822,085 7,831,565.7 2,911,762 7,814,698.3 TOTAL Source: Statistics & Data Warehouse Department, SBP 36
12. 3 .9 Classification of Scheduled Banks' Advances by Size of Accounts and Borrowers As on 30th Jun, 2020 (Million Rupees) SIZE OF ACCOUNTS (Rs.) (000) Foreign Non-Financial Public Sector Government No. of No. of Amount A/C A/C Private Sector (Business) NBFCs Amount No. of A/C Amount No of A/C Amount No. of A/C Amount Trust Funds and Non-Profit Institutions No. of Amount A/C Personal Others No. of A/C Amount TOTAL No. of Amount A/C No. of A/C Amount 5.2 88,978 317.3 Less than 10 - - - - - - 297 .. 45,833 197.5 - - 40,186 114.5 10 to 20 - - - - - - 1 .. 155,584 2,340.8 - - 478,144 7,981.1 101 1.6 633,830 10,323.4 20 to 25 - - - - - - - - 18,803 417.9 - - 36,162 820.8 2,186 50.6 57,151 1,289.3 25 to 30 - - - - - - - - 27,210 755.5 - - 25,338 699.9 42 1.2 52,590 1,456.6 30, to 40, - - - - - - - - 54,263 1,907.6 - - 274,816 9,274.3 16 0.5 329,095 11,182.5 40 to 50 - - - - - - 1 .. 51,955 2,320.0 1 .. 165,234 7,394.3 24 1.0 217,215 9,715.5 50 to 60 - - - - 1 0.1 - 35,845 1,905.3 - - 44,038 2,437.3 53 2.9 79,937 4,345.4 60 to 70 - - - - 25 1.7 - - 19,251 1,235.5 - - 42,865 2,757.7 71 4.5 62,212 3,999.4 70 to 80 - - - - 1 0.1 - - 12,779 957.4 - - 22,280 1,696.4 29 2.2 35,089 2,656.1 4,587.3 2,662 80 to 90 - - - - 9 0.8 - - 14,216 1,207.5 - - 39,379 3,376.7 28 2.3 53,632 90 to 100 - - - - 2 0.2 - - 22,073 2,100.5 - - 32,775 3,116.9 1 0.1 54,851 5,217.7 100 to 200 - - 1 0.1 49 6.8 9 1.4 419,129 63,344.0 1 0.1 322,123 48,052.7 74 9.5 741,386 111,414.6 200 to 300 - - - 2 0.5 28 6.6 253,260 60,821.8 - - 178,323 43,489.2 174 40.6 431,787 104,358.7 300 to 400 - - 1 0.4 10 3.6 4 1.5 87,986 30,003.4 - - 58,297 20,797.0 37 12.4 146,335 50,818.3 400 to 500 - - - - 3 1.3 46 21.7 35,189 15,787.5 20 8.8 62,015 27,440.6 38 16.3 97,311 43,276.4 500 to 600 - - 1 0.6 42 24.9 1,744 901.6 26,333 14,389.3 11 6.1 48,095 26,304.1 31 16.2 76,257 41,642.9 600 to 700 - - 1 0.7 1 0.6 71 45.8 17,176 11,067.2 8 5.1 34,406 22,146.7 1 0.7 51,664 33,266.8 700 to 800 - - - - - 1 0.8 12,100 9,052.2 - - 48,578 36,179.5 40 30.9 60,719 45,263.4 800 to 900 - - 0.9 - - 7 6.2 10,115 8,570.4 13 10.4 29,001 24,480.7 16 13.4 39,153 33,081.9 1 900 to 1,000 - - 1 1.0 1 0.9 34 32.5 12,431 11,879.0 1 0.9 26,542 24,932.9 3 3.0 39,013 36,850.1 1,000 to 2,000 - - 10 12.1 85 120.7 284 390.4 44,132 60,947.7 13 18.5 89,262 117,841.1 43 66.7 133,829 179,397.1 2,000 to 3,000 - - 2 5.0 - - 83 205.8 15,661 38,244.6 10 27.1 19,697 48,220.3 15 34.4 35,468 86,737.3 3,000 to 4,000 - - 4 15.0 - - 34 110.5 9,876 34,522.6 - - 8,039 27,872.8 23 81.9 17,976 62,602.9 4,000 to 5,000 - - 1 4.2 - - 9 40.1 8,081 36,363.0 2 8.2 5,536 25,625.7 13 60.0 13,642 62,101.1 5,000 to 6,000 - - 2 11.1 5 27.8 8 43.5 5,223 28,466.2 - - 2,759 15,109.1 6 31.6 8,003 43,689.3 6,000 to 7,000 - - 2 12.8 1 6.3 14 92.4 3,953 25,653.8 4 25.8 1,795 11,458.9 1 6.9 5,770 37,256.8 7,000 to 8,000 - - 1 7.2 - - 11 83.3 3,786 28,289.6 4 29.8 1,591 11,917.6 5 37.9 5,398 40,365.3 8,000 to 9,000 - - - - - - 3 25.5 2,799 23,799.5 - - 799 6,754.3 1 8.6 3,602 30,587.9 9,000 to 10,000 - - 2 18.1 - - 8 78.1 2,930 28,076.2 1 10.0 753 7,163.3 - 3,694 35,345.7 10,000 to 100,000 1 78.8 23 1,016.4 322 14,552.3 204 6,832.1 34,677 1,081,493.0 47 1,963.9 3,144 61,877.5 21 381.9 38,439 1,168,195.9 100,000 to 500,000 - - 17 3,787.6 151 43,785.8 122 28,791.8 7,296 1,555,475.3 28 6,433.8 63 9,980.4 2 624.5 7,679 1,648,879.1 500,000 and above 1 1,899.0 103 873,665.8 238 1,101,633.4 65 63,618.1 1,661 1,944,424.3 13 9,380.5 19 19,827.1 - - 2,100 4,014,448.1 TOTAL 2 1,977.8 173 878,558.8 948 1,160,167.8 3,088 177 17,929.1 2,142,054 677,141.4 5,757 101,329.7 1,471,606 5,126,016.0 1,549.5 3,623,805 7,964,670.0 Source: Statistics & Data Warehouse Department, SBP 37
13. 3 .10 Classification of Scheduled Banks' Advances by Borrowers All Banks (End of Period: Million Rupees) 2019 Jun BORROWERS 1. FOREIGN CONSTITUENTS 2. DOMESTIC CONSTITUENTS I. GOVERNMENT A. Federal Government 1) Commodity Operations 2) Others B. Provincial Governments 1) Commodity Operations 2) Others C. Local Bodies II. NON-FINANCIAL PUBLIC SECTOR ENTERPRISES (NFPSE) Agriculture, hunting and forestry Services Utilities Transport, storage and communications Manufacturing Mining and Quarrying Construction Commerce and Trade Others III. NON-BANK FINANCIAL INSTITUTIONS (NBFIs) Mutual Funds and AMCs Insurance & Pension Funds MFIs and DFIs Stock Exchange & Brokerage Houses Modarabas Other NBFIs IV. PRIVATE SECTOR (BUSINESS) A. Agriculture, forestry and fishing 1. Crop and animal production, hunting and related service activities Growing of Wheat, Rice, Sugar Cane & Cotton Growing of tropical, subtropical, pome and stone fruits & vegetables Growing of other fruits, vegetables and crops Raising of livestock and other related activities Other agricultural support activities Hunting, trapping and related service activities 02 - Forestry and logging 03 - Fishing and aquaculture B. Mining and quarrying 05 - Mining of coal and lignite 06 - Extraction of crude petroleum and natural gas 07 - Mining of metal ores 08-Other mining and quarrying 9 - Mining support service activities C. Manufacturing 10 - Manufacture of food products 11 - Manufacture of beverages 12 - Manufacture of tobacco products 13 - Manufacture of textiles Preparation and spinning of textile fibers Weaving of textiles Finishing of textiles Manufacture of knitted and crocheted fabrics Manufacture of made-up textile articles, except apparel Manufacture of carpets and rugs Manufacture of other textiles n.e.c. 14 - Manufacture of wearing apparel 15 - Manufacture of leather and related products Tanning and dressing of leather; dressing and dyeing of fur Manufacture of luggage, handbags and the like, saddlery and harness Manufacture of footwear a. Leather wear b. Rubber and Plastic wear 2020 Dec Commercial Banks Specialized Banks All Banks Jun Commercial Banks Specialized Banks 1,977.8 7,962,692.2 878,558.8 272,175.8 202,141.5 70,034.3 606,383.0 594,991.9 11,391.1 1,160,167.8 498.7 705,340.3 278,801.7 74,375.6 79,677.3 21,474.2 101,329.7 2,154.4 5,356.8 45,153.1 11,356.4 4,170.9 33,138.1 5,126,016.0 279,764.2 278,445.1 119,906.2 1,977.8 7,812,720.6 877,608.8 272,175.8 202,141.5 70,034.3 605,433.0 594,041.9 11,391.1 1,160,167.8 498.7 705,340.3 278,801.7 74,375.6 79,677.3 21,474.2 101,177.5 2,154.4 5,356.8 45,153.1 11,356.4 4,170.9 32,985.9 4,979,788.9 150,814.3 149,536.2 72,831.0 149,971.7 950.0 950.0 950.0 152.2 152.2 146,227.1 128,950.0 128,908.9 47,075.3 20,759.4 23,987.0 4,974.7 19,012.3 1,097.6 52,536.8 14,005.9 5.5 32.0 9.1 0.0 9.0 9,710.7 8,336.5 69.4 46.6 181.8 14.2 74.7 9.8 40.7 12.6 9.6 20.1 197.1 63.2 27.2 7,307.1 89,237.1 38,004.2 3.5 76.5 1,242.6 81,456.0 36,596.0 41,509.5 705.4 2,616.4 28.8 3,187,779.8 752,912.4 27,369.7 851.2 1,042,901.0 410,562.2 198,401.8 195,418.7 30,937.5 117,268.7 3,076.7 87,235.3 124,598.4 30,979.6 6,626.9 6,289.0 39,712.1 25,726.1 3.5 70.7 1,207.3 81,446.9 36,595.9 41,509.5 705.4 2,607.3 28.8 3,177,837.0 744,293.7 27,292.4 806.7 1,042,727.8 410,548.0 198,324.3 195,408.9 30,896.8 117,268.1 3,065.6 87,216.1 124,404.4 30,917.0 6,600.0 1,018.1 49,525.0 12,278.1 5.8 35.3 9.1 0.0 9.0 9,942.8 8,618.7 77.3 44.5 173.2 14.2 77.5 9.8 40.7 0.6 11.1 19.2 194.0 62.6 27.0 All Banks All Banks 438.1 7,808,972.4 802,002.2 268,351.5 231,298.3 37,053.2 533,650.7 523,918.7 9,732.0 1,186,484.9 349.0 673,878.2 279,777.1 58,565.2 104,822.7 69,092.8 103,984.2 2,469.0 4,820.1 42,027.9 9,140.9 5,341.6 40,184.8 5,020,770.9 300,648.2 299,688.2 128,912.0 327.0 7,990,592.1 771,242.8 285,534.3 215,689.7 69,844.6 485,708.5 474,532.3 11,176.2 1,242,553.1 308.9 746,100.5 284,336.7 63,658.1 12,210.0 109,461.0 26,477.9 124,574.9 3,474.6 5,299.0 65,245.4 10,855.5 4,514.1 35,186.2 5,130,954.2 306,016.7 304,583.7 130,642.4 327.0 7,831,238.7 770,390.8 285,534.3 215,689.7 69,844.6 484,856.5 473,680.3 11,176.2 1,242,553.1 308.9 746,100.5 284,336.7 63,658.1 12,210.0 109,461.0 26,477.9 124,385.0 3,474.6 5,299.0 65,245.4 10,855.5 4,514.1 34,996.2 4,975,327.4 167,606.4 166,210.9 80,669.2 159,353.4 852.0 852.0 852.0 189.9 189.9 155,626.8 138,410.3 138,372.8 49,973.2 26,411.0 26,327.0 5,567.6 6,717.2 94,322.8 43,320.3 4.9 134.2 825.7 67,814.9 29,226.5 34,210.4 867.8 3,494.8 15.4 3,014,699.7 775,827.7 28,475.6 1,379.3 877,793.0 342,897.1 178,972.3 161,803.4 22,224.6 92,765.6 2,842.1 76,287.8 108,538.7 31,185.1 9,613.3 8,084.5 97,099.0 42,427.3 3.5 164.3 1,268.6 69,087.5 29,157.2 35,557.0 825.8 3,509.0 38.5 3,142,223.7 746,652.5 28,310.9 1,865.9 992,241.8 388,083.0 187,673.5 189,056.4 29,909.0 108,947.3 2,711.2 85,861.4 109,221.1 31,613.8 7,119.5 6,986.9 44,562.3 28,421.4 3.5 158.8 1,236.7 69,078.5 29,157.2 35,557.0 825.8 3,500.0 38.5 3,132,513.0 738,316.0 28,241.5 1,819.3 992,060.1 388,068.8 187,598.8 189,046.6 29,868.3 108,934.7 2,701.7 85,841.3 109,024.1 31,550.6 7,092.3 1,011.8 1,158.5 1,158.5 - 1,340.6 1,340.6 - 20,559.9 17,065.2 3,494.8 23,335.8 20,218.8 3,117.0 23,299.8 20,183.5 3,116.3 36.0 35.3 0.7 23,012.0 19,700.9 3,311.2 22,976.4 19,665.9 3,310.6 35.6 35.0 0.6 38
14. 3 .10 Classification of Scheduled Banks' Advances by Borrowers All Banks (End of Period: Million Rupees) 2019 Jun BORROWERS All Banks All Banks 2020 Dec Commercial Banks Specialized Banks All Banks Jun Commercial Banks Specialized Banks 16 - Manufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials 17 - Manufacture of paper and paper products 6,110.1 5,070.3 5,050.9 19.3 4,989.8 4,972.0 17.8 51,059.3 42,741.5 42,707.6 34.0 43,197.3 43,164.1 33.2 18 - Printing and reproduction of recorded media 13,032.7 12,841.1 12,780.4 60.6 12,683.5 12,656.1 27.4 19 - Manufacture of coke and refined petroleum products 94,053.9 79,341.1 79,341.1 - 87,118.8 87,118.8 - 20 - Manufacture of chemicals and chemical products 21 - Manufacture of basic pharmaceutical products and pharmaceutical preparations 22 - Manufacture of rubber and plastics products 278,191.9 289,594.9 289,496.7 98.2 265,094.0 264,996.3 97.8 52,250.9 59,954.6 59,919.7 34.9 60,436.1 60,401.2 34.9 47,811.9 48,232.2 48,177.4 54.8 45,604.9 45,554.6 50.3 23 - Manufacture of other non-metallic mineral products 189,649.6 202,478.9 202,438.8 40.1 220,349.0 220,300.2 48.7 24 - Manufacture of basic metals 25. Manufacture of fabricated metal products, except machinery and equipment 26 - Manufacture of computer, electronic and optical products 159,114.2 163,175.6 163,007.7 167.9 172,309.9 172,140.9 169.0 35,476.9 36,431.5 36,412.8 18.7 40,358.8 40,341.4 17.3 11,233.0 8,539.1 8,532.1 6.9 6,546.7 6,538.2 8.5 27 - Manufacture of electrical equipment 124,026.4 117,800.0 117,771.6 28.5 108,912.7 108,881.8 30.9 28 - Manufacture of machinery and equipment 20,251.3 22,211.8 22,199.5 12.3 18,659.9 18,649.3 10.6 29 - Manufacture of motor vehicles, trailers and semi-trailers 53,259.2 91,203.5 91,181.2 22.3 64,169.0 64,156.1 12.9 30 - Manufacture of other transport equipment 12,798.0 10,753.0 10,752.0 1.0 12,606.1 12,605.1 1.0 3,434.0 3,452.8 3,373.2 79.6 3,457.0 3,376.8 80.2 39,327.1 38,099.2 37,962.3 137.0 41,350.6 41,218.6 132.0 420.1 396.5 396.5 - 323.3 323.3 - 482,775.2 502,389.0 502,388.1 0.9 490,261.9 490,261.0 0.9 31 - Manufacture of furniture 32. Other manufacturing 33 - Repair and installation of machinery and equipment D. Electricity, gas, steam and air conditioning supply E. Water supply; sewerage, waste management and remediation activities F. Construction 20,221.2 14,958.5 14,958.4 0.1 15,076.2 15,076.1 0.1 153,170.5 127,089.7 126,783.6 306.1 125,554.2 125,360.6 193.6 41 - Construction of buildings 73,455.3 60,145.3 59,870.8 274.5 62,558.2 62,394.0 164.2 42 - Civil engineering 76,034.3 65,301.8 65,272.2 29.7 61,635.0 61,607.4 27.6 3,680.9 1,642.6 1,640.6 2.0 1,361.0 1,359.2 1.8 461,367.1 424,396.4 420,309.7 4,086.7 413,785.3 409,756.2 4,029.1 22,698.5 26,867.6 26,499.7 367.9 22,172.6 21,799.0 373.6 278,712.1 236,500.0 236,359.4 140.5 234,510.4 234,373.9 136.5 159,956.5 161,028.8 157,450.6 3,578.2 157,102.3 153,583.3 3,519.0 106,693.6 122,782.0 120,299.4 2,482.6 119,375.8 116,849.1 2,526.7 34,262.4 43,512.0 43,353.6 158.4 38,788.3 38,631.5 156.9 132,159.4 137,846.7 137,818.5 28.1 150,910.8 150,882.8 28.1 K. Real estate activities 28,314.6 33,486.1 33,485.2 0.8 30,919.3 30,918.5 0.8 L. Professional, scientific and technical activities 51,012.7 57,758.7 57,707.6 51.2 49,177.9 49,169.1 8.8 M. Administrative and support service activities 71,777.8 61,758.9 61,683.4 75.6 55,775.8 55,694.2 81.5 