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Pakistan: Banking System Statistical Bulletin - January 2020

IM Insights
By IM Insights
4 years ago
Pakistan: Banking System Statistical Bulletin - January 2020

Murabaha, PLS, Participation, Sales

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  1. 3 .1 Scheduled Banks' Liabilities and Assets Liabilities/Assets 2016 2017 2018 (Million Rupees) 2019 Jun Dec Jun Dec Jun Dec Jun Capital 548,631.7 552,067.2 657,627.1 517,287.1 519,408.6 540,526.2 545,804.7 Reserves 620,448.7 670,241.5 639,464.0 756,858.3 773,881.7 823,318.0 877,078.6 8,026,677.7 8,527,704.7 9,287,203.6 9,455,082.3 10,291,661.5 10,769,866.5 11,511,798.4 125,696.4 156,691.2 137,339.5 139,141.6 135,519.5 321,407.5 298,631.2 (b) Others 7,900,981.3 8,371,013.5 9,149,864.2 9,315,940.8 10,156,142.0 10,448,459.0 11,213,167.2 Time Deposits 2,270,295.8 2,486,561.7 2,454,205.7 2,686,656.6 2,508,715.7 2,767,548.0 2,838,633.6 13,620.1 16,316.8 11,969.3 55,704.4 15,807.8 32,006.7 39,840.9 2,256,675.7 2,470,244.9 2,442,236.4 2,630,952.2 2,492,907.9 2,735,541.3 2,798,792.7 2,205,538.8 1,813,770.6 2,598,567.8 2,948,938.7 2,967,655.0 2,753,934.3 2,407,945.3 1,787,927.8 1,196,829.5 1,852,645.3 2,095,843.3 2,025,865.8 1,486,523.2 1,329,318.5 (b) Banks Abroad 172,580.1 210,077.1 318,209.0 340,117.8 358,304.7 456,353.1 508,735.5 (c) Other Scheduled Banks 245,030.9 406,864.0 427,713.5 512,977.5 583,484.5 811,058.1 569,891.2 Liabilities Demand Deposits (a) Scheduled Banks (a) Scheduled Banks (b) Others Borrowings from (a). State Bank of Pakistan Head Office and Inter-Bank Adjustment 134,407.5 149,948.3 145,795.8 127,658.8 373,123.0 599,983.9 185,156.5 Contingent Liabilities as per contra 4,446,871.7 4,151,895.4 5,092,265.8 5,470,701.3 8,415,608.8 8,492,174.6 8,495,770.1 Other Liabilities 3,508,024.7 4,269,817.7 3,743,437.9 5,590,176.9 2,964,905.7 5,627,575.4 2,979,543.2 21,760,896.7 22,622,007.3 24,618,567.7 27,553,359.8 28,814,960.0 32,374,927.0 29,841,730.4 2,031,909.4 Total Liabilities / Assets Assets Cash 821,920.2 1,113,358.3 1,215,145.2 1,258,728.2 1,424,819.5 1,474,534.4 (a) Notes, Coins and Silver 256,738.8 212,555.5 294,332.1 238,297.8 291,135.3 266,498.9 403,651.5 (b) Balances with State Bank of Pakistan 380,156.7 636,117.9 650,567.5 718,680.5 787,974.3 863,230.2 1,242,973.4 (c) Balances with Other Scheduled Banks 185,024.7 264,685.0 270,245.6 301,749.8 345,709.9 344,805.3 385,284.5 Balances held Abroad 188,926.2 175,738.3 217,541.2 178,730.1 207,590.3 100,843.9 159,508.9 Bills Purchased and Discounted 190,090.3 176,612.8 208,966.9 225,650.5 241,353.6 258,592.3 271,665.3 5,198,093.1 5,649,917.1 6,047,133.8 6,451,545.7 7,201,209.9 7,897,077.9 8,146,683.1 119,901.1 246,686.9 81,194.8 145,084.1 78,394.3 178,206.3 330,318.8 5,078,192.0 5,403,230.2 5,965,939.0 6,306,461.6 7,122,815.6 7,718,871.6 7,816,364.3 Advances to (a) Scheduled Banks (b) Others Investment in Securities and Shares 7,610,278.2 7,268,792.7 8,227,773.0 8,605,039.7 8,320,899.2 7,830,932.1 7,889,093.9 (a) Federal Government Securities 3,784,300.0 3,144,843.2 3,374,796.2 2,965,941.9 2,454,521.7 2,034,409.0 2,285,524.4 (b) Treasury Bills 2,666,090.3 3,145,702.9 3,783,600.4 4,588,491.8 4,773,462.6 4,724,514.0 4,413,712.6 - - - - - - - (d) Foreign Securities 185,504.3 121,077.1 236,707.6 257,402.4 161,122.5 149,844.8 137,470.1 (e) Others 974,383.6 857,169.5 832,668.8 793,203.5 931,792.4 922,164.3 1,052,386.8 Bank Premises 268,335.0 256,711.9 295,253.6 329,884.8 312,625.6 367,292.6 399,916.2 Head Office and Inter-Bank Adjustment 791,734.1 1,340,189.5 999,505.6 378,230.7 100,683.4 164,378.3 189,208.1 Contingent Assets as per contra 4,446,871.7 4,151,895.4 5,092,265.8 5,470,701.3 8,415,608.8 8,492,174.6 8,495,770.1 Other Assets 2,244,647.9 2,488,791.4 2,314,982.6 4,654,848.8 2,590,169.7 5,789,100.8 2,257,975.3 (c) Provincial Governments Securities Source: Statistics & Data Warehouse Department, SBP 26
  2. 3 .2 Classification of Scheduled Banks' Deposits by Type of Accounts (Amount in million Rupees) 2017 Jun 2018 Dec Jun 2019 Dec Jun END OF PERIOD No. of Accounts. Amount No. of Accounts. No. of Accounts. Amount No. of Accounts. 26,106,174 3,875,767.2 28,292,051 3,923,519.5 30,027,168 4,423,493.4 30,986,021 Call Deposits 264,426 243,578.3 265,271 196,837.3 314,925 236,150.6 238,805 207,498.3 269,955 185,999.7 Other Deposits Accounts 109,297 90,065.7 16,596 66,284.3 18,136 81,058.4 19,205 148,506.8 57,161 220,993.6 20,711,068 4,940,453.1 20,862,777 5,129,299.6 21,447,424 5,415,439.7 21,272,368 5,607,736.4 20,867,833 5,900,127.7 1,815,147 2,442,236.4 1,128,639 2,630,952.2 1,303,894 2,492,907.9 1,406,904 2,735,541.3 1,297,023 2,798,792.7 Less Than 6 months 778,861 814,275.1 318,156 962,501.0 596,113 920,230.9 738,868 1,263,348.6 576,082 1,229,093.8 For 6 months & over but less than 1 year 139,039 442,027.3 148,503 413,279.6 133,772 398,082.9 119,619 390,067.6 153,703 439,716.5 For 1 year & over but less than 2 years 340,535 913,850.0 276,046 990,877.7 237,926 916,240.1 222,378 807,901.7 259,988 863,815.6 For 2 years & over but less than 3 years 56,586 30,126.6 60,385 29,595.4 50,097 29,068.3 43,610 26,749.8 50,591 33,221.7 For 3 years & over but less than 4 years 95,747 68,719.7 79,366 56,031.7 62,516 58,851.0 52,718 54,391.3 49,139 67,168.8 For 4 years & over but less than 5 years 13,595 4,832.5 29,882 10,411.0 27,353 9,794.3 26,304 8,498.0 24,721 7,619.0 390,784 168,405.3 216,301 168,255.8 196,117 160,640.5 203,407 184,584.4 182,799 158,157.2 49,006,112 11,592,100.6 50,565,334 11,946,893.0 53,111,547 12,649,049.9 53,923,303 13,184,000.4 54,731,001 14,011,959.8 Current Deposits Saving Deposits FIXED DEPOSITS For 5 years & over All Deposits Amount Note: Accounts in Numbers. No. of Accounts. Amount 4,484,717.6 32,239,029 4,906,046.2 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) CATEGORY OF DEPOSIT HOLDERS 2016 2017 2018 2019 Jun Dec Jun Dec Jun Dec Jun 248,392.8 111,990.1 112,132.7 126,415.9 135,522.0 173,059.7 191,613.5 I. Official 17,335.5 17,549.5 18,912.8 20,438.4 24,622.7 28,067.7 33,393.9 II. Business 51,543.7 54,678.7 57,669.0 63,157.0 82,746.5 81,077.4 101,957.3 III. Personal A. FOREIGN CONSTITUENTS: B. DOMESTIC CONSTITUENTS : 43,110.9 39,904.4 49,834.1 51,926.6 65,690.5 82,468.4 113,041.7 10,045,666.9 10,729,125.7 11,465,684.7 11,811,371.0 12,475,990.2 12,992,386.9 13,763,567.0 1,235,250.1 1,344,112.1 1,584,254.6 1,669,449.3 1,828,643.1 1,946,292.6 2,077,910.6 A. Federal Government 744,874.3 783,981.2 916,845.2 927,361.9 1,083,754.7 1,106,745.3 1,228,322.1 B. Provincial Governments 467,303.5 533,566.7 624,451.0 683,460.7 686,328.6 776,781.4 771,739.3 23,072.3 26,564.2 42,958.4 58,626.7 58,559.7 62,765.9 77,849.3 561,827.1 634,300.3 705,130.9 701,246.7 766,980.2 742,721.9 854,562.4 I. Government : C. Local Bodies ( City Governments ) II. Non-Financial Public Sector Enterprises : A. Agriculture, Forestry, Hunting & Fishing B. Mining & Quarrying C. Manufacturing D. Construction E. Utilities F. Commerce 494.8 508.2 549.9 535.0 173.0 473.8 5,793.0 85,082.9 116,736.3 95,302.8 81,920.0 130,419.2 151,359.9 103,394.9 139,875.4 145,948.1 184,254.6 180,828.1 193,069.4 145,153.6 159,438.0 345.9 347.6 297.6 397.7 521.5 600.0 647.9 138,209.5 135,456.0 171,277.6 168,037.3 201,990.6 215,929.1 259,273.5 18,431.6 20,196.5 28,134.4 28,426.0 27,508.4 24,171.8 27,984.7 130,185.9 123,937.7 133,725.0 149,120.0 130,994.5 136,443.9 139,207.1 H. Services 37,782.7 38,836.5 39,482.7 43,578.6 57,909.5 45,134.6 72,187.0 I. Others 11,418.4 52,333.4 52,106.4 48,404.0 24,394.1 23,455.3 86,636.4 281,417.0 352,725.1 399,531.3 435,646.9 405,900.3 457,351.5 445,543.7 A. Co-operative Banks 7,883.7 5,604.3 7,687.0 6,593.7 7,615.9 6,239.7 7,002.8 B. Development Financial Institutions 2,912.4 5,673.5 8,478.4 5,438.7 5,870.8 826.9 2,298.1 58,678.9 85,423.0 85,020.7 107,270.0 84,574.5 99,871.4 86,217.0 G. Transport, Storage & Communication III. Non-Bank Financial Companies : C. Insurance Companies D. Micro Finance Banks 4,860.0 3,305.2 6,865.2 8,266.6 6,664.4 11,597.6 6,637.3 207,082.1 252,719.1 291,479.9 308,077.9 301,174.7 338,815.8 343,388.5 2,540,568.5 2,772,566.3 2,881,595.1 2,909,870.2 2,980,733.8 2,908,058.5 3,013,094.4 242,061.3 263,887.5 240,720.1 231,410.4 252,266.4 252,252.6 233,301.8 222,149.1 243,732.3 219,841.4 207,776.2 225,589.1 231,546.7 211,423.2 10,598.6 10,033.3 10,257.5 12,523.9 15,229.6 13,231.0 13,767.5 3- Agricultural and animal husbandry 4,200.8 3,921.6 3,959.7 3,647.0 3,633.0 4,402.4 4,468.0 4- Agricultural machinery and equipments 3,382.2 4,020.6 3,960.1 4,315.7 4,682.0 2,017.3 2,342.7 49.5 108.4 98.8 13.5 36.8 61.2 102.6 1,681.2 2,071.3 2,602.7 3,134.1 3,095.9 994.1 1,197.8 E. Other NBFC's IV. Private Sector Enterprises : A. Agriculture, Hunting and Forestry 1- Growing of crops 2- Farming of animals 5- Hunting, trapping, forestry & logging 6- Forestry and Logging and Related Service B. Fishing and fish farming etc. 2,356.1 1,903.4 1,999.6 1,441.1 1,592.6 863.2 1,226.4 71,833.7 83,046.0 82,222.4 94,219.9 83,465.9 103,872.1 118,017.0 1- Mining of coal 13,764.8 17,138.2 16,277.7 15,428.1 14,992.8 14,419.2 13,159.3 2- Crude petroleum & natural gas 48,731.8 57,218.6 58,100.1 69,886.2 61,211.3 79,030.4 90,371.7 3- Iron & non-ferrous metal ores 4,969.4 3,494.4 3,336.0 3,390.7 3,059.2 4,451.1 4,282.1 902.3 882.2 929.7 909.3 902.9 1,013.1 653.4 3,465.5 4,312.7 3,578.8 4,605.5 3,299.7 4,958.4 9,550.4 687,258.8 767,446.4 771,903.3 859,278.7 833,386.8 689,095.7 721,627.8 107,758.8 139,921.9 131,209.1 142,258.0 138,791.6 130,081.2 124,729.2 2,137.8 2,327.3 3,279.4 4,913.2 4,843.6 8,134.2 9,099.9 110,513.4 122,866.0 113,838.7 129,900.0 130,948.1 100,735.4 122,796.6 C. Mining and Quarrying 4- Quarrying of stone, sand and clay 5- Chemical, fertilizer, Salt etc. D. Manufacturing 1- Food products and beverages 2- Tobacco products 3- Textiles i) Spinning, weaving, finishing of textiles 78,527.3 83,049.6 77,015.6 90,409.7 90,634.9 63,225.0 77,373.5 a) Spinning of fibers 45,236.4 48,840.3 42,961.2 51,864.9 53,890.2 38,962.4 45,677.1 b) Weaving of textiles 17,232.0 18,462.7 18,730.1 20,973.0 19,964.9 12,782.4 16,778.3 c) Finishing of textiles 16,058.8 15,746.7 15,324.3 17,571.9 16,779.8 11,480.1 14,918.1 12,941.0 15,302.6 16,545.8 16,863.3 18,204.3 16,052.1 15,729.0 iii) Knit wear 5,136.4 5,608.0 5,872.0 5,417.0 5,887.9 4,386.2 7,208.9 iv) Carpets and rugs 3,134.3 4,025.0 4,143.2 9,498.3 3,795.4 740.1 2,295.1 10,774.5 14,880.8 10,262.2 7,711.6 12,425.6 16,332.1 20,190.2 17,020.8 20,216.8 22,542.3 25,904.2 26,642.7 21,386.4 31,218.2 ii) Made-up textile articles v) Other textiles n.e.s. 4- Wearing apparel, readymade garments etc. 28
  4. 3 .3 Classification of Scheduled Banks' Deposits by Category of Deposit Holders (End of Period: Million Rupees) CATEGORY OF DEPOSIT HOLDERS 2017 2018 2019 Jun Dec Jun Dec Jun Dec Jun 13,822.8 16,746.5 17,069.6 16,244.3 16,531.0 10,216.9 10,904.2 6,381.0 8,638.0 8,377.8 8,158.2 8,171.0 4,390.9 4,900.3 7,441.7 8,108.5 8,691.8 8,086.1 8,360.0 5,826.0 6,003.9 a) Leather wear 6,166.4 6,657.6 7,125.2 6,345.0 6,698.6 4,909.6 4,975.8 b) Rubber and Plastic wear 1,275.4 1,450.9 1,566.6 1,741.1 1,661.5 916.4 1,028.1 6- Wood and products of wood cork 4,546.9 4,364.2 4,461.6 4,421.7 4,779.4 1,545.8 1,503.6 7- Paper, paperboard and products 6,029.1 6,601.0 7,499.2 8,866.3 6,560.1 4,669.7 4,620.7 12,018.7 12,738.1 14,549.1 14,453.8 15,067.0 10,700.9 12,934.4 5- Tanning and dressing of leather; manufacture of luggage and footwear i.) Tanning & dressing of leather, luggage, handbags etc. ii.) Footwear 8- Printing, publishing and allied industries 9- Coke and refined petroleum products 10- Chemicals and chemical products 11- Rubber and plastics products 43,039.3 50,623.7 54,332.4 44,581.0 52,663.4 50,801.3 53,141.5 106,029.9 131,913.9 108,372.2 143,336.7 120,092.1 131,339.0 129,583.8 7,041.9 8,932.9 9,726.9 10,043.9 11,146.2 7,629.3 7,626.0 12- Other non-metallic mineral products 49,877.0 34,937.2 54,667.5 64,345.6 60,202.9 41,286.0 32,327.6 13- Basic metals 19,304.6 20,879.5 28,265.4 27,677.1 26,043.5 20,639.1 21,588.3 6,579.7 7,780.0 9,288.2 11,940.0 10,952.0 4,197.1 5,665.7 24,700.6 26,636.5 29,723.2 26,733.5 25,745.3 13,748.4 15,641.4 14- Fabricated metal products 15- Machinery and equipment 16- Office, accounting and computing machinery 17- Electrical machinery and apparatus 18- Radio, television and communication equipment and apparatus 19- Medical, precision and optical instruments, watches and clocks 20- Motor vehicles, trailers and semi-trailers 1,278.5 2,135.5 2,053.8 2,062.1 1,028.2 545.2 1,233.0 23,341.5 24,490.5 20,318.5 28,350.8 22,080.4 18,789.3 23,168.3 4,023.4 4,392.2 4,172.8 4,997.0 5,145.7 1,376.5 2,507.9 12,653.6 13,302.3 12,185.4 12,611.9 13,637.0 8,975.7 11,295.6 69,982.8 65,282.1 70,909.7 72,533.5 79,371.8 55,570.4 47,485.5 21- Other transport equipments 8,163.5 10,762.0 10,329.4 10,696.3 10,520.3 8,624.0 9,952.4 22- Furniture and fixture 1,551.7 1,878.1 2,117.4 2,660.0 2,116.6 1,514.1 1,523.3 23- Jewellery and related articles 2,795.2 2,979.1 2,471.7 2,865.8 2,772.3 1,160.7 1,330.9 24- Sports goods 4,215.2 4,945.4 4,709.4 5,814.8 6,391.8 6,688.1 7,449.1 361.0 199.2 177.0 220.3 250.6 365.7 476.1 28,471.1 29,594.5 33,633.2 40,846.9 39,063.2 28,375.4 31,824.5 25- Handicrafts 26- Other manufacturing n.e.s. E. Ship breaking and waste / scrape (junk) etc. F. Electricity, gas and water supply G. Construction 1- Building 2- Infrastructure H. Commerce and Trade 1- Sale, maintenance and repair of motor vehicles and motorcycles 2- Wholesale and commission trade 2,290.4 2,904.5 3,668.8 4,920.9 3,101.6 4,062.8 2,970.7 93,722.9 108,039.7 134,181.8 97,253.2 98,661.4 126,019.8 111,399.9 184,763.7 179,137.0 247,219.9 251,852.4 281,347.4 242,544.6 305,017.4 125,032.7 121,625.6 158,583.7 154,251.2 178,350.4 148,829.1 166,179.8 59,731.1 57,511.4 88,636.2 97,601.2 102,997.0 93,715.5 138,837.6 352,878.9 382,537.7 375,486.9 367,987.5 404,437.0 417,725.1 452,690.1 17,989.5 17,937.7 18,508.2 19,111.7 20,207.9 21,543.6 24,999.1 174,820.9 193,214.6 187,277.7 192,318.8 195,217.2 201,435.5 200,522.1 44,747.4 i) Exports 47,502.2 49,448.9 45,506.3 45,930.4 46,872.2 43,547.7 ii) Imports 30,402.7 33,131.0 35,603.2 34,717.2 33,196.7 32,264.9 29,830.8 iii) Domestic whole sales 96,916.0 110,634.7 106,168.2 111,671.2 115,148.3 125,622.9 125,943.9 160,068.4 171,385.4 169,701.0 156,557.1 189,011.9 194,746.0 227,168.9 14,429.0 19,118.0 18,021.0 16,800.4 20,956.8 20,183.3 15,882.6 J. Transport, storage and communications 170,768.1 186,582.6 180,692.9 211,393.7 203,129.1 199,042.7 172,786.6 K. Real estate, renting and business activities 285,563.3 300,098.0 301,132.4 318,187.5 341,518.1 360,398.5 382,362.9 48,193.5 49,505.6 59,266.8 84,913.2 84,259.9 86,313.7 102,132.0 2,189.6 2,201.9 2,350.8 2,429.0 23,593.1 10,371.6 1,403.5 29,928.2 30,461.9 29,785.9 33,320.0 24,253.2 21,891.0 29,479.6 3- Retail trade I. Hotels, restaurants and clubs etc 1- Real estate activities 2- Renting of machinery and equipment 3- Computer and related activities 4- Research and development 6,254.8 7,260.4 7,696.5 8,620.7 10,537.7 8,169.7 8,335.3 198,997.2 210,668.2 202,032.3 188,904.6 198,874.3 233,652.4 241,012.4 L. Education 59,689.5 86,467.4 71,543.0 85,274.8 83,513.8 76,794.7 80,159.7 M. Health and social work N. Other community, social and personal service activities O. Other private business n.e.c 37,405.5 45,195.7 47,636.4 50,051.4 47,421.1 43,554.1 45,782.5 98,330.2 108,334.9 105,014.9 132,458.1 126,868.0 125,668.8 118,946.3 237,216.8 237,867.6 300,151.7 187,340.3 199,067.7 245,980.7 250,922.7 237,140.9 267,292.5 284,071.6 317,764.4 380,916.3 376,626.6 408,343.8 5,099,019.7 5,282,286.6 5,538,367.8 5,726,255.1 6,047,649.2 6,500,027.1 6,896,381.5 90,443.6 75,842.8 72,733.3 51,138.3 65,167.4 61,308.6 67,730.6 10,157,657.0 10,841,258.4 11,592,100.6 11,946,893.0 12,649,049.9 13,184,000.4 14,011,959.8 5- Other business activities V. Trust Funds and Non-Profit Institutions VI. 2016 Personal VII. Others TOTAL 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, 2019 (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 7,838 6.4 33,278 67.4 736 1.1 692 1.1 951,497 2,577.2 5,000 to 10,000 2,018 14.6 19,016 137.0 177 1.2 589 4.0 661,534 4,640.4 10,000 to 20,000 1,946 27.7 42,630 585.6 215 3.0 1,395 24.0 772,750 11,908.2 20,000 to 25,000 754 16.6 21,560 476.5 52 1.1 101 2.2 284,946 6,386.1 25,000 to 30,000 601 16.5 23,343 620.2 68 1.8 103 2.7 356,933 9,830.8 30,000 to 40,000 960 33.0 46,912 1,679.9 79 2.7 181 6.3 594,869 20,896.0 40,000 to 50,000 1,163 52.3 14,533 648.1 62 2.8 1,083 51.1 448,725 20,344.2 50,000 to 60,000 1,241 66.1 24,583 1,340.8 48 2.6 202 11.2 432,502 23,661.7 60,000 to 70,000 735 47.5 13,374 868.9 149 9.7 140 8.8 454,921 29,415.4 70,000 to 80,000 758 56.7 20,194 1,501.3 48 3.5 80 5.9 303,815 22,772.5 80,000 to 90,000 922 78.5 20,799 1,781.2 47 3.9 92 7.8 293,951 25,096.7 90,000 to 100,000 861 81.5 29,387 2,822.0 45 4.3 96 9.2 255,215 24,393.6 to 200,000 7,647 1,099.5 96,514 13,505.8 561 86.9 11,319 1,849.2 1,698,065 242,233.6 200,000 to 300,000 5,025 1,242.2 30,916 7,381.0 220 54.1 4,189 901.6 503,105 121,604.0 300,000 to 400,000 5,475 1,924.5 16,947 6,040.6 156 53.5 8,608 2,766.9 275,867 93,433.6 400,000 to 500,000 4,445 2,009.2 8,489 3,793.8 921 375.8 220 97.9 142,295 63,335.3 500,000 to 600,000 3,925 2,119.6 6,325 3,472.3 108 59.3 2,412 1,301.8 107,828 58,810.2 600,000 to 700,000 3,858 2,491.2 4,586 2,997.5 87 55.7 199 127.5 59,105 38,140.2 700,000 to 800,000 3,103 2,315.8 5,733 4,302.1 123 92.1 1,424 1,078.9 50,277 37,508.3 800,000 to 900,000 2,276 1,937.6 5,538 4,753.5 83 70.1 169 144.3 36,005 30,538.4 900,000 to 1,000,000 1,986 1,890.7 3,266 3,108.7 77 73.5 136 129.1 28,625 27,160.4 1,000,000 to 2,000,000 14,953 21,470.6 25,560 33,218.9 643 901.2 2,359 3,624.5 137,089 187,652.2 2,000,000 to 3,000,000 4,888 11,793.7 8,156 19,866.2 1,427 3,728.9 1,067 2,431.8 44,443 106,205.4 3,000,000 to 4,000,000 2,672 9,298.3 5,268 18,232.1 202 701.8 464 1,603.8 19,660 67,620.7 4,000,000 to 5,000,000 1,987 8,863.9 2,929 12,924.1 193 865.4 424 1,937.6 11,059 49,170.7 5,000,000 to 6,000,000 1,194 6,523.5 2,660 14,629.1 159 871.0 334 1,856.9 8,005 43,280.9 6,000,000 to 7,000,000 697 4,520.3 1,516 9,832.8 142 915.5 193 1,241.2 4,614 29,885.3 7,000,000 to 8,000,000 834 6,348.2 927 6,970.9 112 834.9 112 837.0 4,191 31,395.9 8,000,000 to 9,000,000 412 3,441.1 976 8,228.6 64 542.6 89 757.7 3,232 27,314.9 9,000,000 278 2,631.3 1,274 12,043.0 57 534.6 59 557.6 2,373 22,433.6 2,958 155,974.2 13,871 1,880,080.7 2,397 843,707.9 2,967 422,164.1 23,136 1,533,447.9 88,410 248,392.8 551,060 2,077,910.6 9,458 854,562.4 41,498 445,543.7 8,970,632 3,013,094.4 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, 2019 (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 23,202 66.2 1,857,642 3,116.0 43,494 59.0 2,910,541 5,888.1 2,918,379 5,894.5 5,000 to 10,000 7,430 53.5 1,376,219 10,209.0 15,220 114.5 2,080,185 15,159.6 2,082,203 15,174.2 10,000 to 