Statistics of The Banking System: State Bank of Pakistan

Quarterly Compendium:
Statistics of the Banking

System
[September 2013]
Covers:
Banking Industry
Islamic Banking
Development Finance Institutions
Off-site Supervision & Enforcement Department
State Bank of Pakistan
CONTENTS
Data Conventions................................................................................................................................................... 1
1.
Statistics of the Banking System .............................................................................................................. 2

Table 1.1: Key variables of Balance Sheet and Profit & Loss Statement .................................................. 3
Table 1.2: Growth Rates of Key Variables and Key Financial Soundness Indicators (FSIs) ....................... 3
Table 1.3: Group wise Balance Sheet and Income Statement of Banks ................................................... 4
Table 1.4: Financial Soundness Indicators ................................................................................................ 5
Table 1.5: Banks category-wise key variables .......................................................................................... 7
Table 1.6: Concentration in the Banking System ...................................................................................... 9
Asset Quality: ....................................................................................................................................................... 10

Table 1.7: Asset Quality Indicators of the Banking System..................................................................... 10
Table 1.8: Segment-wise Advances and Non Performing Loans (NPLs) ................................................. 12
Table 1.9: Sector-wise Advances and Non Performing Loans (NPLs) ..................................................... 12
Soundness & Resilience: .................................................................................................................................. 13
Table 1.10: Category-wise Profitability of the Banking System .............................................................. 13
Table 1.11: Category-wise Profitability Indicators of the Banking System ............................................. 13
Table 1.12: Break-up of Mark-up/Return/Interest Earned ..................................................................... 14
Table 1.13: Distribution of Banks by Capital Adequacy Ratio (CAR) ....................................................... 14
Table 1.14: Capital Structure and Capital Adequacy of All Banks and DFIs ............................................ 15
Table 1.15: Stress Testing Results of the Banking System ...................................................................... 16
Table 1.16: List of Banks.......................................................................................................................... 17
2.
Islamic Banking .......................................................................................................................................... 18

Table 2.1: Group-wise Balance Sheet and Income Statement of Islamic Banks/Branches .................... 19
Table 2.2: Financial Soundness Indicators of Islamic Banking ................................................................ 20
Table 2.3: List of Islamic Banking Institutions ......................................................................................... 21

3.
Development Finance Institutions ...................................................................................................... 22

Table 3.1: Balance Sheet and Income Statement of DFIs ....................................................................... 23
Table 3.2: Financial Soundness Indicators of DFIs .................................................................................. 24
Table 3.3: List of Development Finance Institutions .............................................................................. 25
For Queries & Comments:
Muhammad Javaid Ismail
[ javaid.ismail@sbp.org.pk ]
Muhammad Inaam Ashraf
[ inaam.ashraf@sbp.org.pk ]
Sadiq Ansari
[ sadiq.ansari@sbp.org.pk ]
Quarterly Compendium: Banking Statistics
Data Conventions
1. Figures for the calendar years (CY) are based on annual audited accounts for that year.
2. Figures for quarters (Mar, Jun, Sep, and Dec) are based on unaudited Quarterly Report
of Condition (QRC) submitted by banks/ DFIs.
1. Statistics of the Banking System
Table 1.1: Key variables of Balance Sheet and Profit & Loss Statement
Column1
Total Assets
Investments (net)
Advances (net)
Deposits
Equity
Profit Before Tax (ytd)
Profit After Tax (ytd)
Provisioning Charges (ytd)
Non-Performing Loans
Non-Performing Loans (net)
CY07
5,172
1,276
2,688
3,854
544
107
73
60
218
30
CY08
5,628
1,087
3,173
4,218
563
63
43
106
359
109
CY09
6,516
1,737
3,240
4,786
660
81
54
97
446
134
CY10
7,117
2,157
3,358
5,451
695
105
65
75
556
185
CY11
8,171
3,055
3,349
6,244
784
170
112
50
592
182
Sep-12
9,109
3,769
3,549
6,744
855
142
92
26
617
185
CY12
9,711
4,013
3,804
7,294
882
179
178
40
615
176
PKR billion
Jun-13 Sep-13
10,090 9,759
4,253 4,029
3,727 3,749
7,756 7,698
901
903
82
123
55
82
18
28
616
604
165
142
Note: Statistics of profits are on year-to-date (ytd) basis.
Table 1.2: Growth Rates of Key Variables and Key Financial Soundness Indicators
CY07 CY08 CY09