N. Education 20,675.1 20,149.3 20,014.5 134.8 22,494.6 22,358.7 135.9 O. Human health and social work activities 11,258.3 13,370.1 13,305.7 64.4 14,564.7 14,508.5 56.2 804.4 2,670.1 2,660.4 9.8 2,534.9 2,525.3 9.6 63,116.0 51,458.7 51,361.3 97.4 47,796.3 47,699.1 97.1 43 - Specialized construction activities G. Wholesale and retail trade; repair of motor vehicles and motorcycles 45 - Wholesale and retail trade and repair of motor vehicles and motorcycles 46 - Wholesale trade, except of motor vehicles and motorcycles 47 - Retail trade, except of motor vehicles and motorcycles H. Transportation and storage I. Accommodation and food service activities J. Information and communication P. Arts, entertainment and recreation Q. Other service activities V. TRUST FUNDS AND NON PROFIT ORGANIZATIONS 18,450.6 19,953.8 19,890.3 63.5 17,929.1 17,876.1 53.0 674,057.9 699,844.1 697,614.2 2,229.9 677,141.4 674,926.4 2,214.9 A. Bank Employees 131,256.4 143,081.1 140,878.5 2,202.7 140,829.7 138,642.3 2,187.4 B. Consumer Financing 541,308.7 555,885.4 555,858.1 27.3 535,429.4 535,401.9 27.6 92,413.9 89,272.8 89,272.8 - 83,217.3 83,217.3 - 215,078.8 215,295.6 215,293.3 2.3 211,112.9 211,110.7 2.3 44,387.2 49,319.3 49,319.3 - 43,047.8 43,047.8 - 6,610.0 7,276.4 7,267.6 8.8 7,925.6 7,917.1 8.5 16.8 VI. PERSONAL 1) For house building 2) For transport i.e. purchase of car etc 3) Credit cards 4) Consumers durable 182,819.0 194,721.3 194,705.1 16.2 190,125.7 190,108.9 C) Other 5) Personal loans 1,492.8 877.6 877.6 - 882.3 882.3 - VII. OTHER 3,221.6 1,469.2 1,078.0 391.2 1,549.5 1,175.1 374.4 7,809,410.6 7,990,919.1 7,831,565.7 159,353.4 7,964,670.0 7,814,698.3 149,971.7 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) 2019 SECURITIES I. GOLD BULLION, GOLD, AND SILVER ORNAMENTS, PRECIOUS METALS II. SECURITIES, SHARES AND OTHER FINANCIAL INSTRUMENTS (A) Quoted On Stock Exchange 1. To Stock Brokers And Dealers a) Government And Others Trustee Securities b) Shares and Debentures c) Participation Term Certificates (PTC) d) Others 2. To Others a) Government and Other Trustee Securities b) Shares And Debentures c) Participation Term Certificates (PTC) d) Others (B) Unquoted On The Stock Exchange 1. To Stock Brokers And Dealers a) Government and Other Trustee Securities b) Shares and Debentures c) Participation Term Certificates (PTC) d) Others 2. To Others a) Government and Other Trustee Securities b) Shares and Debentures c) Participation Term Certificates (PTC) d) Others III. MERCHANDISE (A) Food Items 1. Wheat 2. Rice and Paddy 3. Other Grains and Pulses a) Indigenous b) Imported 4. Edible Oils a) Indigenous b) Imported 5. Sugar a) Indigenous b) Imported 6. Kariana and Spices 7. Fish and Fish Preparations 8. Other Food Items a) Indigenous b) Imported (B) Raw Materials 1. Cotton Raw a) Indigenous b) Imported 2. Synthetic Fibers a) Indigenous b) Imported 3. Fertilizers a) Indigenous b) Imported 4. Petroleum Crude a) Indigenous b) Imported 5. Iron and Steel a) Indigenous b) Imported Jun 2020 Dec Jun All Banks All Banks Commercial Banks 60,728.0 62,399.1 62,399.1 - 46,651.6 46,651.6 - 75,719.1 85,105.1 85,086.9 18.3 73,965.2 73,947.5 17.7 55,878.5 23,738.0 2,451.8 20,316.3 969.9 32,140.5 1,563.5 20,781.4 5.4 9,790.3 19,840.6 13,890.4 96.7 694.9 9.5 13,089.2 5,950.2 1,980.8 3,068.8 900.6 2,059,613.3 583,676.5 156,796.9 88,997.4 10,379.9 8,957.6 1,422.4 61,742.2 49,271.2 12,470.9 171,758.2 136,013.3 35,744.8 1,485.5 860.2 91,656.3 90,600.5 1,055.8 603,076.4 157,492.0 123,583.5 33,908.5 16,905.2 16,396.1 509.1 74,625.0 68,496.0 6,129.0 89,767.5 59,249.6 30,518.0 111,463.1 74,145.1 37,318.0 42,002.1 19,490.2 618.2 18,194.0 678.1 22,511.9 1,817.7 15,252.1 0.2 5,442.0 43,103.0 9,033.1 1.1 1,556.0 9.5 7,466.5 34,069.9 24,064.5 3,691.2 6,314.2 2,072,481.1 539,425.0 124,412.3 108,755.5 9,546.1 8,504.5 1,041.7 56,817.5 47,130.5 9,686.9 141,870.8 116,198.7 25,672.1 910.3 1,026.0 96,086.5 96,079.8 6.7 653,871.1 169,879.5 127,238.9 42,640.6 24,957.0 24,476.0 481.0 86,191.6 79,759.0 6,432.6 94,975.1 69,589.2 25,385.9 114,232.7 77,018.7 37,214.0 42,002.1 19,490.2 618.2 18,194.0 678.1 22,511.9 1,817.7 15,252.1 0.2 5,442.0 43,084.8 9,033.1 1.1 1,556.0 9.5 7,466.5 34,051.7 24,046.2 3,691.2 6,314.2 2,071,629.1 538,573.0 123,560.3 108,755.5 9,546.1 8,504.5 1,041.7 56,817.5 47,130.5 9,686.9 141,870.8 116,198.7 25,672.1 910.3 1,026.0 96,086.5 96,079.8 6.7 653,871.1 169,879.5 127,238.9 42,640.6 24,957.0 24,476.0 481.0 86,191.6 79,759.0 6,432.6 94,975.1 69,589.2 25,385.9 114,232.7 77,018.7 37,214.0 44,873.0 20,646.7 514.7 20,017.2 114.8 24,226.3 1,466.6 17,322.7 7.7 5,429.3 18.3 29,092.2 18,804.4 0.4 1,166.4 0.0 17,637.5 18.3 10,287.8 18.3 5,893.4 2,736.5 1,657.9 852.0 2,078,812.8 852.0 583,138.2 852.0 160,879.1 85,093.8 4,744.2 4,018.7 725.5 56,287.4 47,645.2 8,642.3 - 170,398.2 - 160,822.4 9,575.8 4,443.4 655.1 - 100,637.0 99,804.9 832.1 - 633,041.9 - 159,384.0 - 127,855.7 31,528.3 27,833.4 26,027.9 1,805.5 78,542.8 69,655.5 8,887.3 91,158.5 72,275.4 18,883.0 - 117,706.1 76,030.7 41,675.4 44,873.0 20,646.7 514.7 20,017.2 114.8 24,226.3 1,466.6 17,322.7 7.7 5,429.3 29,074.5 18,804.4 0.4 1,166.4 0.0 17,637.5 10,270.2 5,875.7 2,736.5 1,657.9 2,077,862.8 582,188.2 159,929.1 85,093.8 4,744.2 4,018.7 725.5 56,287.4 47,645.2 8,642.3 170,398.2 160,822.4 9,575.8 4,443.4 655.1 100,637.0 99,804.9 832.1 633,041.9 159,384.0 127,855.7 31,528.3 27,833.4 26,027.9 1,805.5 78,542.8 69,655.5 8,887.3 91,158.5 72,275.4 18,883.0 117,706.1 76,030.7 41,675.4 17.7 17.7 17.7 950.0 950.0 950.0 - 40 Specialized Banks Commercial Specialized All Banks Banks Banks
16. 3 .11 Classification of Scheduled Banks' Advances by Securities Pledged All Banks (End of Period: Million Rupees) 2019 SECURITIES 6. Wool and Goat Hair 7. Hides and Skins 8. Oil Seeds 9. Pesticides and 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) Locally Manufactured b) Imported 5. Handloom Products 6. Carpets and 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 (A) Transport equipment’s (B) Furniture & Fixtures (C) Office equipment’s (D) Other machinery & equipment’s V. REAL ESTATE (A) Land (B) Buildings 1. Residential 2. Non-Residential a) Commercial b) Industrial c) Other VI. AGAINST FIXED DEPOSITS AND INSURANCE POLICIES (A) Bank Deposits (B) Insurance Policies VII. OTHERS (A) Other Secured Advances (B) Advances Secured By Guarantee(s) 1. Institutional Guarantee(s) 2. Individual Guarantee(s) VIII. Unsecured Advances TOTAL Jun 2020 Dec Jun All Banks All Banks Commercial Banks Specialized Banks All Banks Commercial Banks Specialized Banks 14.4 4,109.7 14,836.5 11,086.4 11,020.5 66.0 122,776.6 108,185.0 14,591.6 872,860.4 196,523.3 181,997.1 14,526.3 85,245.7 79,661.7 5,584.0 118,286.7 105,540.1 12,746.6 28,674.4 19,525.9 9,148.5 155.7 3,773.8 40,510.3 78,274.0 75,025.9 3,248.1 2,231.8 4,923.0 44,044.8 270,216.9 246,735.0 23,481.9 1,263,651.9 520,866.3 27,179.7 50,083.4 665,522.5 1,059,480.1 532,556.3 526,923.7 269,273.2 257,650.5 173,682.0 28,137.9 55,830.7 53,804.9 35,494.9 18,310.0 3,111,550.5 1,557,821.0 1,553,729.5 1,395,626.1 158,103.4 124,862.7 13.8 3,304.4 13,848.5 11,383.4 11,383.3 0.1 135,085.1 126,027.3 9,057.7 879,185.0 160,415.7 142,582.8 17,832.9 82,910.2 76,020.0 6,890.2 130,349.5 118,063.0 12,286.5 31,956.5 16,968.1 14,988.4 164.9 4,441.2 34,750.1 105,090.5 102,199.1 2,891.4 1,991.5 4,644.6 53,634.1 268,836.3 257,376.5 11,459.8 1,245,481.3 481,785.9 15,401.8 55,202.6 693,091.0 1,161,246.5 593,053.9 568,192.6 258,458.9 309,733.6 197,121.0 59,502.0 53,110.6 53,605.2 42,558.0 11,047.2 3,218,795.5 1,771,004.1 1,447,791.4 1,269,888.8 177,902.6 91,805.2 13.8 3,304.4 13,848.5 11,383.4 11,383.3 0.1 135,085.1 126,027.3 9,057.7 879,185.0 160,415.7 142,582.8 17,832.9 82,910.2 76,020.0 6,890.2 130,349.5 118,063.0 12,286.5 31,956.5 16,968.1 14,988.4 164.9 4,441.2 34,750.1 105,090.5 102,199.1 2,891.4 1,991.5 4,644.6 53,634.1 268,836.3 257,376.5 11,459.8 1,244,726.9 481,044.1 15,401.8 55,202.6 693,078.4 1,020,109.4 454,181.8 565,927.5 257,388.0 308,539.5 196,244.8 59,230.7 53,064.0 53,604.1 42,557.0 11,047.1 3,203,637.8 1,761,885.1 1,441,752.7 1,269,686.2 172,066.5 90,372.4 754.4 741.8 12.6 141,137.2 138,872.1 2,265.0 1,070.9 1,194.1 876.2 271.3 46.6 1.0 1.0 0.1 15,157.7 9,119.0 6,038.7 202.7 5,836.0 1,432.9 4.5 4,700.8 11,625.3 4,513.6 4,471.8 41.8 137,572.7 127,666.5 9,906.3 862,632.7 149,216.9 142,205.8 7,011.1 79,319.9 77,925.0 1,394.9 150,196.2 146,450.3 3,745.8 33,774.7 17,230.8 16,543.8 151.6 3,573.9 39,118.4 115,147.7 111,552.0 3,595.7 1,161.6 6,233.9 47,507.4 237,230.5 222,691.7 14,538.8 1,261,394.5 499,815.1 12,636.4 52,837.0 696,106.0 1,176,215.0 564,157.1 612,057.9 324,208.2 287,849.8 187,198.6 53,071.2 47,579.9 53,142.9 43,554.3 9,588.6 3,147,038.2 1,497,070.4 1,649,967.8 1,510,219.5 139,748.3 127,449.8 4.5 4,700.8 11,625.3 4,513.6 4,471.8 41.8 137,572.7 127,666.5 9,906.3 862,632.7 149,216.9 142,205.8 7,011.1 79,319.9 77,925.0 1,394.9 150,196.2 146,450.3 3,745.8 33,774.7 17,230.8 16,543.8 151.6 3,573.9 39,118.4 115,147.7 111,552.0 3,595.7 1,161.6 6,233.9 47,507.4 237,230.5 222,691.7 14,538.8 1,260,649.3 499,078.2 12,636.4 52,837.0 696,097.7 1,044,381.8 434,250.0 610,131.8 323,295.1 286,836.7 186,512.8 52,790.6 47,533.2 53,086.3 43,497.8 9,588.5 3,132,060.1 1,488,052.4 1,644,007.7 1,510,011.4 133,996.2 126,058.9 745.2 736.9 8.3 131,833.2 129,907.1 1,926.2 913.1 1,013.1 685.8 280.5 46.7 56.6 56.5 0.1 14,978.2 9,018.0 5,960.2 208.1 5,752.1 1,390.8 7,809,410.6 7,990,919.1 7,831,565.7 159,353.4 7,964,670.0 7,814,698.3 149,971.7 Source: Statistics & Data Warehouse Department, SBP 41
17. 3 .12 Classification of Scheduled Banks' Advances by Rates of Margin ( Million Rupees ) 2018 RATES OF MARGIN (%) Jun No. of A/Cs. 0 2019 Dec Jun Amount No. of A/Cs. Amount 1,545,847 2,526,285.0 1,842,784 2,739,355.7 No. of A/Cs. 2020 Dec Jun Amount No. of A/Cs. Amount No. of A/Cs. Amount 1,347,024 2,186,152.2 1,940,474 2,533,903.3 1,504,173 2,925,134.4 5 11,870 54,508.3 52,429 146,330.4 61,923 163,303.5 63,260 168,235.5 33,132 155,861.9 10 470,923 438,166.8 67,551 672,876.6 164,806 597,820.0 497,473 516,852.0 678,789 555,974.9 15 29,073 499,872.8 59,621 545,391.2 17,565 440,320.4 78,744 610,615.6 36,028 566,771.1 20 762,334 902,075.6 770,002 736,685.7 786,100 1,426,461.3 630,071 1,378,971.7 832,533 950,277.6 25 181,843 1,494,096.0 177,747 1,524,757.2 116,577 1,672,349.5 163,814 1,616,235.5 255,301 1,657,327.3 30 155,800 328,734.9 42,678 313,071.6 48,498 455,504.0 61,290 296,892.3 75,910 391,484.0 33.33 2,061 5,885.3 2,082 4,326.5 102 2,799.9 531 4,500.1 3,308 5,956.9 35 15,596 77,731.7 26,796 190,376.4 17,200 189,525.7 19,059 231,125.1 9,344 140,751.2 40 32,579 149,122.0 417,767 163,522.3 306,766 248,264.0 61,894 207,684.2 110,565 164,317.5 45 7,088 43,512.0 2,366 37,167.9 2,700 59,569.4 3,590 51,336.9 3,164 114,874.2 50 67,360 299,829.2 65,533 317,081.9 25,601 185,438.2 39,195 224,784.1 65,035 202,372.7 55 2,223 35,588.4 3,847 36,843.0 1,767 29,718.3 2,382 32,357.4 1,938 24,344.3 60 2,130 30,657.3 4,561 51,947.3 2,970 21,671.8 2,350 33,077.6 2,078 29,972.3 65 3,868 40,862.3 1,488 43,309.4 2,449 33,135.7 1,399 31,621.1 1,170 27,876.2 70 1,462 29,603.5 1,024 35,877.4 5,103 13,138.7 1,389 8,454.9 705 7,738.8 75 1,133 21,726.8 1,321 26,613.7 2,862 12,046.1 808 23,508.7 8,671 20,658.1 80 1,088 24,469.2 973 39,156.1 4,683 4,860.8 791 6,273.0 517 5,510.2 85 1,142 54,491.2 1,796 29,875.0 159 562.8 352 2,544.3 356 1,773.1 90 1,278 23,291.4 1,243 27,462.4 186 60,537.1 555 8,244.5 540 5,724.6 95 1,768 42,305.3 1,580 36,641.0 200 326.7 428 3,020.3 348 3,366.5 6 0.8 48 202.8 278 5,904.6 133 681.0 200 6,602.1 3,298,472 7,122,815.6 3,545,237 7,718,871.6 2,915,519 7,809,410.6 3,569,982 7,990,919.1 3,623,805 7,964,670.0 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, forestry and fishing Trade finance Working capital Fixed investment Construction Financing Other B. Mining and quarrying Trade finance Working capital Fixed investment Construction Financing Other C. Manufacturing Trade finance Working capital Fixed investment Construction Financing Other D. Electricity, gas, steam and air conditioning supply Trade finance Working capital Fixed investment Construction Financing Other E. Water supply; sewerage, waste management and remediation activities Trade finance Working capital Fixed investment Construction Financing Other F. Construction Trade finance Working capital Fixed investment Construction Financing Other G. Wholesale and retail trade; repair of motor vehicles and motorcycles Trade finance