20,000 9,726 143.5 2,757,276 41,402.1 22,654 322.7 3,606,646 54,389.1 3,608,592 54,416.8 20,000 to 25,000 5,171 122.4 1,474,354 33,146.7 6,200 144.5 1,792,384 40,279.5 1,793,138 40,296.1 25,000 to 30,000 3,733 104.3 1,520,209 41,793.1 10,587 281.3 1,914,976 52,634.3 1,915,577 52,650.8 30,000 to 40,000 15,371 549.1 3,465,467 121,637.6 10,311 364.3 4,133,190 145,136.0 4,134,150 145,169.1 40,000 to 50,000 13,387 601.2 3,050,285 136,941.3 14,157 636.9 3,542,232 159,225.6 3,543,395 159,277.9 50,000 to 60,000 14,837 829.4 2,806,072 154,105.6 11,348 623.8 3,289,592 180,575.1 3,290,833 180,641.2 60,000 to 70,000 4,975 337.2 2,687,279 174,801.2 8,247 533.5 3,169,085 205,974.6 3,169,820 206,022.1 70,000 to 80,000 4,948 373.7 2,218,820 166,190.7 6,522 485.9 2,554,427 191,333.5 2,555,185 191,390.2 80,000 to 90,000 2,342 195.3 2,081,579 176,822.6 1,273 106.9 2,400,083 204,014.4 2,401,005 204,092.8 90,000 to 100,000 Less than 20,142 1,918.5 1,854,983 176,013.7 6,997 653.9 2,166,865 205,815.0 2,167,726 205,896.6 to 200,000 34,276 4,786.5 10,301,001 1,447,969.9 122,548 18,260.0 12,264,284 1,728,691.8 12,271,931 1,729,791.3 200,000 to 300,000 15,358 3,637.3 3,466,535 832,406.7 54,944 12,678.2 4,075,267 978,662.9 4,080,292 979,905.1 300,000 to 400,000 10,301 3,414.2 1,368,440 472,375.1 7,901 2,978.7 1,688,220 581,062.6 1,693,695 582,987.1 400,000 to 500,000 1,777 784.7 700,091 310,829.7 8,535 3,754.0 862,328 382,971.1 866,773 384,980.3 500,000 to 600,000 2,110 1,128.7 374,927 204,306.5 5,729 3,183.5 499,439 272,262.1 503,364 274,381.7 600,000 to 700,000 1,011 643.7 226,764 145,945.2 1,882 1,294.9 293,634 189,204.7 297,492 191,695.9 700,000 to 800,000 984 741.7 142,473 106,355.4 3,688 2,701.8 204,702 152,780.3 207,805 155,096.2 100,000 800,000 to 900,000 852 726.8 122,644 103,805.7 241 206.4 165,532 140,245.2 167,808 142,182.7 900,000 to 1,000,000 983 931.0 78,183 74,085.9 1,451 1,426.1 112,721 106,914.7 114,707 108,805.4 1,000,000 to 2,000,000 5,505 7,739.1 335,273 459,801.7 3,070 4,826.5 509,499 697,764.1 524,452 719,234.7 2,000,000 to 3,000,000 2,062 5,053.9 104,756 251,858.7 85 199.6 161,996 389,344.4 166,884 401,138.2 3,000,000 to 4,000,000 1,254 4,352.8 43,736 149,748.7 466 1,432.9 71,050 243,692.8 73,722 252,991.1 4,000,000 to 5,000,000 807 3,579.5 18,800 82,727.3 35 149.4 34,247 151,354.1 36,234 160,217.9 5,000,000 to 6,000,000 738 3,931.2 12,720 68,252.0 17 87.7 24,633 132,908.7 25,827 139,432.2 6,000,000 to 7,000,000 394 2,562.7 8,326 53,563.0 3 19.1 15,188 98,019.7 15,885 102,540.0 7,000,000 to 8,000,000 381 2,883.3 6,131 45,607.3 77 590.0 11,931 89,119.3 12,765 95,467.5 8,000,000 to 9,000,000 483 4,066.0 4,160 35,253.5 60 502.2 9,064 76,665.4 9,476 80,106.5 9,000,000 293 2,778.5 2,974 27,993.2 3 28.7 7,033 66,369.3 7,311 69,000.5 over 4,114 349,307.9 25,055 787,316.7 77 9,083.8 71,617 5,825,109.0 74,575 5,981,083.3 TOTAL 208,947 408,343.8 44,493,174 6,896,381.5 367,822 67,730.6 54,642,591 13,763,567.0 to 10,000,000 10,000,000 and 54,731,001 14,011,959.8 Source: Statistics & Data Warehouse Department, SBP 31
  7. 3 .5 Province/Region and Categories of Deposits Holders* (Billion Rupees) Category Jun-2018 Rural Urban Overall Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 2.33 170.72 51.64 1,777.01 5.12 761.86 3.00 402.90 280.66 2,700.08 6.48 374.44 920.85 5,126.79 27.26 37.90 1,297.35 11,351.70 Punjab Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 1.69 7.04 1.56 0.13 165.70 2.59 518.28 2.47 699.47 Sindh Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total Khyber Pakhtunkhwa Balochistan Provinces/Regions Islamabad FATA Total Rural 173.06 1,828.64 766.98 405.90 2,980.73 380.92 6,047.65 65.17 12,649.05 Rural Dec-2018 Urban Rural Jun-2019 Urban 4.34 75.85 3.99 2.61 290.98 9.02 1,019.68 31.24 1,437.69 187.27 1,870.45 738.73 454.75 2,617.08 367.61 5,480.35 30.07 11,746.31 191.61 1,946.29 742.72 457.35 2,908.06 376.63 6,500.03 61.31 13,184.00 8.23 69.48 7.09 4.27 275.83 8.47 1,045.64 22.47 1,441.49 240.16 2,008.43 847.47 441.27 2,737.27 399.87 5,850.74 45.26 12,570.47 248.39 2,077.91 854.56 445.54 3,013.09 408.34 6,896.38 67.73 14,011.96 35.59 795.06 212.44 25.59 1,098.90 109.64 2,523.89 5.24 4,806.36 37.28 802.10 214.00 25.72 1,264.60 112.24 3,042.17 7.72 5,505.83 3.12 10.12 1.57 0.25 175.26 2.61 568.48 3.06 764.46 45.25 852.19 212.74 47.81 1,135.37 120.26 2,639.53 5.51 5,058.67 48.37 862.32 214.31 48.05 1,310.62 122.88 3,208.01 8.57 5,823.13 4.47 16.59 2.55 0.17 163.99 3.27 590.48 1.05 782.57 57.43 842.49 321.90 42.89 1,156.77 120.11 2,832.92 4.73 5,379.23 61.90 859.08 324.45 43.06 1,320.76 123.38 3,423.41 5.77 6,161.80 0.06 10.28 2.79 0.56 47.45 1.72 94.02 0.10 156.97 89.34 235.22 325.72 358.34 1,088.12 183.00 1,538.27 1.87 3,819.88 89.40 245.50 328.51 358.90 1,135.57 184.72 1,632.29 1.97 3,976.86 0.06 13.16 1.94 0.24 44.81 3.66 101.86 0.09 165.82 93.83 258.30 290.08 386.42 970.04 175.54 1,737.59 1.16 3,912.96 93.90 271.46 292.02 386.65 1,014.85 179.20 1,839.44 1.25 4,078.78 2.49 10.84 4.21 1.80 42.13 2.48 92.55 0.08 156.58 109.65 298.28 324.18 368.46 1,038.30 179.22 1,819.39 5.05 4,142.55 112.14 309.13 328.39 370.27 1,080.43 181.70 1,911.95 5.13 4,299.13 Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.31 10.02 0.23 0.02 32.52 1.10 145.59 8.30 198.09 2.47 217.24 23.04 1.22 134.32 12.49 400.09 11.37 802.24 2.79 227.26 23.27 1.24 166.84 13.59 545.68 19.67 1,000.33 0.50 11.37 0.23 0.02 34.79 1.62 172.07 11.71 232.31 3.00 245.94 12.21 2.11 124.30 12.22 406.25 8.18 814.21 3.50 257.32 12.44 2.13 159.09 13.85 578.31 19.89 1,046.51 0.52 10.24 0.05 1.30 30.05 1.68 174.68 2.82 221.33 3.61 247.69 14.12 6.35 137.12 24.12 446.60 6.46 886.07 4.13 257.93 14.17 7.65 167.17 25.80 621.28 9.27 1,107.40 Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total .. 11.81 0.24 0.67 7.27 0.35 21.32 16.06 57.72 0.45 72.69 5.61 1.10 44.94 2.59 111.44 3.62 242.45 0.45 84.50 5.85 1.77 52.21 2.94 132.76 19.69 300.17 0.02 28.95 0.04 0.67 7.06 0.39 23.08 16.09 76.31 0.36 79.01 9.81 0.19 44.40 4.50 114.56 4.97 257.81 0.39 107.96 9.84 0.86 51.46 4.90 137.64 21.06 334.11 .. 17.21 0.05 0.38 51.03 5.20 0.23 48.50 3.92 114.81 0.48 224.54 0.38 68.24 5.25 0.23 55.85 4.18 138.25 18.76 291.15 Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.03 6.30 .. 0.01 3.10 0.26 14.98 0.02 24.70 41.76 432.88 194.25 7.86 293.21 64.78 399.20 15.50 1,449.44 41.79 439.18 194.25 7.87 296.31 65.05 414.17 15.52 1,474.14 0.04 4.95 0.06 0.01 3.13 0.24 16.19 0.02 24.64 43.20 411.83 212.95 9.79 308.76 52.88 421.62 9.97 1,471.00 43.25 416.79 213.02 9.80 311.89 53.12 437.81 9.99 1,495.65 0.07 7.03 0.01 2.81 0.28 15.08 0.03 25.30 67.41 546.81 181.02 16.65 317.03 70.55 463.27 27.25 1,689.98 67.48 553.83 181.02 16.66 319.84 70.82 478.35 27.28 1,715.28 Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total .. 0.72 0.27 5.40 .. 12.21 0.30 18.90 .. 0.10 0.13 0.02 3.39 0.05 5.08 0.25 9.01 .. 0.82 0.40 0.02 8.79 0.05 17.29 0.55 27.91 .. 1.16 0.12 .. 0.10 0.13 0.03 2.96 0.05 4.98 0.25 8.49 .. 1.26 0.26 0.03 8.90 0.05 18.09 0.50 29.10 0.02 1.76 0.14 .. 3.67 0.01 17.26 0.21 23.07 .. 0.70 .. 0.75 1.78 0.05 9.19 1.25 13.71 0.02 2.46 0.14 0.75 5.45 0.05 26.45 1.47 36.79 5.94 .. 13.11 0.26 20.60 * End Position. 32 Total 7.35 0.26 23.44 18.29 66.60 Total
  8. 3 .5 Province/Region and Categories of Deposits Holders* (Billion Rupees) Jun-2018 Provinces/Regions Gilgit-Baltistan Category Foreign Urban Jun-2019 Total Rural Urban Total Rural Urban Total .. 0.03 0.04 0.01 0.01 0.02 0.01 0.03 0.04 Govt. 5.09 10.42 15.51 5.73 9.99 15.72 4.71 5.57 10.27 NFPSEs NBFCs & Fin Aux. 0.01 0.17 0.18 0.03 0.33 0.36 0.04 0.35 0.38 1.59 4.95 6.54 1.36 4.85 6.21 0.86 2.82 3.69 Private Sector 3.74 8.97 12.71 4.53 7.96 12.49 3.71 9.19 12.90 Trust Fund 0.13 0.31 0.43 0.14 0.33 0.47 0.10 0.34 0.44 Personal 6.21 11.84 18.05 6.27 12.07 18.34 6.31 13.19 19.50 .. .. 0.01 0.01 35.55 53.61 15.74 31.49 47.23 Others Total AJK Rural Dec-2018 - .. .. 16.78 36.68 53.46 18.06 Foreign 0.24 1.08 1.32 0.59 1.61 2.20 0.66 1.64 2.30 Govt. 0.37 13.41 13.78 0.39 13.08 13.46 1.09 15.87 16.96 NFPSEs NBFCs & Fin Aux. Private Sector 0.01 0.51 0.52 0.01 0.47 0.48 0.06 0.71 0.77 Trust Fund Personal Others Total 0.02 3.82 3.85 0.06 3.55 3.61 0.13 3.12 3.25 15.47 28.23 43.71 15.47 23.29 38.76 22.11 28.58 50.69 0.34 1.57 1.91 0.34 1.83 2.17 0.40 1.57 1.97 108.26 136.97 245.23 118.63 143.76 262.39 125.83 151.37 277.20 0.01 0.05 0.06 0.01 0.03 0.05 .. 0.03 0.03 124.71 185.64 310.35 135.49 187.62 323.11 150.28 202.90 353.18 Source: Statistics & Data Warehouse Department, SBP * End Position. "Urban area” means an area which falls within jurisdiction of Municipal Corporation, or Metropolitan Corporation, or Municipal Committee, or Town Committee, or Cantonment Board, or any other area which has developed urban characteristics, and is declared as urban area by the government under Local Government Act 1975. While the areas other than urban areas are classified as rural areas. "Outstanding deposits" show position of deposits held by banks at the end of the period (30th June or 31st December). Deposits are the amount held in various types of deposit accounts by bank, such as demand deposits, time and saving deposits. Deposits include all types of deposits excluding interbank deposits, placements and margin deposits (deposits held by banks as collateral against letters of credits, letters of guarantees). Foreign Constituents: This covers the transactions with the non residents working in our economy. This includes Officials (Embassies consulates, foreign missions), Business (Corporations working in Pakistan for short periods as construction companies) and Personals (Students, travelers). Government: This includes Federal Government, Provincial & Local Governments deposits and advances. Further, disbursements to Government (Federal, Provincial & Local) are made by bank branches located in various regions/Provinces, while in case of deposits, the bank branches located in the various regions/Provinces have mobilized the deposits from the Government (Federal, Provincial & Local). Similarly, disbursements to eight main borrowers (Foreign, Govt., NFPSEs, NBFCs, Private Sector, Trust Fund, Personal and Others) are made by bank branches located in various regions/Provinces, while in case of deposits, the bank branches located in the various regions/Provinces have mobilized the deposits from these eight categories. NFPSEs (Non-financial Public Sector Enterprises): These are the non-financial resident corporations which are controlled by government, which may be exercised through ownership of more than half the voting shares, legislation, decree, or regulations that establish specific corporate policy or allow the government to appoint the directors. NBFCs & Fin Aux: NBFCs (Nonbank Financial Companies) & Fin Aux.(Financial Auxiliaries) are categorized into groups of development finance institutions, leasing companies, investment banks, modarba companies, housing finance companies, mutual funds, venture capital companies , discount houses, stock exchanges , exchange companies and insurance companies etc. Private Sector: This is that part of the economy which is run for private business profit and is not controlled by the state. This includes the majors sectors like Agriculture, Manufacturing etc. Trust Fund: This includes the Private Trusts and Non-profit Institution, Non-government Organization (NGOs)/ Community Based and Organizations (CBOs). Personal: This includes Bank Employees and Consumer Financing which are classified under advances, while in case of deposits, Salaried Persons, Self employed and Other Persons (House-wives, students etc) are included. Others: This includes all those which are not classified elsewhere. 33
  9. 3 .6 Classification of Scheduled Banks' Deposits by Size of Account ( End of Period : Million Rupees ) SIZE OF ACCOUNTS 2017 (Rs.) Jun Dec No of Accounts Less than 2018 Jun No of Amount Accounts Dec No of Amount Accounts 2019 Jun No of Amount Accounts No of Amount Accounts Amount 5,000 2,388,668 5,493.0 2,458,158 6,175.5 3,085,922 5,880.2 3,141,444 7,031.3 2,918,379 5,894.5 5,000 to 10,000 2,102,406 15,571.7 2,273,279 16,866.2 2,326,264 17,020.8 2,318,227 17,234.6 2,082,203 15,174.2 10,000 to 20,000 3,898,256 58,035.7 3,588,945 53,526.4 3,892,151 57,617.3 3,742,180 55,904.2 3,608,592 54,416.8 20,000 to 25,000 2,239,019 50,121.9 1,694,464 38,292.4 1,744,337 39,224.9 1,802,575 40,939.3 1,793,138 40,296.1 25,000 to 30,000 2,009,327 55,191.0 1,911,011 52,452.0 1,738,719 48,032.5 1,989,041 54,691.4 1,915,577 52,650.8 30,000 to 40,000 3,724,297 130,051.7 3,797,773 132,652.8 3,767,908 131,440.2 3,893,002 135,759.4 4,134,150 145,169.1 40,000 to 50,000 3,413,486 153,021.0 3,585,314 160,729.0 3,603,252 161,699.1 3,461,467 155,188.8 3,543,395 159,277.9 50,000 to 60,000 2,918,203 160,372.4 3,215,589 176,548.4 3,114,608 171,015.4 3,186,029 174,420.0 3,290,833 180,641.2 60,000 to 70,000 2,648,420 171,813.2 2,911,761 188,996.5 2,975,251 193,286.5 3,119,715 202,237.5 3,169,820 206,022.1 70,000 to 80,000 2,294,238 171,892.3 2,569,419 192,532.5 2,678,235 200,739.7 2,540,105 190,568.3 2,555,185 191,390.2 80,000 to 90,000 2,101,301 178,101.8 2,193,005 185,944.2 2,377,672 201,782.9 2,331,925 197,773.1 2,401,005 204,092.8 90,000 to 100,000 1,733,876 164,438.7 2,046,564 194,086.8 2,152,643 204,572.5 2,128,881 201,669.3 2,167,726 205,896.6 1,641,986.6 12,271,931 1,729,791.3 100,000 to 200,000 10,137,946 1,425,702.0 10,935,434 1,530,902.7 11,650,741 1,626,681.9 11,686,560 200,000 to 300,000 3,238,207 784,420.4 3,406,727 826,450.1 3,728,715 900,058.8 3,860,857 933,699.2 4,080,292 979,905.1 300,000 to 400,000 1,429,760 493,737.9 1,367,351 469,657.9 1,494,988 513,345.0 1,668,414 574,787.7 1,693,695 582,987.1 400,000 to 500,000 736,824 327,948.8 716,390 317,588.3 763,756 338,997.7 871,719 387,415.3 866,773 384,980.3 500,000 to 600,000 453,579 246,721.9 384,239 209,439.1 436,296 238,161.9 473,679 258,143.0 503,364 274,381.7 600,000 to 700,000 274,808 177,416.5 257,123 166,604.0 261,462 168,802.5 308,231 199,183.0 297,492 191,695.9 700,000 to 800,000 209,954 156,311.6 208,918 156,237.5 209,934 157,306.1 227,628 169,857.0 207,805 155,096.2 800,000 to 900,000 144,937 122,641.6 134,161 113,576.8 163,705 138,913.1 169,487 143,837.0 167,808 142,182.7 900,000 to 1,000,000 113,128 107,108.8 114,460 108,374.4 113,729 107,607.7 116,530 110,163.7 114,707 108,805.4 1,000,000 to 2,000,000 448,308 607,353.1 456,682 613,325.8 464,580 635,372.1 513,463 699,876.0 524,452 719,234.7 2,000,000 to 3,000,000 129,635 311,184.4 125,951 304,144.1 139,217 335,483.9 145,252 348,596.0 166,884 401,138.2 3,000,000 to 4,000,000 54,099 185,804.8 54,851 188,034.8 59,735 205,012.2 58,884 202,275.3 73,722 252,991.1 4,000,000 to 5,000,000 29,953 133,217.5 30,617 135,545.9 32,974 145,598.2 32,291 143,330.1 36,234 160,217.9 5,000,000 to 6,000,000 25,207 136,100.2 22,440 120,605.9 22,606 122,064.7 23,768 128,309.9 25,827 139,432.2 6,000,000 to 7,000,000 13,827 89,311.8 12,624 81,248.7 14,133 91,607.7 15,112 97,755.7 15,885 102,540.0 7,000,000 to 8,000,000 11,009 82,079.5 9,525 71,301.5 11,503 85,898.6 11,423 85,453.9 12,765 95,467.5 8,000,000 to 9,000,000 9,549 80,723.2 8,272 70,064.9 8,471 71,768.2 8,746 74,113.5 9,476 80,106.5 9,000,000 to 10,000,000 7,147 67,556.5 7,265 68,834.5 7,265 68,758.3 6,699 63,250.2 7,311 69,000.5 10,000,000 and over 66,738 4,742,655.6 67,022 4,996,153.3 70,775 5,265,299.3 69,969 5,488,550.2 74,575 5,981,083.3 49,006,112 11,592,100.6 50,565,334 11,946,893.0 53,111,547 12,649,049.9 53,923,303 TOTAL 13,184,000.4 54,731,001 14,011,959.8 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
  10. 3 .7 Classification of Scheduled Banks' Advances by Size of Accounts All Banks ( End of Period : Million Rupees) 2017 SIZE OF ACCOUNTS (Rs.) Jun 2018 Dec No. of Jun No. of 2019 Dec No. of Jun No. of No. of Accounts Amount Accounts Amount Accounts Amount Accounts Amount Accounts Amount Less than 10,000 369,450 1,101.1 241,601 762.8 303,063 1,636.1 304,928 824.7 128,658 303.5 10,000 to 20,000 33,744 492.4 408,202 5,869.7 190,614 2,771.4 123,178 1,989.3 328,999 5,184.0 20,000 to 25,000 25,309 585.0 27,772 616.5 30,125 656.6 46,677 1,019.3 111,002 2,292.9 25,000 to 30,000 168,553 4,616.7 180,873 5,019.6 254,051 7,362.1 156,410 4,485.5 112,129 3,238.4 30,000 to 40,000 105,883 3,855.2 70,559 2,537.7 192,801 6,352.2 341,816 11,034.3 268,536 8,771.3 40,000 to 50,000 266,319 12,042.8 193,721 8,493.4 188,278 8,250.3 146,616 6,512.5 77,218 3,581.9 50,000 to 60,000 59,339 3,236.2 87,442 4,762.3 86,155 4,635.2 127,408 6,801.6 204,841 11,041.3 60,000 to 70,000 113,417 7,486.4 46,715 2,994.7 55,082 3,593.6 45,741 2,917.7 61,641 3,992.0 70,000 to 80,000 42,924 3,212.7 131,585 10,131.5 30,031 2,247.7 23,909 1,782.9 35,626 2,646.2 80,000 to 90,000 61,920 5,305.4 50,895 4,355.8 138,931 11,783.7 41,060 3,523.0 32,731 2,776.2 90,000 to 100,000 59,200 5,607.0 70,940 6,707.6 51,456 4,861.9 52,539 4,961.4 48,932 4,601.0 100,000 to 200,000 803,233 121,335.8 681,101 104,611.5 590,037 90,462.5 667,056 102,874.0 582,039 90,481.7 200,000 to 300,000 482,099 116,986.9 459,708 110,075.0 396,853 95,066.7 577,697 138,953.5 460,656 111,537.6 300,000 to 400,000 164,543 55,836.3 154,447 53,360.0 171,485 59,881.5 218,399 73,832.3 167,032 56,449.9 400,000 to 500,000 149,659 67,746.4 145,995 63,990.9 91,087 40,721.9 118,516 52,898.1 70,164 31,618.2 500,000 to 600,000 83,168 45,283.1 106,378 57,574.9 69,509 38,740.7 77,507 42,046.1 77,859 43,485.0 600,000 to 700,000 29,971 19,418.2 59,474 38,952.8 93,432 60,988.6 75,733 48,823.1 85,371 54,937.6 700,000 to 800,000 57,399 42,520.8 83,393 62,264.9 50,922 38,154.3 67,639 50,736.9 62,860 46,683.9 800,000 to 900,000 36,966 31,174.6 44,642 37,653.3 32,408 27,517.0 46,598 39,435.4 42,683 36,051.4 900,000 to 1,000,000 21,711 20,644.9 35,804 33,806.4 33,759 32,055.6 35,345 33,625.3 28,154 26,841.6 1,000,000 to 2,000,000 77,870 104,588.1 134,821 175,180.6 115,280 155,669.2 114,198 153,262.9 106,592 143,973.8 2,000,000 to 3,000,000 31,135 74,501.1 47,062 112,274.0 40,204 98,980.6 32,738 81,092.6 31,536 77,595.2 3,000,000 to 4,000,000 14,649 52,128.0 16,844 57,846.1 14,834 51,759.1 16,710 58,384.8 16,507 57,568.9 4,000,000 to 5,000,000 10,480 47,519.6 11,199 50,607.3 11,095 50,345.5 13,389 60,749.7 11,948 54,282.1 5,000,000 to 6,000,000 6,442 35,147.3 9,443 51,471.7 8,196 44,799.2 8,561 46,815.5 8,408 45,726.7 6,000,000 to 7,000,000 5,604 36,077.3 5,203 33,718.4 5,836 37,606.7 6,685 43,490.7 8,032 52,041.7 7,000,000 to 8,000,000 4,645 34,522.7 5,081 38,328.5 4,210 31,508.4 4,828 36,183.0 7,640 58,637.4 8,000,000 to 9,000,000 2,971 25,081.2 3,567 30,507.4 3,924 33,232.3 4,662 39,665.1 4,231 35,882.2 9,000,000 to 10,000,000 3,464 33,027.4 3,275 31,406.2 3,689 35,075.7 3,994 38,306.0 5,925 56,759.9 30,134 10,000,000 to 100,000,000 27,853 850,816.0 908,924.9 32,399 973,585.8 35,499 1,070,853.7 42,286 1,262,265.4 100,000,000 to 500,000,000 5,821 1,232,095.8 6,015 1,271,228.6 6,872 1,469,577.9 7,090 1,503,345.0 7,069 1,510,095.9 