Growth Rates
YoY YoY YoY
Assets
18.8
8.8 15.8
Loans (Net)
10.7 18.0
2.1
Deposits
18.4
9.4 13.5
Investments (Net)
53.1 (14.8) 59.9
Equity
35.3
3.4 17.3
KEY FSIs:
CY07 CY08 CY09
Capital Adequacy Ratio
12.3 12.2 14.0
Capital to Total Assets
10.5 10.0 10.1
NPLs to Loans (Gross)
7.6 10.5 12.6
Net NPLs to Net Loans
1.1
3.4
4.1
ROA (Before Tax)
2.2
1.2
1.3
ROE^ (Before Tax)
22.6 11.4 13.2
Liquid Assets/ Total Deposits
45.1 37.7 44.5
Advances to Deposit Ratio
69.7 75.2 67.7
^ Based on Average Equity plus Surplus on Revaluation.
CY10
YoY
9.2
3.7
13.9
24.2
5.2
CY10
13.9
9.8
14.9
5.5
1.5
15.5
47.1
61.6
CY11
YoY
14.8
(0.3)
14.5
41.6
12.9
CY11
15.1
9.6
15.7
5.4
2.2
23.0
59.5
53.6
Sep-12
QoQ YoY
5.3 17.3
(0.7) 8.8
(0.9) 16.9
15.1 32.5
5.8 13.5
Sep-12
16.0
9.4
15.5
5.2
2.2
23.4
62.8
52.6
CY12
YoY
18.9
12.9
16.8
31.4
12.5
CY12
15.6
9.1
14.5
4.6
2.0
21.4
64.5
52.2
Jun-13
QoQ YoY
3.7 16.6
(0.1) 4.3
7.2 14.0
2.2 29.8
4.3 11.5
Jun-13
15.5
8.9
14.8
4.4
1.7
18.5
63.7
48.1
Percent
Sep-13
QoQ YoY
(3.3) 7.1
0.6 5.6
(0.7) 14.1
(5.3) 6.9
0.2 5.6
Sep-13
15.5
9.3
14.3
3.8
1.7
18.4
59.2
48.7
Table 1.3: Group wise Balance Sheet and Income Statement of Banks
September 30, 2013 (Un-audited)
PSCB
LPB
130,996
26,410
49,769
534,349
851,903
34,380
32,149
127,858
1,787,814
18,797
52,305
1,419,199
-
594,637
100,945
178,587
3,340,028
2,743,315
212,156
53,343
323,685
7,546,697
123,246
383,244
6,113,918
39,663
40,401
3,261
22,298
127,337
51,036
1,433
4,071
11,322
261,158
4,331
51,279
147,631
-
766,034
130,616
250,653
4,001,714
3,646,254
247,968
89,563
462,866
9,595,669
146,374
486,828
7,680,748
39,663
3,565
4,450
3,238
27,476
102,351
5,951
971
14,883
162,884
357
81,141
16,890
3,405
769,599
135,065
253,891
4,029,191
3,748,605
253,919
90,534
477,748
9,758,553
146,731
567,969
7,697,638
43,068
PKR million
Absolute change
QoQ
YoY
(27,486)
57,037
(3,029)
(9,485)
(82,488)
93,372
(223,917)
260,077
21,867
199,639
2,294
10,923
11,611
13,511
(30,578)
24,194
(331,726)
649,268
(12,330)
44,347
(266,572)
(404,356)
(58,020)
953,831
(10,071)
(13,134)
34
7,346
106,434
1,604,115
183,699
52,322
45,479
42,885
140,686
43,013
183,699
11,135
213,996
6,885,202
661,495
369,849
121,647
116,717
608,213
53,283
661,495
6
46
16,151
219,444
41,714
42,745
155
(1,048)
41,852
(137)
41,714
40
18,527
336,581
8,708,760
886,909
464,915
167,281
158,554
790,750
96,159
886,909
9
967
44,334
147,103
15,781
15,353
11,444
(18,028)
8,769
7,012
15,781
49
19,494
380,915
8,855,864
902,690
480,268
178,725
140,527
799,520
103,170
902,690
(7)
(3,280)
17,182
(333,098)
1,372
8,952
5,791
4,290
19,033
(17,661)
1,372
PROFIT AND LOSS STATEMENT
PSCB
LPB
Mark-Up/ Return/Interest Earned