Working capital Fixed investment Construction Financing Other H. Transportation and storage Trade finance Working capital Fixed investment Construction Financing Other I. Accommodation and food service activities Trade finance Working capital Fixed investment Construction Financing Other Jun-20 R Jul-20 R Aug-20 R Sep-20 R Oct-20 R Nov-20 R Dec-20 P 280,216 2,530 206,444 70,000 64 1,179 82,989 3,013 31,380 47,126 1,470 3,290,273 815,336 1,398,919 974,187 3,220 98,611 491,843 3,835 230,299 254,737 1,390 1,581 15,076 7,647 3,571 3,857 1 131,855 2,100 29,682 57,011 42,449 613 429,436 62,383 258,317 79,821 2,608 26,307 119,607 4,245 42,596 72,054 295 418 37,049 131 13,860 17,008 6,037 12 278,932 2,478 208,230 66,999 46 1,179 75,937 1,098 26,192 47,205 1,443 3,199,911 801,809 1,325,487 983,702 3,638 85,275 488,964 3,429 224,102 260,067 1,359 7 15,444 7,535 4,055 3,853 1 132,015 2,089 30,608 54,887 43,658 773 420,400 60,187 251,565 80,107 2,600 25,941 118,566 4,506 43,614 69,658 282 506 40,983 1,840 13,501 19,521 6,110 11 279,650 3,239 208,196 67,004 74 1,137 73,272 1,102 23,451 47,397 1,322 3,150,908 781,556 1,291,146 991,712 3,420 83,073 498,674 3,359 228,709 265,133 1,359 115 17,085 7,905 4,927 3,900 352 127,733 2,009 29,694 52,957 42,205 869 445,469 60,874 261,021 87,827 2,594 33,153 118,344 4,768 44,162 68,624 376 414 37,272 131 11,909 19,111 6,110 11 283,904 2,946 212,143 67,545 72 1,198 79,663 2,935 28,217 47,188 1,322 3,133,872 780,340 1,259,670 1,012,388 3,517 77,958 501,374 3,517 223,453 273,038 1,359 7 22,728 9,254 8,073 5,400 1 132,666 1,983 31,377 54,500 44,410 396 447,083 62,491 263,694 82,852 2,726 35,321 120,163 4,354 45,748 69,199 376 486 37,555 131 12,118 19,198 6,097 11 291,755 3,550 219,588 67,270 82 1,265 73,457 2,894 21,438 47,804 1,322 3,137,782 781,188 1,264,910 1,013,832 3,643 74,210 508,967 4,362 219,046 284,181 1,327 52 23,211 8,971 8,832 5,407 1 139,547 1,922 32,229 54,660 50,409 328 449,228 68,458 257,273 89,857 2,580 31,061 117,146 3,148 41,714 71,409 378 498 38,763 131 12,157 19,451 6,122 901 293,115 2,374 221,051 67,303 82 2,305 71,951 2,867 20,125 47,636 1,322 3,183,135 808,714 1,284,947 1,012,818 3,562 73,094 494,415 3,536 197,498 292,052 1,327 2 21,642 7,911 8,227 5,503 1 145,168 1,592 31,466 56,428 55,409 275 455,539 67,474 264,712 89,733 2,575 31,045 118,323 4,094 42,088 71,236 373 532 38,346 238 12,932 17,793 6,109 1,273 291,745 2,491 220,337 66,262 85 2,570 79,593 2,107 25,182 50,982 1,322 3,373,565 837,320 1,413,492 1,042,402 3,766 76,585 532,566 3,431 228,313 298,994 1,327 502 23,392 9,918 8,101 5,184 189 145,268 1,391 32,334 50,973 60,372 198 459,656 64,633 274,717 88,314 3,008 28,984 119,827 2,966 43,664 71,987 364 846 43,010 303 14,240 19,671 7,520 1,277 43
19. 3 .13 Private Sector Business and Type of Financing-Overall (End of period : Million Rupees) PRIVATE SECTOR (BUSINESS) J. Information and communication Trade finance Working capital Fixed investment Construction Financing Other K. Real estate activities Trade finance Working capital Fixed investment Construction Financing Other L. Professional, scientific and technical activities Trade finance Working capital Fixed investment Construction Financing Other M. Administrative and support service activities Trade finance Working capital Fixed investment Construction Financing Other N. Education Trade finance Working capital Fixed investment Construction Financing Other O. Human health and social work activities Trade finance Working capital Fixed investment Construction Financing Other P. Arts, entertainment and recreation Trade finance Working capital Fixed investment Construction Financing Other Q. Other service activities Trade finance Working capital Fixed investment Construction Financing Other Total Jun-20 R Jul-20 R Aug-20 R Sep-20 R Oct-20 R Nov-20 R Dec-20 P 159,242 4,288 27,108 119,502 8,343 28,492 3,173 11,093 14,226 51,180 6,783 28,474 12,866 1,052 2,004 60,646 8,002 31,644 15,796 5,203 22,496 8,261 12,550 1,665 20 14,602 120 4,237 8,148 2,064 34 2,535 1 1,997 537 53,499 698 25,248 21,282 44 6,228 159,195 3,857 32,157 114,850 8,330 27,674 3,190 9,828 14,651 5 50,890 6,987 27,860 13,163 1,047 1,833 61,001 8,924 29,871 16,946 1 5,260 24,596 9,863 13,005 1,707 20 15,622 119 5,273 8,146 2,052 32 2,557 1 2,019 537 54,308 669 25,588 21,328 43 6,681 157,271 3,626 29,292 116,097 8,256 30,679 3,125 12,841 14,708 5 49,414 7,154 27,565 11,753 1,044 1,897 60,714 8,002 30,209 17,113 1 5,389 25,800 23 10,993 12,685 2,078 21 16,292 254 5,769 8,173 2,049 48 2,565 1 2,028 537 55,697 698 26,864 21,156 42 6,936 163,025 4,388 35,136 115,858 7,643 29,621 2,128 11,459 16,028 6 51,486 8,847 27,579 11,965 1,037 2,059 62,510 8,286 30,286 18,394 1 5,541 28,873 23 12,921 14,224 1,681 23 16,773 141 6,519 8,007 2,045 62 2,587 1 2,049 538 55,767 527 24,941 22,393 1,291 6,615 163,848 3,546 31,058 121,610 7,634 24,465 2,364 11,598 10,497 6 52,353 9,029 28,987 11,397 1,031 1,909 62,774 8,380 29,719 19,047 1 5,627 30,160 22 14,139 14,249 1,720 29 17,500 .. 7,215 8,184 2,062 39 2,630 1 463 2,166 56,320 741 25,290 22,282 1,291 6,715 169,352 3,679 35,931 122,135 7,607 21,543 1,992 6,742 12,798 11 54,668 9,423 29,271 13,234 1,026 1,713 59,507 8,472 28,361 18,131 1 4,542 30,241 22 14,255 14,163 1,761 40 17,853 .. 7,209 8,511 2,110 23 2,641 1 475 2,165 58,157 1,753 25,345 23,202 1,295 6,563 167,485 3,563 41,030 115,289 7,603 24,869 1,715 5,068 18,074 12 53,882 9,872 29,240 11,469 1,025 2,275 62,545 7,512 30,058 18,442 300 6,234 31,207 22 15,275 14,027 1,831 51 18,103 .. 7,195 8,419 2,441 47 3,308 1 784 2,523 60,388 2,198 27,192 22,390 1,875 6,734 5,271,036 5,166,995 5,146,838 5,169,650 5,189,907 5,235,596 5,490,409 Source: Statistics & Data Warehouse Department, SBP Notes: 1. Classification of Private Sector - Business based on International Standard Industrial Classification (ISIC), Rev. 4 of United Nation adopted from June 2019. 2. Loans Include Advances plus Bills Purchased & Discounted but excludes foreign bills. 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. Construction financing is included in the type of finance with reference to IH&SMEFD Circular letter No. 10 of 2020 dated 15th July 2020 and Statistics & Data Warehouse Department circular No. DS.MFS. 013814/20 dated 4th December 2020; from June 2020, onwards 5. Construction Financing contains both Working Capital and Fixed Investment loans provided by Banks for construction purposes. 6. 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 .14 Type of Financing to SMEs (End of period : Million Rupees) Jun-20 R 1,801 1,119 646 2 34 2,207 356 947 904 175,941 24,933 123,782 24,444 118 2,664 9,152 91 8,515 543 2 Jul-20 R 1,707 1,045 628 33 1,975 374 908 693 168,653 25,367 117,061 23,633 92 2,500 1,028 82 392 551 2 Aug-20 R 1,846 1,116 698 33 2,118 433 932 753 163,346 24,008 112,092 24,759 121 2,366 976 93 374 507 2 194 197 40 46 107 1 13,930 97 5,168 3,656 5,002 8 G. Wholesale and retail trade; repair of motor vehicles and motorcycles Trade finance Working capital Fixed investment Construction Financing Other H. Transportation and storage Trade finance Working capital Fixed investment Construction Financing Other I. Accommodation and food service activities Trade finance Working capital Fixed investment Construction Financing Other PRIVATE SECTOR (BUSINESS) A. Agriculture, forestry and fishing Trade finance Working capital Fixed investment Construction Financing Other B. Mining and quarrying Trade finance Working capital Fixed investment Construction Financing Other C. Manufacturing Trade finance Working capital Fixed investment Construction Financing Other D. Electricity, gas, steam and air conditioning supply Trade finance Working capital Fixed investment Construction Financing Other E. Water supply; sewerage, waste management and remediation activities Trade finance Working capital Fixed investment Construction Financing Other F. Construction Trade finance Working capital Fixed investment Construction Financing Other 1,900 1,194 674 32 2,223 426 1,034 764 166,399 24,091 112,885 26,931 106 2,386 1,053 86 404 561 2 Oct-20 R 2,019 1,257 730 1 31 2,834 385 1,777 672 179,762 23,976 128,504 24,263 123 2,896 1,116 95 437 582 2 Nov-20 R 2,331 1,525 773 1 32 2,701 266 1,467 968 211,032 28,702 156,673 23,659 307 1,690 953 90 426 435 2 Dec-20 P 2,418 20 1,581 780 5 32 2,319 87 1,590 642 222,398 30,494 167,282 22,701 315 1,607 1,537 84 857 592 2 237 194 164 165 169 40 52 103 1 12,992 104 5,042 1,471 6,368 8 40 47 149 1 11,643 119 4,534 1,540 5,441 8 35 56 102 1 12,556 112 5,313 1,332 5,791 8 3 50 110 1 14,100 93 5,693 2,389 5,917 8 53 111 1 13,055 97 5,370 1,402 6,177 8 2 59 107 1 14,174 94 5,778 1,709 6,582 11 133,990 128,806 130,396 133,828 133,741 137,220 146,155 7,326 110,479 14,125 287 1,774 32,213 105 2,761 28,893 186 267 2,428 26 1,574 610 207 12 6,994 106,007 13,946 292 1,568 28,793 90 2,772 25,387 189 357 3,011 81 2,036 669 214 11 6,988 106,883 14,535 288 1,702 28,848 59 3,391 24,824 183 390 2,533 26 1,626 656 214 11 6,933 110,121 14,798 340 1,637 26,828 78 2,951 23,156 180 462 3,150 26 1,621 1,280 213 11 6,816 106,029 19,050 280 1,566 27,888 84 2,956 24,160 214 474 4,337 26 1,791 1,381 238 901 7,194 109,331 18,024 278 2,394 25,838 92 3,052 22,006 180 508 4,876 26 1,967 1,374 235 1,273 7,110 116,033 19,637 341 3,034 26,089 98 2,922 22,226 159 684 4,963 26 2,650 797 214 1,277 45 Sep-20 R
21. 3 .14 Type of Financing to SMEs (End of period : Million Rupees) PRIVATE SECTOR (BUSINESS) J. Information and communication Trade finance Working capital Fixed investment Construction Financing Other K. Real estate activities Trade finance Working capital Fixed investment Construction Financing Other L. Professional, scientific and technical activities Trade finance Working capital Fixed investment Construction Financing Other M. Administrative and support service activities Trade finance Working capital Fixed investment Construction Financing Other N. Education Trade finance Working capital Fixed investment Construction Financing Other O. Human health and social work activities Trade finance Working capital Fixed investment Construction Financing Other P. Arts, entertainment and recreation Trade finance Working capital Fixed investment Construction Financing Other Q. Other service activities Trade finance Working capital Fixed investment Construction Financing Other Total Jun-20 R Jul-20 R Aug-20 R Sep-20 Oct-20 R Nov-20 R Dec-20 P 7,954 234 2,397 5,278 44 1,453 258 1,110 79 6 11,577 410 7,700 3,086 289 92 11,753 1,479 6,575 3,569 1 128 3,992 22 2,868 993 80 29 2,261 1,179 975 89 18 278 1 207 70 24,692 71 12,910 11,107 23 580 6,812 239 2,361 4,174 38 1,300 243 1,014 33 11 15,076 1,187 8,678 4,825 285 101 11,622 1,324 6,925 3,095 1 277 3,781 22 2,430 1,148 140 40 2,584 1,186 1,290 89 18 289 1 219 70 25,426 55 13,091 11,714 28 538 4,283 225 2,700 1,230 93 34 1,722 349 1,022 339 12 15,784 1,604 9,583 3,497 285 815 11,830 1,021 7,269 3,268 273 3,722 22 2,264 1,272 113 51 2,657 1,211 1,187 216 43 957 1 528 428 25,547 67 13,865 10,998 19 598 R 6,555 227 2,009 4,288 31 1,465 313 1,080 71 16,468 421 11,788 3,834 305 120 13,180 1,447 8,181 3,294 258 2,577 1,385 1,076 96 20 2,396 119 1,285 911 67 13 205 1 165 39 23,266 109 12,020 10,552 44 540 6,324 236 2,041 4,012 35 1,424 268 1,083 68 5 12,912 340 8,880 3,325 301 65 11,816 1,424 7,115 3,064 1 211 2,890 1,563 1,216 91 20 2,414 118 1,321 897 65 13 221 1 181 39 22,770 90 11,890 10,180 23 587 7,110 239 2,014 4,822 35 1,444 282 1,065 92 5 12,243 221 9,466 2,176 299 80 11,226 1,445 6,789 2,827 1 163 3,197 23 1,790 1,276 87 21 2,090 118 1,106 787 65 12 230 1 190 39 23,611 89 12,367 10,560 42 553 437,969 407,934 403,093 6,481 222 2,131 4,092 37 1,450 277 1,097 70 6 14,174 293 9,859 3,635 293 95 11,607 1,467 6,819 3,160 1 160 3,253 23 2,025 1,094 87 23 2,123 118 1,169 755 65 16 235 1 193 41 23,605 85 12,307 10,595 41 576 411,061 429,919 465,061 486,723 Source: Statistics & Data Warehouse Department, SBP Notes: 1. Classification of Private Sector - Business based on International Standard Industrial Classification (ISIC), Rev. 4 of United Nation adopted from June 2019. 2. Loans Include Advances plus Bills Purchased & Discounted but excludes foreign bills. 3. Islamic Financing, Advances (against Murabaha etc) inventories and other related items previously reported under Other Assets has been reclassified as credit w.e.f Jun 2014. 4. Construction financing is included in the type of finance with reference to IH&SMEFD Circular letter No. 10 of 2020 dated 15th July 2020 and Statistics & Data Warehouse Department circular No. DS.MFS. 013814/20 dated 4th December 2020; from June 2020, onwards 5. Construction Financing contains both Working Capital and Fixed Investment loans provided by Banks for construction purposes. 6. Details of the changes/revisions are available in "Revision note" on SBP web at www.sbp.org.pk/ecodata/Revision_Monetary_Stats.pdf 46