500,000,000 and above 1,602 2,871,946.6 1,621 2,930,426.5 1,854 3,602,935.9 2,111 3,957,645.7 2,088 3,915,019.3 3,327,343 5,965,939.0 3,555,512 6,306,461.6 3,298,472 7,122,815.6 3,545,237 7,718,871.6 3,239,393 7,816,364.2 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 2017 SIZE OF ACCOUNTS (Rs.) Jun Dec No. of (End of Period: Million Rupees) 2019 2018 Jun No. of Dec No. of Jun No. of No. of Accounts Amount Accounts Amount Accounts Amount Accounts Amount Accounts Amount Less than 10,000 354,638 1,041.5 227,176 704.1 274,667 1,525.3 276,757 716.2 100,249 200.8 10,000 to 20,000 25,348 367.6 400,111 5,747.6 181,346 2,629.7 114,882 1,869.8 319,343 5,042.0 20,000 to 25,000 19,719 460.5 22,051 487.9 24,907 537.1 42,927 934.2 107,172 2,205.4 25,000 to 30,000 165,402 4,530.1 177,582 4,930.6 248,519 7,211.3 152,539 4,378.6 108,931 3,154.1 30,000 to 40,000 92,328 3,373.5 61,202 2,207.3 184,432 6,058.6 331,684 10,682.3 260,532 8,497.0 40,000 to 50,000 257,221 11,640.5 184,692 8,088.4 180,810 7,913.7 140,565 6,240.8 73,540 3,418.9 50,000 to 60,000 50,168 2,734.9 78,727 4,282.7 76,318 4,096.4 119,360 6,364.2 196,592 10,596.9 60,000 to 70,000 102,609 6,781.8 33,529 2,139.0 48,038 3,133.6 37,245 2,365.6 54,416 3,528.9 70,000 to 80,000 27,569 2,055.2 116,625 9,005.1 20,006 1,491.2 16,874 1,254.0 28,684 2,126.1 80,000 to 90,000 40,848 3,510.7 35,247 3,028.7 126,687 10,741.9 29,587 2,535.7 23,136 1,955.3 90,000 to 100,000 34,941 3,305.6 50,492 4,772.0 40,071 3,785.7 42,518 4,014.8 40,241 3,778.1 100,000 to 200,000 461,405 69,441.7 352,020 53,754.1 298,583 44,921.2 370,892 55,956.3 297,892 44,673.5 200,000 to 300,000 247,721 60,309.0 209,771 50,074.1 136,296 32,847.2 325,205 78,903.0 219,434 54,135.9 300,000 to 400,000 105,197 35,761.4 97,045 33,823.9 104,152 37,123.2 145,991 49,126.1 89,811 29,853.5 400,000 to 500,000 131,292 59,593.4 119,191 51,908.0 64,704 29,040.1 97,094 43,450.7 54,621 24,817.8 500,000 to 600,000 68,072 37,200.4 97,896 53,051.2 64,065 35,769.3 72,708 39,427.1 72,827 40,728.8 600,000 to 700,000 26,054 16,882.2 55,909 36,637.6 88,016 57,407.4 70,152 45,161.6 79,062 50,851.7 700,000 to 800,000 54,196 40,114.8 79,164 59,121.8 47,293 35,464.2 64,481 48,410.0 60,117 44,675.2 800,000 to 900,000 35,802 30,199.9 43,635 36,802.1 31,354 26,631.4 45,636 38,627.7 42,046 35,517.7 900,000 to 1,000,000 21,365 20,315.8 35,441 33,461.9 33,472 31,782.4 35,023 33,317.8 27,860 26,563.7 1,000,000 to 2,000,000 76,872 103,202.6 133,748 173,703.3 113,725 153,529.1 112,931 151,499.9 105,428 142,381.0 2,000,000 to 3,000,000 30,665 73,306.8 46,520 110,928.1 39,689 97,690.3 32,253 79,879.2 31,065 76,434.3 3,000,000 to 4,000,000 14,528 51,717.6 16,676 57,272.5 14,566 50,834.8 16,430 57,427.9 16,271 56,761.1 4,000,000 to 5,000,000 10,368 47,022.6 11,120 50,250.7 10,983 49,835.1 13,305 60,373.0 11,844 53,812.2 5,000,000 to 6,000,000 6,401 34,928.7 9,391 51,187.8 8,145 44,519.0 8,478 46,360.2 8,315 45,226.3 6,000,000 to 7,000,000 5,589 35,979.0 5,188 33,619.0 5,797 37,354.5 6,649 43,254.7 8,006 51,870.5 7,000,000 to 8,000,000 4,631 34,416.0 5,064 38,199.6 4,177 31,258.3 4,787 35,875.6 7,595 58,293.4 8,000,000 to 9,000,000 2,959 24,977.8 3,557 30,421.5 3,893 32,969.3 4,633 39,421.0 4,208 35,683.0 9,000,000 to 10,000,000 3,448 32,876.8 3,256 31,225.6 3,667 34,868.6 3,978 38,153.9 5,897 56,493.1 10,000,000 to 100,000,000 27,733 847,800.5 30,016 905,853.9 32,262 970,318.4 35,374 1,067,714.6 42,154 1,258,964.4 100,000,000 to 500,000,000 5,808 1,229,102.9 6,002 1,268,171.0 6,859 1,466,367.0 7,076 1,499,882.2 7,058 1,507,033.6 500,000,000 and above 1,600 2,870,469.4 1,619 2,929,064.2 1,852 3,601,414.7 2,109 3,956,292.5 2,086 3,913,498.8 2,512,497 5,795,421.1 2,749,663 6,133,925.5 2,519,351 6,951,070.1 2,780,123 7,549,871.1 2,506,433 7,652,773.0 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, 2019 (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 Trust Funds and Non-Profit Institutions Personal Others Amount No. of A/C Amount No of A/C Amount No. of A/C Amount No. of A/C Amount No. of A/C Amount 2 0.0 111,761 207.4 9 0.0 15,703 92.5 1,094 TOTAL No. of Amount A/C No. of A/C Amount 3.5 128,658 303.5 Less than 10 - - 2 0.0 87 0.1 10 to 20 - - - - 1 0.0 1 0.0 32,082 401.5 2 0.0 296,657 4,778.6 256 3.9 328,999 5,184.0 20 to 25 - - - - - - 54 1.2 6,438 144.7 3 0.1 104,490 2,146.6 17 0.4 111,002 2,292.9 25 to 30 - - - - - - - - 8,311 224.3 - - 103,787 3,013.2 31 0.9 112,129 3,238.4 30, to 40, - - - - 166 5.8 - - 10,752 366.5 1 0.0 257,529 8,396.0 88 3.0 268,536 8,771.3 40 to 50 - - - - 1 0.0 - - 6,027 271.2 - - 71,147 3,308.7 43 2.0 77,218 3,581.9 50 to 60 - - - - 54 3.0 1 0.1 15,524 842.2 16 0.8 189,069 10,185.5 177 9.8 204,841 11,041.3 60 to 70 - - - - - - 58 3.5 18,669 1,193.8 - - 42,851 2,790.6 63 4.0 61,641 3,992.0 70 to 80 - - - - - - 1 0.1 13,697 1,034.0 - - 21,818 1,603.9 110 8.1 35,626 2,646.2 2,776.2 80 to 90 - - - - - - 86 7.5 15,913 1,346.0 1 0.1 16,581 1,409.8 150 12.8 32,731 90 to 100 - - - - - - 110 10.3 16,095 1,524.4 - - 32,694 3,063.1 33 3.2 48,932 4,601.0 100 to 200 - - 5 0.5 - - 6 1.0 377,069 60,181.6 6 1.1 204,752 30,267.8 201 29.6 582,039 90,481.7 200 to 300 - - - - 8 1.8 54 11.9 338,559 81,831.7 5 1.4 121,937 29,667.3 93 23.6 460,656 111,537.6 300 to 400 - - - - 199 62.1 16 5.7 99,908 34,448.5 - - 66,857 21,916.1 52 17.6 167,032 56,449.9 400 to 500 - - - - - - 131 59.7 34,612 15,397.2 - - 35,392 16,148.1 29 13.2 70,164 31,618.2 500 to 600 - - - - 1 0.6 97 49.0 19,913 10,883.0 30 15.9 57,746 32,496.2 72 40.3 77,859 43,485.0 600 to 700 - - - - 7 4.8 142 90.8 20,528 13,308.7 1 0.7 64,604 41,473.4 89 59.2 85,371 54,937.6 700 to 800 - - - - 1 0.8 145 108.9 16,114 12,003.3 3 2.1 46,590 34,563.4 7 5.4 62,860 46,683.9 800 to 900 - - - - 11 8.9 20 17.2 14,284 12,114.2 6 5.3 28,350 23,895.5 12 10.3 42,683 36,051.4 900 to 1,000 - - - - 37 36.1 60 55.9 12,680 12,123.8 15,357 14,607.1 20 18.7 28,154 26,841.6 1,000 to 2,000 - - - - 88 138.9 698 971.3 43,398 60,147.4 18 20.7 62,339 82,625.6 51 69.8 106,592 143,973.8 2,000 to 3,000 - - 2 5.2 11 24.9 260 623.0 16,593 41,405.7 20 46.9 14,597 35,364.6 53 124.8 31,536 77,595.2 3,000 to 4,000 - - 16 62.9 13 47.8 383 1,333.9 10,021 34,793.0 9 32.8 6,037 21,203.0 28 95.5 16,507 57,568.9 4,000 to 5,000 - - - - 1 4.2 111 531.3 7,905 35,826.7 9 40.4 3,909 17,820.9 13 58.6 11,948 54,282.1 5,000 to 6,000 - - - - - - 52 271.8 5,936 32,344.5 3 15.4 2,405 13,028.0 12 67.0 8,408 45,726.7 6,000 to 7,000 - - 1 6.0 14 90.6 15 95.1 6,232 40,371.2 - - 1,764 11,440.1 6 38.7 8,032 52,041.7 7,000 to 8,000 - - - - 32 230.4 87 666.0 6,327 48,808.8 2 15.3 1,191 8,909.8 1 7.1 7,640 58,637.4 8,000 to 9,000 - - - - 19 162.5 5 41.6 2,794 23,664.2 1 8.8 1,409 11,978.4 3 26.7 4,231 35,882.2 9,000 to 10,000 - - - - 2 19.9 58 529.8 5,108 49,010.8 3 27.4 752 7,152.1 2 19.9 5,925 56,759.9 10,000 to 100,000 1 78.8 22 829.1 388 19,749.7 305 8,744.3 37,468 1,127,219.5 27 1,175.3 4,046 103,482.1 29 986.6 42,286 1,262,265.4 100,000 to 500,000 1 359.3 40 13,847.8 141 39,332.9 143 33,190.5 6,501 1,379,987.5 23 5,059.6 217 38,007.8 3 310.4 7,069 1,510,095.9 500,000 and above - - 230 1,123,339.3 64 55,369.5 1,639 1,886,701.4 15 11,912.5 33 43,476.4 1 763.6 2,088 3,915,019.3 TOTAL 2 438.1 18,382.7 1,892,610 680,312.4 2,839 106 793,456.6 194 808,208.2 1,512 1,183,264.9 3,165 102,791.0 1,338,858 5,020,128.8 213 2,838.1 3,239,393 7,816,364.2 Source: Statistics & Data Warehouse Department, SBP 37
  13. 3 .10 Classification of Scheduled Banks' Advances by Borrowers All Banks (End of Period: Million Rupees) 2017 BORROWERS Foreign Constituents Dec All Banks Jun Commercial Banks Specialized Banks - 78.8 483.4 438.1 438.1 - 676,690.1 833,699.6 773,136.5 808,208.2 807,208.2 1,000.0 233,142.0 223,449.2 237,847.6 258,199.1 269,317.6 269,317.6 - 229,240.8 219,729.1 231,376.1 230,554.3 232,264.4 232,264.4 - 3,901.2 3,720.1 6,471.5 27,644.8 37,053.2 37,053.2 - 458,275.4 453,240.9 595,852.0 514,937.4 538,890.5 537,890.5 1,000.0 457,887.2 452,195.3 588,407.5 504,463.5 528,400.2 527,400.2 1,000.0 388.3 1,045.6 7,444.6 10,473.9 10,490.4 10,490.4 - - - - - - - - 804,368.9 880,760.7 1,046,777.1 1,219,558.3 1,183,264.9 1,183,264.9 - (1) Agriculture, Forestry, Hunting & Fishing - - - - - - - (2) Mining & Quarrying - 1,500.0 - - - - - 50,652.2 58,267.8 70,844.3 76,267.8 77,050.1 77,050.1 - - - - - - - - (5) Utilities 149,872.4 307,074.9 386,585.3 478,500.5 578,497.7 578,497.7 - (6) Commerce 154,222.0 146,385.6 75,675.2 143,248.1 97,840.5 97,840.5 - (7) Transport, Storage & Communication 187,636.4 231,605.3 241,457.5 249,001.0 277,861.6 277,861.6 - 278.5 328.3 229.6 86.1 349.0 349.0 - 261,707.4 135,598.9 271,985.1 272,454.8 151,666.2 151,666.2 - 81,428.9 79,232.8 80,721.6 107,953.9 102,791.0 102,601.9 189.1 (1) Commodity Operations (2) Others B. Provincial Governments: (1) Commodity Operations (2) Others C. Local Bodies ( City Governments ) Non-Financial Public Sector Enterprises : (3) Manufacturing (4) Construction (8) Services (9) Others Non-Bank Financial Institutions : (1) Co-operative Banks - - - - - - - 19,759.4 22,609.9 19,678.1 32,221.4 25,649.4 25,649.4 - (3) Insurance Companies 5,980.0 8,611.3 6,247.9 5,772.2 5,636.9 5,636.9 - (4) Micro Finance 2,505.3 2,233.5 1,649.4 7,311.2 12,906.5 12,906.5 - (5) Other NBFC's 53,184.1 45,778.1 53,146.1 62,649.2 58,598.2 58,409.1 189.1 3,861,265.0 4,100,889.2 4,531,966.5 4,954,290.7 5,020,128.8 4,860,449.4 159,679.4 297,493.2 309,189.2 305,532.2 306,553.2 299,926.7 159,252.0 140,674.7 (1) Growing of crops 194,713.9 190,071.5 183,822.8 184,661.2 177,720.8 105,400.3 72,320.5 (2) Farming of animals 76,361.1 88,901.3 91,982.5 90,541.1 93,979.8 41,316.2 52,663.6 2,452.1 4,280.7 4,614.1 6,979.8 5,093.4 5,093.4 - 23,628.9 25,634.3 24,545.3 23,999.5 22,816.3 7,127.4 15,688.9 337.2 301.5 567.3 371.8 316.4 314.6 1.7 873.8 636.7 540.9 527.0 1,013.2 981.4 31.7 (2) Development Financial Institutions IV. Jun - A. Federal Government: III. Dec 2019 691,417.4 1. Government: II. Jun 2018 Private Sector Enterprises : A. Agriculture, Hunting and Forestry (3) Agricultural and animal husbandry (4) Agricultural machinery and equipments (5) Hunting, trapping, forestry & logging B. Fishing and fish farming etc. C. Mining and Quarrying 40,154.4 42,969.5 42,599.1 48,372.2 64,746.8 64,675.2 71.6 (1) Mining of coal 14,029.6 16,898.7 20,317.3 23,319.7 28,278.3 28,229.3 49.0 (2) Crude petroleum & natural gas 23,256.2 22,089.7 18,895.0 21,743.0 32,874.3 32,874.3 - (3) Iron & non-ferrous metal ores 694.0 813.7 752.3 798.3 811.6 811.6 - (4) Quarrying of stone, sand and clay 478.1 1,232.2 647.8 678.4 765.2 749.9 15.3 (5) Chemical, fertilizer, Salt etc. D. Manufacturing (1) Food products and beverages (2) Tobacco products (3) Textiles i) Spinning, weaving, finishing of textiles 1,696.5 1,935.1 1,986.7 1,832.7 2,017.3 2,010.0 7.3 2,238,364.3 2,369,333.9 2,632,731.3 2,986,166.7 3,013,181.6 3,001,005.1 12,176.5 607,949.7 608,137.3 744,055.6 752,464.1 801,091.2 795,226.9 5,864.3 8,577.6 975.2 1,161.3 1,157.0 1,641.9 1,597.7 44.2 689,065.3 801,589.5 798,967.3 981,289.6 899,253.0 896,311.2 2,941.9 532,401.1 605,576.2 625,286.5 778,887.7 700,180.7 697,767.9 2,412.9 a) Spinning of fibers 297,806.5 332,679.0 344,011.1 432,488.6 377,030.1 375,479.6 1,550.5 b) Weaving of textiles 128,738.0 146,429.6 149,985.8 176,580.5 167,236.3 167,145.3 91.0 c) Finishing of textiles 105,856.6 126,467.5 131,289.6 169,818.5 155,914.4 155,143.0 771.4 ii) Made-up textile articles 59,217.2 81,219.1 79,419.6 98,816.8 100,464.2 100,458.4 5.8 iii) Knit wear 28,522.9 27,624.1 37,508.7 33,432.1 30,643.9 30,170.8 473.0 iv) Carpets and rugs 11,515.9 9,205.0 9,089.3 8,935.5 5,906.8 5,898.5 8.3 v) Other textiles n.e.s. 57,408.2 77,965.0 47,663.3 61,217.6 62,057.4 62,015.5 41.8 75,085.5 84,459.6 86,574.8 96,242.5 95,191.4 94,982.3 209.1 23,885.9 22,871.3 25,559.7 27,683.7 31,534.6 31,387.0 147.6 (4) Wearing apparel, readymade garments etc. 5) Tanning and dressing of leather; manufacture of luggage and footwear i.) Tanning & dressing of leather, luggage, handbags etc. ii.) Footwear 9,387.6 8,293.4 9,206.4 11,416.9 11,808.9 11,733.3 75.6 14,498.3 14,577.9 16,353.3 16,266.7 19,725.7 19,653.7 72.0 38
  14. 3 .10 Classification of Scheduled Banks' Advances by Borrowers All Banks (End of Period: Million Rupees) 2017 BORROWERS 6) Wood and products of wood cork 7) Paper, paperboard and products 8) Printing, publishing and allied industries 9) Coke and refined petroleum products 10) Chemicals and chemical products Jun 2018 Dec Jun 2019 Dec All Banks Jun Commercial Banks Specialized Banks 2,518.5 2,311.0 2,890.9 2,805.4 4,331.7 4,275.2 56.5 40,647.2 38,366.5 48,226.4 49,518.6 51,455.8 51,319.3 136.4 88.7 7,807.1 9,788.3 12,656.5 12,975.6 13,022.0 12,933.2 75,600.3 60,834.9 57,821.0 85,151.6 94,074.7 94,074.7 - 294,683.3 272,687.3 285,947.6 301,437.6 332,571.5 331,497.3 1,074.2 11) Rubber and plastics products 34,394.6 37,068.5 42,693.0 47,827.6 45,219.6 45,030.3 189.3 12) Other non-metallic mineral products 84,636.3 107,270.2 139,972.2 178,329.1 187,171.4 186,477.1 694.3 100,631.2 111,351.4 135,120.4 149,242.1 157,816.3 157,586.5 229.8 14) Fabricated metal products 23,077.8 23,074.7 29,804.6 35,800.7 35,539.6 35,484.0 55.6 15) Machinery and equipment 25,624.8 35,097.0 40,347.3 50,571.8 53,463.8 53,412.3 51.5 347.0 292.5 248.4 210.3 207.1 205.2 1.9 63,239.3 69,594.6 92,690.9 90,926.4 90,149.0 90,116.1 32.9 5,583.1 3,587.6 4,967.3 5,132.8 7,575.6 7,569.0 6.7 13) Basic metals 16) Office, accounting and computing machinery 17) Electrical machinery and apparatus 18) Radio, television and communication equipment and apparatus 19) Medical, precision and optical instruments, watches and clocks 20) Motor vehicles, trailers and semi-trailers 4,686.9 5,523.9 5,640.5 5,858.3 5,900.6 5,869.1 31.5 19,442.2 24,693.8 27,265.1 52,662.8 50,330.3 50,228.8 101.5 21) Other transport equipments 6,640.3 7,112.4 9,685.8 13,470.7 16,047.4 16,046.3 1.1 22) Furniture and fixture 2,670.7 3,303.2 3,021.7 2,613.1 3,015.0 2,929.4 85.6 23) Jewellery and related articles 660.7 674.0 552.7 563.2 591.1 544.6 46.6 4,742.6 4,986.4 5,188.2 4,924.0 4,363.1 4,349.0 14.0 268.4 72.2 60.4 68.6 423.4 407.8 15.7 35,898.0 33,610.4 31,611.8 37,239.3 31,200.3 31,144.9 55.4 25,971.0 32,258.2 51,801.0 38,901.0 20,042.9 20,042.9 - F. Electricity, gas and water supply 364,046.9 379,772.3 447,033.5 445,387.1 492,809.1 492,801.9 7.3 G. Construction 131,483.1 138,445.8 165,346.8 157,562.6 150,990.2 150,722.9 267.2 1) Building 66,099.4 72,276.4 89,822.0 80,614.7 76,658.3 76,464.3 194.0 2) Infrastructure 65,383.7 66,169.4 75,524.8 76,947.9 74,331.9 74,258.7 73.2 296,578.4 335,734.1 360,292.7 414,569.1 424,120.7 420,656.2 3,464.6 24) Sports goods 25) Handicrafts 26) Other manufacturing n.e.s. E. Ship breaking and waste / scrape (junk) etc. H. Commerce and Trade 1) Sale, maintenance and repair of motor vehicles and motorcycles 2) Wholesale and commission trade 17,526.0 17,649.6 19,036.1 21,295.1 21,982.2 21,627.0 355.2 141,452.7 164,304.0 190,506.8 228,711.2 242,034.8 241,880.5 154.3 i) Exports 19,755.8 19,429.7 24,502.2 30,932.9 32,209.4 32,209.4 - ii) Imports 32,468.8 37,753.6 42,022.6 53,935.2 52,412.6 52,412.2 0.5 89,228.1 107,120.8 123,982.0 143,843.1 157,412.8 157,258.9 153.9 137,599.7 153,780.4 150,749.8 164,562.8 160,103.8 157,148.7 2,955.0 iii) Domestic whole sales 3) Retail trade I. Hotels, restaurants and clubs etc 33,914.0 32,906.0 37,257.2 34,350.5 34,141.3 33,978.1 163.2 J. Transport, storage and communications 202,744.9 219,275.3 224,659.9 229,303.4 222,652.6 221,082.1 1,570.5 K. Real estate, renting and business activities 129,096.2 142,724.9 164,062.3 186,047.6 185,570.0 185,380.9 189.1 17,429.9 19,222.7 22,960.8 23,076.5 20,401.7 20,251.2 150.5 L. Education M. Health and social work N. Other community, social and personal service activities O. Other private business n.e.s 4,891.7 7,176.1 8,703.7 10,563.2 10,539.2 10,452.7 86.5 29,519.7 32,377.2 26,930.6 29,079.4 33,526.8 33,406.0 120.8 48,703.5 38,867.2 41,514.6 43,831.2 46,466.1 45,760.9 705.3 V. Trust Funds and Non-Profit Institutions 16,805.9 16,669.7 19,304.8 20,145.9 18,382.7 18,319.2 63.5 504,439.6 549,363.4 606,235.2 639,954.7 680,312.4 678,065.2 2,247.2 A. Bank Employees 110,742.8 114,638.4 122,744.1 125,615.4 137,888.7 135,669.7 2,219.0 B. Consumer Financing 389,551.8 425,026.9 476,011.4 505,780.2 533,328.7 533,300.5 28.2 i) House building 61,728.6 73,121.1 82,938.9 91,243.7 93,373.7 93,373.7 - 151,297.0 171,021.3 193,596.6 205,347.1 215,806.4 215,804.1 2.3 29,963.2 34,195.6 37,447.7 41,086.3 44,464.8 44,464.8 - 1,513.8 3,728.0 2,768.8 3,224.8 6,476.7 6,466.9 9.8 145,049.2 142,960.9 159,259.3 164,878.3 173,207.1 173,191.0 16.1 4,144.9 9,698.1 7,479.7 8,559.0 9,095.0 9,095.0 - 6,213.3 2,855.8 4,032.1 3,348.3 2,838.1 2,426.0 412.1 5,965,938.9 6,306,461.6 7,122,815.6 7,718,871.6 7,816,364.2 7,652,772.9 163,591.3 VI. Personal ii) Transport iii) Credit cards iv) Consumer durable v) Personal loans C. Other Personal VII. Others TOTAL Source: Statistics & Data Warehouse Department, SBP 39