Mark-Up/ Return/Interest Expenses
Net Mark-Up / Interest Income
Provisions & Bad Debts Written Off
Directly/(Reversals)
Net Mark-Up / Interest Income After
Provision
Fees, Commission & Brokerage Income
Dividend Income
Income From Dealing In Foreign Currencies
Other Income
Total Non - Markup / Interest Income
101,804
66,974
34,830
450,085
254,628
195,457
11,407
14,659
23,423
8,850
2,632
3,126
7,902
22,510
45,933
33,366
586
33,952
11,981
11,981
3,129
8,852
180,798
34,917
8,018
11,267
21,547
75,749
256,547
149,350
1,887
151,237
105,309
105,309
35,365
69,945
Financial Position
ASSETS
Cash & Balances With Treasury Banks
Balances With Other Banks
Lending To Financial Institutions
Investments - Net
Advances - Net
Operating Fixed Assets
Deferred Tax Assets
Other Assets
TOTAL ASSETS
LIABILITIES
Bills Payable
Borrowings From Financial Institution
Deposits And Other Accounts
Sub-ordinated Loans
Liabilities Against Assets Subject To Finance
Lease
Deferred Tax Liabilities
Other Liabilities
TOTAL LIABILITIES
NET ASSETS
NET ASSETS REPRESENTED BY:
Share Capital
Reserves
Unappropriated Profit
Share Holders' Equity
Surplus/Deficit On Revaluation Of Assets
TOTAL
Administrative Expenses
Other Expenses
Total Non-Markup/Interest Expenses
Profit before Tax and Extra ordinary Items
Extra ordinary/unusual Items - Gain/(Loss)
PROFIT/ (LOSS) BEFORE TAXATION
Less: Taxation
PROFIT/ (LOSS) AFTER TAX
FB
FB
12,526
5,759
6,767
(287)
7,054
1,061
438
222
1,721
8,775
5,792
67
5,859
2,917
2,917
1,135
1,782
CB
CB
SB
SB
All Banks
All Banks
Change (YoY)
(18,563)
(8,578)
(9,985)
564,415
327,360
237,055
10,448
3,424
7,025
574,863
330,784
244,079
25,779
1,964
27,743
211,275
44,828
10,650
14,832
29,670
99,980
311,255
188,508
2,540
191,048
120,207
120,207
39,628
80,579
5,061
33
177
3
3,072
3,283
8,344
5,920
(3)
5,917
2,427
1.81
2,425
917
1,508
216,336
44,860
10,827
14,834
32,742
103,263
319,599
194,428
2,537
196,966
122,634
1.81
122,632
40,545
82,087
(15)
140
20,748
601,559
47,709
20,393
28,513
2,404
51,310
(3,602)
47,709
1,582
(11,566)
6,404
(5,098)
(2,407)
3,370
2,270
(9,296)
11,237
(230)
11,006
(20,303)
-87847.00%
(19,424)
(9,022)
(10,403)
Table 1.4: Financial Soundness Indicators