22. 3 .15 Province/Region and Disbursement & Utilization of Advances (Billion Rupees) Utilization in same Region Province/ Region Period Jan-Jun 2019 Amount % of Regional Disbursement Amount Utilization as % of Disbursement (%) 5,542.77 5,156.52 93.03 386.25 6.97 750.14 5,906.65 42.12 106.57 Sindh 7,564.96 6,727.07 88.92 837.89 11.08 422.66 7,149.73 50.99 94.51 125.64 57.60 45.85 68.03 54.15 82.56 140.16 1.00 111.56 14.02 13.77 98.22 0.25 1.78 92.57 106.34 0.76 758.30 757.68 543.15 71.69 214.53 28.31 146.79 689.94 4.92 91.06 FATA 0.11 0.10 90.13 0.01 9.87 0.02 0.12 .. 112.09 Gilgit Baltistan 2.47 2.40 97.08 0.07 2.92 0.21 2.61 0.02 105.52 15.44 14.69 95.15 0.75 4.85 12.83 27.52 0.20 178.25 Total 14,023.08 12,515.30 89.25 1,507.78 10.75 1,507.78 14,023.08 100.00 Punjab 5,835.10 5,620.48 96.32 214.62 3.68 287.73 5,908.21 38.53 101.25 Sindh 8,505.87 8,158.47 95.92 347.41 4.08 213.98 8,372.45 54.60 98.43 KPK 81.78 79.74 97.50 2.04 2.50 57.34 137.08 0.89 167.62 Balochistan 12.37 12.15 98.20 0.22 1.80 74.42 86.57 0.56 699.69 873.21 713.93 81.76 159.28 18.24 87.77 801.71 5.23 91.81 FATA 0.10 0.09 86.82 0.01 13.18 0.02 0.11 .. 110.09 Gilgit Baltistan 5.24 5.23 99.80 0.01 0.20 0.10 5.33 0.03 101.70 19.65 19.39 98.66 0.26 1.34 2.49 21.87 0.14 111.33 Total 15,333.33 14,609.48 95.28 723.86 4.72 723.86 15,333.33 100.00 Punjab 5,342.05 5,137.20 96.17 204.84 3.83 266.01 5,403.22 38.24 101.15 Sindh 7,894.49 7,585.05 96.08 309.44 3.92 205.25 7,790.30 55.13 98.68 66.75 63.38 94.94 3.38 5.06 55.41 118.79 0.84 177.95 9.65 9.41 97.44 0.25 2.56 76.82 86.23 0.61 893.24 804.25 646.09 80.33 158.16 19.67 71.08 717.17 5.08 89.17 FATA 0.08 0.06 77.21 0.02 22.79 0.06 0.12 .. 159.13 Gilgit Baltistan 3.87 3.85 99.49 0.02 0.51 0.03 3.88 0.03 100.14 AJK 9.76 9.68 99.16 0.08 0.84 1.52 11.20 0.08 114.73 14,130.90 13,454.72 95.21 676.18 4.79 676.18 14,130.90 100.00 Balochistan Islamabad AJK Jul-Dec 2019 Amount % of Regional Disbursement Total Utilization Disbursed from other but Utilized in Given Region Punjab KPK Islamabad AJK KPK Jan-Jun 2020 Disbursements Utilized in other Regions Balochistan Islamabad 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. 47
23. 3 .16 Province/Region and place of Disbursement & Utilization Place of disbursement Punjab Punjab Total Sindh Sindh Total KPK KPK Total Balochistan Balochistan Total Islamabad Islamabad Total FATA Total Gilgit-Baltistan Gilgit-Baltistan Total AJK Place of Utilization Punjab Sindh KPK Balochistan Islamabad FATA Gilgit-Baltistan AJK Punjab Sindh KPK Balochistan Islamabad FATA Gilgit-Baltistan AJK Punjab Sindh KPK Balochistan Islamabad FATA Gilgit-Baltistan AJK Punjab Sindh KPK Balochistan Islamabad FATA Gilgit-Baltistan AJK Punjab Sindh KPK Balochistan Islamabad FATA Gilgit-Baltistan AJK Punjab Sindh KPK Balochistan Islamabad FATA Gilgit-Baltistan AJK Punjab Sindh KPK Balochistan Islamabad FATA Gilgit-Baltistan AJK AJK Total Grand Total Numbers are rounded to the Nearest Billion, Jan-Jun 2019 Amount (%) 5,156.52 242.08 29.29 0.45 105.90 .. 0.05 8.48 5,542.77 657.07 6,727.07 44.22 91.69 40.69 .. 0.16 4.05 7,564.96 5.19 62.54 57.60 .. 0.12 0.02 .. 0.16 125.64 0.04 0.19 .. 13.77 0.02 14.02 87.16 117.84 8.96 0.43 543.15 .. .. 0.14 757.68 0.11 0.01 .. 0.01 0.05 2.40 2.47 0.67 0.01 0.05 0.01 .. 14.69 15.44 93.03 4.37 0.53 0.01 1.91 .. .. 0.15 100.00 8.69 88.92 0.58 1.21 0.54 .. .. 0.05 100.00 4.13 49.78 45.85 .. 0.09 0.02 .. 0.13 100.00 0.26 1.39 0.02 98.22 0.12 100.00 11.50 15.55 1.18 0.06 71.69 .. .. 0.02 100.00 100.00 0.41 0.01 0.59 1.91 97.08 100.00 4.35 0.08 0.35 0.07 .. 95.15 100.00 14,023.08 Jul-Dec 2019 Amount 5,620.48 139.51 15.05 0.70 58.93 0.02 0.09 0.33 5,835.10 217.34 8,158.47 26.80 73.43 27.74 .. .. 2.10 8,505.87 0.63 0.34 79.74 .. 1.07 .. .. .. 81.78 0.01 0.21 .. 12.15 .. .. 12.37 69.56 73.90 15.45 0.29 713.93 .. 0.01 0.06 873.21 0.10 0.01 .. .. .. 5.23 5.24 0.19 0.02 0.02 .. 0.04 .. 19.39 19.65 15,333.33 (%) 96.32 2.39 0.26 0.01 1.01 .. .. 0.01 100.00 2.56 95.92 0.32 0.86 0.33 .. .. 0.02 100.00 0.77 0.42 97.50 .. 1.31 .. .. .. 100.00 0.07 1.69 0.02 98.20 .. 0.01 100.00 7.97 8.46 1.77 0.03 81.76 .. .. 0.01 100.00 100.00 0.18 0.01 0.01 .. 99.80 100.00 0.95 0.08 0.12 .. 0.19 .. 98.66 100.00 ( Billion Rupees) Jan-Jun 2020 Amount (%) 5,137.20 132.46 19.30 1.07 51.11 0.03 0.02 0.86 5,342.05 195.25 7,585.05 19.96 75.62 18.12 .. .. 0.49 7,894.49 0.84 0.72 63.38 .. 1.79 0.03 .. 66.75 .. 0.24 .. 9.41 .. 9.65 69.91 71.83 16.13 0.12 646.09 .. .. 0.17 804.25 0.08 .. .. 0.01 .. 3.85 .. 3.87 0.01 .. .. 0.07 .. .. 9.68 9.76 96.17 2.48 0.36 0.02 0.96 .. .. 0.02 100.00 2.47 96.08 0.25 0.96 0.23 .. .. 0.01 100.00 1.25 1.08 94.94 .. 2.68 0.04 .. 100.00 0.05 2.49 0.01 97.44 .. 100.00 8.69 8.93 2.01 0.01 80.33 .. .. 0.02 100.00 100.00 0.07 0.01 0.33 0.01 99.49 0.08 100.00 0.10 0.01 0.03 0.69 .. 0.01 99.16 100.00 14,130.90 Source: Statistics & Data Warehouse Department, SBP Totals may differ due to rounding off 48
24. 3 .17 Province/Region and Place of Utilization & Disbursement (Billion Rupees) Place of Utilization Punjab Punjab Total Sindh Sindh Total KPK KPK Total Balochistan Balochistan Total Islamabad Islamabad Total FATA FATA Total Gilgit Baltistan Gilgit-Baltistan Total AJK AJK Total Grand Total Place of Disbursement Punjab Sindh KPK Balochistan Islamabad FATA Gilgit-Baltistan AJK Punjab Sindh KPK Balochistan Islamabad FATA Gilgit-Baltistan AJK Punjab Sindh KPK Balochistan Islamabad FATA Gilgit-Baltistan AJK Punjab Sindh KPK Balochistan Islamabad FATA Gilgit-Baltistan AJK Punjab Sindh KPK Balochistan Islamabad FATA Gilgit-Baltistan AJK Punjab Sindh KPK Balochistan Islamabad FATA Gilgit-Baltistan AJK Punjab Sindh KPK Balochistan Islamabad FATA Gilgit-Baltistan AJK Punjab Sindh KPK Balochistan Islamabad FATA Gilgit-Baltistan AJK Jan-Jun 2019 Amount 5,156.52 657.07 5.19 0.04 87.16 0.01 0.67 5,906.65 242.08 6,727.07 62.54 0.19 117.84 .. 0.01 7,149.73 29.29 44.22 57.60 .. 8.96 0.01 0.01 0.05 140.16 0.45 91.69 .. 13.77 0.43 106.34 105.90 40.69 0.12 0.02 543.15 0.05 0.01 689.94 .. .. 0.02 .. 0.10 0.12 0.05 0.16 .. .. 2.40 .. 2.61 8.48 4.05 0.16 0.14 14.69 27.52 14,023.08 Jul-Dec 2019 (%) 87.30 11.12 0.09 .. 1.48 .. 0.01 100.00 3.39 94.09 0.87 .. 1.65 .. .. 100.00 20.90 31.55 41.10 .. 6.40 0.01 0.01 0.04 100.00 0.43 86.22 .. 12.95 0.40 100.00 15.35 5.90 0.02 .. 78.72 0.01 .. 100.00 0.50 0.42 17.07 1.61 80.41 100.00 1.88 6.07 0.03 0.01 92.00 0.01 100.00 30.80 14.73 0.59 0.51 53.38 100.00 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 49 Jan-Jun 2020 Amount (%) Amount (%) 5,620.48 95.13 5,137.20 95.08 217.34 3.68 195.25 3.61 0.63 0.01 0.84 0.02 0.01 .. .. .. 69.56 1.18 69.91 1.29 0.01 .. .. .. 0.19 .. 0.01 .. 5,908.21 100.00 5,403.22 100.00 139.51 1.67 132.46 1.70 8,158.47 97.44 7,585.05 97.37 0.34 .. 0.72 0.01 0.21 .. 0.24 .. 73.90 0.88 71.83 0.92 .. .. 0.02 .. .. .. 8,372.45 100.00 7,790.30 100.00 15.05 10.98 19.30 16.25 26.80 19.55 19.96 16.80 79.74 58.17 63.38 53.35 .. .. .. .. 15.45 11.27 16.13 13.58 0.01 0.01 0.02 0.01 .. .. .. .. 0.02 0.02 .. .. 137.08 100.00 118.79 100.00 0.70 0.81 1.07 1.24 73.43 84.82 75.62 87.70 .. .. .. .. 12.15 14.04 9.41 10.91 0.29 0.34 0.12 0.14 .. .. 0.01 0.02 .. .. 86.57 100.00 86.23 100.00 58.93 7.35 51.11 7.13 27.74 3.46 18.12 2.53 1.07 0.13 1.79 0.25 .. .. 713.93 89.05 646.09 90.09 .. .. 0.04 .. 0.07 0.01 801.71 100.00 717.17 100.00 0.02 15.09 0.03 23.18 .. 0.39 .. 3.39 .. 1.84 0.03 24.40 .. 3.82 .. 0.43 0.09 78.86 0.06 48.52 .. 0.08 0.11 100.00 0.12 100.00 0.09 1.60 0.02 0.45 .. 0.01 .. 0.12 .. 0.02 0.01 0.22 .. 0.07 5.23 98.13 3.85 99.35 .. 0.01 .. 0.02 5.33 100.00 3.88 100.00 0.33 1.50 0.86 7.71 2.10 9.61 0.49 4.34 .. .. .. 0.01 .. 0.01 .. .. 0.06 0.26 0.17 1.48 .. 0.03 19.39 88.62 9.68 86.43 21.87 100.00 11.20 100.00 15,333.33 14,130.90 Source: Statistics & Data Warehouse Department, SBP
25. 3 .18 Province/Region and Categories of Advances by Borrowers* (Outstanding Position) (Billion Rupees) Jun-2020 Urban Total Total Rural Dec-2019 Urban Total Rural Overall Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 1.11 258.51 0.03 48.61 0.12 308.37 0.44 802.00 1,186.48 102.87 4,762.26 18.42 625.45 3.10 7,501.04 0.44 802.00 1,186.48 103.98 5,020.77 18.45 674.06 3.22 7,809.41 0.46 244.42 0.02 54.98 0.05 299.93 0.33 770.78 1,242.55 124.57 4,886.54 19.93 644.87 1.42 7,690.99 0.33 771.24 1,242.55 124.57 5,130.95 19.95 699.84 1.47 7,990.92 0.37 0.03 223.01 0.02 53.17 0.76 277.34 1.98 878.19 1,160.17 101.30 4,903.01 17.91 623.98 0.79 7,687.33 1.98 878.56 1,160.17 101.33 5,126.02 17.93 677.14 1.55 7,964.67 Punjab Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.30 157.33 .. 11.50 0.04 169.18 0.08 478.78 214.52 12.26 2,262.38 2.96 193.37 1.32 3,165.66 0.08 478.78 214.52 12.56 2,419.71 2.97 204.87 1.36 3,334.85 166.77 0.01 21.05 0.05 187.89 497.24 264.58 14.27 2,226.24 2.09 204.09 1.28 3,209.79 497.24 264.58 14.27 2,393.01 2.10 225.14 1.33 3,397.67 133.83 0.01 16.14 0.01 149.99 561.27 244.70 11.94 2,212.39 3.76 208.79 0.40 3,243.24 561.27 244.70 11.94 2,346.22 3.77 224.93 0.42 3,393.23 Sindh Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 83.48 0.02 27.43 110.93 0.36 270.10 686.42 72.85 2,132.28 4.76 371.16 1.20 3,539.12 0.36 270.10 686.42 72.85 2,215.75 4.79 398.59 1.20 3,650.05 0.39 56.64 0.01 27.02 84.07 0.25 217.08 674.65 92.71 2,278.34 4.28 389.63 0.14 3,657.06 0.25 217.47 674.65 92.71 2,334.98 4.29 416.65 0.14 3,741.14 0.31 0.03 76.53 0.01 27.45 0.69 105.01 1.90 259.40 614.63 70.77 2,289.47 5.34 357.15 0.26 3,598.92 1.90 259.71 614.63 70.79 2,366.00 5.35 384.60 0.95 3,703.94 Khyber Pakhtunkhwa Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.81 5.86 2.19 0.03 8.89 .. 20.52 4.00 56.53 0.03 17.88 0.44 99.41 .. 20.52 4.81 62.39 0.03 20.08 0.47 108.30 5.18 1.88 7.05 22.04 0.06 43.45 0.22 14.25 80.02 22.04 0.06 48.62 0.22 16.13 87.07 5.24 2.86 8.10 22.02 0.06 44.44 0.28 19.48 0.10 86.37 22.02 0.06 49.68 0.28 22.33 0.10 94.47 Balochistan Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 7.38 4.99 12.37 4.04 6.93 3.07 0.01 14.05 4.04 14.30 8.06 0.01 26.42 0.07 12.51 2.87 15.45 3.24 4.83 0.01 2.99 11.07 3.30 17.34 0.01 5.86 26.51 0.06 2.89 4.22 0.05 7.22 3.01 3.84 3.37 10.22 3.07 6.73 7.59 0.05 17.43 Islamabad Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.65 .. 0.36 1.01 48.99 265.02 13.45 296.77 10.67 31.77 0.11 666.78 48.99 265.02 13.45 297.42 10.67 32.13 0.11 667.79 0.60 0.39 0.99 0.08 53.23 281.04 17.54 327.46 13.33 28.96 721.63 0.08 53.23 281.04 17.54 328.06 13.33 29.35 722.63 3.18 0.38 3.55 0.08 54.51 278.57 18.54 345.87 8.53 29.19 0.03 735.31 0.08 54.51 278.57 18.54 349.05 8.53 29.56 0.03 738.86 FATA Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.19 0.16 0.35 0.32 0.15 0.02 0.49 0.32 0.35 0.19 0.85 0.11 0.15 0.26 0.11 0.05 0.16 0.23 0.19 0.42 0.11 0.18 0.29 0.11 0.35 0.46 0.22 0.53 0.75 Provinces/Regions Borrower Jun-2019 Rural Urban * End Position. 50
26. 3 .18 Province/Region and Categories of Advances by Borrowers* (Outstanding Position) Provinces/Regions Borrower Jun-2019 Rural Urban Total Rural Dec-2019 Urban Total Rural (Billion Rupees) Jun-2020 Urban Total Gilgit-Baltistan Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 2.93 0.77 3.70 1.47 2.96 0.01 4.44 4.40 3.74 0.01 8.15 2.23 0.56 2.80 0.25 1.91 1.26 3.42 0.25 4.15 1.82 6.22 0.75 0.73 1.48 0.25 2.72 1.75 4.71 0.25 3.47 2.48 6.19 AJK Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.69 1.20 0.04 1.93 0.09 5.76 .. 5.21 0.01 11.08 0.09 6.45 .. 6.41 0.06 13.01 0.37 1.05 1.42 4.20 .. 3.65 7.84 4.57 .. 4.70 9.26 0.48 1.21 0.01 1.70 4.17 3.92 0.01 8.09 4.65 5.13 0.01 9.79 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. 51