  15. 3 .11 Classification of Scheduled Banks' Advances by Securities Pledged All Banks (End of Period: Million Rupees) 2017 SECURITIES 2018 2019 Jun Jun Dec Jun Dec 63,725.3 61,222.4 85,754.6 63,459.7 73,073.7 73,073.7 - 237,485.0 172,495.8 318,273.0 234,334.8 89,447.5 89,447.5 - 185,849.9 119,035.7 263,454.5 179,170.2 63,785.5 63,785.5 - 38,595.0 53,864.9 117,402.5 86,531.5 19,247.3 19,247.3 - (a) Government and other Trustee Securities 18,993.8 37,547.6 102,082.9 65,290.3 640.4 640.4 - (b) Shares and Debentures 19,451.4 16,046.9 15,182.8 15,435.5 17,624.0 17,624.0 - - - - - - - - (d) Others 149.9 270.4 136.8 5,805.6 982.9 982.9 - 2. To others: 147,254.9 65,170.8 146,052.0 92,638.7 44,538.2 44,538.2 - 121,813.5 42,192.5 88,208.9 54,997.9 2,478.0 2,478.0 - 24,738.3 21,810.3 55,275.9 28,783.1 31,064.7 31,064.7 - - - - - 0.4 0.4 - 703.0 1,168.1 2,567.2 8,857.7 10,995.2 10,995.2 - B. Unquoted on the Stock Exchange: 51,635.0 53,460.0 54,818.5 55,164.7 25,662.0 25,662.0 - 1. To Stock Brokers and Dealers: 9,497.4 12,699.0 9,641.5 11,286.2 7,910.4 7,910.4 - (a) Government and other Trustee Securities 7,450.5 9,923.0 8,283.4 9,985.7 5,899.5 5,899.5 - (b) Shares and Debentures 2,034.0 1,710.8 1,336.5 1,136.8 1,943.8 1,943.8 - (c) Participation Term Certificates 7.2 9.5 9.5 9.5 9.5 9.5 - (d) Others 5.8 1,055.7 12.1 154.2 57.6 57.6 - 2. To others: 42,137.6 40,761.0 45,177.0 43,878.4 17,751.5 17,751.5 - 37,674.2 32,401.5 36,871.5 34,053.7 9,034.1 9,034.1 - 1,752.4 2,509.5 2,530.5 3,532.2 3,511.2 3,511.2 - - - - - - - - 2,711.0 5,850.0 5,775.1 6,292.5 5,206.2 5,206.2 - 1,732,833.8 1,851,942.7 2,074,959.9 2,382,418.4 2,228,419.7 2,228,204.5 215.2 A. Food Items 549,274.4 575,181.0 630,341.6 611,092.4 569,780.2 569,756.7 23.5 1. Wheat 125,998.1 146,439.9 159,316.8 77,557.5 96,740.2 96,740.2 - 65,862.4 88,554.8 83,258.0 117,499.3 101,587.4 101,585.0 2.4 I. Gold, Bullion, Gold & Silver Ornaments and Precious Metals II. Securities, Shares and other Financial Instruments: A. Quoted on the Stock Exchange: 1. To Stock Brokers and Dealers: (c) Participation Term Certificates (a) Government and other Trustee Securities (b) Shares and Debentures (c) Participation Term Certificates (d) Others (a) Government and other Trustee Securities (b) Shares and Debentures (c) Participation Term Certificates (d) Others III. Merchandise 2. Rice and paddy 3. Other Grains & Pulses: All Banks Commercial Specialized Banks Banks 6,202.2 9,412.5 5,935.0 7,484.7 8,231.3 8,222.3 9.0 (a) Indigenous 4,318.6 7,993.7 4,939.1 5,840.7 5,295.3 5,286.3 9.0 (b) Imported 1,883.6 1,418.8 995.9 1,644.0 2,936.0 2,936.0 - 4. Edible Oils: 28,819.8 50,682.3 50,778.5 67,065.2 66,752.0 66,746.7 5.4 (a) Indigenous 15,377.1 34,623.1 33,113.6 47,007.9 43,556.7 43,551.3 5.4 (b) Imported 13,442.6 16,059.2 17,664.9 20,057.3 23,195.3 23,195.3 - 215,655.1 178,316.9 231,756.7 266,539.7 221,458.0 221,458.0 - 208,924.3 171,850.8 228,709.0 255,896.1 178,018.9 178,018.9 - 6,730.7 6,466.1 3,047.7 10,643.6 43,439.0 43,439.0 - 6. Kariana and Spices 1,332.1 1,939.4 2,413.8 2,108.1 2,852.2 2,852.2 - 7. Fish and Fish preparations 1,992.9 1,259.6 1,578.6 1,542.9 1,265.0 1,265.0 - 103,411.9 98,575.5 95,304.1 71,295.1 70,894.1 70,887.3 6.8 100,311.6 96,536.9 93,343.3 69,971.1 63,229.1 63,222.3 6.8 3,100.3 2,038.6 1,960.8 1,324.0 7,665.0 7,665.0 - B. Raw Materials: 437,638.9 428,706.6 488,878.1 653,834.4 599,658.9 599,551.4 107.5 1. Cotton Raw: 128,302.7 137,731.1 133,777.5 209,321.2 162,743.9 162,743.9 - 122,316.8 131,507.4 129,447.7 203,884.9 156,337.3 156,337.3 - 5,985.9 6,223.7 4,329.9 5,436.3 6,406.6 6,406.6 - 2. Synthetic Fibers: 25,963.0 13,767.4 14,478.6 22,827.5 14,906.1 14,866.1 40.0 (a) Indigenous 24,514.2 12,766.1 12,666.9 20,128.4 13,644.1 13,604.1 40.0 1,448.8 1,001.3 1,811.7 2,699.1 1,262.0 1,262.0 - 63,804.4 64,806.9 72,075.3 81,195.4 74,299.6 74,299.6 - (a) Indigenous 53,316.9 57,150.8 65,146.0 72,673.5 65,897.6 65,897.6 - (b) Imported 10,487.5 7,656.1 6,929.3 8,521.9 8,402.0 8,402.0 - 5. Sugar: (a) Indigenous (b) Imported 8. Other Food Items: (a) Indigenous (b) Imported (a) Indigenous (b) Imported (b) Imported 3. Fertilizers: 40
  16. 3 .11 Classification of Scheduled Banks' Advances by Securities Pledged All Banks (End of Period: Million Rupees) 2017 SECURITIES 4. Petroleum Crude (a) Indigenous (b) Imported 5. Iron & Steel: (a) Indigenous (b) Imported 6. Wool & Goat Hair 7. Hides & Skins 8. Oil Seeds 9. Pesticides & Insecticides: (a) Indigenous (b) Imported 10. Other Raw Materials: (a) Indigenous (b) Imported C. Finished / Manufactured Goods: 1. Cotton Textiles: (a) Indigenous (b) Imported 2. Cotton Yarn: (a) Indigenous (b) Imported 3. Other Textiles: (a) Indigenous (b) Imported 4. Machinery: (a) Indigenous (b) Imported 5. Handloom Products 6. Carpets & Rugs 7. Readymade Garments 8. Cement and Cement Products: (a) Indigenous (b) Imported 9. Sports Goods 10. Surgical Instruments 11. Chemicals and Dyes 12. Other Finished Goods: (a) Indigenous (b) Imported IV. Fixed Assets Including Machinery V. Real Estate: (a) Land (b) Buildings: 1. Residential 2. Non-Residential VI. Fixed Deposits and Insurance Policies : (a) Bank Deposits (b) Insurance Policies VII. Others: (a) Other Secured Advances (b) Advances Secured by Guarantee(s) (c) Unsecured Advances TOTAL 2018 2019 Jun Jun Dec Jun Dec 43,045.1 34,409.4 44,751.2 28,210.9 20,925.8 33,880.9 14,834.2 13,483.6 79,120.0 All Banks Commercial Banks Specialized Banks 95,025.3 116,818.1 116,818.1 - 73,759.1 99,638.6 99,638.6 - 10,870.4 21,266.3 17,179.5 17,179.5 - 83,264.0 122,749.1 137,306.0 121,437.1 121,407.6 29.4 40,660.0 44,009.7 71,947.3 85,590.3 78,736.5 78,707.0 29.4 38,459.9 39,254.2 50,801.8 51,715.7 42,700.6 42,700.6 - 861.3 1,051.0 1,534.0 1,523.9 1,306.4 1,306.4 - 5,568.3 4,424.6 4,655.2 4,935.8 4,734.7 4,700.9 33.8 15,366.0 10,583.0 12,141.5 11,546.8 11,440.8 11,440.8 - 2,768.9 2,121.6 2,475.7 2,271.1 2,346.8 2,342.6 4.3 2,705.8 2,043.3 2,470.8 2,265.7 2,273.5 2,269.2 4.3 63.2 78.3 4.9 5.4 73.3 73.3 - 72,839.2 76,547.8 80,240.0 87,881.3 89,625.4 89,625.4 - 66,537.8 48,901.8 66,411.7 76,864.4 71,792.3 71,792.3 - 6,301.3 27,646.0 13,828.3 11,017.0 17,833.0 17,833.0 - 745,920.6 848,055.1 955,740.2 1,117,491.5 1,058,980.7 1,058,896.5 84.2 133,294.4 143,189.0 175,047.4 243,643.1 203,188.2 203,185.1 3.1 123,212.6 129,808.3 160,829.9 228,330.1 170,690.8 170,687.7 3.1 10,081.7 13,380.8 14,217.5 15,312.9 32,497.4 32,497.4 - 72,517.1 77,666.8 85,142.1 105,003.5 115,916.3 115,916.3 - 63,556.8 69,825.6 75,966.6 97,988.7 105,862.2 105,862.2 - 8,960.3 7,841.2 9,175.5 7,014.9 10,054.0 10,054.0 - 121,743.9 159,964.3 176,788.6 177,671.7 176,508.4 176,477.1 31.2 107,399.0 108,160.9 115,741.4 144,396.2 154,797.9 154,766.6 31.2 14,344.9 51,803.3 61,047.2 33,275.5 21,710.5 21,710.5 - 22,683.7 24,547.7 31,599.0 48,275.7 34,930.3 34,930.3 - 10,622.0 9,971.7 14,544.3 18,245.5 20,020.3 20,020.3 - 12,061.7 14,576.0 17,054.8 30,030.3 14,910.0 14,910.0 - 127.2 162.9 140.1 140.1 163.1 163.1 - 2,241.4 1,971.3 10,265.7 11,418.2 12,345.9 12,345.9 - 56,961.4 89,036.7 74,223.6 81,617.0 49,593.4 49,593.4 - 36,562.4 42,250.9 54,583.9 72,412.3 85,433.9 85,430.2 3.7 34,822.4 40,085.2 52,458.0 69,364.9 80,799.6 80,795.8 3.7 1,740.0 2,165.7 2,125.8 3,047.4 4,634.4 4,634.4 - 4,057.2 5,797.5 5,613.4 6,055.8 5,244.3 5,244.3 - 5,172.2 5,403.0 5,469.4 6,075.3 6,837.4 6,836.0 1.3 30,473.3 30,350.2 38,301.5 39,977.2 36,955.3 36,951.7 3.6 260,086.4 267,714.8 298,565.4 325,201.6 331,864.2 331,823.0 41.2 250,329.5 230,347.9 286,940.9 315,164.9 261,446.0 261,404.8 41.2 9,756.9 37,367.0 11,624.5 10,036.7 70,418.1 70,418.1 - 1,294,807.5 1,133,144.8 1,231,151.7 1,212,520.0 1,541,527.6 1,538,720.9 2,806.7 681,507.5 793,048.3 808,118.7 984,843.0 789,100.4 646,790.4 142,310.0 290,452.1 330,411.0 329,039.1 361,504.7 358,932.6 220,771.4 138,161.2 391,055.4 462,637.4 479,079.6 623,338.3 430,167.8 426,019.1 4,148.8 106,271.6 156,734.9 161,911.7 214,846.1 161,005.2 159,958.1 1,047.1 284,783.8 305,902.4 317,167.9 408,492.2 269,162.6 266,060.9 3,101.7 33,528.6 38,747.0 35,749.9 44,404.6 48,624.6 48,597.1 27.5 9,967.4 13,177.0 21,976.0 21,038.7 25,703.1 25,682.6 20.5 23,561.2 25,570.0 13,773.9 23,365.9 22,921.5 22,914.5 7.0 1,922,051.4 2,255,860.7 2,568,807.8 2,796,891.1 3,046,170.8 3,027,938.8 18,231.9 1,452,825.4 1,825,073.9 1,978,776.3 2,063,084.0 1,747,055.1 1,741,503.8 5,551.3 388,047.4 374,937.5 518,645.7 657,406.0 1,145,832.3 1,137,493.6 8,338.7 81,178.6 55,849.3 71,385.8 76,401.1 153,283.4 148,941.5 4,341.9 5,965,939.0 6,306,461.6 7,122,815.6 7,718,871.6 7,816,364.2 7,652,772.9 163,591.3 Source: Statistics & Data Warehouse Department, SBP 41
  17. 3 .12 Classification of Scheduled Banks' Advances by Rates of Margin ( Million Rupees ) 2017 RATES OF MARGIN (%) Jun No. of A/Cs. 0 2018 Dec Jun 2019 Dec Jun Amount No. of A/Cs. Amount No. of A/Cs. Amount No. of A/Cs. Amount No. of A/Cs. Amount 1,629,480 1,747,259.2 1,483,588 1,784,968.6 1,545,847 2,526,285.0 1,842,784 2,739,355.7 1,619,360 2,971,948.0 5 66,729 188,211.7 65,206 180,351.6 11,870 54,508.3 52,429 146,330.4 55,951 145,127.8 10 59,025 716,464.3 680,710 673,721.1 470,923 438,166.8 67,551 672,876.6 64,313 443,471.6 15 27,830 289,273.9 62,002 405,949.2 29,073 499,872.8 59,621 545,391.2 17,937 426,501.7 20 801,979 698,904.4 767,417 744,863.7 762,334 902,075.6 770,002 736,685.7 749,151 917,939.3 25 170,705 1,483,253.6 294,469 1,692,850.1 181,843 1,494,096.0 177,747 1,524,757.2 155,175 1,642,820.7 30 61,860 237,879.8 75,904 298,014.8 155,800 328,734.9 42,678 313,071.6 48,694 377,458.1 140 559.7 142 595.8 2,061 5,885.3 2,082 4,326.5 166 3,004.9 35 10,628 76,691.2 15,283 79,279.1 15,596 77,731.7 26,796 190,376.4 28,022 321,546.2 40 399,053 181,106.4 43,211 113,368.2 32,579 149,122.0 417,767 163,522.3 440,478 243,481.7 45 3,922 27,977.6 2,175 17,320.9 7,088 43,512.0 2,366 37,167.9 2,698 43,255.8 50 87,480 208,435.4 57,510 233,682.5 67,360 299,829.2 65,533 317,081.9 49,320 193,852.9 55 1,953 12,388.5 2,288 13,040.4 2,223 35,588.4 3,847 36,843.0 1,284 21,986.1 60 1,222 17,241.4 1,850 17,007.2 2,130 30,657.3 4,561 51,947.3 3,473 25,574.5 65 917 19,640.8 505 18,141.8 3,868 40,862.3 1,488 43,309.4 1,453 20,393.1 70 611 9,180.2 588 5,526.8 1,462 29,603.5 1,024 35,877.4 795 3,695.0 75 365 7,112.3 436 5,269.3 1,133 21,726.8 1,321 26,613.7 551 8,367.0 80 384 5,719.7 447 4,939.0 1,088 24,469.2 973 39,156.1 244 898.8 85 1,180 17,648.2 356 2,990.0 1,142 54,491.2 1,796 29,875.0 65 333.6 90 606 3,881.5 671 2,248.0 1,278 23,291.4 1,243 27,462.4 59 353.5 95 1,274 17,109.4 558 12,319.2 1,768 42,305.3 1,580 36,641.0 43 204.8 - - 196 14.4 6 0.8 48 202.8 161 4,149.3 3,327,343 5,965,939.0 3,555,512 6,306,461.6 3,298,472 7,122,815.6 3,545,237 7,718,871.6 3,239,393 7,816,364.2 33.33 99.99 TOTAL Source: Statistics & Data Warehouse Department, SBP 42
  18. 3 .13 Private Sector Business and Type of Financing-Overall (End of period : Million Rupees) PRIVATE SECTOR (BUSINESS) A. Agriculture, forestry and fishing Trade finance Working capital Fixed investment Other B. Mining and quarrying Trade finance Working capital Fixed investment Other C. Manufacturing Trade finance Working capital Fixed investment Other D. Electricity, gas, steam and air conditioning supply Trade finance Working capital Fixed investment Other E. Water supply; sewerage, waste management and Trade finance remediation activities Working capital Fixed investment Other F. Construction Trade finance Working capital Fixed investment Other G. Wholesale and retail trade; repair of motor vehicles Trade finance and motorcycles Working capital Fixed investment Other H. Transportation and storage Trade finance Working capital Fixed investment Other I. Accommodation and food service activities Trade finance Working capital Fixed investment Other J. Information and communication Trade finance Working capital Fixed investment Other K. Real estate activities Trade finance Working capital Fixed investment Other L. Professional, scientific and technical activities Trade finance Working capital Fixed investment Other M. Administrative and support service activities Trade finance Working capital Fixed investment Other N. Education Trade finance Working capital Fixed investment Other O. Human health and social work activities Trade finance Working capital Fixed investment Other P. Arts, entertainment and recreation Trade finance Working capital Fixed investment Other Q. Other service activities Trade finance Working capital Fixed investment Other Total Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 P 301,491 3,162 215,949 80,852 1,527 67,988 5,200 22,935 39,778 75 3,128,917 675,152 1,423,213 925,845 104,707 484,030 6,242 213,646 263,138 1,004 20,251 10,025 6,072 4,154 1 153,706 2,850 58,637 91,654 565 477,312 66,611 296,009 84,036 30,656 106,582 4,296 19,188 82,346 751 34,463 129 9,631 24,490 213 140,628 2,927 38,035 90,720 8,947 28,313 5,543 22,769 52,412 9,657 27,434 13,364 1,957 75,393 11,304 37,225 22,954 3,909 20,675 7,652 13,004 19 11,296 208 3,489 7,584 16 804 1 185 619 69,191 865 36,434 24,445 7,447 5,173,451 303,695 3,340 218,005 80,994 1,356 61,824 2,542 16,614 42,579 89 3,087,167 681,640 1,346,557 944,761 114,209 495,267 5,304 218,487 270,472 1,004 18,462 9,171 5,675 3,615 1 134,412 2,686 39,240 92,135 351 451,471 69,651 268,989 84,270 28,561 108,036 4,241 21,167 81,711 916 37,291 1,201 11,824 24,053 213 134,889 2,186 34,501 89,231 8,972 28,518 0 5,280 23,238 51,045 9,499 26,564 13,310 1,672 73,478 10,225 36,053 23,101 4,099 20,750 3 7,640 13,087 19 11,450 342 3,557 7,535 16 778 1 164 613 62,330 1,398 32,622 20,211 8,099 5,080,864 299,408 3,437 214,626 80,107 1,238 63,960 2,792 20,939 40,199 30 3,076,502 670,964 1,361,686 939,968 103,883 494,126 3,753 221,069 268,307 998 18,351 8,724 5,997 3,629 1 136,532 1,295 41,702 92,899 636 443,840 68,733 259,362 80,110 35,636 102,433 5,931 12,968 82,254 1,280 40,837 1,170 15,479 23,934 254 137,016 2,314 35,504 90,230 8,968 28,363 4,755 23,607 47,700 9,003 24,287 12,593 1,817 74,412 9,913 35,118 22,768 6,612 21,061 8,082 12,959 19 11,129 204 3,476 7,424 24 754 1 157 596 61,454 1,198 32,007 19,686 8,562 5,057,877 300,721 9,611 210,415 79,527 1,168 63,031 2,892 19,472 40,637 30 3,078,173 686,183 1,369,720 921,582 100,687 493,495 4,073 219,493 268,901 1,028 17,623 8,245 5,539 3,838 1 136,574 1,945 40,403 93,549 677 435,280 61,553 259,089 78,716 35,922 111,202 4,571 23,613 81,590 1,429 36,528 129 13,560 22,626 213 155,882 2,440 34,734 111,471 7,236 33,627 5,287 28,332 8 61,656 9,481 34,409 15,881 1,885 68,615 9,561 36,933 16,407 5,715 21,415 8,161 13,235 19 11,802 152 3,646 7,988 16 2,632 1 423 2,209 59,748 295 31,640 19,771 8,042 5,088,003 305,472 2,109 220,273 81,900 1,190 68,188 3,107 23,469 41,612 3,093,009 708,813 1,363,189 926,574 94,433 496,984 3,130 213,202 279,178 1,474 16,639 7,910 5,002 3,726 1 136,383 2,010 40,705 93,622 47 439,765 60,919 267,818 79,240 31,788 112,210 5,966 24,342 80,472 1,429 42,108 1,199 15,993 24,703 213 151,443 2,579 31,838 109,779 7,248 32,826 8 6,001 26,817 61,280 9,969 31,934 16,937 2,440 67,959 9,259 36,023 16,936 5,741 20,252 6,817 13,417 19 12,787 160 3,523 9,089 15 2,616 1 410 2,205 61,165 317 32,566 19,596 8,685 5,121,086 302,838 2,338 218,048 81,220 1,232 66,960 2,714 22,868 41,379 3,149,127 736,041 1,387,429 925,712 99,946 512,524 4,004 222,698 284,319 1,502 15,749 7,084 4,838 3,827 1 133,926 2,087 39,953 91,343 542 433,331 57,506 270,508 76,950 28,367 110,287 5,656 23,534 80,032 1,065 43,342 1,229 16,026 25,874 213 148,728 2,652 29,120 109,800 7,155 33,574 4 6,397 27,172 59,991 9,734 31,387 16,455 2,416 65,691 9,856 33,596 17,032 5,207 19,749 6,449 13,281 19 12,581 167 3,327 9,072 15 2,680 1 478 2,201 62,000 403 30,157 21,871 9,568 5,173,077 Notes: Source: Statistics & Data Warehouse 1. Classification of Private Sector - Business based on International Standard IndustrialSBP Classification (ISIC), Rev. 4 of United Nation adopted from June 2019. Department, 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. Details of the changes/revisions are available in "Revision note" on SBP web at www.sbp.org.pk/ecodata/Revision_Monetary_Stats.pdf 43
  19. 3 .14 Type of Financing to SMEs (End of period : Million Rupees) PRIVATE SECTOR (BUSINESS) A. Agriculture, forestry and fishing Trade finance Working capital Fixed investment Other B. Mining and quarrying Trade finance Working capital Fixed investment Other C. Manufacturing Trade finance Working capital Fixed investment Other D. Electricity, gas, steam and air conditioning supply Trade finance Working capital Fixed investment Other E. Water supply; sewerage, waste management and remediation activities Trade finance Working capital Fixed investment Other F. Construction Trade finance Working capital Fixed investment Other G. Wholesale and retail trade; repair of motor vehicles and motorcycles Trade finance Working capital Fixed investment Other H. Transportation and storage Trade finance Working capital Fixed investment Other I. Accommodation and food service activities Trade finance Working capital Fixed investment Other J. Information and communication Trade finance Working capital Fixed investment Other K. Real estate activities Trade finance Working capital Fixed investment Other L. Professional, scientific and technical activities Trade finance Working capital Fixed investment Other M. Administrative and support service activities Trade finance Working capital Fixed investment Other N. Education Trade finance Working capital Fixed investment Other O. Human health and social work activities Trade finance Working capital Fixed investment Other P. Arts, entertainment and recreation Trade finance Working capital Fixed investment Other Q. Other service activities Trade finance Working capital Fixed investment Other Total Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 P 2,340 1,617 722 2,214 238 1,017 959 207,579 27,947 153,093 23,823 2,716 1,520 83 638 794 5 251 114 136 1 10,480 186 7,480 2,802 13 154,225 8,437 128,623 14,914 2,252 43,773 107 3,151 40,451 63 3,155 25 1,559 1,567 3 3,188 234 1,903 932 119 2,417 1,372 1,045 11,958 343 10,071 1,515 30 16,265 2,523 10,627 3,027 88 2,583 1,198 1,379 6 2,377 100 1,585 689 2 211 1 185 25 24,337 131 11,888 11,856 462 488,871 1,346 987 359 2,276 286 1,013 963 14 191,754 27,566 138,110 23,606 2,472 1,422 83 582 752 5 244 119 125 1 9,824 177 6,995 2,639 13 142,976 7,581 119,220 14,079 2,096 43,196 138 2,943 40,063 52 3,902 107 2,208 1,584 3 3,041 117 1,853 952 119 2,447 0 1,278 1,169 10,945 1,053 8,415 1,447 30 14,964 2,284 9,639 2,897 145 2,484 3 1,232 1,242 6 2,371 108 1,536 724 3 191 1 164 26 23,915 339 11,481 11,571 523 457,298 1,664 1,284 380 2,171 253 1,003 915 190,170 27,718 136,546 23,728 2,177 1,170 95 549 523 3 683 549 133 1 9,585 151 6,834 2,582 18 137,553 7,904 113,950 14,049 1,650 36,172 128 2,771 33,231 42 3,782 98 2,110 1,571 3 3,068 120 1,873 947 128 2,791 1,286 1,505 10,777 932 7,586 2,225 34 14,505 2,401 8,950 3,031 123 2,585 1,320 1,259 6 2,310 152 1,469 687 3 182 1 157 24 22,306 214 11,740 9,891 461 441,474 1,639 968 671 2,254 325 1,019 910 191,687 32,424 132,714 23,796 2,753 1,208 90 431 684 3 302 33 268 1 9,235 53 6,917 2,251 13 142,205 7,773 116,780 15,074 2,578 39,458 94 3,003 36,320 41 2,571 25 1,215 1,327 3 2,974 252 1,749 946 28 2,200 1,017 1,183 15,142 1,031 11,431 2,544 135 17,510 3,990 10,207 3,006 307 2,247 1,082 1,159 6 2,326 152 1,361 810 2 249 1 210 38 23,203 155 11,986 10,616 447 456,410 2,018 1,404 614 2,192 293 1,010 889 194,706 27,547 140,719 24,159 2,281 1,220 80 448 689 3 302 32 269 1 9,977 59 7,512 2,394 13 143,106 7,315 118,827 14,700 2,264 38,198 40 2,747 35,370 41 3,376 97 1,965 1,311 3 2,864 193 1,694 948 29 2,468 914 1,553 14,684 296 11,549 2,738 101 13,884 1,452 9,011 3,340 81 2,305 879 1,420 6 2,355 159 1,271 922 3 230 1 191 37 23,804 197 12,194 10,975 437 457,690 3,515 2,866 648 2,116 312 947 856 204,071 25,287 152,581 24,352 1,851 1,116 76 452 586 2 304 8 29 266 1 10,173 98 7,483 2,575 17 145,581 7,346 121,990 14,110 2,135 37,064 2,521 34,501 42 3,427 96 2,302 1,026 3 2,837 182 1,717 911 27 2,466 922 1,544 14,831 257 12,647 1,884 43 13,718 1,412 8,727 3,457 122 2,338 798 1,534 6 2,323 166 1,295 859 3 222 1 184 37 23,731 272 12,117 10,856 487 469,833 Notes: Source: Statistics & Data Warehouse Department, SBP 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. Details of the changes/revisions are available in "Revision note" on SBP web at www.sbp.org.pk/ecodata/Revision_Monetary_Stats.pdf 44