Indicators
CAPITAL ADEQUACY
Risk Weighted CAR *
Public Sector Commercial Banks
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
Tier 1 Capital to RWA
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
ASSET QUALITY
NPLs to Total Loans
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
Provision to NPLs
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
Net NPLs to Capital
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
EARNINGS
Return on Assets (Before Tax)
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
Percent
Jun-13 Sep-13
CY07
CY08
CY09
CY10
CY11
Sep-12
CY12
16.1
11.8
14.6
12.8
-6.2
12.3
13.4
11.9
21.8
12.6
-4.9
12.2
15.1
13.9
23.0
14.5
-1.5
14.0
14.7
13.6
23.8
14.1
4.7
13.9
16.5
14.4
31.3
15.3
8.9
15.1
16.2
15.6
33.1
16.2
10.7
16.0
16.7
14.9
30.7
15.6
12.3
15.6
15.8
15.0
26.4
15.5
13.7
15.5
16.1
15.0
31.2
15.6
12.7
15.5
12.2
9.9
14.0
10.5
-12.5
10.0
10.9
10.0
21.3
10.6
-10.1
10.1
12.6
11.4
22.5
12.0
-5.8
11.6
12.2
11.4
23.5
12.0
-0.9
11.6
14.4
12.3
31.1
13.3
3.4
13.0
13.3
13.1
32.9
13.7
5.2
13.4
13.9
12.4
30.5
13.2
6.8
13.0
12.7
12.7
26.2
13.1
7.8
13.0
13.0
12.9
31.1
13.4
6.7
13.2
13.7
10.2
11.2
10.9
-5.4
10.5
10.7
10.0
14.5
10.3
-3.2
10.0
11.3
9.9
14.8
10.4
-1.7
10.1
11.7
9.3
14.8
9.9
1.2
9.8
10.6
9.2
16.7
9.7
5.4
9.6
10.8
8.8
18.4
9.4
7.7
9.4
10.3
8.6
16.5
9.1
8.3
9.1
9.6
8.5
16.3
8.9
10.5
8.9
10.3
8.8
16.0
9.2
9.7
9.3
8.4
6.5
1.6
6.7
34.3
7.6
16.3
8.7
2.9
9.9
28.8
10.5
16.9
11.1
6.7
12.1
25.5
12.6
22.9
12.5
9.5
14.5
28.7
14.9
21.1
13.8
10.4
15.3
30.1
15.7
19.5
13.8
11.3
15.1
29.2
15.5
16.9
13.3
13.4
14.1
27.6
14.5
17.1
13.5
11.3
14.3
30.7
14.8
16.9
13.0
11.2
13.9
28.8
14.3
89.0
88.5
157.0
89.1
68.6
86.1
66.9
70.2
81.9
69.3
72.4
69.6
67.8
71.0
75.2
70.1
65.7
69.9
52.4
73.2
86.6
66.9
63.4
66.7
58.2
74.6
89.3
69.9
59.1
69.3
58.2
75.4
88.7
70.5
61.9
70.0
62.8
75.2
94.0
72.0
61.3
71.5
65.2
77.8
95.9
74.5
53.2
73.2
69.7
80.4
97.3
77.5
59.4
76.5
1.0
0.8
-0.9
0.8
14.0
1.1
6.1
2.7
0.5
3.3
10.0
3.4
6.1
3.5
1.8
4.0
10.5
4.1
12.4
3.7
1.4
5.3
12.8
5.5
10.1
3.9
1.2
5.1
14.9
5.4
9.2
3.8
1.4
5.0
13.6
5.2
7.1
3.6
1.0
4.4
12.9
4.6
6.7
3.3
0.5
4.1
17.2
4.4
5.8
2.8
0.3
3.5
14.1
3.8
3.4
4.1
-4.1
3.7
30.3
15.9
1.6
17.9
27.4
17.4
4.4
18.8
5.6
19.4
20.4
48.8
18.9
2.6
25.0
26.7
41.8
17.1
1.9
21.6
23.1
39.5
16.1
2.1
20.3
21.6
32.2
15.9
1.4
18.7
1.0
19.9
31.0
13.7
0.7
16.7
18.3
26.9
11.8
0.4
14.4
15.7
3.5
2.0
1.5
2.3
1.4
2.2
0.6
1.3
0.0
1.1
3.2
1.2
1.5
1.3
-0.3
1.3
3.1
1.3
1.8
1.5
0.9
1.5
2.0
1.5
2.0
2.3
2.3
2.2
2.4
2.2
1.7
2.4
1.9
2.2
1.1
2.2
1.6
2.1
0.4
2.0
2.7
2.0
1.3
1.7
1.9
1.6
3.4
1.7
0.9
1.8
1.6
1.7
2.0
1.7
Table 1.4: Financial Soundness Indicators (Continued)