27. 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 662,169 78,028 150,502 43,891 26,984 44,383 9,503 133,723 56,046 Sindh 81,672 10,764 25,169 8,429 7,277 11,294 1,848 40,171 16,976 Khyber Pakhtunkhwa 10,354 1,629 4,162 2,560 1,092 2,096 376 805 611 2,505 404 918 106 67 212 50 93 200 Azad Jammu Kashmir 334 59 149 - - - 24 707 25 Gilgit Baltistan 482 92 256 14 5 13 9 40 57 757,516 90,975 181,156 55,000 35,425 57,998 11,810 175,539 73,914 Punjab 911,164 111,041 149,083 62,447 41,490 41,715 12,913 209,918 48,167 Sindh 133,965 23,818 25,379 12,403 10,164 10,079 2,591 55,345 20,150 17,221 2,588 4,038 4,002 1,697 1,984 516 1,354 925 4,582 664 1,021 135 101 207 58 110 179 69 FY20 Jul-Dec Balochistan All Pakistan Jul-Mar Khyber Pakhtunkhwa Balochistan Azad Jammu Kashmir 365 64 118 - - - 44 1,053 1,011 144 243 16 6 13 9 41 21 1,068,308 138,319 179,883 79,003 53,459 53,998 16,131 267,821 69,511 1,146,396 143,404 148,259 80,048 53,846 40,812 16,341 310,836 54,583 167,396 32,110 27,264 14,651 15,561 13,948 3,229 69,523 23,391 22,651 4,017 4,804 5,107 3,540 2,992 645 1,553 539 6,259 875 1,086 169 130 206 76 929 940 392 67 93 - - - 48 1,316 73 1,165 172 249 24 8 12 9 41 21 1,344,259 180,645 181,755 99,999 73,085 57,970 20,348 384,198 79,546 Punjab 152,889 23,767 149,821 19,795 11,584 41,254 4,799 61,104 53,554 Sindh 22,149 5,899 26,472 3,358 2,100 14,123 800 13,022 27,333 4,080 740 4,677 1,212 477 2,778 157 225 556 Gilgit Baltistan All Pakistan Jul-Jun Punjab Sindh Khyber Pakhtunkhwa Balochistan Azad Jammu Kashmir Gilgit Baltistan All Pakistan FY21 Jul-Sep Khyber Pakhtunkhwa Balochistan 721 140 1,177 39 24 167 32 51 951 Azad Jammu Kashmir 95 22 77 - - - 16 282 29 Gilgit Baltistan 83 16 234 - - 10 1 8 25 180,017 30,584 182,458 24,404 14,186 58,333 5,805 74,692 82,448 Punjab 481,529 71,184 150,994 43,257 27,402 40,928 9,777 165,226 71,224 Sindh 64,814 19,569 27,809 7,592 6,588 14,266 1,608 33,946 37,608 Khyber Pakhtunkhwa 9,496 1,822 4,912 2,327 1,383 3,005 320 788 733 Balochistan 2,132 465 1,204 81 57 171 55 120 975 Azad Jammu Kashmir 148 33 81 - - - 29 654 27 Gilgit Baltistan 260 56 202 3 1 7 4 27 25 558,379 93,128 185,202 53,260 35,430 58,376 11,793 200,761 110,593 All Pakistan Jul-Dec All Pakistan Source: Agricultural Credit & Microfinance Department 52
28. 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 808,592 72,203 134,267 48,290 200,424 102,710 1,572,445 511,362 487,908 Sindh 145,707 9,245 22,333 2,428 24,203 6,575 240,084 91,660 82,348 18,680 2,867 5,225 1,000 1,228 1,100 32,970 7,621 13,193 611 35 102 27 10 16 3,299 609 1,448 11,292 1,699 1,525 993 89 306 12,643 2,553 2,005 2,170 322 742 456 146 467 3,131 603 1,535 987,052 86,371 164,195 53,194 226,099 111,174 1,864,572 614,408 588,438 1,084,245 97,817 130,919 61,850 296,084 100,081 2,132,619 756,351 469,966 227,890 14,235 22,444 3,202 35,857 5,872 380,051 139,420 83,924 25,911 4,181 5,344 1,417 1,473 957 49,067 11,294 13,249 896 54 104 32 32 13 5,703 962 1,524 15,326 2,075 1,477 1,418 150 305 17,153 3,341 1,970 3,054 427 764 559 181 472 4,649 797 1,513 1,357,322 118,789 161,052 68,478 333,777 107,700 2,589,242 912,164 572,145 1,245,525 114,530 126,522 71,869 381,903 97,062 2,560,179 1,004,520 467,237 267,338 17,176 22,221 3,421 53,022 6,523 456,035 187,391 93,347 32,295 4,974 5,232 1,616 1,743 930 62,314 15,827 14,497 1,121 66 99 39 124 16 7,664 2,125 2,347 20,375 2,374 1,420 1,441 153 305 22,256 3,910 1,891 Disbursed Outstanding FY 20 Jul-Dec Khyber Pakhtunkhwa Balochistan Azad Jammu Kashmir Gilgit Baltistan All Pakistan Jul-Mar Punjab Sindh Khyber Pakhtunkhwa Balochistan Azad Jammu Kashmir Gilgit Baltistan All Pakistan Jul-Jun Punjab Sindh Khyber Pakhtunkhwa Balochistan Azad Jammu Kashmir Gilgit Baltistan 3,484 482 746 636 207 479 5,318 910 1,507 1,570,138 139,602 156,240 79,022 437,153 105,315 3,113,766 1,214,684 580,826 Punjab 233,293 24,698 123,375 8,026 92,541 99,666 418,802 213,694 467,670 Sindh 49,866 3,746 21,467 368 12,199 6,988 76,541 36,967 96,383 8,749 1,446 5,480 116 83 923 14,314 2,971 14,414 244 15 106 2 18 22 1,038 247 2,423 1,582 212 1,311 18 4 304 1,711 520 1,720 All Pakistan FY 21 Jul-Sep Khyber Pakhtunkhwa Balochistan Azad Jammu Kashmir Gilgit Baltistan 753 114 775 53 17 479 890 156 1,524 294,487 30,231 152,515 8,583 104,862 108,382 513,296 254,555 584,135 Punjab 539,009 56,667 124,805 53,576 197,116 92,469 1,127,148 517,594 480,419 Sindh 110,119 8,639 21,430 1,641 20,055 6,383 185,774 88,796 107,497 17,563 3,226 6,009 1,076 525 1,005 30,782 7,744 15,663 641 49 114 39 37 28 2,948 728 2,492 Azad Jammu Kashmir 3,288 473 1,238 756 107 327 4,221 1,267 1,673 Gilgit Baltistan 2,251 385 880 805 307 684 3,323 775 1,797 672,871 69,439 154,476 57,893 218,146 100,896 1,354,196 616,905 609,543 All Pakistan Jul-Dec Khyber Pakhtunkhwa Balochistan All Pakistan 53
29. 3 .20 Classification of Scheduled Banks' Bills Purchased and Discounted All Banks (End of Period: Million Rupees) 2020 2019 ECONOMIC GROUPS 1. FOREIGN CONSTITUENTS 2. DOMESTIC CONSTITUENTS I. GOVERNMENT II. NON-FINANCIAL PUBLIC SECTOR ENTERPRISES (NFPSE) III. NON-BANK FINANCIAL INSTITUTIONS (NBFIs) IV. PRIVATE SECTOR (BUSINESS) A. Agriculture, forestry and fishing B. Mining and quarrying C. Manufacturing 1 - Manufacture of food products 2 - Manufacture of beverages 3 - Manufacture of textiles 4 - Manufacture of wearing apparel Inland Bills Jun Import Bills - - 120,073.5 39,340.3 Dec Import Bills Foreign Bills Inland Bills - - - 112,333.6 127,547.1 36,819.6 Jun Import Bills Foreign Bills Inland Bills Foreign Bills - - - - 129,181.4 112,739.1 41,445.3 91,888.6 2.3 197.7 - - 258.8 - 115.0 3,687.8 - 8,445.4 3,600.9 .. 12,904.9 2,522.4 .. 8,919.1 2,522.4 .. - - - - - - - 112,333.3 114,642.2 34,038.3 129,154.6 103,705.0 35,235.1 91,888.6 8.7 - - 111,611.0 35,541.6 5.4 394.0 - - 17.9 7.9 21.3 145.1 75.1 - 201.7 - - 56.7 - 1,470.2 8.5 78,780.6 26,042.0 101,593.8 72,982.5 31,012.2 118,916.6 67,193.3 31,053.2 88,053.2 8,091.5 5,789.5 2,946.2 6,789.7 3,484.8 3,985.2 11,799.0 3,144.7 3,743.2 99.6 502.2 - 99.7 477.5 - 49.9 526.9 - 29,643.9 8,559.9 74,056.7 23,495.4 13,796.8 88,092.6 31,619.6 12,589.4 66,317.1 1,436.5 310.0 18,485.6 1,121.2 281.5 20,853.4 753.1 327.4 14,493.6 5 - Manufacture of leather and related products 129.1 364.9 2,525.7 91.1 1,124.1 3,668.3 117.8 1,024.7 1,732.3 6 - Manufacture of paper and paper products 306.9 728.3 95.6 287.0 2,651.6 98.1 172.6 1,671.2 97.6 24,499.5 1,770.3 992.7 26,365.9 - - 11,460.5 850.7 116.3 8,587.4 1,919.2 577.3 7,722.3 1,748.5 - 6,842.8 3,064.9 10.0 189.7 268.6 2.4 241.2 225.7 62.5 141.4 197.6 32.9 10 - Manufacture of rubber and plastics products 875.6 468.1 82.6 885.6 584.4 232.5 302.8 560.7 - 11 - Manufacture of other non-metallic mineral products 580.1 113.5 322.9 25.0 305.7 238.1 29.4 863.2 238.5 12 - Manufacture of basic metals 13. Manufacture of fabricated metal products, except machinery and equipment 14 - Manufacture of computer, electronic and optical products 439.1 1,046.2 12.2 1,231.1 1,412.5 12.2 294.1 2,468.9 12.2 26.4 457.6 - 29.3 280.3 - 19.7 158.8 - 191.0 2.0 2.1 138.6 1.4 5.8 195.2 - - 15 - Manufacture of electrical equipment 610.0 1,949.8 149.1 848.8 3,194.4 372.7 474.9 2,155.6 223.7 16 - Manufacture of machinery and equipment 328.9 88.4 10.9 294.9 69.5 30.1 275.3 120.4 312.7 17 - Manufacture of motor vehicles, trailers and semi-trailers 605.2 1,283.5 - 599.8 1,192.4 - 557.7 1,145.6 - - - - - 2.8 - 96.5 3.2 - 2,140.2 419.8 1,331.7 2,715.7 178.3 1,265.1 1,991.1 179.2 723.1 1,003.7 - - 2,379.8 31.5 - 1,575.3 6.1 - - - - - - - - - - 7 - Manufacture of coke and refined petroleum products 8 - Manufacture of chemicals and chemical products 9 - Manufacture of basic pharmaceutical products and pharmaceutical preparations 18 - Manufacture of furniture 19. Other manufacturing D. Electricity, gas, steam and air conditioning supply E. Water supply; sewerage, waste management and remediation activities F. Construction 74.6 488.6 - 285.1 198.8 - 103.2 508.5 - 10,645.4 7,786.0 6,802.2 15,386.5 1,871.4 7,822.0 13,839.0 1,932.8 3,284.3 1 - Wholesale and retail trade and repair of motor vehicles and motorcycles 162.2 753.3 232.4 - 28.9 173.6 - 0.5 31.1 2 - Wholesale trade, except of motor vehicles and motorcycles 5,160.7 2,682.2 2,097.4 5,970.5 1,403.9 2,354.1 4,922.7 1,516.3 1,502.4 3 - Retail trade, except of motor vehicles and motorcycles 5,322.4 4,350.5 4,472.5 9,416.0 438.6 5,294.4 8,916.3 416.0 1,750.8 H. Transportation and storage 660.0 22.6 20.0 994.8 - 19.8 125.6 11.2 19.9 I. Accommodation and food service activities 200.0 - - 200.0 39.3 - - - - 8,452.1 .. 939.9 7,136.9 22.4 - 8,269.1 8.4 32.8 G. Wholesale and retail trade; repair of motor vehicles and motorcycles J. Information and communication K. Real estate activities - - - - - - - - - L. Professional, scientific and technical activities 1,477.5 480.0 128.6 2,134.4 547.6 1,472.8 1,951.7 50.3 144.1 M. Administrative and support service activities 3,269.9 324.4 2,558.9 5,309.1 293.2 848.5 4,838.6 32.1 332.7 N. Education - - - - - - - - - O. Human health and social work activities - 4.1 79.2 21.9 4.1 8.2 14.6 5.9 - P. Arts, entertainment and recreation - - - - - - - - - 6,966.7 - 9.2 7,811.2 - 2.1 5,773.4 11.3 4.4 Q. Other service activities V. TRUST FUNDS AND NON PROFIT ORGANIZATIONS VI. PERSONAL VII. OTHER TOTAL - - 0.3 - - - - - - 14.8 - - - - - - - - - - - - - 26.8 - - - 120,073.5 39,340.3 112,333.6 127,547.1 36,819.6 129,181.4 112,739.1 41,445.3 91,888.6 54
30. 3 .21 Classification of Scheduled Banks' Investments in Securities and Shares (End of Period: Million Rupees) 2019 SECURITIES / SHARES Jun Dec Book Value Face Value III. TREASURY BILLS / SHORT TERM FED. BONDS 1) Federal Government 2) Provincial Governments IV. FEDERAL BONDS 2020 Jun Market Book Value Face Value Value Market Book Value Value Face Value Market Value 4,413,307.7 4,450,508.4 4,424,679.0 4,348,350.6 4,543,585.9 4,349,298.7 5,171,021.6 5,324,175.1 5,214,308.1 4,413,307.5 4,450,508.3 4,424,678.9 4,348,350.5 4,543,585.8 4,349,298.5 5,171,021.5 5,324,175.0 5,214,308.0 0.1 0.1 0.1 0.1 2,238,466.1 3,286,756.0 3,334,308.1 3,285,364.4 0.1 0.1 0.1 0.1 4,079,653.6 4,089,525.7 4,138,478.6 1) Compensation Bonds - - - - - - - - - 2) Federal Investment Bonds - - - - - - - - - 2,238,466.1 3,286,756.0 3,334,308.1 3,285,364.4 4,079,653.6 4,089,525.7 4,138,478.6 3) Pakistan Investment Bonds 2,289,925.0 2,304,383.8 0.1 2,289,925.0 2,304,383.8 4) Bearer National Fund Bonds - - - - - - - - - 5) Income Tax Bonds .. .. .. .. .. .. .. .. .. 321,594.3 242,337.0 318,370.9 350,983.3 261,966.9 377,423.3 319,228.5 248,150.5 321,634.5 245,341.8 171,342.4 243,720.1 159,202.6 70,817.2 185,745.3 177,299.0 103,562.4 179,922.9 20,946.4 VI. SHARES 1) Quoted On The Stock Exchange Financial Institutions 16,300.0 9,353.9 15,703.6 15,545.6 8,469.4 16,090.8 21,736.2 15,539.8 NFPSEs 52,680.8 43,990.2 52,056.2 21,756.8 7,391.1 26,005.6 22,647.8 13,737.9 20,913.1 107,573.8 49,211.1 107,173.2 121,900.2 54,956.7 143,649.0 132,915.0 74,284.7 138,063.4 76,252.5 70,994.7 74,650.7 191,780.7 191,149.6 191,678.0 141,929.5 144,588.1 141,711.6 Financial Institutions 5,260.0 7,829.5 5,521.8 9,366.4 11,808.8 9,607.3 12,514.6 17,995.8 12,541.1 NFPSEs 4,529.5 5,916.3 6,322.7 6,761.7 6,033.9 6,323.0 7,038.9 6,813.2 6,815.6 48,616.0 39,402.0 44,959.2 97,134.2 94,788.5 97,229.2 93,415.5 90,818.5 93,394.4 5.7 5.7 5.7 36.9 36.9 36.9 36.9 36.9 36.9 Private Sector 2) Unquoted On The Stock Exchange Private Sector VII. DEBENTURES VIII. PARTICIPATION TERM CERTIFICATES IX. CERTIFICATE OF INVESTEMENTS X. TERM FINANCE CERTIFICATES XI. MODARBA CERTIFICATES XII. MUTUAL FUNDS XIII. NIT UNITS 8.1 25.3 8.1 74.7 91.9 63.5 77.3 77.3 77.3 6,437.4 6,437.4 6,436.7 6,112.4 6,112.4 6,111.7 2,812.4 2,812.4 2,811.7 69,987.2 72,206.6 70,422.6 72,555.2 93,854.1 72,197.5 60,688.8 60,982.3 60,752.2 - - - - - - - - - 4,196.3 4,111.0 4,201.4 8,173.8 7,674.9 8,285.8 6,645.8 5,554.3 6,719.5 2,771.6 1,940.4 2,454.8 2,812.3 1,676.0 2,790.6 3,005.0 1,876.0 2,863.7 XIV. OTHERS 115,256.5 115,140.8 115,422.2 74,509.3 77,359.0 83,525.6 89,316.7 89,418.3 89,706.4 XV. Islamic Banking Products - Investments 610,247.7 600,798.7 610,863.5 578,218.2 568,211.2 585,254.6 877,949.3 870,076.1 889,444.4 a. GOP Ijara Sukuk 222,353.8 214,540.5 220,872.1 205,301.8 196,514.4 205,155.5 331,164.2 327,283.3 330,967.3 b. Corporate Sukuks 359,943.0 359,936.7 361,870.2 344,372.7 343,801.6 351,039.6 497,889.1 495,081.3 508,683.7 93,378.1 93,301.0 93,964.1 90,129.8 89,460.6 90,453.8 160,152.9 159,284.7 161,724.0 145,026.8 144,903.6 146,461.5 176,450.6 176,444.3 182,813.8 221,555.1 218,856.0 230,654.8 4,069.1 4,069.1 4,070.7 4,188.7 4,188.7 4,188.7 4,654.8 4,654.8 4,654.8 1) Diminishing Musharaka Sukuk 2) Ijaraha Sukuk 3) Modaraba Sukuk 4) Wakala Sukuk - - - 125.4 121.4 125.4 91.4 425.0 91.4 117,469.1 117,663.0 117,374.0 73,478.2 73,586.5 73,457.8 111,434.9 111,860.9 111,558.8 c. Wakala Placements - - - - - - - - - d. Commodity Murabaha - - - - - - - - - 5) Any other e. Placements Bai Muajjal f. Strategic Investment – Long Term g. Certificate of Investment (COIs) - Long Term h. Placement with FI - - - - - - - - - 1,467.6 1,467.6 1,379.5 1,467.6 1,467.6 1,403.5 1,467.6 1,467.6 1,494.5 88.1 88.1 88.1 88.1 88.1 88.1 88.1 88.1 88.1 - - - - - - - - - i. Other Mode of Investments – Short Term 477.7 477.7 470.3 504.3 501.4 504.3 584.2 780.0 584.2 j. Other Mode of Investments – Long Term 25,917.6 24,288.2 26,183.4 26,483.7 25,838.2 27,063.7 46,756.2 45,375.8 47,626.7 TOTAL 7,833,737.4 7,797,895.1 7,791,330.9 8,728,582.7 8,894,877.5 8,770,352.6 10,610,435.9 10,692,685.1 10,726,833.4 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. 55