  20. 3 .15 Province/Region and Disbursement & Utilization of Advances (Billion Rupees) Utilization in same Region Province/ Region Jan-Jun 2018 Period Jul-Dec 2018 Amount % of Regional Disbursement Amount Total Utilization Disbursed from other but % of Utilized in Regional Given Region Disbursement Amount Utilization as % of Disbursement (%) Punjab 4,784.49 4,673.95 97.69 110.54 2.31 262.14 4,936.08 43.98 103.17 Sindh 5,524.60 5,172.42 93.63 352.18 6.37 78.53 5,250.95 46.78 95.05 KPK 86.31 86.06 99.72 0.24 0.28 25.25 111.31 0.99 128.97 Balochistan 28.20 28.18 99.94 0.02 0.06 81.08 109.26 0.97 387.47 782.95 735.65 93.96 47.29 6.04 62.52 798.18 7.11 101.95 FATA 0.10 0.10 100.00 - - 0.01 0.11 .. 107.42 Gilgit Baltistan 3.46 3.45 99.95 .. 0.05 0.09 3.54 0.03 102.44 14.53 14.35 98.78 0.18 1.22 0.84 15.19 0.14 104.56 Total 11,224.63 10,714.18 95.45 510.46 4.55 510.46 11,224.63 100.00 Punjab 5,070.90 4,887.22 96.38 183.68 3.62 274.68 5,161.90 37.17 101.79 Sindh 7,991.89 7,568.76 94.71 423.13 5.29 132.92 7,701.68 55.47 96.37 KPK 64.29 63.04 98.04 1.26 1.96 45.48 108.51 0.78 168.78 Balochistan 11.60 11.52 99.38 0.07 0.62 91.97 103.49 0.75 892.51 726.65 675.38 92.94 51.27 7.06 100.23 775.61 5.59 106.73 FATA 0.21 0.21 100.00 - - 0.01 0.22 .. 103.82 Gilgit Baltistan 3.69 3.69 99.93 .. 0.07 0.03 3.72 0.03 100.83 16.23 16.07 98.96 0.17 1.04 14.25 30.32 0.22 186.74 Total 13,885.46 13,225.89 95.25 659.57 4.75 659.57 13,885.46 100.00 Punjab 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 14,023.08 12,515.30 89.25 1,507.78 10.75 1,507.78 14,023.08 100.00 Islamabad AJK Islamabad AJK KPK Jan-Jun 2019 Disbursements Utilized in other Regions Balochistan Islamabad AJK Total Source: Statistics & Data Warehouse Department, SBP Numbers are rounded to the Nearest Billion, Totals may differ due to rounding off “Gross disbursements mean the amounts disbursed by banks during the period 1st Jan - 30th Jun & 1st Jul - 31st Dec either in Pak Rupee or in foreign currency against loans. It also includes loans repriced, renewed or rolled over during the period. In case of running finance, the disbursed amount means total amount availed by the borrower during the period.” “Place of Disbursements” refers to the place from where the funds are being issued by scheduled banks to the borrowers. “Place of Utilization” refers to the place where the funds are being utilized by borrower. 45
  21. 3 .16 Province/Region and place of Disbursement & Utilization Place of disbursement Punjab 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, ( Billion Rupees) Jan-Jun 2019 Amount (%) Jan-Jun 2018 Amount (%) Jul-Dec 2018 Amount 4,673.95 78.06 4.39 0.02 27.20 .. 0.08 0.79 4,784.49 222.55 5,172.42 13.42 81.03 35.14 .. .. 0.03 5,524.60 0.06 .. 86.06 .. 0.18 .. .. .. 86.31 0.01 .. .. 28.18 .. .. 28.20 39.41 0.46 7.37 0.03 735.65 .. .. 0.02 782.95 0.10 .. .. 3.45 3.46 0.11 .. 0.07 .. 14.35 14.53 11,224.63 4,887.22 96.38 5,156.52 93.03 129.79 2.56 242.08 4.37 15.92 0.31 29.29 0.53 0.69 0.01 0.45 0.01 34.62 0.68 105.90 1.91 .. .. .. .. 0.03 .. 0.05 .. 2.63 0.05 8.48 0.15 5,070.90 100.00 5,542.77 100.00 234.72 2.94 657.07 8.69 7,568.76 94.71 6,727.07 88.92 20.58 0.26 44.22 0.58 91.09 1.14 91.69 1.21 65.14 0.82 40.69 0.54 .. .. .. .. .. .. 0.16 .. 11.60 0.15 4.05 0.05 7,991.89 100.00 7,564.96 100.00 0.73 1.13 5.19 4.13 0.06 0.09 62.54 49.78 63.04 98.04 57.60 45.85 0.01 0.01 .. .. 0.46 0.72 0.12 0.09 .. .. 0.02 0.02 .. .. .. .. 0.01 0.01 0.16 0.13 64.29 100.00 125.64 100.00 0.02 0.13 0.04 0.26 0.05 0.43 0.19 1.39 .. 0.03 .. 0.02 11.52 99.38 13.77 98.22 .. 0.03 0.02 0.12 11.60 100.00 14.02 100.00 39.11 5.38 87.16 11.50 3.02 0.42 117.84 15.55 8.93 1.23 8.96 1.18 0.19 0.03 0.43 0.06 675.38 92.94 543.15 71.69 .. .. .. .. .. .. .. .. 0.02 .. 0.14 0.02 726.65 100.00 757.68 100.00 0.21 100.00 0.11 100.00 .. 0.05 0.01 0.41 .. 0.01 .. 0.02 0.01 0.59 0.05 1.91 3.69 99.93 2.40 97.08 .. 0.01 3.69 100.00 2.47 100.00 0.11 0.71 0.67 4.35 .. 0.01 0.01 0.08 0.04 0.28 0.05 0.35 .. .. 0.01 0.03 0.01 0.07 0.01 .. .. 16.07 98.96 14.69 95.15 16.23 100.00 15.44 100.00 13,885.46 14,023.08 Source: Statistics & Data Warehouse Department, SBP 97.69 1.63 0.09 .. 0.57 .. .. 0.02 100.00 4.03 93.63 0.24 1.47 0.64 .. .. .. 100.00 0.07 .. 99.72 .. 0.21 .. .. .. 100.00 0.03 0.02 0.01 99.94 .. .. 100.00 5.03 0.06 0.94 .. 93.96 .. .. .. 100.00 100.00 0.02 0.01 99.95 100.00 0.74 0.01 0.45 0.01 98.78 100.00 Totals may differ due to rounding off 46 (%)
  22. 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 2018 Jul-Dec 2018 Amount 4,673.95 222.55 0.06 0.01 39.41 .. 0.11 4,936.08 78.06 5,172.42 .. .. 0.46 .. 5,250.95 4.39 13.42 86.06 .. 7.37 .. 0.07 111.31 0.02 81.03 .. 28.18 0.03 109.26 27.20 35.14 0.18 .. 735.65 .. 798.18 .. .. .. 0.10 .. 0.11 0.08 .. .. .. 3.45 (%) 94.69 4.51 .. .. 0.80 .. .. 100.00 1.49 98.50 .. .. 0.01 .. 100.00 3.94 12.06 77.32 .. 6.62 .. 0.06 100.00 0.02 74.16 .. 25.79 0.03 100.00 3.41 4.40 0.02 .. 92.17 .. 100.00 3.03 0.45 2.21 93.09 0.27 100.00 2.14 0.10 0.03 0.10 97.57 3.54 0.79 0.03 .. .. 0.02 14.35 15.19 11,224.63 100.00 5.22 0.18 0.01 0.01 0.12 94.47 100.00 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 47 Jan-Jun 2019 Amount (%) Amount (%) 4,887.22 97.54 5,156.52 87.30 234.72 1.63 657.07 11.12 0.73 0.09 5.19 0.09 0.02 .. 0.04 .. 39.11 0.72 87.16 1.48 .. .. .. 0.01 .. 0.11 0.02 0.67 0.01 5,161.90 100.00 5,906.65 100.00 129.79 4.03 242.08 3.39 7,568.76 93.62 6,727.07 94.09 0.06 0.24 62.54 0.87 0.05 1.47 0.19 .. 3.02 0.64 117.84 1.65 .. .. .. .. .. 0.01 .. 7,701.68 100.00 7,149.73 100.00 15.92 0.07 29.29 20.90 20.58 .. 44.22 31.55 63.04 99.72 57.60 41.10 .. .. .. .. 8.93 0.21 8.96 6.40 .. 0.01 0.01 .. .. 0.01 0.01 0.04 .. 0.05 0.04 108.51 100.00 140.16 100.00 0.69 0.03 0.45 0.43 91.09 0.02 91.69 86.22 0.01 .. .. 11.52 99.94 13.77 12.95 0.19 .. 0.43 0.40 .. 103.49 100.00 106.34 100.00 34.62 5.03 105.90 15.35 65.14 0.06 40.69 5.90 0.46 0.94 0.12 0.02 .. .. 0.02 .. 675.38 93.96 543.15 78.72 .. .. 0.05 0.01 0.01 .. 0.01 .. 775.61 100.00 689.94 100.00 .. .. 0.50 .. .. 0.42 .. 0.02 17.07 .. .. 1.61 0.21 0.10 80.41 100.00 0.22 100.00 0.12 100.00 0.03 0.67 0.05 1.88 .. 0.03 0.16 6.07 .. 0.03 .. 0.03 .. 0.10 .. 0.01 3.69 99.11 2.40 92.00 .. 0.06 .. 0.01 3.72 100.00 2.61 100.00 2.63 8.68 8.48 30.80 11.60 38.26 4.05 14.73 0.01 0.02 0.16 0.59 0.02 0.05 0.14 0.51 .. .. 16.07 52.99 14.69 53.38 30.32 100.00 27.52 100.00 13,885.46 14,023.08 Source: Statistics & Data Warehouse Department, SBP
  23. 3 .18 Province/Region and Categories of Advances by Borrowers* (Outstanding Position) Provinces/Regions Borrower Jun-2018 Rural Urban Total Rural Dec-2018 Urban Total Rural (Billion Rupees) Jun-2019 Urban Total Overall Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.28 0.65 197.90 0.02 49.91 0.12 248.89 0.08 833.70 1,046.49 80.07 4,334.07 19.28 556.32 3.91 6,873.93 0.08 833.70 1,046.78 80.72 4,531.97 19.30 606.24 4.03 7,122.82 10.00 38.50 0.50 220.21 0.82 49.02 0.15 319.19 0.48 763.14 1,181.05 107.46 4,734.08 19.32 590.94 3.20 7,399.68 0.48 773.14 1,219.56 107.95 4,954.29 20.15 639.95 3.35 7,718.87 0.08 0.28 1.01 224.14 0.03 48.15 0.05 273.75 0.44 808.13 1,182.98 101.78 4,795.99 18.35 632.16 2.78 7,542.62 0.44 808.21 1,183.26 102.79 5,020.13 18.38 680.31 2.84 7,816.36 Punjab Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.28 0.14 150.05 11.43 0.01 161.92 538.22 189.42 13.95 2,133.37 4.35 176.37 1.57 3,057.25 538.22 189.71 14.10 2,283.42 4.35 187.79 1.59 3,219.17 10.00 38.50 0.50 163.51 12.14 0.04 224.69 495.42 231.68 11.18 2,300.73 3.67 188.36 0.81 3,231.86 505.42 270.19 11.68 2,464.24 3.67 200.51 0.85 3,456.56 0.03 0.28 153.56 .. 11.61 0.02 165.51 525.01 237.51 13.18 2,283.48 2.96 200.81 1.36 3,264.30 525.04 237.79 13.18 2,437.04 2.97 212.42 1.38 3,429.82 Sindh Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 40.46 0.02 31.36 .. 71.84 246.84 587.29 60.83 1,806.31 6.32 322.20 1.06 3,030.85 246.84 587.29 60.83 1,846.77 6.34 353.56 1.07 3,102.69 46.88 0.82 28.52 0.01 76.22 0.40 240.46 663.59 89.25 2,060.43 4.46 337.83 1.57 3,398.00 0.40 240.46 663.59 89.25 2,107.31 5.29 366.34 1.58 3,474.22 0.05 60.64 0.02 27.44 0.01 88.16 0.36 233.61 661.19 71.84 2,165.82 4.77 368.43 1.12 3,507.14 0.36 233.65 661.19 71.84 2,226.46 4.80 395.87 1.13 3,595.29 Khyber Pakhtunkhwa Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.50 4.48 1.94 0.04 6.96 0.68 1.88 45.02 0.05 16.58 0.45 64.66 0.68 2.38 49.50 0.05 18.52 0.49 71.62 5.52 2.02 0.04 7.58 19.76 0.46 44.16 0.10 19.59 0.35 84.43 19.76 0.46 49.68 0.10 21.61 0.39 92.00 1.01 5.32 1.94 .. 8.27 .. 19.44 4.12 43.98 0.03 16.66 0.14 84.37 .. 19.44 5.13 49.30 0.03 18.60 0.15 92.64 Balochistan Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.86 2.83 3.69 5.60 4.44 2.40 .. 12.44 5.60 5.30 5.23 .. 16.13 1.89 3.91 5.80 4.44 4.19 3.43 .. 12.06 4.44 6.08 7.34 .. 17.86 2.17 4.70 6.86 4.04 5.83 3.13 .. 13.01 4.04 8.00 7.83 .. 19.87 Islamabad Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.55 0.54 0.04 1.13 0.08 42.95 268.86 3.23 337.85 8.57 32.42 0.81 694.76 0.08 42.95 268.86 3.23 338.40 8.57 32.96 0.85 695.89 0.62 .. 0.40 0.04 1.06 0.08 22.71 265.78 6.56 317.81 11.08 35.44 0.45 659.92 0.08 22.71 265.78 6.56 318.44 11.08 35.84 0.49 660.98 0.91 .. 0.39 1.30 0.08 45.37 264.60 12.14 289.40 10.59 34.84 0.15 657.18 0.08 45.37 264.60 12.14 290.31 10.59 35.23 0.15 658.48 FATA Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.01 0.29 0.06 0.35 0.16 0.14 0.02 0.32 0.17 0.42 0.07 0.67 0.32 0.06 0.38 0.13 0.02 0.15 0.45 0.08 0.53 0.27 0.08 0.35 0.51 0.15 0.01 0.67 0.51 0.42 0.09 1.02 * End Position. 48
  24. 3 .18 Province/Region and Categories of Advances by Borrowers* (Outstanding Position) Provinces/Regions Borrower Jun-2018 Rural Urban Total Rural Dec-2018 Urban Total Rural (Billion Rupees) Jun-2019 Urban Total Gilgit-Baltistan Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.63 0.60 1.23 0.25 1.72 1.86 3.82 0.25 2.35 2.45 5.05 0.79 0.64 1.43 0.25 1.70 1.90 3.85 0.25 2.49 2.54 5.28 0.75 0.77 1.52 0.25 2.56 2.96 .. 5.76 0.25 3.30 3.73 .. 7.29 AJK Foreign Govt. NFPSEs NBFCs & Fin Aux. Private Sector Trust Fund Personal Others Total 0.58 0.09 5.23 .. 4.48 0.01 9.82 0.09 5.82 .. 5.65 0.04 11.60 0.67 1.32 0.03 2.02 0.09 4.94 .. 4.37 0.01 9.41 0.09 5.61 .. 5.69 0.04 11.43 0.53 1.22 0.01 1.77 0.09 4.76 .. 5.31 0.01 10.18 0.09 5.29 .. 6.54 0.03 11.95 1.17 0.03 1.78 Source: Statistics & Data Warehouse Department, SBP * End Position. "Urban area” means an area which falls within jurisdiction of Municipal Corporation, or Metropolitan Corporation, or Municipal Committee, or Town Committee, or Cantonment Board, or any other area which has developed urban characteristics, and is declared as urban area by the government under Local Government Act 1975. While the areas other than urban areas are classified as rural areas. Data on “Outstanding Advances” is based on disbursements by the bank branches located in the respective regions and place of actual utilization for these advances may be different from the place of disbursements. The regional position may not reflect the true picture since offices of large companies operating in different regions might have used banking facilities located in different regions. Data relating to actual utilization is under process and will be disseminated as and when collected from banks and compiled by SBP. "Outstanding Advances" mean the advances/loans recoverable at the end of the period (30th June or 31st December). Advances includes all type of advances except interbank placements and is the amount of money borrowed from banks for a period of time at a rate of interest and at terms of repayments as agreed between the borrower and the banks backed by a collateral. Foreign Constituents: This covers the transactions with the non residents working in our economy. This includes Officials (Embassies consulates, foreign missions), Business (Corporations working in Pakistan for short periods as construction companies) and Personals (Students, travelers). Government: This includes Federal Government, Provincial & Local Governments deposits and advances. Further, disbursements to Government (Federal, Provincial & Local) are made by bank branches located in various regions/Provinces, while in case of deposits, the bank branches located in the various regions/Provinces have mobilized the deposits from the Government (Federal, Provincial & Local). Similarly, disbursements to eight main borrowers (Foreign, Govt., NFPSEs, NBFCs, Private Sector, Trust Fund, Personal and Others) are made by bank branches located in various regions/Provinces, while in case of deposits, the bank branches located in the various regions/Provinces have mobilized the deposits from these eight categories. NFPSEs (Non-financial Public Sector Enterprises): These are the non-financial resident corporations which are controlled by government, which may be exercised through ownership of more than half the voting shares, legislation, decree, or regulations that establish specific corporate policy or allow the government to appoint the directors. NBFCs & Fin Aux.: NBFCs (Nonbank Financial Companies) & Fin Aux.(Financial Auxiliaries) are categorized into groups of development finance institutions, leasing companies, investment banks, modarba companies, housing finance companies, mutual funds, venture capital companies , discount houses, stock exchanges , exchange companies and insurance companies etc. Private Sector: This is that part of the economy which is run for private business profit and is not controlled by the state. This includes the majors sectors like Agriculture, Manufacturing etc. Trust Fund: This includes the Private Trusts and Non-profit Institution, Non-government Organization (NGOs)/ Community Based and Organizations (CBOs). Personal: This includes Bank Employees and Consumer Financing which are classified under advances, while in case of deposits, Salaried Persons, Self employed and Other Persons (House-wives, students etc) are included. Others: This includes all those which are not classified elsewhere. 49
  25. 3 .19 Province/Region and Categories of Loans for Agriculture (Disbursements and Outstanding) (Amount in Million Rupees) Farm Sector Period/Provinces Subsistence Holding Economic Holding Above Economic Holding No. of Borrowers Disbursed Outstanding No. of Borrowers Disbursed Outstanding No. of Borrowers Disbursed Outstanding Punjab 228,397 23,950 148,630 18,961 10,651 42,194 4,481 40,551 35,823 Sindh 31,997 3,559 20,507 3,775 2,188 10,572 899 5,744 3,588 5,444 805 4,532 1,176 452 1,741 153 116 580 Balochistan 400 73 585 29 20 135 25 25 166 Azad Jammu Kashmir 236 32 152 - - .. 12 217 61 91 27 161 18 8 16 1 1 41 266,565 28,447 174,567 23,959 13,318 54,657 5,571 46,653 40,259 Punjab 723,117 72,212 150,346 39,359 24,809 42,151 8,763 109,895 41,740 Sindh 93,139 9,075 21,856 7,819 6,501 10,746 1,680 21,053 4,312 Khyber Pakhtunkhwa 12,811 2,245 4,646 2,315 871 1,849 309 762 599 1,103 229 618 77 78 180 47 47 178 Azad Jammu Kashmir 514 75 163 - - .. 24 595 52 Gilgit Baltistan 156 51 141 24 10 14 3 1 41 830,840 83,888 177,770 49,594 32,268 54,941 10,826 132,352 46,922 Punjab 997,866 108,827 147,159 59,101 38,849 40,834 12,258 178,187 38,758 Sindh 154,126 15,378 22,631 12,602 12,066 10,765 2,380 30,970 5,907 19,881 3,315 4,267 3,805 1,511 1,839 439 1,259 934 FY19 Jul-Sep Khyber Pakhtunkhwa Gilgit Baltistan All Pakistan Jul-Dec Balochistan All Pakistan Jul-Mar Khyber Pakhtunkhwa Balochistan 1,913 376 656 106 112 184 57 69 171 Azad Jammu Kashmir 730 109 160 - - .. 36 924 78 Gilgit Baltistan 445 77 153 25 10 14 4 18 38 1,174,961 128,082 175,026 75,639 52,548 53,636 15,174 211,427 45,885 1,410,870 160,823 150,112 85,571 59,503 42,494 16,485 274,713 45,704 212,121 24,239 25,267 16,942 17,638 11,452 3,235 45,162 11,532 25,879 4,298 4,258 5,453 2,223 1,883 596 1,718 529 All Pakistan Jul-Jun Punjab Sindh Khyber Pakhtunkhwa Balochistan 3,164 594 737 150 172 192 75 90 163 Azad Jammu Kashmir 977 145 168 - - .. 48 1,241 11 Gilgit Baltistan 702 116 168 47 17 15 6 40 50 1,653,713 190,215 180,709 108,163 79,554 56,036 20,445 322,965 57,989 Punjab 198,112 28,504 149,770 20,882 12,197 43,883 5,211 46,195 49,178 Sindh 28,246 4,226 25,120 4,206 3,334 11,195 959 16,650 13,891 All Pakistan FY20 Jul-Sep Khyber Pakhtunkhwa 3,876 715 4,033 1,269 503 1,941 175 163 560 Balochistan 635 146 805 58 41 204 29 50 192 Azad Jammu Kashmir 292 49 178 - - .. 12 340 59 43 20 164 7 3 14 6 8 57 231,204 33,660 180,071 26,422 16,077 57,237 6,392 63,405 63,938 Gilgit Baltistan All Pakistan Source: Agricultural Credit & Microfinance Department 50
  26. 3 .19 Province/Region and Categories of Loans for Agriculture (Disbursements and Outstanding) (Amount in Million Rupees) Over all Non Farm Sector Small Farm Period/Provinces Large Farm Farm & Nom Farm No. of Borrowers Disbursed Outstanding No. of Borrowers Disbursed Outstanding No. of Borrowers Punjab 360,943 28,107 112,880 15,518 76,316 73,890 628,300 179,575 413,418 Sindh 67,682 4,048 17,459 650 13,170 6,715 105,003 28,709 58,840 8,863 887 3,328 375 568 760 16,011 2,827 10,941 66 3 75 5 10 16 525 133 977 7,703 451 1,202 339 59 232 8,290 759 1,647 Disbursed Outstanding FY 19 Jul-Sep Khyber Pakhtunkhwa Balochistan Azad Jammu Kashmir Gilgit Baltistan 513 84 487 109 25 413 732 144 1,118 445,770 33,581 135,432 16,996 90,148 82,025 758,861 212,147 486,940 Punjab 890,144 66,510 124,390 31,139 171,070 83,150 1,692,522 444,496 441,778 Sindh 170,744 9,569 19,811 1,362 26,019 7,390 274,744 72,217 64,115 19,276 2,058 3,784 926 2,127 1,039 35,637 8,063 11,918 228 16 74 11 46 17 1,466 415 1,067 15,474 938 1,268 873 124 284 16,885 1,732 1,766 1,296 212 530 329 81 418 1,808 356 1,144 1,097,162 79,304 149,857 34,640 199,467 92,299 2,023,062 527,280 521,788 1,245,251 99,092 130,413 45,397 253,369 88,055 2,359,873 678,324 445,220 266,320 14,740 20,980 2,276 37,539 8,323 437,704 110,692 68,606 28,178 3,262 4,039 1,425 2,762 886 53,728 12,109 11,966 398 27 77 13 71 15 2,487 656 1,102 22,831 1,416 1,330 1,351 199 292 24,948 2,648 1,860 1,764 280 538 418 110 419 2,656 495 1,161 1,564,742 118,817 157,377 50,880 294,050 97,990 2,881,396 804,924 529,915 1,624,560 136,320 133,942 70,691 366,002 93,730 3,208,177 997,361 465,983 338,959 18,948 21,993 3,207 49,197 9,887 574,464 155,184 80,131 35,973 4,346 4,385 2,056 3,520 901 69,957 16,106 11,956 All Pakistan 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 539 39 84 20 85 18 3,948 981 1,194 30,423 1,946 1,391 2,242 309 275 33,690 3,641 1,844 2,518 392 587 566 151 422 3,839 716 1,242 2,032,972 161,991 162,383 78,782 419,265 105,233 3,894,075 1,173,990 562,350 Punjab 361,692 33,765 129,945 18,339 100,679 94,516 604,236 221,339 467,292 Sindh 60,212 3,779 21,383 1,011 9,224 6,110 94,634 37,213 77,699 Khyber Pakhtunkhwa 10,023 1,450 4,705 476 479 1,009 15,819 3,310 12,248 Azad Jammu Kashmir Gilgit Baltistan All Pakistan FY 20 Jul-Sep Balochistan Azad Jammu Kashmir Gilgit Baltistan All Pakistan 191 11 88 10 1 9 923 249 1,298 6,225 552 1,446 328 32 282 6,857 973 1,965 957 132 649 166 52 437 1,179 215 1,320 439,300 39,689 158,216 20,330 110,467 102,362 723,648 263,298 561,823 51