Indicators
EARNINGS
Return on Assets (After Tax)
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
ROE (Avg. Equity& Surplus) (Before Tax)
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
ROE (Avg. Equity &Surplus) (After Tax)
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
NII/Gross Income
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
Cost / Income Ratio
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
LIQUIDITY
Liquid Assets/Total Assets
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
Liquid Assets/Total Deposits
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
Advances/Deposits
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
Percent
Jun-13 Sep-13
CY07
CY08
CY09
CY10
CY11
Sep-12
CY12
2.5
1.4
0.7
1.6
0.7
1.5
0.5
0.9
0.3
0.8
1.8
0.8
1.3
0.9
(0.3)
0.9
1.2
0.9
1.3
0.9
0.4
0.9
1.2
1.0
1.4
1.5
1.5
1.5
1.6
1.5
1.2
1.5
1.0
1.5
0.7
1.4
1.2
1.4
(0.1)
1.3
1.8
1.3
0.9
1.1
1.2
1.1
2.2
1.1
0.6
1.2
1.0
1.1
1.2
1.1
27.2
20.4
13.1
21.8
22.6
5.2
12.9
0.0
10.6
11.4
13.3
13.2
(2.4)
12.4
13.2
15.2
15.6
5.8
15.0
15.5
18.0
24.7
14.5
22.7
23.0
15.9
26.7
10.9
23.5
23.4
15.6
24.1
2.2
21.2
1.0
21.4
13.3
20.1
11.2
18.2
18.5
8.8
21.6
9.5
18.4
18.4
19.5
13.8
6.0
15.0
15.4
4.4
8.5
2.2
7.3
7.8
11.4
8.6
(2.3)
8.6
8.9
11.2
9.3
2.7
9.4
9.6
12.2
16.1
9.5
14.9
15.1
11.1
17.3
5.5
15.3
15.3
11.2
15.9
(0.5)
14.0
4.0
14.2
9.0
13.4
7.4
12.2
12.4
6.5
14.4
5.8
12.3
12.3
65.9
70.7
59.1
69.2
42.8
68.2
65.4
73.2
61.3
71.2
46.6
70.3
63.0
75.9
64.8
73.3
44.7
72.4
69.1
77.2
67.6
75.4
51.0
74.7
69.4
77.9
72.2
76.2
67.3
76.0
65.5
73.1
69.6
71.8
62.6
71.6
64.1
73.0
69.0
71.3
63.7
71.1
60.4
72.0
78.1
70.1
66.4
70.0
60.7
72.1
79.7
70.3
69.2
70.3
30.2
45.4
57.0
42.8
53.2
43.2
39.1
51.6
69.6
50.0
52.1
50.1
47.5
50.1
77.5
50.9
61.3
51.2
49.1
52.5
65.2
52.4
61.3
52.7
49.9
50.8
59.3
50.9
60.4
51.1
55.3
51.2
58.3
52.1
62.6
52.4
55.4
52.6
75.8
53.8
62.4
54.1
56.5
56.1
66.8
56.4
56.6
56.4
59.2
55.8
69.0
56.7
59.4
56.8
37.0
32.5
41.6
33.8
27.9
33.6
30.6
26.8
45.2
28.3
24.5
28.2
31.1
32.3
55.0
32.9
19.8
32.7
34.6
35.7
64.6
36.4
19.6
36.1
40.9
46.2
68.6
45.9
23.5
45.5
33.6
49.5
66.7
47.0
19.8
46.5
38.0
50.8
69.4
48.8
23.7
48.4
37.0
51.7
72.7
49.4
24.1
49.0
33.8
49.4
73.3
47.1
21.4
46.7
47.1
42.9
61.1
44.3
247.7
45.1
38.9
35.0
71.6
37.1
229.4
37.7
40.1
43.4
82.4
44.0
167.1
44.5
43.5
45.8
96.4
46.8
149.4
47.1
51.3
59.5
104.3
59.1
202.0
59.5
45.3
65.4
99.0
62.5
212.6
62.8
49.4
66.5
108.0
64.1
214.0
64.5
45.1
66.5
140.8
63.4
218.4
63.7
42.5
61.0
129.7
58.9
206.3
59.2
60.0
70.1
75.2
73.8
507.3
69.7
68.4
75.1
68.9
73.6
577.0
75.2
65.2
66.6
56.1
66.0
560.8
67.7
58.0
61.3
42.0
60.1
491.5
61.6
55.2
52.0
39.6
52.3
540.1
53.6
62.7
49.0
40.0
51.3
693.6
52.6
60.9
48.8
37.4
50.9
556.9
52.2
54.3
45.0
40.7
46.8
556.9
48.1
60.0
44.9
34.6
47.5
606.0
48.7
* Data of IDBP,PPCBL, and SME is based on Basel I.
Table 1.5: Banks category-wise key variables