31. 3 .22 Scheduled Banks' Deposits by Rates of Interest (Conventional Banking) (Million Rupees) 2019 RATE OF RETURN 2020 Jun Dec Jun 00.00 4,269,716.4 4,157,920.1 4,620,441.6 01.00* 668,838.8 559,355.6 547,999.9 02.00* 49,057.0 46,477.9 18,753.8 03.00* 4,058.7 7,487.3 59,719.9 04.00* 7,945.2 43,766.5 49,854.8 05.00* 60,282.0 28,810.5 140,670.0 05.25 1,230.3 3,550.6 84,272.7 05.50 5,327.5 4,008.0 130,552.7 05.75 735.9 18,985.5 60,546.6 06.00 9,168.7 40,806.1 268,209.8 06.25 8,553.3 2,977.1 113,083.6 06.50 62,361.6 60,145.2 5,262,425.6 06.75 4,047.4 1,326.9 724,586.2 07.00 2,547.2 617.2 248,937.6 07.25 8,724.8 360.9 54,058.7 07.50 8,769.9 3,673.3 160,748.3 07.75 1,669.3 684.4 72,261.2 08.00 767,277.5 1,093.8 52,718.6 08.25 28,967.5 5,068.9 28,499.8 08.50 129,945.7 4,833.8 12,264.0 08.75 28,106.6 2,068.8 2,741.5 09.00 51,645.1 27,293.8 4,506.3 09.25 11,972.1 5,518.0 1,200.4 09.50 73,041.0 865.8 54,508.5 09.75 22,204.9 68,745.5 10,769.3 10.00 22,491.9 14,898.8 3,831.5 10.25 3,695,762.9 20,370.6 8,698.8 10.50 578,374.9 26,161.2 8,096.7 10.75 156,934.7 17,021.7 2,214.3 11.00 206,601.1 19,804.0 2,179.6 11.25 72,588.1 4,629,909.8 3,352.8 11.50 125,713.4 930,891.8 11,776.3 11.75 35,912.9 123,413.8 1,758.4 12.00 183,973.3 233,996.8 29,802.2 12.25 41,715.8 204,296.7 21,795.3 12.50 85,385.0 156,235.4 16,989.9 12.75 27,047.2 69,019.5 5,846.9 13.00 43,588.9 126,957.4 107,142.2 13.25 11,567.5 68,961.7 23,067.7 13.50 27,454.0 46,835.0 52,020.5 13.75 24,339.0 52,900.7 61,660.8 14.00 47,977.4 29,243.1 62,376.4 14.25 55,655.8 15,787.5 90,551.7 14.50 12,820.0 101,956.7 - 14.75 36,023.9 32,077.1 - 15.00 & above 10,311.0 173,401.8 - 11,788,433.0 12,190,582.6 13,297,493.7 Total *01.00 stands for 0.01 to 1.00 *02.00 stands for 1.01 to 2.00 So on Source: Statistics & Data Warehouse Department, SBP 56
32. 3 .23 Scheduled Banks' Deposits by Rates of Return (Islamic Banking) (Million Rupees) 2020 2019 RATE OF RETURN Jun Dec Jun 00.00 779,326.5 817,620.6 1,007,811.7 01.00* 109,725.6 100,933.6 203,140.1 02.00* 9,475.4 15,944.8 17,848.2 03.00* 68,977.4 55,781.5 101,607.2 04.00* 10,665.9 15,670.7 492,129.0 05.00* 71,894.9 8,942.6 126,304.5 05.25 205,420.1 766.2 24,738.9 05.50 32,392.0 8,351.7 147,006.8 05.75 42,663.1 19,338.0 21,649.0 06.00 116,091.5 64,808.7 60,318.6 06.25 15,630.7 6,328.3 40,963.7 06.50 58,828.4 23,769.6 245,377.5 06.75 15,582.9 4,949.2 29,410.7 07.00 24,951.2 210,254.5 73,711.8 07.25 9,531.3 46,402.6 61,989.8 07.50 19,587.5 83,359.1 86,065.6 07.75 70,318.8 24,272.6 17,561.7 08.00 35,676.1 11,217.0 11,026.2 08.25 12,485.0 23,770.4 49,798.9 08.50 23,160.8 13,946.2 6,410.8 08.75 47,797.6 6,842.2 3,081.3 09.00 19,742.8 20,991.8 9,498.3 09.25 10,978.5 18,212.0 30,945.5 09.50 14,875.2 54,601.0 12,970.8 09.75 4,603.7 29,704.2 1,286.7 10.00 15,726.2 18,753.6 582.8 10.25 105,030.1 106,280.5 1,054.6 10.50 78,284.7 10,062.0 2,387.9 10.75 57,026.0 21,192.1 18.7 11.00 14,595.1 8,577.4 546.0 11.25 13,204.0 185,018.1 210.0 11.50 38,204.3 22,629.6 750.4 11.75 8,704.6 23,336.7 1,492.8 12.00 22,039.3 86,096.1 3,616.8 12.25 23,088.0 40,885.1 1,180.2 12.50 25,311.4 42,509.1 1,735.3 12.75 3,303.2 106,386.1 2,461.7 13.00 10,762.2 32,551.1 2,625.0 13.25 1,875.5 42,685.5 1,079.8 13.50 - 9,254.3 2,043.7 13.75 1,000.0 4,229.9 952.5 14.00 - 4,912.1 2,404.5 14.25 - 1,291.4 100.0 14.50 - 73.1 - 14.75 - 33.1 - 15.00 & above - - - 2,248,537.5 2,453,536.2 2,907,895.8 Total Source: Statistics & Data Warehouse Department, SBP *01.00 stands for 0.01 to 1.00 *02.00 stands for 1.01 to 2.00 So on 57
33. 3 .24 Scheduled Banks' Advances by Rates of Interest (Conventional Banking) (End of period : Million Rupees) 2019 RATE OF RETURN 00.00 01.00* 02.00* 03.00* 04.00* 05.00* 06.00* 07.00* 08.00* 08.25 08.50 08.75 09.00 09.25 09.50 09.75 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 & above TOTAL Jun 2020 Dec Jun Overall Private Sector Overall Private Sector Overall Private Sector 228,423.3 11,456.2 21,878.9 420,643.0 75,704.8 119,184.7 33,627.9 136,635.7 101,487.3 4,518.8 5,215.6 7,231.1 17,724.9 22,163.0 22,152.6 11,668.8 50,504.7 30,215.6 48,188.2 22,165.0 173,564.8 200,124.7 202,070.4 201,934.7 448,959.4 275,990.2 432,763.3 225,510.4 559,580.7 204,476.8 273,774.3 267,476.6 418,394.3 128,863.9 75,723.1 108,014.9 143,764.6 26,686.4 37,702.8 42,058.7 75,004.4 35,006.4 9,931.0 21,207.1 31,438.7 4,928.2 5,364.1 8,172.7 17,508.6 3,952.2 2,204.3 6,619.8 71,648.0 2,174.3 887.2 610.1 141,138.8 177,735.6 10,151.2 21,878.9 391,492.1 64,693.1 87,831.7 28,015.4 101,511.3 101,487.3 3,450.1 5,215.6 7,211.2 17,557.5 13,847.8 22,152.6 11,668.8 47,533.3 29,210.9 47,230.0 22,165.0 150,152.2 176,740.9 154,874.2 148,047.9 250,226.9 146,938.7 147,583.8 143,940.5 389,592.3 187,800.1 153,236.8 167,620.7 257,473.8 93,320.5 73,812.0 106,660.3 110,436.6 26,686.4 37,702.8 42,058.7 68,599.2 35,006.4 9,931.0 21,207.1 28,091.2 4,928.2 5,364.1 8,172.7 17,508.6 3,648.9 2,204.3 6,619.8 71,648.0 2,174.3 887.2 610.1 141,138.8 290,262.8 7,770.8 15,143.5 482,196.7 123,002.6 110,405.6 31,378.4 19,513.8 35,599.5 4,959.5 2,794.2 9,960.2 3,192.8 1,567.7 3,501.5 3,663.6 50,591.8 2,253.6 10,887.8 12,189.8 22,201.1 25,353.9 27,346.2 20,593.2 67,830.4 27,544.2 38,600.8 65,070.7 104,638.2 67,980.4 190,327.5 388,025.2 555,257.7 457,486.4 634,393.6 506,054.0 345,974.7 263,713.0 157,462.6 208,760.5 78,592.0 77,283.2 69,621.5 120,114.0 32,009.5 54,546.9 32,427.9 45,306.1 48,398.1 15,566.6 58,403.4 33,211.7 79,411.3 10,963.0 8,310.3 7,713.5 180,801.3 275,934.9 6,455.8 15,143.5 481,842.7 123,002.6 104,669.7 30,312.7 18,752.1 34,939.3 4,128.3 2,794.2 9,960.2 3,025.4 1,567.7 3,501.5 3,663.6 50,591.8 2,253.6 10,887.8 12,189.8 22,201.1 22,279.9 19,102.3 20,593.2 20,942.9 27,544.2 26,641.3 31,144.5 100,985.3 50,480.4 142,082.9 290,499.8 390,757.3 254,935.3 252,658.9 320,727.7 167,874.0 188,030.3 132,019.9 152,241.7 66,566.4 72,604.3 54,837.8 84,184.0 31,485.6 54,201.5 26,118.2 35,782.1 42,265.4 15,561.3 58,203.4 33,211.7 75,455.8 10,963.0 8,310.3 7,713.5 180,798.8 389,412.8 13,114.4 29,036.6 540,855.4 130,412.5 91,295.1 58,315.6 12,445.0 235,874.7 300,418.3 176,050.6 300,044.3 186,657.7 223,632.6 93,752.4 148,522.8 45,135.4 86,291.8 31,521.1 48,414.1 43,464.6 123,125.0 105,471.2 249,411.4 240,037.1 315,266.6 139,364.0 95,068.7 242,941.3 122,984.7 39,471.4 66,923.2 144,354.8 136,885.1 74,717.1 82,504.8 44,643.7 185,516.2 31,750.8 29,330.1 32,712.3 62,786.7 42,053.2 8,514.4 10,257.3 10,282.0 14,159.2 8,012.5 16,349.9 42,606.4 13,930.5 24,622.4 101,644.3 14,494.4 10,745.0 15,373.4 144,533.9 382,941.7 11,362.6 27,969.9 540,735.9 115,996.0 91,281.6 44,702.2 12,065.2 174,586.9 128,108.3 131,570.8 153,627.7 112,304.0 153,825.7 72,950.1 85,906.2 42,573.1 78,738.2 30,436.2 48,347.6 43,219.2 89,413.8 68,193.8 86,478.3 124,579.5 135,095.5 54,513.8 76,427.8 190,113.1 80,906.0 37,454.3 58,938.9 107,360.1 101,728.4 70,668.7 80,560.1 41,058.8 105,455.7 23,854.1 29,330.1 31,758.1 62,785.6 42,043.8 8,514.4 10,257.3 10,222.3 14,159.2 8,012.5 16,349.9 33,873.1 13,930.5 24,622.4 101,644.3 14,369.6 10,745.0 15,373.4 144,533.9 6,276,021.1 4,604,685.3 6,348,130.3 4,687,622.9 6,227,513.0 4,608,575.3 Source: Statistics & Data Warehouse Department, SBP *01.00 stands for 0.01 to 1.00 *02.00 stands for 1.01 to 2.00 So on 58
34. 3 .25 Scheduled Banks' Advances by Rates of Return (Islamic Banking) (End of Period: Million Rupees) 2020 2019 Jun RATE OF RETURN 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 TOTAL * 1.00 stands for : : * 8.00 stands for Dec Jun Overall Private Sector Overall Private Sector Overall Private Sector 76,558.4 16.6 5,221.2 63,978.2 13,596.1 10,233.8 5,813.5 64,098.8 52,152.3 5,561.6 11,930.8 29,791.3 8,986.0 13,246.3 18,446.1 4,086.6 13,540.8 10,509.3 8,799.0 16,384.9 50,096.5 29,527.4 35,197.4 72,479.6 80,265.0 70,735.0 158,792.3 38,376.0 98,659.3 71,633.6 67,911.9 41,730.4 87,460.8 20,055.9 30,408.5 13,750.8 33,058.5 6,211.3 11,790.1 5,842.7 9,529.4 5,310.7 3,055.3 5,339.9 7,871.1 2,641.8 3,105.3 2,851.6 4,579.1 4,237.1 1,613.1 1,716.3 7,087.8 1,211.5 1,349.9 1,798.1 13,156.5 76,400.0 12.8 5,219.7 63,973.2 13,496.1 6,893.2 4,875.5 45,456.6 43,605.2 5,554.6 11,688.9 18,276.2 8,983.3 9,238.6 18,446.1 4,086.6 13,540.2 9,509.9 8,799.0 14,962.9 33,597.8 27,350.5 25,197.4 66,468.3 40,274.8 33,931.7 41,301.5 34,205.0 85,738.9 68,829.5 58,026.5 41,397.9 72,889.9 20,055.9 29,406.2 13,750.8 33,058.5 6,211.3 11,790.1 5,842.7 9,529.4 5,310.7 3,055.3 5,339.9 7,871.1 2,641.8 3,105.3 2,851.6 4,579.1 4,237.1 1,613.1 1,716.3 7,087.8 1,211.5 1,349.9 1,798.1 13,156.5 124,977.8 50.0 5,938.4 89,434.6 27,001.0 19,370.1 4,805.5 35,782.7 15,937.5 2,772.8 10,181.4 29,278.3 4,876.0 3,821.4 2,173.1 2,658.5 3,270.6 2,786.1 2,662.1 3,036.9 5,320.4 2,506.4 2,377.4 10,018.2 4,257.1 16,784.5 6,381.6 41,000.0 9,892.5 26,087.2 24,285.0 46,504.7 126,423.4 157,515.6 153,349.6 128,457.5 64,973.2 75,885.6 46,988.0 24,113.3 55,000.2 16,182.0 23,937.2 10,635.8 23,281.5 12,845.2 13,938.6 8,944.5 9,972.3 5,632.1 10,906.9 4,070.7 26,785.1 4,064.0 7,907.7 11,193.3 33,555.4 124,142.3 50.0 5,938.4 89,434.6 27,001.0 16,148.0 4,805.5 29,484.8 15,935.0 2,768.8 7,975.6 11,263.3 4,873.3 3,813.8 2,173.1 2,658.5 3,270.6 2,759.7 2,662.1 3,029.6 5,320.4 2,505.3 2,377.4 10,018.2 4,257.1 3,260.2 6,380.9 2,880.0 5,175.1 16,763.9 16,681.5 46,499.6 99,075.9 95,999.0 85,041.7 95,767.6 61,012.7 42,887.8 45,240.1 24,113.3 53,838.9 16,182.0 23,768.4 10,635.8 23,170.8 12,845.2 13,935.3 8,515.9 9,972.3 5,632.1 10,906.9 4,018.4 6,785.1 4,064.0 7,907.7 5,068.3 33,555.4 131,346.6 1,209.1 3,714.2 131,502.3 11,652.6 16,933.9 9,227.1 13,322.2 67,233.2 77,456.0 46,078.7 79,064.9 49,499.4 59,325.4 36,609.2 59,682.4 25,396.4 15,916.4 10,379.9 18,637.8 24,700.1 100,293.6 11,326.3 84,369.6 60,379.0 23,500.0 34,000.6 17,616.2 15,010.4 16,784.0 43,693.5 30,376.6 40,713.1 40,434.6 37,781.3 40,197.6 31,375.4 23,257.7 30,669.6 17,478.0 15,015.6 19,800.2 15,950.3 5,354.1 13,971.4 4,531.5 7,591.6 3,424.0 7,011.9 2,063.2 4,102.3 2,443.4 3,727.5 2,341.9 3,320.1 1,874.9 36,488.4 130,573.8 1,209.1 3,714.2 131,502.3 11,652.6 16,933.9 7,565.5 8,539.1 48,992.6 59,030.6 17,469.3 68,462.8 26,090.4 43,278.7 36,609.2 32,835.2 25,396.4 15,907.7 10,379.9 16,524.3 24,347.0 23,183.5 11,326.3 11,514.4 16,824.2 18,416.0 11,000.6 17,604.6 15,010.4 16,784.0 24,662.3 24,630.0 40,109.6 38,629.3 33,757.2 26,458.3 27,568.0 19,595.7 30,669.6 17,478.0 15,015.5 17,589.6 15,950.3 5,354.1 13,971.4 4,531.5 7,591.6 3,424.0 7,011.9 2,063.2 4,102.3 2,443.4 3,727.5 2,341.9 3,320.1 1,874.9 36,488.4 1,533,389.4 1,208,798.8 0.25 to 1.00 : : : : 7.25 to 8.00 59 1,642,788.8 1,282,248.3 1,737,157.0 1,309,038.2 Source: Statistics & Data Warehouse Department, SBP
35. 3 .26 Scheduled Banks' Weighted Average Rates of Return on Deposits Overall – All Banks TYPE OF DEPOSITS I. II. III. (Percent per annum) 2020 2019 Call Deposits Saving Deposits Jun Dec Jun 6.76 7.85 3.25 (2.09) (1.92) (2.20) 8.59 10.01 5.86 (66.19) (64.73) (67.29) 9.45 10.92 6.57 (7.60) (6.27) (5.74) Term or Fixed Deposits (a) Less than 3 months (b) 3 months and over but less than 6 months 8.99 9.97 5.77 (6.59) (6.64) (5.91) 8.05 9.86 6.17 (4.91) (5.03) (4.01) 9.49 10.82 7.52 (9.52) (11.44) (11.63) 9.44 10.75 7.26 (0.38) (0.97) (0.43) (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 (f) 3 years and over but less than 4 years 9.53 10.62 7.07 (0.89) (0.89) (0.87) 10.99 9.45 5.42 (0.03) (0.11) (0.06) 9.93 10.80 6.79 (1.81) (2.00) (1.86) (i) Excluding current and other deposits 8.74 10.13 6.08 (ii) Including current and other deposits 5.67 6.77 4.03 (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 deposits excluding current and other deposits. 60