  27. 3 .20 Classification of Scheduled Banks' Bills Purchased and Discounted All Banks 2017 ECONOMIC GROUPS Dec No. of Bills A. Foreign Constituents: (End of Period: Million Rupees) 2019 2018 Jun Amount No. of Bills Dec Jun Amount No. of Bills Amount No. of Bills Amount - - 82 5.8 - - - - (a) Business - - 82 5.8 - - - - (b) Other Foreign Constituents - - - - - - - - 21,122 225,650.5 20,222 241,347.8 18,806 258,592.3 16,721 271,665.3 B. Domestic Constituents: I. Government: 39 729.9 46 2,933.8 9 1,507.6 6 197.7 II. Public Sector Enterprises: 37 2,301.4 61 6,416.2 627 3,801.2 546 12,032.6 (a) Agriculture, Forestry, Hunting & Fishing - - - - 609 2,461.9 9 2,450.5 (b) Mining and Quarrying - - - - - - - - (c) Manufacturing - - - - - - - - (d) Construction - - - - - - - - (e) Electricity Gas, Water & Sanitary Services - - 3 961.7 8 1,043.0 13 4,998.0 (f) Commerce: 36 2,284.4 25 5,453.9 10 296.3 66 1,078.9 1. Export Bills : 10 2,254.1 15 3,723.4 1 216.3 57 1,078.8 i. Cotton Raw - - - - - - - - ii. Rice 6 2,047.5 1 .. - - - - iii. Cotton Textiles (Local) 1 32.3 - - - - 51 65.6 iv. Cement & Cement products - - - - - - - - v. Petroleum & Petroleum products - - 13 2,593.1 - - 5 996.9 vi. Machinery & Transport Equipments - - - - - - - - vii. Other Export Bills 3 174.3 1 1,130.3 1 216.3 1 16.3 17 30.2 - - - - - - 3. Inland Bills (to include Local Bills) 9 0.1 10 1,730.5 9 80.0 9 0.1 4. Non-Bank Financial Companies - - - - - - - - (g) Transport, Storage & Communication - - - - - - - - (h) Services - - - - - - - - (i) Other Public Sector Enterprises 1 17.0 33 0.5 - - 458 3,505.2 2. Imports Bills Payable in Pakistan III. Private Sector (Business): 21,046 222,619.2 20,094 231,010.3 18,170 253,283.4 15,389 259,336.1 1. Agriculture, Forestry ,Hunting & Fishing 306 8,749.8 33 7,928.1 11 111.7 155 4,802.8 (a) . Primary Products : 304 8,748.0 30 7,917.1 11 111.7 152 4,768.6 263 8,439.5 29 7,743.2 - - 3 15.4 16 253.9 1 173.9 6 50.0 5 1,130.3 iii. Sugarcane - - - - - - - - iv. Tobacco - - - - - - - - 25 54.5 - - 5 61.7 144 3,623.0 2 1.8 3 11.0 - - 3 34.2 i. Cotton ii. Rice v. Other Primary Products (b). Other Agriculture, Forestry, Hunting and Fishing 52
  28. 3 .20 Classification of Scheduled Banks' Bills Purchased and Discounted All Banks (End of Period: Million Rupees) 2017 ECONOMIC GROUPS 2018 Dec Jun 2019 Dec Jun No. of Bills Amount No. of Bills Amount No. of Bills Amount No. of Bills Amount 7 601.0 24 392.2 30 332.3 36 194.7 16,252 141,338.4 14,669 139,160.4 14,497 189,484.8 12,606 176,600.2 593 2,346.4 13 347.9 15 439.5 24 564.8 8 4,279.6 4 49.9 6 1,976.8 5 1,003.7 3,072 44,257.9 3,890 56,073.8 2,939 39,185.3 1,997 48,531.2 - - 900 10,675.7 489 5,162.7 190 4,461.1 i. Wool & Goat Hair - - - - - - - - ii. Hides & Skins - - - - - - - - iii. Cotton Textiles (Local) 717 11,593.0 654 6,820.3 316 3,088.2 141 2,546.7 iv. Cotton Yarn (Local) 158 2,138.3 246 3,855.4 171 2,067.5 46 1,867.8 v. Sports Goods 7 23.9 - - 1 4.4 2 44.6 vi. Surgical Instruments 2 5.4 - - 1 2.6 1 2.1 771 12,421.1 1,075 19,959.2 729 11,003.3 130 2,954.5 i. Brassware & Handicrafts - - - - - - - - ii. Carpets & Rugs - - - - - - - - 107 990.7 437 2,798.7 472 5,892.6 24 412.4 84 503.3 282 4,009.9 84 792.8 - - 248 1,755.8 211 3,088.7 129 3,738.7 5 47.5 9 37.5 5 51.6 - - - - 323 9,133.9 140 10,010.4 44 579.2 101 2,494.7 962 7,931.7 1,185 11,066.1 1,166 13,111.9 649 16,656.0 449 9,697.0 727 14,361.5 531 9,738.1 984 24,145.5 - - - - - - - - 6 447.5 3 11.4 24 169.2 44 314.1 75 8,980.6 400 9,523.5 230 10,821.7 78 9,449.9 8. Services 323 5,846.7 567 6,379.0 338 5,903.1 363 10,373.7 9. Other Private (Business) 2. Mining and Quarrying 3. Manufacturing 4. Construction 5. Electricity, Gas, Water & Sanitary Services 6. Commerce: (a). Export Bills-Traditional Export (b). Export Bills-Non-Traditional Exports iii. Footwear & Leather goods iv. Handloom products, Towels & Hosiery v. Readymade Garments vi. Electrical goods (Cable & Wire RA) vii. Other Export Bills (c). Import Bills Payable in Pakistan (d). Inland Bills (to include Local Bills) (e). Non-Bank Financial Companies (f). Other Foreign Bills (clean outward) 7. Transport, Storage & Communication 410 6,218.7 494 11,155.4 104 5,028.2 125 7,815.0 IV. Trust Funds and Non-Profit Institutions - - - - - - - - V. - - 21 987.6 - - 780 98.9 21,122 225,650.5 20,304 241,353.6 18,806 258,592.3 16,721 271,665.3 Others TOTAL Source: Statistics & Data Warehouse Department, SBP 53
  29. 3 .21 Classification of Scheduled Banks' Investments in Securities and Shares (End of Period: Million Rupees) 2017 SECURITIES / SHARES 2018 2019 Jun Dec Jun Book Value Book Value Book Value Book Value Book Value Face Value Market Value - - - - - - - 3,374,796.2 2,965,941.9 2,454,521.7 2,034,409.0 2,286,024.4 2,305,243.8 2,228,278.7 (i) Prize Bonds - - - - - - - (ii) National Savings Schemes - - - - - - - (ii) Compensation Bonds - - - - - - - (vi) Federal Investment Bonds - - - - - - - (v) Pakistan Investment Bonds 3,374,796.2 2,965,941.9 2,454,521.7 2,034,409.0 2,286,024.4 2,305,243.8 2,228,278.7 - - - - - - - 3,783,600.4 4,588,491.9 4,773,462.6 4,724,513.8 4,413,712.7 4,450,508.4 4,415,653.4 A. FEDERAL GOVERNMENT SECURITIES B. FEDERAL GOVERNMENT BONDS (vii) Un-classified Dec Jun C. TREASURY BILLS D. FOREIGN SECURITIES AND SHARES 236,707.6 257,402.4 161,122.5 149,844.8 137,470.1 136,302.1 137,845.0 E. OTHERS: 832,668.8 793,203.5 931,792.4 922,164.3 1,051,886.7 961,696.2 1,064,506.2 316,538.2 323,394.2 326,362.8 332,412.0 354,605.4 273,771.2 346,229.6 19,365.3 17,504.8 20,272.3 22,150.7 22,970.9 18,492.3 22,047.1 1. Shares : (i) Financial Institutions (ii) Public Sector Enterprises 13,668.3 19,317.7 19,905.8 70,231.1 118,279.9 108,596.1 116,366.8 283,504.6 286,571.7 286,184.7 240,030.2 213,354.6 146,682.8 207,815.7 789.8 368.0 268.4 36.9 36.9 36.9 36.9 0.8 0.8 0.8 - - - - (ii) Public Sector Enterprises 163.7 294.4 261.9 31.2 31.2 31.2 31.2 (iii) Private Sector 625.3 72.8 5.7 5.7 5.7 5.7 5.7 2,819.7 2,732.4 2,775.7 2,645.0 2,771.6 1,940.4 2,454.8 288.9 2,140.1 80.4 18,802.5 4,552.8 5,441.9 4,536.8 (iii) Private Sector 2. Debentures : (i) Financial Institutions 3. National Investment Trust (Unit) 4. Participation Term Certificates 5. Term Finance Certificate (TFC's) 101,854.7 75,241.8 83,257.5 89,359.5 77,648.4 76,680.5 77,275.6 6. Sukuk 349,520.4 360,968.4 484,577.1 416,203.5 542,970.9 538,790.8 544,134.7 3,838.1 3,520.0 7,202.2 5,820.8 820.8 820.8 445.0 106.0 1.0 - - - - - 17,575.8 11,378.0 6,295.9 5,983.5 5,456.9 5,347.8 6,971.1 39,337.2 13,459.6 20,972.4 50,900.7 63,023.0 58,865.9 82,421.7 8,227,773.0 8,605,039.7 8,320,899.2 7,830,932.0 7,889,093.9 7,853,750.5 7,846,283.2 7. Certificate of Investment (COI's) 8. Modaraba Certificate 9. Mutual Funds 10. Others TOTAL Source: Statistics & Data Warehouse Department, SBP * Note:-As per BPRD circular letter No. 5 of 2016, Federal Government Securities include the amount of Bai Muajjal of Government of Pakistan Ijara Sukuk. Totals may differ due to rounding off. 54
  30. 3 .22 Scheduled Banks' Deposits by Rates of Interest (Million Rupees) RATE OF RETURN 2016 2017 2018 2019 Jun Dec Jun Dec Jun Dec Jun 0.00 625,953.7 593,783.2 561,814.6 683,009.4 619,913.9 318,338.5 983,297.1 0.25* 185,445.9 147,727.9 218,307.9 228,514.7 194,449.6 194,643.9 203,251.5 0.50* 26,279.3 47,594.2 65,390.7 60,694.2 41,171.8 86,099.8 28,846.8 0.75* 18,426.5 29,889.6 8,918.3 10,624.2 7,036.8 46,078.1 3,547.1 1.00 25,437.0 79,419.0 41,219.6 21,453.6 17,376.7 70,371.4 60,268.0 1.25 17,332.9 35,090.8 7,326.4 7,258.0 7,531.9 10,620.9 11,553.3 1.50 41,096.3 52,427.9 23,460.2 54,412.0 21,029.0 20,112.6 28,096.4 1.75 18,675.1 31,165.7 25,013.0 15,480.4 2,827.1 1,669.8 2,860.8 2.00 35,359.0 20,163.0 10,476.5 50,189.3 4,982.2 4,502.4 4,730.2 2.25 6,113.0 742.6 4,945.8 6,078.9 542.1 2,004.7 1,276.1 2.50 404.3 223.2 4,219.5 9,707.4 3,970.2 6,668.3 6,663.4 2.75 2,755.9 1,291.1 38,979.7 11,294.8 2,598.4 1,466.1 1,793.8 3.00 12,911.4 476.8 10,511.6 14,173.9 8,063.4 4,464.9 7,670.2 3.25 184.9 - 4,324.6 - 10,521.5 915.6 6,243.6 3.50 401.2 - 11,555.0 - 9,028.7 1,943.3 20,901.1 3.75 19.1 - 5,624.8 1,086.5 159,641.2 1,847.1 4,569.2 4.00 13,032.6 - 17.6 0.1 13,319.5 3,715.2 15,041.5 4.25 - - 266.0 822.9 5,007.6 2,428.9 24,045.0 4.50 - - 911.7 35.3 16,851.0 1,750.4 1,325.9 4.75 - - 511.8 93.9 48.0 11,592.9 20,877.5 5.00 - - - 5.0 10,414.6 3,159.7 2,219.9 5.25 - - - 750.0 255.9 850.6 398.5 5.50 - - - 6,000.0 273.2 3,402.0 2,040.3 5.75 - - - - 12,102.7 4,200.6 - 6.00 - - - - 4,580.6 118,823.7 10.0 6.25 - - - - 5,000.0 9,827.8 632.8 6.50 - - - - 265.1 11,988.8 1,359.9 6.75 - - - - .. 203.2 959.0 7.00 - - - - .. 11,015.2 922.4 7.25 - - - - .. - 216.7 7.50 - - - - 0.4 4,358.7 95.0 7.75 - - - - .. 12,875.1 3,970.9 8.00 - - - - .. 60,132.2 77,664.4 8.25 - - - - 24.7 8,756.7 10,412.1 8.50 - - - - .. 1,573.8 7,702.7 8.75 - - - - 15.2 5,876.7 0.1 9.00 - - - - - - 66,152.5 9.25 - - - - - - 10.4 9.50 - - - - - - 15,092.1 9.75 - - - - - - - 10.00 - - - - - - 3,900.5 10.25 - - - - - - 16,965.0 10.50 - - - - - - 304.8 10.75 - - - - - - 1,620.9 11.00 - - - - - - 1,801.7 Over 11.00 - - - - - - 20,788.7 1,029,828.1 1,039,995.2 1,043,795.3 1,181,684.5 1,178,843.1 1,048,279.5 1,672,099.7 Total *0.25 stands for 0.05 to 0.25 *0.50 stands for 0.30 to 0.50 *0.75 stands for 0.55 to 0.75 Source: Statistics & Data Warehouse Department, SBP 55
  31. 3 .23 Scheduled Banks' Deposits by Rates of Return (PLS) RATE OF RETURN 2016 2017 2018 (Million Rupees) 2019 Jun Dec Jun Dec Jun Dec Jun 0.00 2,956,607.9 3,125,513.5 3,569,106.4 3,478,375.0 3,779,041.3 4,275,240.1 4,222,545.7 0.25* 41,047.8 52,143.0 52,682.1 61,006.5 54,443.5 69,474.3 74,271.6 0.50* 15,881.9 18,404.4 17,484.6 2,483.7 6,452.6 1,571.3 1,221.4 723.6 616.6 17,350.5 1,256.4 63,304.6 31,896.3 0.75* 1.00 13,779.4 264.1 50.2 512.3 18,386.2 2,111.5 2,594.0 1.25 1,774.5 2,391.1 3,185.1 3,029.6 2,373.4 2,225.9 4,058.8 1.50 129.7 1,112.4 134.0 2,563.7 1,161.4 400.4 2,617.3 1.75 11,069.9 12,871.7 - 2,861.4 2,495.0 335.4 4,625.6 2.00 3,531.1 8,629.7 14,603.8 13,456.1 130,582.0 19,248.2 1,612.9 2.25 5,903.2 11,212.3 9,643.3 9,774.3 4,501.8 3,735.4 12,825.0 5,965.5 2.50 9,955.7 9,408.6 39,109.1 32,869.9 4,483.7 5,123.0 2.75 113,002.3 178,473.2 160,115.9 33,049.3 63,401.4 1,279.9 4,256.2 3.00 33,903.3 73,827.3 31,759.1 128,518.9 99,700.6 7,033.3 41,053.1 18,504.2 3.25 24,095.9 31,939.0 37,197.2 34,954.8 25,223.5 19,386.9 3.50 115,955.5 208,393.1 313,765.7 129,808.8 6,140.9 80,204.1 7,092.7 3.75 2,840,034.8 2,648,667.6 3,053,610.2 3,459,802.6 829,170.4 32,571.5 36,353.2 4.00 428,541.8 973,463.5 985,319.8 896,710.7 131,169.8 173,200.2 2,423.3 4.25 412,213.4 603,233.0 510,047.3 295,832.9 36,996.6 191,428.5 3,952.6 4.50 221,421.0 332,180.5 334,542.3 319,414.4 3,446,535.5 79,628.9 68,313.0 4.75 118,679.7 201,782.8 155,847.9 201,985.5 774,667.1 136,530.2 118,313.5 5.00 233,744.6 210,709.2 154,169.4 373,087.1 654,603.8 98,966.3 157,099.3 5.25 230,190.0 233,877.5 307,048.3 162,300.3 152,531.0 68,737.4 15,966.5 5.50 141,649.4 145,864.9 168,884.9 181,557.0 177,819.1 66,889.9 91,494.8 5.75 113,889.7 104,254.5 124,797.7 142,934.8 131,153.8 27,856.5 42,509.1 6.00 161,712.6 142,461.7 133,401.8 292,541.7 349,650.2 61,062.2 30,025.6 6.25 86,007.3 89,839.1 92,645.2 105,254.0 91,537.6 34,451.3 133,211.4 6.50 179,276.7 73,497.5 35,935.2 33,694.8 122,633.2 685,113.4 23,353.5 6.75 60,398.8 57,549.5 39,991.6 104,341.1 97,907.0 142,555.0 24,128.1 7.00 342,400.0 84,657.1 114,990.2 114,580.5 42,978.6 93,200.6 105,845.9 7.25 62,189.3 77,510.5 37,978.1 17,009.0 48,468.6 45,438.9 18,656.5 7.50 27,936.4 49,243.9 11,743.1 3,247.0 136,088.3 63,961.0 38,070.2 7.75 41,731.8 4,883.3 2,067.3 7,628.9 12,205.1 47,292.2 24,934.7 8.00 18,769.5 10,113.5 6,347.4 11,869.2 10,867.2 3,763,774.2 629,531.3 8.25 2,763.7 1,886.7 1,495.1 3,786.3 623.8 579,800.2 40,265.4 8.50 12,981.0 3,621.2 3,047.5 4,481.0 1,968.8 334,365.1 174,834.7 8.75 4,051.7 2,140.7 4,674.6 51,691.8 4,872.5 51,899.1 43,212.3 9.00 10,938.4 8,838.0 10,257.9 2,823.0 894.9 166,471.3 149,204.7 9.25 3,627.4 2,024.6 1,607.5 728.0 457.9 56,024.7 28,590.5 9.50 2,186.2 1,845.2 1,917.1 2,911.2 3,604.3 149,936.5 45,432.4 9.75 5.0 - - - - 49,761.8 36,092.2 10.00 5,839.6 11.7 256.0 283.6 7,295.7 43,435.0 81,705.0 10.25 330.7 7.7 71.2 3.8 0.2 14,339.4 3,260,113.8 10.50 325.6 20.0 189.3 13,773.2 128.2 37,210.1 1,133,770.3 10.75 6,643.9 17.6 907.6 110.3 108.7 20,996.0 175,368.7 11.00 1,437.8 744.2 550.2 413.4 407.1 68,577.5 253,233.3 Over-11.00 9,273.0 1,009.0 4,510.4 9,796.7 3,218.0 199,571.6 918,714.0 9,127,829.0 9,801,263.2 10,548,305.3 10,765,208.5 11,470,206.8 12,135,720.9 12,339,860.1 Total *0.25 stands for 0.05 to 0.25 *0.50 stands for 0.30 to 0.50 *0.75 stands for 0.55 to 0.75 Source: Statistics & Data Warehouse Department, SBP 56
  32. 3 .24 Scheduled Banks' Advances by Rates of Interest (End of period : Million Rupees) 2017 RATE OF RETURN Jun 2018 Dec Jun 36,168.1 664.9 15,469.2 11,928.5 3,278.7 898.3 150.9 6,777.9 794.8 176.2 124.5 2,221.1 Private Sector 27,668.1 664.9 15,469.2 9,927.0 362.8 898.3 150.9 5,864.9 794.8 176.2 124.5 2,221.1 14,237.4 249.8 6,052.3 14,860.3 3,917.1 333.9 0.1 5,255.7 384.6 2,638.1 52.7 2,634.6 Private Sector 14,237.4 249.8 6,052.3 12,585.3 298.0 333.9 0.1 5,255.7 384.6 204.4 52.7 2,634.6 5.25 4.8 4.8 335.0 5.50 454.5 454.5 5.75 8.2 23,122.3 9,795.9 7,324.9 2,612.7 25,039.0 4,610.9 5,329.9 3,367.7 14,771.9 3,051.6 4,177.2 1,050.2 30,287.7 3,044.8 1,980.7 1,572.6 12,774.5 596.8 1,764.9 122.7 4,123.4 3,291.5 230.5 161.3 12,905.7 1,595.3 906.1 1,108.1 2,593.0 321.3 3,253.3 545.0 4,606.2 6.5 178.4 17.8 13,839.5 263.8 6,122.4 - Overall 0.00 1.00* 2.00* 3.00* 3.25 3.50 3.75 4.00 4.25 4.50 4.75 5.00 6.00 6.25 6.50 6.75 7.00 7.25 7.50 7.75 8.00 8.25 8.50 8.75 9.00 9.25 9.50 9.75 10.00 10.25 10.50 10.75 11.00 11.25 11.50 11.75 12.00 12.25 12.50 12.75 13.00 13.25 13.50 13.75 14.00 14.25 14.50 14.75 15.00 15.25 15.50 15.75 16.00 & over 37,464.4 329,053.1 TOTAL * 1.00 stands for 0.25 to 1.00 * 2.00 stands for 1.25 to 2.00 * 3.00 stands for 2.25 to 3.00 2019 Dec Jun 142.4 0.1 6,635.1 8.4 83.0 10.8 1,188.5 Private Sector 20,674.3 481.4 1,490.8 10,103.1 142.4 0.1 6,635.1 8.4 83.0 10.8 1,188.5 12,349.6 892.0 1,087.1 15,323.5 1,407.6 442.3 2.4 16,205.0 2,889.7 52.0 3,010.2 335.0 5.0 5.0 2.8 2.8 537.9 537.9 145.3 145.3 375.4 375.4 8.2 13.2 13.2 - 5.3 5.3 11,165.9 9,795.9 7,324.9 2,612.7 25,039.0 4,610.9 5,329.9 3,367.7 14,771.9 3,051.6 4,177.2 1,050.2 30,287.7 3,044.8 1,980.7 1,572.6 12,774.5 596.8 1,764.9 122.7 4,123.4 3,291.5 230.5 161.3 12,505.7 1,595.3 906.1 1,108.1 2,593.0 321.3 3,253.3 545.0 4,606.2 6.5 178.4 17.8 13,839.5 263.8 6,122.4 - 26,933.9 37,897.8 34,963.6 3,958.8 22,664.7 12,772.7 7,916.9 3,860.0 10,520.9 7,249.0 15,740.6 2,291.7 6,400.5 15,389.8 890.3 4,813.1 7,626.5 382.2 3,027.2 526.6 11,453.4 3,701.0 1,460.5 588.3 10,735.4 1,956.2 1,523.3 1,979.9 1,033.7 642.9 2,779.0 744.2 1,631.4 30.7 178.3 381.9 1,500.6 20.1 2,101.1 279.4 26,933.9 11,311.7 16,963.6 3,958.8 22,664.7 12,772.7 7,916.9 3,860.0 10,520.9 7,249.0 15,340.6 2,291.7 6,400.5 15,389.8 890.3 4,813.1 7,626.5 382.2 3,027.2 526.6 11,453.4 3,701.0 1,460.5 588.3 10,735.4 1,956.2 1,523.3 1,979.9 1,033.7 642.9 2,779.0 744.2 1,631.4 30.7 178.3 381.9 1,500.6 20.1 2,101.1 279.4 5,685.5 2,614.3 20,455.1 10,100.4 30,433.4 6,653.5 18,235.3 9,238.8 27,658.0 10,706.8 9,222.6 3,507.6 22,887.7 4,334.5 2,617.4 961.1 47,357.7 462.7 2,081.5 2,311.3 8,063.3 6,482.1 701.3 759.0 11,488.2 129.1 1,128.4 6,593.9 4,508.1 93.4 2,658.5 24.9 2,921.0 5.5 399.8 16.2 2,017.9 13.6 4,557.3 - 9,994.5 4,508.0 1,589.2 361.6 8,100.9 1,028.6 15,510.7 642.9 14,419.9 1,032.6 7,023.6 178.8 31,001.9 3,338.5 16,246.8 2,531.9 30,433.9 8,838.0 17,108.6 9,794.2 40,064.1 16,002.2 24,657.3 12,620.8 35,585.5 1,235.8 12,888.6 6,270.1 13,419.4 455.5 33,687.8 2,656.4 9,524.0 1,146.6 657.3 54.4 6,970.3 42.4 1,166.3 383.3 40,407.1 68,055.7 Overall Overall 20,924.9 481.4 1,490.8 10,103.1 5,697.2 2,614.3 20,455.1 10,100.4 41,420.5 6,653.5 18,235.3 9,238.8 27,808.0 10,706.8 9,222.6 3,507.6 22,887.7 4,334.5 2,617.4 961.1 48,752.4 462.7 2,081.5 2,311.3 8,063.3 6,482.1 701.3 759.0 11,984.0 129.1 1,128.4 6,593.9 4,508.1 93.4 2,658.5 24.9 2,921.0 5.5 399.8 16.2 2,017.9 13.6 4,840.9 - 37,464.4 28,119.8 28,119.8 40,698.3 302,366.2 350,170.7 296,856.7 385,326.7 57 Overall Private Sector 12,349.6 892.0 1,087.1 15,323.5 1,407.6 442.3 2.4 16,205.0 2,889.7 52.0 25,473.0 306.8 1,264.6 10,941.8 651.8 200.9 181.6 7,277.1 40.0 45.6 80.6 818.8 Private Sector 24,514.8 306.8 1,264.6 10,941.8 651.8 200.9 181.6 7,277.1 40.0 45.6 80.6 818.8 385.6 385.6 9,994.5 4,508.0 1,589.2 361.6 8,100.9 1,028.6 14,880.0 642.9 14,341.1 1,032.6 6,961.8 178.8 21,538.9 3,338.5 16,246.8 2,531.9 30,433.9 8,838.0 16,893.2 9,794.2 40,064.1 16,002.2 24,657.3 12,620.8 35,087.3 1,235.8 12,888.6 6,270.1 13,419.4 455.5 33,687.8 2,656.4 9,523.9 1,146.6 657.3 54.4 6,970.3 42.4 1,166.3 383.3 413.6 3,194.0 1,006.9 50.5 2,643.2 6,626.9 20,547.6 1.5 1,041.6 296.8 1,417.8 31.4 1,601.5 431.3 814.3 8.4 4,651.3 2,473.3 3,615.7 1,422.1 3,137.3 66,691.6 19,853.4 3,737.5 28,876.3 8,205.0 6,566.8 14,689.6 31,606.1 9,655.3 10,033.9 16,343.4 41,478.9 7,988.3 9,322.6 2,393.8 24,600.9 1,594.0 2,756.1 4,666.7 413.6 3,194.0 728.6 50.5 2,643.2 6,626.9 16,394.1 1.5 1,041.6 296.8 1,356.0 31.4 1,601.5 431.3 814.3 8.4 4,651.3 2,473.3 3,400.3 1,422.1 3,137.3 32,730.1 19,853.4 3,737.5 14,317.1 8,205.0 6,566.8 14,689.6 31,606.1 9,655.3 10,033.9 16,343.4 41,478.8 7,988.3 9,322.6 2,393.8 24,600.9 1,594.0 2,634.5 4,666.7 68,043.2 51,218.9 51,211.3 3,010.2 Overall 371,462.0 525,274.0 514,313.4 465,374.1 411,057.0 Source: Statistics & Data Warehouse Department, SBP