36. 3 .27 Scheduled Banks' Weighted Average Rates of Return on Deposits Conventional Banking– All Banks (Percent per annum) 2020 2019 TYPE OF DEPOSITS I. II. III. Call Deposits Saving Deposits Jun Dec Jun 7.01 8.48 3.51 (2.41) (2.13) (2.48) 8.99 10.44 6.25 (66.53) (65.50) (67.70) 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 10.04 11.37 6.74 (7.86) (6.56) (6.04) 9.42 9.96 5.77 (6.79) (7.14) (6.52) 8.43 9.39 6.04 (3.52) (4.29) (3.71) (d) 1 year and over but less than 2 years 9.59 11.02 7.92 (10.15) (11.53) (10.87) (e) 2 years and over but less than 3 years 9.58 11.53 7.96 (0.32) (0.33) (0.27) (f) 3 years and over but less than 4 years 9.56 10.67 7.42 (0.68) (0.71) (0.73) 10.94 10.07 5.93 (0.04) (0.11) (0.06) 10.02 10.42 6.60 (1.71) (1.70) (1.60) (i) Excluding current and other deposits 9.12 10.45 6.37 (ii) Including current and other deposits 5.87 6.96 4.22 (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. 61
37. 3 .28 Scheduled Banks' Weighted Average Rates of Return on Deposits Islamic Banking – All Banks (Percent per annum) 2019 TYPE OF DEPOSITS I. II. III. Jun Call Deposits Saving Deposits Jun 0.81 0.89 0.31 (0.48) (0.92) (0.98) 6.52 7.82 4.08 (64.50) (61.13) (65.46) 5.82 8.12 5.56 (6.28) (4.89) (4.39) 6.44 10.09 5.76 (5.59) (4.25) (3.21) Term or Fixed Deposits (a) Less than 3 months (b) 3 months and over but less than 6 months (c) 6 months and over 7.49 10.99 6.56 but less than 1 year (11.78) (8.53) (5.30) (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 IV. 2020 Dec 8.75 9.83 6.25 (6.41) (11.04) (15.01) 9.12 10.45 6.51 (0.67) (4.03) (1.13) 9.46 10.51 6.30 (1.94) (1.71) (1.49) (g) 4 years and over but 11.78 5.62 3.40 less than 5 years (0.01) (0.09) (0.06) (h) 5 years and over 9.60 (2.33) 11.69 (3.41) 7.25 (2.97) (i) Excluding current and other deposits 6.85 8.64 4.78 (ii) Including current and other deposits 4.59 5.82 3.15 Overall Source: Statistics & Data Warehouse Department, SBP Note: Figures in parentheses represent as percentage of total interest bearing deposits excluding current and other deposits. 62
38. 3 .29 Scheduled Banks' Weighted Average Rates of Return / Interest on Advances (Percent per annum) Stock AS AT THE END OF I. 2019 2020 II. 2019 2020 III. 2019 2020 Precious Exchange Metals Securities Real Financial Unsecured TOTAL Merchandise Machinery Estate Obligations Others Advances ADVANCES OVERALL- ALL BANKS Jun 11.20 12.15 10.45 11.59 11.05 10.53 11.76 27.80 11.54 Dec 12.67 13.39 11.27 12.83 11.68 11.86 13.85 25.93 12.82 Jun 14.12 11.43 9.02 9.95 9.48 8.72 10.86 28.05 10.32 CONVENTIONAL BANKING - ALL BANKS Jun 11.20 12.34 10.32 11.74 11.09 10.74 11.88 28.12 11.64 Dec 12.67 14.08 11.20 12.89 11.55 12.01 14.08 26.14 12.92 Jun 14.13 10.77 8.87 9.60 9.27 8.62 10.95 28.20 10.30 ISLAMIC BANKING-ALL BANKS Jun 11.26 10.99 11.07 10.87 9.31 11.34 5.76 11.13 Dec 10.95 11.59 12.63 12.14 10.35 12.92 12.92 12.40 13.12 9.56 11.06 10.29 9.30 10.55 6.86 10.37 Jun 10.25 Source: Statistics & Data Warehouse Department, SBP 63
39. 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 01/08/2018 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 7.8526 01/09/2018 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 7.8526 01/10/2018 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 7.8526 01/11/2018 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 8.8492 01/12/2018 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 8.8492 01/01/2019 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 10.3499 01/02/2019 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 10.3499 01/03/2019 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 10.5999 01/04/2019 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 10.5999 01/05/2019 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 11.0899 01/06/2019 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 12.8010 01/07/2019 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 12.8010 01/08/2019 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 13.9500 01/09/2019 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 13.9399 01/10/2019 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 13.8390 01/11/2019 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 13.2999 01/12/2019 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 13.2899 01/01/2020 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 13.2899 01/02/2020 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 13.2890 01/03/2020 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 13.3401 01/04/2020 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 11.1895 01/05/2020 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 7.4750 01/06/2020 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 7.7499 01/07/2020 2.0 1.0 3.0 4.0 3.5 6.0 6.0 3.5 2.5 2.0 7.3600 01/08/2020 2.0 1.0 3.0 4.0 3.5 6.0 6.0 3.5 2.5 2.0 7.1400 01/09/2020 2.0 1.0 3.0 4.0 3.5 6.0 6.0 3.5 2.5 2.0 7.3000 01/10/2020 2.0 1.0 3.0 4.0 3.5 6.0 6.0 3.5 2.5 2.0 7.3090 01/11/2020 2.0 1.0 3.0 4.0 3.5 6.0 6.0 3.5 2.5 2.0 7.2990 01/12/2020 2.0 1.0 3.0 4.0 3.5 6.0 6.0 3.5 2.5 2.0 7.2498 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. 64
40. 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 Aug-2020 Public 8.24 8.24 8.43 8.43 9.81 9.81 10.97 10.97 3.27 3.64 5.52 5.52 4.49 4.77 6.34 6.33 Private 7.48 7.74 7.60 7.89 8.49 8.53 9.02 9.07 3.01 2.96 5.66 5.63 3.66 3.64 5.75 5.73 Foreign 7.43 7.65 7.43 7.66 7.80 7.80 8.07 8.07 5.32 5.66 6.20 6.20 4.56 4.59 5.97 5.97 Specialized 13.08 13.08 13.08 13.08 6.80 6.80 13.99 13.99 4.35 4.35 5.62 5.62 5.30 5.30 6.07 6.07 All Banks 7.51 7.77 7.62 7.91 8.72 8.75 9.44 9.48 3.09 3.09 5.66 5.64 3.84 3.87 5.88 5.86 Public 9.02 9.03 9.03 9.03 9.29 9.27 10.51 10.50 4.09 4.40 5.80 5.80 4.31 4.59 6.29 6.28 Private 7.81 8.00 7.92 8.12 8.13 8.15 8.65 8.67 3.17 3.12 5.86 5.85 3.62 3.60 5.71 5.70 Foreign 7.71 7.71 7.71 7.71 7.70 7.70 7.99 7.99 4.24 4.62 6.14 6.14 4.24 4.27 5.87 5.87 Specialized 12.90 12.90 12.90 12.90 7.10 7.10 13.87 13.87 3.23 3.23 5.82 5.82 5.27 5.27 6.03 6.03 All Banks 7.84 8.03 7.95 8.15 8.34 8.35 9.06 9.08 3.29 3.28 5.86 5.84 3.77 3.80 5.83 5.82 Public 10.37 10.37 10.77 10.77 10.06 10.04 11.29 11.28 4.21 4.34 5.61 5.61 4.33 4.55 6.21 6.20 Private 7.94 8.08 8.11 8.28 8.02 8.04 8.50 8.53 2.79 2.75 5.58 5.55 3.59 3.56 5.67 5.65 Foreign 7.89 7.89 7.89 7.89 7.73 7.73 8.03 8.04 4.24 4.35 6.14 6.14 3.94 3.98 5.86 5.86 Specialized 12.80 12.80 12.80 12.80 6.20 6.20 13.64 13.64 3.33 3.33 5.84 5.84 5.17 5.17 6.01 6.01 All Banks 8.02 8.16 8.20 8.36 8.40 8.41 9.09 9.11 2.98 2.97 5.60 5.58 3.74 3.76 5.79 5.77 Public 9.49 9.49 9.59 9.59 9.27 9.25 10.64 10.63 3.69 3.87 5.49 5.49 4.09 4.26 6.06 6.04 Private 8.03 8.36 8.13 8.48 7.85 7.87 8.34 8.37 2.72 2.69 5.61 5.58 3.51 3.49 5.62 5.60 Sep-2020 Oct-2020 Nov-2020 R Foreign 7.68 7.69 7.68 7.70 7.70 7.70 7.96 7.96 3.81 4.27 5.88 5.88 4.04 4.08 5.82 5.82 Specialized 12.74 12.74 12.74 12.74 6.53 6.53 13.53 13.53 3.18 3.18 5.72 5.72 5.22 5.22 5.99 5.99 All Banks 8.09 8.41 8.18 8.52 8.11 8.13 8.83 8.85 2.87 2.87 5.60 5.58 3.64 3.65 5.71 5.70 Public 9.27 9.31 9.67 9.72 8.56 8.54 9.96 9.94 3.70 4.28 5.81 5.81 3.99 4.40 6.06 6.04 Private 8.02 8.16 8.15 8.30 7.81 7.83 8.26 8.29 3.24 3.20 5.78 5.76 3.50 3.48 5.57 5.56 Dec-2020 P Foreign 7.79 7.79 7.79 7.79 7.67 7.67 7.93 7.93 3.53 4.28 5.94 5.93 3.98 4.00 5.86 5.86 Specialized 12.76 12.76 12.76 12.76 7.54 7.54 13.40 13.40 2.97 2.97 5.77 5.77 5.00 5.00 5.96 5.96 All Banks 8.10 8.23 8.23 8.38 7.96 7.97 8.64 8.66 3.31 3.36 5.79 5.77 3.61 3.67 5.68 5.67 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. 65
41. Weighted Average Lending and Deposits Rates All Banks 15 .5% 14.0% 12.5% Rates 11.0% 9.5% 8.0% 6.5% 5.0% Oct-20 Nov-20 Dec-20 Nov-20 Dec-20 Sep-20 Aug-20 Oct-20 Fresh Deposits Jul-20 Jun-20 May-20 Apr-20 Mar-20 Jan-20 Dec-19 2.0% Feb-20 3.5% Gross Disbursment All Banks 14.0% 12.5% 11.0% 8.0% 6.5% 5.0% Outstanding Deposits Note: Including zero rate of markup 66 Sep-20 Aug-20 Jul-20 Jun-20 May-20 Apr-20 Mar-20 Jan-20 2.0% Feb-20 3.5% Dec-19 Rates 9.5% Outstanding Loans
42. 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 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 2017-18 14.21 14.21 14.40 15.8 11.52 11.52 2018-19 14.21 14.21 14.4 15.8 15.3 15.3 2019-20 12.3 12.2 16.7 18.0 15.7 15.7 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 markup rates (average) in FY 2011-12 67
43. 3 .33 Rates of Profit on National Saving Schemes ( Percent per annum) 2018 SCHEME 1. 2019 2020 1st Nov 1st Jan 1st Jul 1st Nov 1st Jan 24th Apr 2nd Jun 2nd Jul 4th Aug 28th Aug Saving Accounts (i) With cheque facilities 7.00 8.50 10.25 8.20 8.60 7.00 6.50 5.50 5.50 5.50 (ii) Without cheque facilities 7.00 8.50 10.25 8.20 8.60 7.00 6.50 5.50 5.50 5.50 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 (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) 6.00 8.00 9.00 6.00 6.00 4.00 3.00 3.00 3.00 3.00 10.03 12.47 13.01 10.68 10.40 8.54 8.05 8.11 8.44 8.49 13.0 13.0 13.0 13.0 13.0 13.0 13.0 13.0 13.0 13.0 1 year (Rollover) or Special Saving Accounts (i) First 5 periods of complete 6 months (ii) Last period of complete 6 months 8.60 11.40 12.70 11.00 11.00 8.00 7.10 7.00 7.80 7.60 10.00 12.40 13.90 11.80 11.80 8.60 7.40 7.30 7.20 8.60 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 9.72 12.00 12.96 10.92 10.56 8.28 7.44 7.61 7.80 8.04 8. Pensioner’s Benefit Accounts7 11.88 14.28 14.76 12.48 12.24 10.32 9.84 9.96 10.32 10.32 11.88 14.28 14.76 12.48 12.24 10.32 9.84 9.96 10.32 10.32 9. Behbood Saving Certificate8 10. Short Term Saving Certificate9 (i) 3 Months 8.28 9.80 12.08 12.08 12.76 7.80 7.72 6.80 6.12 6.60 (ii) 6 Months 8.38 9.88 12.18 12.18 12.60 7.50 7.36 7.76 6.14 6.80 (iii) 1 year 8.48 9.98 12.28 12.28 12.37 6.95 7.30 6.66 6.20 6.80 11.88 14.28 14.76 12.48 12.24 10.32 9.84 9.96 10.32 10.32 11. Shuhada Family Welfare account10 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. Rates are quoted for outstanding amount as on today. 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 especially 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 10. Shuhada Family Welfare Account (SFWA) is offered to benefit the families of Shuhada of Armed Forces, Law Enforcement agencies and civilians to invest in a way for providing maximum social security net to the deserving segment of society w.e.f 23rd May 2018. 68
44. 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 2016 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 Q4 405,673 37,260,215 21,139 175,149 766,540 4,377 1,946,100 Q1 403,100 38,507,887 17,051 192,890 776,491 4,234 2,398,849 Q2 405,571 39,246,468 15,345 215,896 914,089 4,252 2,051,068 Q3 413,177 43,102,952 16,580 225,753 972,714 4,309 2,508,365 Q4 425,199 47,164,779 23,678 266,980 1,005,518 3,766 2,966,439 Q1 408,980 51,809,393 30,263 296,010 1,012,248 3,420 3,288,996 Q2 421,053 35,730,704 25,664 327,524 1,138,388 3,476 3,639,153 Q3 425,945 39,693,557 26,591 322,174 1,157,029 3,591 3,579,706 Q4 437,182 46,103,017 28,770 363,546 1,197,115 3,293 4,039,399 Q1 434,192 48,345,517 31,935 407,258 1,292,313 3,173 4,525,085 Q2 445,181 52,522,222 36,660 396,687 1,504,934 3,794 4,407,635 Q3 461,953 58,137,695 41,870 461,960 1,919,210 4,154 5,132,891 2017 2018 2019 2020 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. 69
45. 3 .35 Telegraphic Transfers Issued and En-cashed by State Bank of Pakistan ( Million Rupees ) PERIOD 2018 2019 2019 2020 2020 Nov Dec Sep Oct Nov Dec Issued 1,211,346 1,328,205 465,225 72,390 111,813 5 21,000 2 803 En-cashed 1,806,973 2,271,515 3,085,544 162,892 232,421 345,161 229,113 260,558 291,799 Issued 1,242,359 1,655,367 1,175,068 128,067 113,043 149,877 80,550 83,486 93,164 En-cashed 520,000 671,300 240,300 61,000 46,000 - - - - Issued 180,642 207,155 211,438 17,900 25,801 30,545 15,591 15,691 29,446 En-cashed 223,985 243,692 104,141 18,370 17,315 1 2 1 1,000 Issued 24,811 41,827 55,081 4,610 6,977 6,533 1,700 2,580 12,483 En-cashed 92,298 102,740 92,885 10,771 6,009 6,300 7,500 8,310 8,500 Issued 141,062 138,959 162,277 7,015 8,498 45,619 10,950 19,731 16,781 En-cashed 141,477 144,717 82,159 8,492 10,828 400 300 2,000 1,600 Issued 197,224 329,380 178,972 42,565 22,544 13,439 8,595 11,826 19,077 En-cashed 279,744 273,453 85,999 15,320 19,904 550 600 900 600 Issued 9,859 17,691 14,193 1,740 305 3,850 2,000 - 84 En-cashed 54,986 47,037 39,511 1,000 10,880 20 - - - Issued 367,102 476,134 953,338 12,435 90,925 54,475 87 18,255 112,671 En-cashed 326,279 475,218 96,681 38,250 44,505 3 200 - - Issued 40,818 29,231 248,209 722 1,166 6,173 2,782 5,376 1,028 En-cashed 93,808 106,767 71,538 7,600 14,752 200 100 500 300 Issued 18,004 12,531 23,069 600 800 3,567 10 712 233 En-cashed 131,855 164,194 71,889 15,825 15,776 1,300 1,700 2,000 2,300 Issued 23,060 13,250 23,396 8 5 5,025 1,164 425 263 En-cashed 88,728 66,739 20,422 4,731 17 - - - - Issued 102,919 13,654 13,004 1,000 1,650 1,903 300 1,309 1,150 En-cashed 95,503 20,867 8,771 68 1,340 3 - - - Issued 1,507 560 11,839 - - - 1,020 200 1,006 En-cashed 37,872 51,990 29,456 2,850 5,952 - - 1,000 - Issued 61,580 48,420 50,140 4,170 4,278 4,660 2,690 3,180 5,420 En-cashed 5,221 8,715 4,187 151 446 40 38 25 27 Issued 17,661 19,973 19,759 1,470 1,341 3,517 3,822 1,280 2,670 En-cashed 89,990 155,738 50,371 8,777 9,120 900 1,400 1,700 1,600 Issued 3,639,954 4,332,336 3,605,006 294,692 389,145 329,188 152,260 164,053 296,278 En-cashed 3,988,719 4,804,682 4,083,852 356,097 435,265 354,878 240,952 276,994 307,726 Karachi Lahore Peshawar Quetta Faisalabad Rawalpindi Hyderabad Islamabad Multan Sialkot Sukkur D.I. Khan Bahawalpur Muzaffarabad Gujranwala TOTAL Source: SBP-BSC field offices 70
46. 3 .36 Clearing House Statistics (Thousand Cheques) ( Million Rupees ) PERIOD 2019 2018 Karachi Lahore Peshawar Quetta Faisalabad Rawalpindi Hyderabad Islamabad Multan Sialkot Sukkur D.I. Khan Others TOTAL 2019 2020 2020 No. of Cheques Cleared 30,786 24,637 Nov Dec Sep Oct Nov Dec 18,524 1,782 1,882 1,726 1,637 1,694 1,806 Amount 12,261,734 11,345,271 9,962,227 892,897 970,097 942,655 860,527 929,228 993,594 No. of Cheques Cleared 10,223 9,081 7,503 698 734 667 669 671 712 Amount 5,279,635 5,086,338 5,012,278 407,562 417,686 463,604 469,053 461,519 509,371 No. of Cheques Cleared 1,647 1,615 2,445 119 130 1,197 122 123 134 Amount 1,177,565 1,290,981 1,306,671 90,029 104,947 120,930 109,027 111,501 151,426 No. of Cheques Cleared 968 931 750 73 73 67 66 69 69 Amount 669,773 801,875 793,655 68,647 67,821 64,967 61,280 66,592 71,768 No. of Cheques Cleared 2,616 2,285 1,637 169 175 161 166 164 … Amount 1,565,985 1,469,097 1,434,471 132,864 144,921 167,966 159,986 152,220 … No. of Cheques Cleared 2,514 2,282 1,981 183 204 173 175 174 188 Amount 1,631,315 1,550,321 1,612,262 129,637 138,318 148,195 144,680 144,066 156,951 No. of Cheques Cleared 179 93 43 3 3 4 4 4 5 Amount 95,646 91,964 86,545 3,020 8,245 7,981 8,019 8,132 8,204 No. of Cheques Cleared 3,831 3,553 3,064 266 294 268 271 260 292 Amount 3,980,015 4,025,485 4,055,736 287,131 428,188 359,181 340,653 353,549 356,354 No. of Cheques Cleared 1,984 1,074 958 87 91 94 83 81 89 Amount 955,399 1,062,194 1,084,509 90,659 92,372 136,760 96,251 98,048 88,328 No. of Cheques Cleared 800 745 615 57 59 56 54 53 58 Amount 381,439 421,540 463,815 34,337 36,342 42,529 42,939 42,410 45,016 No. of Cheques Cleared 1,136 699 589 53 56 50 45 54 59 Amount 564,698 454,149 441,891 29,398 31,886 34,567 40,774 32,341 32,047 No. of Cheques Cleared 20 23 19 1 2 1 1 2 2 Amount 17,927 17,736 16,769 712 1,527 1,053 1,157 770 1,525 No. of Cheques Cleared 1,818 1,430 1,160 106 112 94 101 97 106 Amount 1,044,504 975,694 1,164,114 78,599 77,861 85,523 86,127 82,882 78,148 No. of Cheques Cleared 58,522 48,448 39,288 3,598 3,815 4,557 3,395 3,447 3,520 Amount 29,625,635 28,592,644 27,434,942 2,245,491 2,520,211 2,575,913 2,420,473 2,483,258 2,492,732 Source: SBP-BSC field offices 71
47. 3 .37 Electronic Banking Statistics Product / Item 1. E-Banking Infrastructure Real Time Online Branches (RTOB) Automated Teller Machines (ATM) Point of Sale (POS) 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 Unit FY19 FY20 FY21 Q4 Q1 Q2 Q3 Q4 Q1 No. No. No. 15,481 14,722 56,911 15,451 14,957 56,824 15,930 15,252 47,567 15,947 15,559 48,763 15,922 15,612 49,067 15,978 15,770 52,924 No. No. No. No. No. 1,589,120 24,831,777 8,485,391 228,417 7,103,294 1,619,343 25,282,706 8,072,487 225,261 6,867,357 1,643,903 26,440,418 7,650,190 168,188 6,180,044 1,663,286 26,519,480 7,541,264 139,521 7,365,773 1,655,030 26,698,046 6,943,385 134,586 7,383,380 1,639,115 26,670,759 6,978,079 135,596 7,559,333 Thousands Million Rupees 233,043 16,942,824 224,204 15,615,234 239,210 17,628,623 236,059 17,466,975 206,466 15,276,494 253,608 19,124,405 Thousands Million Rupees 134,265 1,699,533 129,888 1,563,378 135,689 1,658,697 131,559 1,681,760 114,956 1,525,583 134,926 1,785,175 Thousands Million Rupees 128,332 1,496,516 124,620 1,419,066 130,560 1,499,162 126,811 1,533,080 110,733 1,382,444 129,823 1,603,850 Thousands Million Rupees 137 7,220 129 5,939 126 6,122 145 7,000 134 8,360 150 9,343 Thousands Million Rupees 2,088 5,807 1,991 7,296 1,520 5,025 1,363 2,587 1,118 3,446 1,347 7,395 Thousands Million Rupees 2,007 105,211 1,652 56,737 1,784 62,751 1,689 60,563 1,145 45,901 1,575 61,593 Thousands Million Rupees 1,694 84,622 1,489 74,178 1,692 85,463 1,544 78,355 1,819 85,313 2,026 102,871 Thousands Million Rupees 7 157 7 160 7 174 8 173 7 119 6 123 Thousands Million Rupees 19,197 107,742 18,884 92,322 20,484 107,547 19,539 102,457 11,430 61,902 16,752 92,332 Thousands Million Rupees 52,538 14,278,573 45,770 13,083,046 48,907 14,731,571 46,824 14,456,908 32,211 12,161,711 42,741 15,238,478 Thousands Million Rupees 9,040 995,486 8,855 1,061,606 9,970 1,234,195 9,882 1,234,369 7,117 930,904 9,234 1,311,456 Thousands Million Rupees 27,529 3,197,455 21,226 2,490,324 24,454 3,118,551 22,522 2,991,953 14,282 2,305,827 19,771 3,184,940 Thousands Million Rupees 15,969 10,085,632 15,688 9,531,115 14,484 10,378,826 14,421 10,230,586 10,812 8,924,980 13,736 10,742,083 Thousands Million Rupees 13,404 300,687 15,161 291,845 17,826 382,474 21,169 467,497 28,604 621,805 36,369 908,691 Thousands Million Rupees 843 57,267 1,058 41,551 1,161 50,895 1,435 59,265 1,314 72,847 1,919 127,511 Thousands Million Rupees 6,110 6,620 6,702 10,933 7,367 8,789 8,745 9,351 11,612 14,424 12,894 34,206 Thousands Million Rupees 3,579 122,695 3,991 122,163 4,950 167,938 5,523 206,053 5,714 234,031 7,389 320,103 Thousands Million Rupees 2,871 114,105 3,410 117,197 4,348 154,853 5,465 192,828 9,963 300,503 14,167 426,871 72
48. 3 .37 Electronic Banking Statistics Product / Item Unit FY19 FY20 FY21 Q4 Q1 Q2 Q3 Q4 Q1 Thousands Million Rupees 64 2,360 55 2,130 49 2,084 47 3,197 49 1,848 45 1,948 Thousands Million Rupees 44 1,872 41 1,735 37 1,650 35 2,662 36 1,308 32 1,377 Thousands Million Rupees 13 233 9 178 6 100 5 87 6 86 8 132 Thousands Million Rupees 5 245 5 210 5 324 6 443 7 448 5 429 Thousands Million Rupees .. 10 .. 7 .. 10 .. 5 .. 6 .. 10 Thousands Million Rupees 11,874 546,210 12,233 574,368 13,316 736,002 14,126 748,093 16,957 894,228 18,925 1,085,871 Thousands Million Rupees 779 109,491 765 147,598 830 154,118 764 121,916 819 146,296 1,532 166,696 Thousands Million Rupees 3,063 21,596 3,115 27,118 3,044 30,573 3,369 55,028 3,958 37,397 3,677 63,474 Thousands Million Rupees 2,531 127,691 4,837 218,810 5,312 302,014 5,852 319,669 6,257 367,974 6,540 407,852 Thousands Million Rupees 5,501 287,432 3,516 180,842 4,130 249,296 4,141 251,479 5,923 342,561 7,176 447,849 Thousands Million Rupees 1,702 7,720 2,213 8,145 2,938 10,247 2,796 7,063 2,258 9,416 3,851 11,909 4.5 Call Centre Banking Transactions Number of Transactions Amount 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 3.38 Real Time Gross Settlement Systems and Paper Based Transactions (Volume in Actual & Value in Billion Rupees) FY20 Items Securities Transactions Inter Bank Fund Transfers Retails Cheques Clearing Total Q1 FY21 Q2 Q3 Q4 Q1 Volume Value Volume Value Volume Value Volume Value Volume Value 19,885 77,621 21,255 62,906 23,180 62,694 18,827 59,438 18,597 60,113 550,887 29,915 605,986 30,152 623,919 28,579 683,906 27,323 939,250 28,399 14,600 3,634 15,944 3,963 15,022 3,832 13,450 4,236 14,631 3,734 585,372 111,170 643,185 97,021 662,121 95,105 716,183 90,997 972,478 92,246 Paper Based Transactions (Volume in Million & Value in Billion Rupees) Cash Deposits 26.2 3,727.7 28.6 Cash withdrawals Intra Bank Funds Transfer through Cheques 39.6 4,218.5 13.3 15,375.1 Inter Bank Funds Transfers (Clearing) 10.5 Utilities Bills Payments 22.1 Direct Debit (Standing Instructions) Pay Order/Demand Draft Others* Total 4,172.3 26.0 3,638.0 16.6 3,271.5 22.4 44.3 4,669.2 11.5 15,328.9 39.8 4,492.1 9.3 14,424.9 5,827.2 11.3 254.4 21.7 6,293.8 10.6 233.4 20.0 0.6 1,873.8 0.6 1,913.0 3.0 1,744.2 3.3 1,896.6 4,378.0 30.1 3,889.4 36.1 4,858.2 8.6 13,560.2 8.9 14,138.2 6,080.0 7.9 4,927.8 8.9 7,609.6 192.6 12.6 146.2 17.5 497.6 0.6 1,520.8 0.6 1,912.2 0.6 2,240.5 2.9 1,758.8 2.1 1,694.8 2.7 1,990.3 0.1 595.3 0.1 590.0 0.1 508.7 0.1 462.3 0.1 525.8 115.4 33,616.3 121.5 35,097.2 109.3 32,616.0 78.5 29,864.3 97.1 36,238.2 * Includes Telegraphic Transfers, Money Transfers, Dividend Warrants, and Coupon Payments etc. 73 Source: Payment System Department SBP
49. 3 .39 Segment and Sector-wise Advances and Non-Performing Loans (NPLs) (Amount in millions) Ratio in percent 2019 Q4 SEGMENT Advances Corporate Sector 2020 Q1 Infection Ratio NPLs Advances Q2 Infection Ratio NPLs Advances Q3 NPLs Infection Ratio Advances NPLs 6,356,658 562,760 8.9 6,425,365 591,377 9.2 6,226,140 606,959 9.7 SMEs Sector 480,009 76,724 16.0 418,417 76,281 18.2 403,416 78,333 19.4 385,288 79,078 20.5 Agriculture Sector 344,611 61,254 17.8 328,061 71,446 21.8 323,081 88,985 27.5 323,465 86,848 26.8 Consumer sector 572,563 25,887 4.5 573,670 28,584 5.0 554,429 33,197 6.0 586,857 33,684 5.7 i. Credit Cards 6,141,695 614,558 Infection Ratio 10.0 49,127 2,692 5.5 46,824 2,799 6.0 42,971 2,933 6.8 49,086 3,058 6.2 219,807 3,067 1.4 222,936 3,585 1.6 213,230 6,272 2.9 233,583 5,190 2.2 1,138 62 5.5 1,149 62 5.4 1,070 65 6.1 1,125 66 5.8 92,664 10,665 11.5 90,022 11,022 12.2 88,462 11,572 13.1 86,629 13,106 15.1 209,827 9,401 4.5 212,738 11,115 5.2 208,696 12,353 5.9 216,435 12,265 5.7 Commodity Financing 799,126 7,392 0.9 741,675 9,175 1.2 907,365 7,670 0.8 827,048 8,220 1.0 Staff Loans 151,057 2,128 1.4 153,826 2,109 1.4 153,551 2,152 1.4 158,431 2,157 1.4 Others 164,720 24,973 15.2 200,536 26,858 13.4 188,444 29,255 15.5 185,271 28,148 15.2 8,868,744 761,118 8.6 8,841,549 805,830 9.1 8,756,427 846,551 9.7 8,608,056 852,691 9.9 ii. Auto loans iii. Consumer durable iv. Mortgage loans v. Other personal loans Total 2019 2020 Q4 SECTOR Advances Q1 Infection Ratio NPLs Advances Q2 Infection Ratio NPLs Advances Q3 NPLs Infection Ratio Advances NPLs Infection Ratio Agribusiness 704,869 63,213 9.0 625,909 74,386 11.9 658,554 90,439 13.7 654,836 88,544 13.5 Automobile / Transportation 176,934 17,544 9.9 156,458 17,901 11.4 160,200 18,127 11.3 140,650 18,052 12.8 Cement 190,559 4,149 2.2 200,953 5,613 2.8 211,933 6,208 2.9 201,284 6,203 3.1 Chemical & Pharmaceuticals 311,429 15,150 4.9 291,374 16,526 5.7 286,380 16,506 5.8 307,538 16,562 5.4 Electronics 120,193 20,444 17.0 120,938 21,994 18.2 111,444 23,022 20.7 99,480 23,404 23.5 Financial 252,058 10,998 4.4 254,021 9,467 3.7 212,350 9,884 4.7 204,354 10,053 4.9 Individuals 763,625 60,656 7.9 755,499 63,534 8.4 732,981 70,299 9.6 763,215 71,235 9.3 6,140 Insurance 4,299 7 0.2 5,043 7 0.1 5,756 137 2.4 136 2.2 Others 3,386,624 285,991 8.4 3,292,328 309,833 9.4 3,426,349 320,003 9.3 3,345,624 323,600 9.7 Production/Transmission of Energy 1,492,818 46,586 3.1 1,511,954 50,695 3.4 1,405,492 52,054 3.7 1,411,409 53,002 3.8 38,634 5,949 15.4 36,925 5,952 16.1 35,729 5,854 16.4 37,123 5,816 15.7 200,994 Shoes & Leather garments Sugar 220,988 50,511 22.9 325,717 50,737 15.6 289,093 54,264 18.8 59,492 29.6 Textile 1,205,711 179,921 14.9 1,264,431 179,185 14.2 1,220,168 179,755 14.7 1,235,408 176,591 14.3 Total 8,868,744 761,118 8.6 8,841,549 805,830 9.1 8,756,427 846,551 9.7 8,608,056 852,691 9.9 Source: Financial Stability Department SBP 74
50. 3 .40 Non-Performing Loans (Domestic and Overseas Operations) ( Million Rupees) Banks / DFIs Jun-20 NPLs Sep-20 Net NPLs Net NPLs to NPLs Net NPLs Net NPLs to Net Loans Net Loans (%) (%) All Banks & DFIs 863,688 161,048 1.97 868,802 135,380 1.70 All Banks 846,551 155,509 1.93 852,691 131,196 1.66 767,625 115,310 1.45 778,283 97,806 1.26 Public Sector Commercial Banks 267,154 42,382 2.80 273,543 38,493 2.62 Local Private Banks 497,673 73,207 1.15 501,947 59,576 0.95 2797 -279 (0.30) 2,793 (263) (0.36) 78,927 40,199 36.14 74,409 33,389 31.46 17,137 5,539 5.74 16,111 4,185 4.29 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 2020 Ended Sep 2020 10,322 21,206 9,656 20,256 7,790 13,984 Public Sector Commercial Banks 2340 4,142 Local Private Banks 5,453 9,837 -3 5 1,866 6,272 666 950 All Banks & DFIs All Banks Commercial Banks Foreign Banks Specialized Banks DFIs * Based on audited data submitted by the banks and DFIs. Source: Financial Stability Department SBP . 75