  33. 3 .25 Scheduled Banks' Financing under Islamic Modes by Rates of Return 2017 Jun (End of Period: Million Rupees) 2019 2018 Dec Jun Dec Jun RATE OF RETURN Overall Private Sector Overall Private Sector Overall Private Sector Overall Private Sector Overall Private Sector 0.00 1.00* 2.00* 3.00* 4.00* 5.00* 6.00* 7.00* 8.00* 8.25 8.50 8.75 9.00 9.25 9.50 9.75 10.00 10.25 10.50 10.75 11.00 11.25 11.50 11.75 12.00 12.25 12.50 12.75 13.00 13.25 13.50 13.75 14.00 14.25 14.50 14.75 15.00 15.25 15.50 15.75 16.00 16.25 16.50 16.75 17.00 17.25 17.50 17.75 18.00 18.25 18.50 18.75 19.00 19.25 19.50 19.75 20.00 & over 505,166.1 5,775.3 39,770.7 336,498.9 115,965.6 58,876.8 370,764.9 1,620,164.0 991,060.7 86,561.4 68,097.6 58,545.3 286,906.2 68,788.1 50,607.4 16,277.3 111,232.1 15,983.8 32,075.5 19,256.9 66,984.6 27,981.5 30,901.0 8,122.6 51,491.9 8,761.7 65,375.2 6,478.4 20,021.1 5,019.1 60,223.2 1,616.8 69,159.6 26,186.6 2,101.4 22,728.4 49,073.4 3,776.2 16,972.4 15,037.5 26,175.4 1,022.7 3,781.6 6,168.8 6,500.7 841.1 9,252.5 373.1 29,125.4 1,878.1 2,122.6 631.4 47,550.7 78.5 1,502.6 306.0 83,187.8 273,283.3 4,712.4 39,770.7 308,723.5 97,772.7 58,876.8 184,428.3 960,796.6 744,304.6 67,164.6 66,905.5 57,588.1 271,215.3 68,788.1 50,607.4 14,277.3 67,956.3 15,836.6 32,075.5 19,256.9 66,984.6 27,977.0 30,872.6 8,122.6 37,187.9 6,746.0 65,375.2 6,478.4 20,021.1 5,019.1 40,223.2 1,616.8 66,912.2 26,186.6 2,101.4 22,728.4 46,146.9 3,776.2 16,972.4 15,037.5 25,217.0 1,022.7 3,720.6 6,168.8 6,500.7 840.8 9,252.5 373.1 29,125.4 1,244.7 2,122.6 631.4 47,550.7 78.5 1,502.6 306.0 83,187.8 237,928.0 5,281.4 28,295.5 390,573.4 112,866.0 73,539.6 384,322.7 1,736,385.8 1,289,909.5 137,164.3 82,826.0 85,414.0 201,845.8 147,086.7 40,063.8 63,110.4 64,468.5 26,324.0 34,471.1 16,997.2 85,743.6 48,221.3 27,979.9 12,787.5 53,488.2 9,452.5 69,621.4 3,853.6 22,044.4 3,640.3 36,120.3 5,494.0 62,982.7 24,582.8 9,928.3 32,534.9 52,425.5 3,900.2 22,967.4 13,232.5 29,084.2 2,040.1 3,530.4 2,112.5 9,134.3 989.6 1,392.4 1,039.4 11,868.6 1,195.3 1,836.5 746.9 43,056.5 312.9 789.0 426.2 86,860.8 177,542.3 4,183.4 28,295.5 358,559.8 91,898.3 61,908.4 165,277.5 995,850.1 918,339.6 123,525.7 81,750.6 84,496.6 197,925.9 131,632.2 40,063.8 57,604.8 61,985.4 25,785.9 34,471.1 16,845.5 85,718.6 48,192.1 27,979.9 12,787.5 25,696.1 9,452.5 69,621.4 3,853.6 19,944.4 3,640.3 36,120.3 5,494.0 62,982.7 24,582.8 9,928.3 32,534.9 52,192.2 3,089.6 22,967.4 13,232.5 28,243.1 2,040.1 3,530.4 2,112.5 9,134.1 989.6 1,392.4 1,039.4 11,868.6 1,094.3 1,836.5 746.9 43,056.5 312.9 789.0 426.2 86,860.8 255,400.4 7,565.0 27,760.0 344,538.6 108,418.4 97,741.5 312,656.2 1,832,518.7 1,756,081.5 131,782.5 199,596.8 72,916.0 188,470.4 104,788.5 121,594.9 32,207.8 146,913.8 30,940.3 48,908.1 14,055.3 60,053.8 16,013.5 52,937.8 11,271.5 114,503.4 5,714.9 83,686.5 4,463.3 18,610.3 5,792.3 60,087.6 3,135.8 79,384.4 21,996.0 7,117.9 41,347.4 30,229.3 6,231.8 17,263.2 10,982.0 43,092.7 4,529.5 4,545.8 3,058.2 6,008.7 772.6 4,937.6 1,131.8 9,646.8 4,512.9 1,466.4 1,105.0 62,216.7 345.5 5,526.8 495.0 98,419.5 185,632.9 6,461.1 27,758.5 344,532.0 104,596.9 71,790.0 211,240.8 843,542.2 1,224,135.8 123,924.9 173,838.5 72,580.0 180,691.2 104,524.4 110,434.0 32,207.8 137,632.3 24,028.9 48,908.1 13,933.9 59,961.0 16,012.3 52,936.1 11,271.5 70,711.5 5,714.9 55,569.9 4,463.3 18,610.3 5,786.6 40,087.6 3,135.8 79,384.4 21,996.0 7,117.9 41,347.4 27,991.2 6,231.8 16,195.9 10,982.0 41,429.8 4,529.5 4,545.8 3,058.2 6,008.7 772.6 4,937.6 1,131.8 9,646.8 3,318.2 1,466.4 1,105.0 58,732.5 345.5 5,526.8 495.0 98,419.5 276,536.5 5,501.9 27,116.1 398,274.1 80,861.8 87,463.9 116,977.0 296,193.5 419,964.5 102,088.3 100,875.5 143,233.3 346,307.8 343,578.3 248,515.6 273,858.9 771,828.6 208,768.3 305,225.4 244,784.5 373,735.7 223,161.1 293,968.5 139,642.1 258,026.0 68,854.7 120,094.8 43,597.9 106,005.2 32,928.0 199,524.0 23,853.4 113,221.0 34,955.3 14,228.9 56,700.0 27,080.6 7,798.8 17,272.7 11,601.2 20,125.7 7,992.2 6,034.2 3,501.7 10,352.4 4,416.5 3,896.2 1,840.3 17,979.4 5,365.5 1,949.0 1,737.4 40,188.3 563.2 821.2 8,687.0 93,944.1 207,469.9 3,689.7 27,114.6 397,188.6 80,569.5 80,668.3 26,179.9 246,406.0 251,190.0 88,420.5 89,701.2 118,103.6 276,191.4 221,572.1 198,875.3 145,893.4 270,300.8 129,762.7 231,611.0 221,617.0 271,908.6 129,998.3 158,836.9 97,791.7 157,507.8 66,522.4 118,269.3 35,267.9 81,312.7 32,922.2 189,524.0 23,853.4 113,221.0 34,955.3 14,228.9 56,700.0 27,080.6 7,798.8 17,272.7 11,601.2 19,282.4 7,992.2 6,034.2 3,501.7 10,352.2 4,416.5 3,896.2 1,840.3 17,979.4 5,365.5 1,949.0 1,737.4 23,101.5 563.2 821.2 8,687.0 93,944.1 243,425.8 10,610.1 19,725.4 468,806.4 79,159.2 137,332.2 38,119.6 155,227.7 119,159.1 13,776.8 11,095.8 21,840.8 16,378.0 22,759.3 58,673.7 15,740.9 82,134.8 45,225.3 49,351.1 37,728.2 230,843.6 313,012.5 225,181.4 240,629.4 450,945.3 492,653.0 536,760.7 206,602.5 483,265.6 326,329.3 298,082.8 263,703.6 512,585.3 167,090.4 73,834.7 116,975.6 176,435.2 34,489.3 48,502.5 38,697.3 84,305.3 34,726.7 13,653.1 27,524.0 34,754.5 7,281.8 7,750.7 10,525.6 21,486.7 26,197.7 3,541.8 6,947.4 48,695.1 3,222.0 3,642.7 2,431.4 131,413.6 232,961.6 9,301.2 19,723.9 467,720.9 78,699.9 96,726.6 31,569.1 111,805.1 79,919.6 5,704.0 9,386.2 21,805.9 16,207.8 22,400.2 29,379.8 15,740.9 82,027.6 11,286.6 49,350.7 35,356.2 152,106.2 213,156.0 173,668.7 181,784.0 303,716.7 243,042.6 134,730.3 153,609.1 381,576.7 280,334.3 186,002.9 179,406.0 338,310.8 110,294.0 70,873.6 115,620.9 155,776.2 34,489.3 48,455.5 38,697.3 77,553.9 34,726.7 13,653.1 27,524.0 31,406.9 7,281.8 7,750.7 10,525.6 21,486.7 25,894.4 3,541.8 6,947.4 48,695.1 3,222.0 3,642.7 2,431.4 131,413.6 4,139,672.6 5,956,291.0 4,423,426.8 6,737,488.9 4,843,371.5 TOTAL 5,636,886.0 * 1.00 stands for 0.25 to 1.00 : : : : : : * 8.00 stands for 7.25 to 8.00 58 7,193,597.6 5,170,563.0 7,350,990.1 5,380,422.6 Source: Statistics & Data Warehouse Department, SBP
  34. 3 .26 Scheduled Banks' Weighted Average Rates of Return on Deposits PLS & Interest Bearing – All Banks TYPE OF DEPOSITS I. II. III. Call Deposits Saving Deposits 2016 2017 2018 (Percent per annum) 2019 Jun Dec Jun Dec Jun Dec Jun 2.88 3.30 2.42 2.85 2.97 4.25 6.69 (2.36) (2.29) (3.19) (2.47) (2.90) (2.43) (2.09) 3.73 3.57 3.54 3.58 4.14 7.00 8.67 (64.38) (63.58) (64.78) (64.46) (66.49) (65.58) (66.41) Term or Fixed Deposits (a) Less than 3 months 4.80 4.36 4.36 4.18 5.15 7.14 9.53 (5.69) (5.75) (4.59) (5.68) (5.38) (7.05) (7.62) 4.52 4.26 4.29 4.31 4.77 6.75 8.89 (6.14) (6.46) (6.09) (6.42) (5.92) (7.72) (6.21) 4.70 4.32 4.26 4.10 4.63 6.19 8.61 (5.62) (5.88) (5.80) (5.19) (4.89) (4.56) (4.95) 4.89 4.70 4.62 4.79 5.13 7.30 9.19 (11.25) (11.91) (11.98) (12.45) (11.25) (9.45) (9.72) (b) 3 months and over but less than 6 months (c) 6 months and over but less than 1 year (d) 1 year and over but less than 2 years (e) 2 years and over but less than 3 years 5.62 5.29 5.14 5.16 5.04 7.21 9.36 (0.63) (0.50) (0.40) (0.37) (0.36) (0.31) (0.37) 5.48 5.46 5.67 5.77 5.59 7.45 9.39 (1.22) (1.14) (0.90) (0.70) (0.72) (0.64) (0.76) 5.84 5.68 5.28 6.61 5.37 7.32 10.81 (0.07) (0.05) (0.06) (0.13) (0.12) (0.10) (0.09) 6.42 5.83 6.22 7.46 6.96 8.56 9.95 (2.62) (2.44) (2.21) (2.11) (1.97) (2.16) (1.78) 4.11 3.92 3.84 3.93 4.41 6.95 8.79 2.75 2.62 2.53 2.64 2.92 4.60 5.72 (f) 3 years and over but less than 4 years (g) 4 years and over but less than 5 years (h) 5 years and over IV. Overall (i) Excluding current and other deposits (ii) Including current and other deposits Source: Statistics & Data Warehouse Department, SBP Note: Figures in parentheses represent as percentage of total deposits excluding current and other deposits. PLS: Profit and Loss Sharing 59
  35. 3 .27 Scheduled Banks' Weighted Average Rates of Return on Deposits Profit & Loss Sharing – All Banks 2016 TYPE OF DEPOSITS I. II. III. Call Deposits Saving Deposits 2017 2018 (Percent per annum) 2019 Jun Dec Jun Dec Jun Dec Jun 3.02 3.42 2.54 2.95 3.03 4.25 6.69 (2.43) (2.38) (3.26) (2.60) (3.05) (2.65) (2.27) 3.98 3.80 3.75 3.83 4.32 7.37 9.27 (64.56) (63.74) (64.99) (64.96) (66.62) (66.02) (66.95) 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 4.99 4.66 4.54 4.55 5.21 7.59 10.41 (5.87) (5.68) (4.69) (5.51) (5.62) (7.13) (7.59) 5.02 4.67 4.67 4.76 5.12 7.38 10.28 (5.81) (6.16) (5.76) (6.06) (5.41) (7.08) (5.60) 5.15 4.67 4.66 4.70 5.04 6.71 9.67 (5.41) (5.71) (5.44) (4.73) (4.61) (4.28) (4.52) (d) 1 year and over but less than 2 years 5.17 4.90 4.81 5.04 5.30 7.68 9.63 (11.31) (12.14) (12.13) (12.68) (11.49) (9.47) (10.05) (e) 2 years and over but less than 3 years 5.67 5.35 5.25 5.44 5.38 7.64 9.85 (0.67) (0.53) (0.41) (0.37) (0.34) (0.31) (0.38) (f) 3 years and over but less than 4 years 5.86 5.68 5.77 5.79 5.61 7.47 9.51 (1.22) (1.17) (0.94) (0.76) (0.77) (0.69) (0.78) 5.88 5.68 5.29 6.61 5.37 7.32 10.81 (0.08) (0.05) (0.07) (0.14) (0.13) (0.11) (0.09) 6.77 6.14 6.35 7.74 7.25 8.70 10.07 (2.63) (2.44) (2.31) (2.18) (1.96) (2.26) (1.76) (i) Excluding current and other deposits 4.39 4.16 4.07 4.21 4.59 7.33 9.43 (ii) Including current and other deposits 3.01 2.86 2.74 2.89 3.11 4.82 6.28 (g) 4 years and over but less than 5 years (h) 5 years and over IV. Overall Source: Statistics & Data Warehouse Department, SBP Note: Figures in parentheses represent as percentage of total PLS deposits excluding current and other deposits. 60
  36. 3 .28 Scheduled Banks' Weighted Average Rates of Return on Deposits Interest Bearing – All Banks (Percent per annum) TYPE OF DEPOSITS I. II. III. Call Deposits Saving Deposits Jun 2017 Dec Jun 2018 Dec Jun 2019 Dec Jun 0.07 0.10 0.05 0.08 0.88 1.32 6.33 (1.48) (1.09) (2.30) (1.01) (1.01) (0.08) (0.29) 0.52 0.49 0.57 0.41 1.79 2.79 2.13 (62.25) (61.44) (62.00) (58.74) (64.81) (60.85) (60.96) Term or Fixed Deposits (a) Less than 3 months (b) 3 months and over but less than 6 months 0.91 1.01 0.73 1.10 3.47 1.71 1.09 (3.57) (6.68) (3.22) (7.59) (2.25) (6.26) (7.92) 1.04 1.06 1.51 1.28 2.82 3.51 2.58 (10.16) (10.33) (10.54) (10.50) (12.59) (14.61) (12.33) (c) 6 months and over 1.10 1.07 1.53 1.01 1.75 3.05 3.46 but less than 1 year (8.19) (8.12) (10.60) (10.55) (8.43) (7.57) (9.25) (d) 1 year and over but less than 2 years (e) 2 years and over but less than 3 years (f) 3 years and over but less than 4 years (g) 4 years and over but IV. 2016 1.20 1.10 1.48 1.14 2.05 3.08 2.43 (10.56) (8.91) (9.97) (9.85) (8.11) (9.17) (6.47) 0.96 1.26 1.65 1.93 2.39 2.42 3.10 (0.10) (0.11) (0.18) (0.37) (0.58) (0.30) (0.30) 0.94 1.28 1.71 2.00 2.32 5.20 7.41 (1.24) (0.83) (0.32) (0.05) (0.06) (0.08) (0.50) 1.79 1.48 1.75 2.17 2.25 - 3.15 less than 5 years (0.01) (..) (..) (..) (..) - (..) 1.79 1.81 1.77 2.21 3.55 5.41 8.88 (h) 5 years and over (2.43) (2.49) (0.88) (1.34) (2.16) (1.07) (1.98) 0.74 0.72 0.87 0.72 2.00 2.90 2.42 0.37 0.35 0.44 0.39 0.99 2.01 1.60 Overall (i) Excluding current and other deposits (ii) Including current and other deposits Source: Statistics & Data Warehouse Department, SBP Note: Figures in parentheses represent as percentage of total interest bearing deposits excluding current and other deposits. 61
  37. 3 .29 Security and Nature Wise Weighted Average Lending Rates (All Scheduled Banks) (Percent per annum) AS AT THE END OF I. Precious Metals Stock Exchange Securities Merchandise Machinery Real Estate Financial Obligations Others TOTAL ADVANCES INTEREST BEARING & ISLAMIC MODES OF FINANCING - ALL BANKS 2016 2017 2018 2019 II. 2016 2017 2018 2019 III. 2016 2017 2018 2019 Jun 11.33 6.82 7.51 8.04 9.48 10.16 9.02 8.40 Dec 11.21 7.90 6.52 7.14 8.11 4.84 8.55 7.59 Jun 8.85 7.39 6.94 5.96 8.78 6.60 8.55 7.49 Dec 7.89 7.20 6.95 7.25 8.64 7.15 8.43 7.76 Jun 11.06 7.77 7.22 7.90 8.82 6.87 8.63 8.10 Dec 10.59 9.82 8.77 9.59 10.25 8.65 10.58 9.79 Jun 10.97 11.59 10.46 11.23 11.46 11.31 12.72 11.62 INTEREST BEARING - ALL BANKS Jun 11.60 8.3 8.76 8.59 8.8 9.58 10.03 9.25 Dec 11.35 9.18 7.94 8.44 8.49 4.76 10.92 9.28 Jun 14.51 7.31 7.11 8.38 8.67 4.52 11.03 8.88 Dec 14.13 7.40 7.16 8.33 8.31 8.89 10.35 8.67 Jun 11.95 8.18 7.81 9.42 9.34 4.88 11.86 9.71 Dec 11.96 9.98 10.76 10.19 10.37 8.67 13.08 11.47 Jun 11.51 12.70 11.00 12.16 11.47 8.79 13.82 12.50 ISLAMIC MODES OF FINANCING-ALL BANKS Jun 11.28 6.73 7.44 8.01 9.56 10.17 8.94 8.34 Dec 11.18 7.75 6.47 7.10 8.07 4.84 8.42 7.51 Jun 8.25 7.40 6.93 5.88 8.79 6.74 8.43 7.41 Dec 7.87 7.17 6.94 7.21 8.69 6.99 8.32 7.71 Jun 10.98 7.74 7.19 7.85 8.75 7.17 8.46 8.00 Dec 9.48 9.81 8.70 9.53 10.24 8.65 10.39 9.67 Jun 10.88 11.36 10.44 11.19 11.45 11.67 12.65 11.56 Source: Statistics & Data Warehouse Department, SBP 62
  38. 3 .30 State Bank of Pakistan Rates for Banks and Scheduled Banks’ Rates of Return on Export Finance (Percent per annum) Export Finance Scheme EFFECTIVE FROM State Bank of Pakistan Corporate SME Export Finance Facility for Locally Manufactured Machinery Scheduled State Bank of Pakistan Over 3 Year Banks Up to 3 and up to Year 5Years Scheduled Banks Over 3 Year Up to 3 and up to Year 5Years Long Term Financing Facility(LTFF) Punjab Provincial Co-operative Over 3 Years Over 5 Years Bank Ltd. and up to 5 to 10 Years Years For Plant & Machinery Up to 3 Years 01/07/2017 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.0109 01/08/2017 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.0109 01/09/2017 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.0109 01/10/2017 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.0109 01/11/2017 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.0109 01/12/2017 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.0109 01/01/2018 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.0109 01/02/2018 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.0109 01/03/2018 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.0109 01/04/2018 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.0109 01/05/2018 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.3519 01/06/2018 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.3519 01/07/2018 2.0 1.0 3.0 4.0 3.5 6.0 6.0 4.5 3.5 3.0 6.8545 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 Source: IH & SME Finance Department SBP 1. In terms of SMED Circular No. 01 dated 30-01-06 the rates of COF shall be negotiated by the banks on the basis of KIBOR of relevant tenor. 2. LMM Scheme (Export Sales) has been replaced with the Export Finance Facility for Locally Manufactured Machinery (EFF-LMM) vide I.H. & SMEFD Circular No. 04 dated Jan 03, 2013. 63
  39. 3 .31 Weighted Average Lending & Deposit Rates (Percent per annum) Gross Disbursements Items Including Zero Markup Outstanding Loans Excluding Zero Markup Including Zero Markup Fresh Deposits Excluding Zero Markup Including Zero Markup Outstanding Deposits Excluding Zero Markup Including Zero Markup Excluding Zero Markup Including Excluding Including Excluding Including Excluding Including Excluding Including Excluding Including Excluding Including Excluding Including Excluding Interbank Interbank Interbank Interbank Interbank Interbank Interbank Interbank Interbank Interbank Interbank Interbank Interbank Interbank Interbank Interbank Jul-2019 Public 13.04 13.04 13.09 13.09 11.89 11.91 12.62 12.63 9.69 10.04 10.81 10.81 6.60 6.97 9.65 9.63 Private 13.32 13.44 13.53 13.67 12.26 12.26 12.69 12.69 7.73 7.61 9.89 9.82 6.04 6.02 9.51 9.51 Foreign 11.44 10.67 11.45 10.67 12.29 12.26 12.69 12.68 11.03 11.20 11.83 12.03 7.71 7.92 11.32 11.45 Specialized 14.44 14.44 14.45 14.45 13.36 13.36 14.24 14.24 7.36 7.36 11.25 11.25 8.62 8.62 10.96 10.96 All Banks 13.26 13.37 13.45 13.59 12.21 12.21 12.71 12.71 8.10 8.05 10.10 10.06 6.18 6.23 9.57 9.57 Public 12.73 12.73 12.74 12.74 12.09 12.09 12.78 12.78 9.54 10.39 10.94 10.94 6.63 7.19 10.04 10.04 Private 13.08 13.09 13.23 13.25 12.41 12.41 12.98 12.99 9.19 9.12 10.76 10.72 6.39 6.37 9.99 9.99 Foreign 13.76 14.20 13.76 14.20 13.38 13.38 13.84 13.84 11.04 11.07 12.04 12.04 8.04 8.18 11.80 11.80 Specialized 14.43 14.43 14.44 14.44 13.37 13.37 14.25 14.25 8.84 8.84 11.60 11.60 8.82 8.82 11.11 11.11 All Banks 13.09 13.10 13.23 13.26 12.37 12.37 12.98 12.98 9.28 9.32 10.83 10.79 6.47 6.55 10.03 10.03 Public 12.94 12.94 12.97 12.97 12.13 12.14 12.82 12.82 7.88 8.71 9.53 9.53 6.70 7.26 10.22 10.22 Private 13.53 13.59 13.76 13.85 12.81 12.80 13.31 13.31 7.68 7.50 10.54 10.44 6.45 6.42 10.17 10.15 Foreign 13.55 14.04 13.56 14.05 13.46 13.46 13.91 13.91 9.23 9.23 12.42 12.42 7.50 7.57 12.20 12.20 Specialized 14.71 14.71 14.71 14.71 13.39 13.39 14.27 14.27 9.15 9.15 11.13 11.13 9.01 9.01 11.13 11.13 All Banks 13.51 13.58 13.74 13.83 12.69 12.69 13.23 13.24 7.74 7.64 10.50 10.42 6.52 6.60 10.21 10.20 Public 13.47 13.47 13.63 13.63 12.35 12.35 12.99 13.00 8.74 9.09 9.67 9.67 6.92 7.42 10.49 10.49 Private 13.68 13.93 13.96 14.25 12.91 12.92 13.50 13.52 7.55 7.40 10.74 10.66 6.60 6.55 10.26 10.23 Foreign 13.50 14.07 13.51 14.07 13.66 13.67 14.11 14.12 10.25 10.64 11.59 12.03 7.72 8.03 11.52 12.04 Specialized 14.53 14.53 14.53 14.53 13.41 13.41 14.29 14.29 6.39 6.39 11.78 11.78 9.47 9.47 11.22 11.22 All Banks 13.67 13.92 13.94 14.24 12.82 12.82 13.42 13.44 7.87 7.78 10.74 10.72 6.69 6.75 10.33 10.32 Public 14.15 14.15 14.19 14.20 12.25 12.26 12.95 12.96 7.49 7.84 9.93 9.93 6.76 7.27 10.40 10.39 Private 13.87 14.06 14.05 14.29 12.84 12.83 13.47 13.49 7.54 7.36 10.58 10.48 6.71 6.66 10.34 10.32 Foreign 13.35 13.77 13.35 13.78 13.57 13.58 14.00 14.02 9.99 10.12 11.53 11.91 7.03 7.15 11.45 11.66 Specialized 14.50 14.50 14.50 14.50 13.43 13.43 14.30 14.30 8.36 8.36 11.67 11.67 9.58 9.58 11.24 11.24 All Banks 13.84 14.06 14.01 14.27 12.74 12.74 13.39 13.40 7.62 7.51 10.54 10.47 6.73 6.79 10.37 10.35 Aug-2019 Sep-2019 Oct-2019 Nov-2019 Notes: Source: Statistics & Data Warehouse Department, SBP 1. Gross Disbursement: Gross Disbursements include the amount disbursed against fresh loans and the loan re-priced, renewed or rolled over during the month. However, in case of running finance the disbursed amount means the maximum amount availed by the borrower at any point of time during the month. 2. Outstanding Position: The loans and advances recoverable from borrowers at the end of the month. 3. Fresh Deposits: Fresh Deposits include outstanding position of fresh deposits (new accounts) mobilized during the month and deposits re-priced or rolled over during the month. 4. Outstanding Deposits: The deposits held within the banks at the end of the month. 5. Loans & advances and deposits include interbank placements as well. 64
  40. Weighted Average Lending and Deposits Rates All Banks 15 .5% 14.0% 12.5% Rates 11.0% 9.5% 8.0% 6.5% 5.0% Sep-19 Oct-19 Nov-19 Oct-19 Nov-19 Aug-19 Jul-19 Sep-19 Fresh Deposits Jun-19 May-19 Apr-19 Mar-19 Jan-19 Dec-18 Nov-18 2.0% Feb-19 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 65 Aug-19 Jul-19 Jun-19 May-19 Apr-19 Mar-19 Feb-19 Jan-19 2.0% Dec-18 3.5% Nov-18 Rates 9.5% Outstanding Loans
  41. 3 .32 Average Rates of Return on Advances of Specialized Agricultural Finance Institutions and Agriculture Lending of Commercial Banks (Percent per annum) Zarai Taraqiati Bank Ltd. Punjab Provincial Cooperative Bank Commercial Banks1 Period Production Loans Development Loans Production Loans Development Loans Production Loans Development Loans 2008-09 9.00 2 9.00 2 15.00 16.00 17.00 3 17.00 3 2009-10 9.00 2 9.00 2 15.00 16.00 17.00 3 17.00 3 2010-11 9.00 2 9.00 2 15.00 16.00 17.00 3 17.00 3 2011-12 12.00 4 13.80 4 17.00 18.00 17.00 3 16.00 3 2012-13 12.00 4 13.80 4 19.00 18.00 16.00 3 16.00 3 2013-14 12.00 4 13.80 4 19.00 18.00 16.00 3 16.50 3 2014-15 12.90 4 12.90 4 17.75 17.75 15.01 3 15.01 3 2015-16 15.21 15.21 17.50 17.50 11.60 12.52 2016-17 14.21 14.21 15.08 16.16 11.60 11.60 2017-18 14.21 14.21 14.40 15.8 11.52 11.52 Source: Agricultural Credit and Micro Finance Department SBP 1. Commercial banks including 5 Big Commercial Bank, 14 DPBs 2. Percent incentive is allowed to those borrowers who repay in time. 3. Mark up rates of comm. Banks are available since 2007-08 4. ZTBL revised mark up rates (average) in FY 2011-12 66
  42. 3 .33 Rates of Profit on National Saving Schemes ( Percent per annum) 2016 SCHEME 1. st 2017 st st 2018 st st 1 Aug 1 Oct 1 Feb 1 May 1 Jul 2019 st st 1 Sep 1 Nov st 1 Jan 1st Jul 1st Nov Saving Accounts (i) With cheque facilities 3.84 3.90 3.95 4.50 5.00 6.00 7.00 8.50 10.25 8.20 (ii) Without cheque facilities 3.84 3.90 3.95 4.50 5.00 6.00 7.00 8.50 10.25 8.20 2. Khas Deposit Accounts or Certificates1 3 Years (Rollover) (i) First 5 periods of complete 6 months 13.00 13.00 13.00 13.00 13.00 13.00 13.00 13.00 13.00 13.00 (ii) Last period of complete 6 months 13.00 13.00 13.00 13.00 13.00 13.00 13.00 13.00 13.00 13.00 13.42 13.42 13.42 13.42 13.42 13.42 13.42 13.42 13.42 13.42 (iii) Three Years (Compound rate) Mahana Amdani Accounts 2 3. (i) 1st year 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 7.00 (ii) 2nd year 7.24 7.24 7.24 7.24 7.24 7.24 7.24 7.24 7.24 7.24 (iii) 3rd year 7.43 7.43 7.43 7.43 7.43 7.43 7.43 7.43 7.43 7.43 (iv) 4th year 7.79 7.79 7.79 7.79 7.79 7.79 7.79 7.79 7.79 7.79 5th year 8.45 8.45 8.45 8.45 8.45 8.45 8.45 8.45 8.45 8.45 (vi) 6th year 9.25 9.25 9.25 9.25 9.25 9.25 9.25 9.25 9.25 9.25 (vii) 7th year 10.41 10.41 10.41 10.41 10.41 10.41 10.41 10.41 10.41 10.41 (viii) Compound rate on maturity 10.41 10.41 10.41 10.41 10.41 10.41 10.41 10.41 10.41 10.41 5.00 5.00 5.00 5.00 5.00 5.00 6.00 8.00 9.00 6.00 7.33 7.44 7.54 8.10 8.30 9.05 10.03 12.47 13.01 10.68 13.00 13.00 13.0 13.0 13.0 13.0 13.0 13.0 13.0 13.0 (v) Defence Saving Certificates3 4. Ist year (i) (ii) 10 years(Compound rate) 5. National Deposit Certificates / Accounts4 6 (a) Special Saving Certificates (Reg) 5 (i) 1 year (Rollover) or Special Saving Accounts (i) First 5 periods of complete 6 months 5.80 5.80 6.00 6.60 6.80 7.60 8.60 11.40 12.70 11.00 (ii) Last period of complete 6 months 6.00 6.20 6.20 7.80 8.60 9.20 10.00 12.40 13.90 11.80 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 6.31 6.36 6.54 7.63 8.04 8.78 9.72 12.00 12.96 10.92 8. Pensioner’s Benefit Accounts7 9.12 9.36 9.36 10.08 10.20 10.92 11.88 14.28 14.76 12.48 9.12 9.36 9.36 10.08 10.20 10.92 11.88 14.28 14.76 12.48 9. Behbood Saving Certificate8 10. Short Term Saving Certificate9 (i) 3 Months 5.52 5.56 5.60 5.92 6.40 7.36 8.28 9.80 12.08 8.50 (ii) 6 Months 5.54 5.60 5.62 6.04 6.46 7.42 8.38 9.88 12.18 8.50 (iii) 1 year 5.56 5.62 5.64 6.25 6.56 7.52 8.48 9.98 12.28 8.50 … … … 10.08* 10.20 10.92 11.88 14.28 14.76 12.48 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. *rate is effected from 23rd May 2018 67
  43. 3 .34 Branchless Banking: Key Indicators Number of Agents Period Number of Accounts Deposits as of date (Rs. in millions) Number of transactions during the quarter (No. in thousands) Value of transactions during the quarter (Rs. in millions) Average Size of Transaction (in Rs.) Average number of Transaction per day 2015 Q1 229,645 7,538,025 6,890 72,520 354,135 4,883 805,774 Q2 251,865 10,881,378 8,553 99,523 505,879 5,083 1,105,815 Q3 267,914 13,192,396 6,890 100,862 526,406 5,219 1,120,687 Q4 301,823 15,322,171 8,827 101,636 486,031 4,782 1,129,288 Q1 341,403 13,673,442 10,885 115,927 509,126 4,392 1,288,083 Q2 346,716 14,576,387 13,734 118,772 543,609 4,577 1,319,684 Q3 351,912 16,905,696 8,457 110,041 519,820 4,724 1,222,678 Q4 359,806 19,964,900 11,717 133,741 596,986 4,464 1,486,007 Q1 368,738 23,685,630 7,906 140,589 564,448 4,015 1,562,096 Q2 402,710 27,312,964 15,423 167,173 746,569 4,466 1,857,476 Q3 420,107 33,070,736 11,280 164,704 726,451 4,411 1,830,042 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 2016 2017 2018 2019 Source: Agriculture Credit & Microfinance Department SBP Branchless Banking or “BB” means conduct of banking activities as outlined in SBP Branchless Banking Regulations by Authorized Financial Institutions for customers having a branchless banking account. It does not include the information services already being provided by various FI‘s to their existing customers using channels like, phone, internet, SMS etc. Branchless Banking account or “BB Account” means an account maintained by a consumer in a Financial Institution in which credits and debits may be affected by virtue of Electronic Fund Transfers and which is used to conduct branchless banking activities as outlined in SBP Branchless Banking Regulations. Branchless Banking Agent means agent providing basic banking services, as described in SBP Branchless Banking Regulations to the customers of an FI on behalf of the FI under a valid agency agreement. 68
  44. 3 .35 Telegraphic Transfers Issued and En-cashed by State Bank of Pakistan ( Million Rupees ) PERIOD 2016 2017 2018 2018 2019 Oct Nov Aug Sep Oct Nov Issued 910,456 969,135 1,211,346 58,382 82,238 279,197 47,750 57,385 72,390 En-cashed 1,290,400 1,386,047 1,806,973 154,715 133,028 251,893 232,320 176,923 162,892 Issued 690,070 944,818 1,242,359 10,677 123,552 216,786 168,289 114,586 128,067 En-cashed 461,122 361,160 520,000 - 66,000 67,000 45,000 40,000 61,000 Issued 179,090 134,244 180,642 13,372 9,360 30,820 18,952 18,126 17,900 En-cashed 155,507 144,127 223,985 12,750 19,750 33,780 13,155 18,355 18,370 Issued 25,093 22,223 24,811 1,784 2,824 2,822 3,752 1,885 4,610 En-cashed 70,434 80,621 92,298 9,790 12,090 11,661 8,050 9,558 10,771 Issued 91,785 111,396 141,062 14,628 6,727 13,712 28,595 15,974 7,015 En-cashed 112,253 120,046 141,477 4,129 6,561 45,590 5,221 5,647 8,492 Issued 139,243 172,348 197,224 7,477 13,160 37,320 13,620 12,564 42,565 En-cashed 135,748 169,540 279,744 20,500 42,495 38,210 18,100 14,502 15,320 Issued 10,010 12,505 9,859 1,045 4,120 960 1,650 1,025 1,740 En-cashed 49,230 45,635 54,986 2,430 1,905 6,288 1,350 2,250 1,000 Issued 251,120 305,603 367,102 22,590 33,425 14,095 24,022 45,439 12,435 En-cashed 345,000 335,175 326,279 29,241 14,466 38,773 78,840 20,890 38,250 Issued 9,612 9,415 40,818 5,856 6,420 4,383 1,366 930 722 En-cashed 73,131 73,623 93,808 3,400 7,000 9,009 8,522 6,800 7,600 Issued 12,438 15,545 18,004 1,122 200 500 2,740 2,399 600 En-cashed 110,444 114,313 131,855 6,905 13,637 31 9,566 13,769 15,825 Issued 11,677 18,496 23,060 300 1,000 2,620 4,016 - 8 En-cashed 48,575 73,691 88,728 4,050 8,475 7,073 5,060 4,255 4,731 Issued 7,410 7,800 102,919 973 - 716 1,100 703 1,000 En-cashed 12,454 11,547 95,503 150 180 3,586 380 480 68 Issued 3,203 1,512 1,507 - - 60 - 500 - En-cashed 41,131 40,671 37,872 450 4,180 3,821 1,700 4,070 2,850 Issued 47,735 54,625 61,580 4,093 2,000 1,200 6,515 4,760 4,170 En-cashed 4,382 3,554 5,221 316 563 1,607 599 736 151 Issued 6,348 5,145 17,661 4,058 960 2,770 2,118 1,025 1,470 En-cashed 62,864 78,443 89,990 7,045 8,944 18,293 4,720 8,090 8,777 Issued 2,395,286 2,784,810 3,639,954 146,357 285,986 607,961 324,485 277,301 294,692 En-cashed 2,972,671 3,038,193 3,988,719 255,871 339,274 536,615 432,583 326,325 356,097 Karachi Lahore Peshawar Quetta Faisalabad Rawalpindi Hyderabad Islamabad Multan Sialkot Sukkur D.I. Khan Bahawalpur Muzaffarabad Gujranwala TOTAL Source: SBP-BSC field offices 69
  45. 3 .36 Clearing House Statistics (Thousand Cheques) ( Million Rupees ) PERIOD 2018 2016 Karachi Lahore Peshawar Quetta Faisalabad Rawalpindi Hyderabad Islamabad Multan Sialkot Sukkur D.I. Khan Others TOTAL 2017 2019 2018 No. of Cheques Cleared 33,175 37,542 Oct Nov Aug Sep Oct Nov 30,786 2,718 2,403 1,588 1,682 1,969 1,782 Amount 11,158,634 13,806,727 12,261,734 1,084,889 964,116 801,110 845,851 957,534 892,897 No. of Cheques Cleared 10,512 10,385 10,223 921 818 621 660 779 698 Amount 4,647,395 4,988,475 5,279,635 473,061 418,336 362,386 403,238 447,576 407,562 No. of Cheques Cleared 1,645 1,666 1,647 148 135 112 175 137 119 Amount 933,308 1,026,288 1,177,565 104,495 79,149 120,524 103,273 124,688 90,029 No. of Cheques Cleared 961 916 968 91 83 61 68 81 73 Amount 600,350 643,171 669,773 56,469 53,970 47,560 63,429 62,775 68,647 No. of Cheques Cleared 2,576 2,489 2,616 235 210 145 154 189 169 Amount 1,193,693 1,278,784 1,565,985 147,780 123,649 115,917 122,969 34,513 132,864 No. of Cheques Cleared 2,693 2,679 2,514 219 193 190 175 216 183 Amount 1,444,595 1,718,698 1,631,315 137,700 132,969 120,315 103,273 136,314 129,637 No. of Cheques Cleared 92 104 179 5 4 22 3 4 3 Amount 62,345 80,226 95,646 7,302 7,610 10,515 6,545 3,314 3,020 No. of Cheques Cleared 4,139 4,014 3,831 348 304 242 262 326 266 Amount 3,511,905 3,931,207 3,980,015 329,790 332,054 255,295 282,716 346,162 287,131 No. of Cheques Cleared 1,115 1,143 1,984 105 94 71 77 95 87 Amount 814,818 881,316 955,399 91,900 80,829 74,094 83,011 101,835 90,659 No. of Cheques Cleared 756 768 800 71 66 52 54 65 57 Amount 305,575 355,687 381,439 32,994 27,839 32,262 36,116 37,622 34,337 No. of Cheques Cleared 1,658 1,777 1,136 85 77 41 46 58 53 Amount 360,066 440,099 564,698 48,345 30,479 33,667 29,168 53,190 29,398 No. of Cheques Cleared 15 18 20 1 1 1 1 1 1 Amount 12,570 12,644 17,927 1,484 1,147 1,018 1,111 1,258 712 No. of Cheques Cleared 2,591 2,290 1,818 157 145 89 95 118 106 Amount 1,255,483 1,359,945 1,044,504 86,991 83,659 73,020 74,674 85,257 78,599 No. of Cheques Cleared 61,926 65,791 58,522 5,105 4,536 3,234 3,453 4,037 3,598 Amount 26,300,736 30,523,268 29,625,635 2,603,200 2,335,805 2,047,682 2,155,375 2,392,038 2,245,491 Source: SBP-BSC field offices 70
  46. 3 .37 Electronic Banking Statistics Product / Item 1. E-Banking Infrastructure Real Time Online Branches (RTOB) Automated Teller Machines (ATM) Point of Sale (POS) Unit FY18 FY19 Q3 Q4 Q1 Q2 Q3 Q4 No. No. No. 14,710 13,835 53,509 14,850 14,019 53,511 14,932 14,148 53,269 15,346 14,361 49,621 15,408 14,575 55,240 15,481 14,722 56,911 No. No. No. No. No. 1,423,768 20,984,868 8,528,797 236,018 8,897,960 1,453,867 21,712,069 8,586,819 234,098 8,932,140 1,483,730 22,475,259 8,722,621 234,814 8,948,923 1,522,366 23,303,422 8,805,431 229,680 7,847,513 1,555,508 23,972,022 8,692,010 227,487 7,777,839 1,589,120 24,831,777 8,485,391 228,417 7,103,294 Thousands Million Rupees 196,204 11,945,486 201,545 14,659,429 202,025 12,344,245 217,004 14,723,572 217,695 14,810,058 233,043 16,942,824 Thousands Million Rupees 121,551 1,447,169 125,915 1,520,330 127,072 1,500,540 131,408 1,592,971 130,546 1,606,513 134,265 1,699,533 Thousands Million Rupees 115,283 1,261,528 119,563 1,332,548 121,043 1,328,570 124,799 1,409,397 124,540 1,434,538 128,332 1,496,516 Thousands Million Rupees 91 3,091 118 4,809 93 2,885 120 4,971 119 5,169 137 7,220 Thousands Million Rupees 1,628 2,347 1,709 4,006 1,815 6,202 2,104 5,313 1,926 3,223 2,088 5,807 Thousands Million Rupees 2,545 79,857 2,218 86,595 2,307 72,411 2,248 86,391 2,162 75,990 2,007 105,211 Thousands Million Rupees 1,996 100,214 2,301 92,223 1,806 90,315 2,129 86,742 1,792 87,443 1,694 84,622 Thousands Million Rupees 7 132 7 149 8 157 7 158 7 150 7 157 Thousands Million Rupees 15,797 76,685 16,093 80,974 16,595 78,665 18,235 89,772 18,346 90,020 19,197 107,742 Thousands Million Rupees 43,755 9,969,482 42,848 12,543,330 40,873 10,252,605 47,091 12,427,461 46,884 12,472,014 52,538 14,278,573 Thousands Million Rupees 9,244 778,187 8,602 744,375 8,756 791,042 9,783 874,813 9,497 898,143 9,040 995,486 Thousands Million Rupees 20,005 2,028,993 18,905 2,120,866 17,916 1,945,522 21,780 2,306,277 21,777 2,341,467 27,529 3,197,455 Thousands Million Rupees 14,507 7,162,302 15,340 9,678,088 14,201 7,516,040 15,528 9,246,371 15,610 9,232,404 15,969 10,085,632 5,859 112,807 6,770 131,356 7,247 135,005 8,540 159,851 11,879 271,303 13,404 300,687 Thousands Million Rupees 244 4,407 289 5,126 312 5,412 430 6,673 733 45,041 843 57,267 Thousands Million Rupees 2,675 2,256 3,116 3,528 3,467 5,005 3,904 4,261 5,272 4,693 6,110 6,620 Thousands Million Rupees 1,583 51,352 1,806 59,320 1,875 59,756 2,275 71,964 3,191 110,294 3,579 122,695 Thousands Million Rupees 1,356 54,791 1,559 63,382 1,593 64,831 1,931 76,953 2,684 111,275 2,871 114,105 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 Thousands Million Rupees i. Payment Through Mobile Number of Transactions Amount ii. Utility Bills Payment Number of Transactions Amount iii. Intra Bank Fund Transfers Number of Transactions Amount vi. Inter Bank Fund Transfers (IBFT) Number of Transactions Amount 71
  47. 3 .37 Electronic Banking Statistics Product / Item FY18 Unit FY19 Q3 Q4 Q1 Q2 Q3 Q4 Thousands Million Rupees 68 2,131 68 2,023 74 2,190 72 2,361 66 2,264 64 2,360 Thousands Million Rupees 44 1,753 43 1,613 44 1,638 48 1,897 46 1,860 44 1,872 Thousands Million Rupees 17 203 19 269 24 354 18 260 14 212 13 233 Thousands Million Rupees 6 165 6 130 6 190 6 197 6 182 5 245 Thousands Million Rupees .. 10 .. 11 .. 8 .. 8 .. 10 .. 10 Thousands Million Rupees 8,368 332,765 8,904 376,359 9,001 369,514 10,201 444,199 8,639 362,259 11,874 546,210 Thousands Million Rupees 652 112,438 709 122,222 691 121,937 797 129,261 659 92,904 779 109,491 Thousands Million Rupees 3,027 7,715 3,039 8,981 3,262 12,085 3,428 15,003 2,800 15,009 3,063 21,596 Thousands Million Rupees 2,067 87,870 2,212 102,096 2,170 96,422 2,528 118,868 2,102 94,521 2,531 127,691 Thousands Million Rupees 2,621 124,743 2,944 143,059 2,878 139,070 3,448 181,067 3,078 159,825 5,501 287,432 807 4,446 948 5,056 1,164 5,726 1,456 6,957 1,335 5,686 1,702 7,720 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 Thousands Million Rupees Source: Payment System Department SBP Note: The format of Electronic Banking Statistics data has revised from Q1 FY17 3.38 Real Time Gross Settlement Systems and Paper Based Transactions (Volume in Actual & Value in Billion Rupees) FY18 Items FY19 Value Volume Value Q3 Volume Value Volume Value 16,681 61,497 14,686 68,555 16,498 68,242 15,807 73,885 16,681 61,497 Inter Bank Fund Transfers 441,006 23,806 593,034 25,389 635,351 26,316 567,597 29,691 441,006 23,806 Retails Cheques Clearing 15,896 3,957 14,092 3,456 16,292 3,764 15,563 3,523 15,896 3,957 473,583 89,260 621,812 97,400 668,141 98,322 598,967 107,100 473,583 89,260 Total Q2 Q4 Value Q1 Volume Securities Transactions Q4 Volume Paper Based Transactions (Volume in Million & Value in Billion Rupees) Cash Deposits 25.1 2,646.6 25.1 3,172.3 27.5 Cash withdrawals Intra Bank Funds Transfer through Cheques 35.6 3,152.4 13.7 14,948.1 38.4 3,428.1 13.2 17,932.0 Inter Bank Funds Transfers (Clearing) 12.9 Utilities Bills Payments 20.4 7,515.9 11.9 150.3 21.6 Direct Debit (Standing Instructions) 0.6 1,731.5 Pay Order/Demand Draft 3.6 Others* 0.2 112.0 Total 3,298.6 26.5 3,078.7 25.1 40.5 3,625.7 14.1 17,649.6 6,635.3 12.6 185.2 21.9 0.5 1,551.3 3,028.6 3.1 754.9 0.2 33,928.4 114.1 38.6 3,653.1 35.6 3,152.4 14.3 17,176.4 13.7 14,948.1 6,930.8 12.3 6,848.7 12.9 7,515.9 158.2 21.3 151.0 20.4 150.3 0.6 1,889.2 0.6 1,928.6 0.6 1,731.5 1,890.6 3.3 2,051.4 3.4 2,095.1 3.6 3,028.6 975.7 0.1 935.4 0.1 489.6 0.2 754.9 35,770.5 120.7 36,539.0 117.2 35,421.2 112.0 33,928.4 * Includes Telegraphic Transfers, Money Transfers, Dividend Warrants, and Coupon Payments etc. Note: The format of RTGS & Paper based Transactions data has revised from Q1 FY17 72 2,646.6 Source: Payment System Department SBP
  48. 3 .39 Segment and Sector-wise Advances and Non-Performing Loans (NPLs) (Amount in millions) Ratio in percent 2018 Q4 SEGMENT Advances Corporate Sector 2019 Q1 Infection Ratio NPLs Advances Q2 Infection Ratio NPLs Advances Q3 Infection Ratio NPLs Advances Infection Ratio NPLs 6,030,582 490,571 8.1 5,990,960 503,185 8.4 6,152,147 558,340 9.1 SMEs Sector 504,979 75,437 14.9 463,041 76,148 16.4 460,407 78,225 17.0 418,653 75,401 18.0 Agriculture Sector 324,291 54,687 16.9 324,845 52,373 16.1 334,857 71,606 21.4 336,589 70,464 20.9 Consumer sector 535,461 26,839 5.0 546,801 28,120 5.1 563,060 25,149 4.5 563,463 27,070 4.8 40,917 2,499 6.1 41,333 2,539 6.1 44,393 2,591 5.8 46,031 2,628 5.7 210,388 2,760 1.3 216,279 2,807 1.3 221,282 2,926 1.3 218,003 3,146 1.4 i. Credit Cards ii. Auto loans iii. Consumer durable 6,139,276 550,232 9.0 866 65 7.5 934 64 6.9 994 64 6.4 1,072 63 5.8 94,937 10,858 11.4 96,959 11,251 11.6 97,895 10,772 11.0 95,503 11,110 11.6 188,353 10,657 5.7 191,296 11,460 6.0 198,496 8,797 4.4 202,855 10,123 5.0 Commodity Financing 863,976 5,443 0.6 799,617 5,900 0.7 887,998 6,044 0.7 847,631 7,229 0.9 Staff Loans 126,997 2,037 1.6 131,338 1,701 1.3 139,397 1,927 1.4 154,499 2,005 1.3 Others 138,522 24,730 17.9 145,319 22,826 15.7 168,173 26,715 15.9 164,097 25,731 15.7 8,524,808 679,744 8.0 8,401,922 690,253 8.2 8,706,040 768,006 8.8 8,624,209 758,132 8.8 iv. Mortgage loans v. Other personal loans Total 2018 2019 Q4 SECTOR Advances Q1 Infection Ratio NPLs Advances Q2 Infection Ratio NPLs Advances Q3 Infection Ratio NPLs Advances Infection Ratio NPLs Agribusiness 690,985 57,576 8.3 685,009 55,396 8.1 728,838 73,960 10.1 694,793 72,087 10.4 Automobile / Transportation 129,666 15,820 12.2 135,644 16,217 12.0 141,559 16,728 11.8 169,657 17,086 10.1 Cement 166,962 5,059 3.0 174,886 4,040 2.3 172,784 3,725 2.2 177,056 4,316 2.4 Chemical & Pharmaceuticals 291,291 13,029 4.5 286,028 15,450 5.4 302,758 16,029 5.3 281,538 15,832 5.6 Electronics 117,303 16,260 13.9 123,567 18,430 14.9 117,175 19,598 16.7 119,468 20,174 16.9 Financial 228,482 9,928 4.3 229,393 11,180 4.9 229,576 11,110 4.8 244,187 11,039 4.5 Individuals 739,483 62,553 8.5 745,230 61,575 8.3 763,638 61,433 8.0 758,483 63,042 8.3 3,914 7 0.2 3,956 7 0.2 3,637 7 0.2 5,324 7 0.1 Others 3,297,259 232,109 7.0 3,124,184 233,350 7.5 3,406,462 248,759 7.3 3,359,639 258,574 7.7 Production/Transmission of Energy 1,434,622 38,786 2.7 1,408,329 42,596 3.0 1,450,842 85,428 5.9 1,468,946 56,672 3.9 Insurance Shoes & Leather garments 33,716 5,674 16.8 37,038 5,889 15.9 37,096 5,941 16.0 36,267 5,813 16.0 234,844 40,337 17.2 331,024 43,296 13.1 278,266 43,520 15.6 227,876 52,578 23.1 Textile 1,156,283 182,606 15.8 1,117,635 182,826 16.4 1,073,409 181,768 16.9 1,080,973 180,914 16.7 Total 8,524,808 679,744 8.0 8,401,922 690,253 8.2 8,706,040 768,006 8.8 8,624,209 758,132 8.8 Sugar Source: Financial Stability Department SBP 73
  49. 3 .40 Non-Performing Loans (Domestic and Overseas Operations) ( Million Rupees) Banks / DFIs Jun-19 NPLs Sep-19 Net NPLs Net NPLs to NPLs Net NPLs Net NPLs to Net Loans Net Loans (%) (%) All Banks & DFIs 782,960 170,788 2.1 773,804 153,298 1.9 All Banks 768,006 166,198 2.1 758,132 148,146 1.9 697,273 119,950 1.5 697,706 108,836 1.4 Public Sector Commercial Banks 226,097 27,453 1.8 243,554 42,259 2.8 Local Private Banks 468,338 92,667 1.5 451,363 66,792 1.1 2,838 (169) (0.2) 2,790 (215) (0.3) 70,733 46,248 33.2 60,426 39,310 28.7 14,954 4,590 5.4 15,671 5,152 6.0 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 2019 ended Sep 2019 All Banks & DFIs 23,572 16,437 All Banks 22,627 15,757 13,315 9,814 2,556 900 10,767 8,862 (8) 53 9,312 5,943 945 680 Commercial Banks Public Sector Commercial Banks Local Private Banks Foreign Banks Specialized Banks DFIs * Based on audited data submitted by the banks and DFIs. Source: Financial Stability Department SBP . “The data has been compiled as per revised methodology according to which unrealized mark- up does not become part of NPLs as it is kept in memorandum account. Besides, coverage of data has been enhanced by including overseas NPLs of Pakistan Banks having overseas branches in the total NPLs. Rescheduled and restructured NPLs are not excluded from the total NPLs unless they have become regular by meeting the criterion of one-year satisfactory performance. This condition however, will not apply in case the borrower has repaid or adjusted in cash at least 50% of the total restructured loan amount (principal + mark- up) either at the time of restructuring agreement or later on during the grace period if any. The cash recovery position represents recovery made against principal amount of domestic plus overseas NPLs.” 74