All Banks
CY07
CY08
CY09
CY10
CY11
Sep-12
CY12
Jun-13
PKR billion
Sep-13
Paid up Capital
248
281
325
358
405
460
428
471
Equity
544
563
660
695
784
855
882
901
903
Deposits
3,854
4,218
4,786
5,451
6,244
6,744
7,294
7,756
7,698
Liabilities
4,627
5,065
5,856
6,422
7,386
8,254
8,829
9,189
8,856
Advances (net of Provision)
2,688
3,173
3,240
3,358
3,349
3,549
3,804
3,727
3,749
Investments (net of Provisions)
1,276
1,087
1,737
2,157
3,055
3,769
4,013
4,253
4,029
Assets
5,172
5,628
6,516
7,117
8,171
9,109
9,711
10,090
9,759
Income
475
582
690
721
856
694
930
456
678
Expense
368
519
609
617
686
552
752
374
555
Profit bofore tax
107
63
81
105
170
142
178
82
123
73
43
54
65
112
92
118
55
82
Profit after tax
480

CY07
Paid up Capital
CY08
CY09
CY10
CY11
Sep-12
CY12
Jun-13
PKR million
Sep-13
16,671
18,544
21,339
34,030
41,414
43,510
61,284
47,059
52,322
Equity
142,270
111,986
139,219
159,790
166,172
180,359
188,541
183,177
183,699
Deposits
812,856
819,683
952,373
1,087,506
1,248,199
1,234,522
1,414,547
1,563,995
1,419,199
Liabilities
893,622
930,324
1,090,831
1,205,801
1,396,686
1,484,082
1,649,868
1,724,529
1,604,115
487,362
560,666
620,596
630,704
689,423
774,533
861,295
849,470
851,903
296,670
204,784
297,689
383,310
479,609
501,537
588,623
563,667
534,349
1,035,892
1,042,310
1,230,050
1,365,591
1,562,858
1,664,440
1,838,410
1,907,706
1,787,814
Income
90,970
103,421
119,979
108,949
121,753
123,774
168,541
84,907
124,314
Expense
57,748
96,855
103,218
131,722
151,113
103,729
140,935
72,907
112,333
Profit bofore tax
33,222
6,566
16,762
22,773
29,359
20,045
27,606
12,000
11,981
Profit after tax
23,851
5,644
14,372
16,798
19,833
13,969
19,803
8,091
8,852
Assets
Local Private Banks

PKR million
Sep-13
CY07
CY08
CY09
CY10
CY11
Sep-12
CY12
Jun-13
Paid up Capital
199,547
214,571
253,015
274,587
309,306
360,279
309,642
367,866
Equity
389,726
421,074
487,719
498,613
567,665
618,892
639,646
660,614
661,495
Deposits
2,909,310
3,236,220
3,655,994
4,188,181
4,810,209
5,334,157
5,702,710
6,046,280
6,113,918
Liabilities
3,446,053
3,799,764
4,417,543
4,875,191
5,635,806
6,435,762
6,826,456
7,109,656
6,885,202
2,039,623
2,429,934
2,435,792
2,568,695
2,499,799
2,612,632
2,784,738
2,723,378
2,743,315
936,764
847,045
1,373,082
1,679,542
2,442,332
3,145,335
3,312,668
3,549,227
3,340,028
3,835,779
4,220,838
4,905,262
5,373,804
6,203,471
7,054,654
7,466,101
7,770,270
7,546,697
Income
348,149
437,498
524,275
470,401
528,855
538,462
717,584
350,818
525,834
Expense
278,615
385,022
463,734
547,425
660,306
421,176
572,018
286,018
420,524
Profit bofore tax
69,530
52,477
60,541
77,024
131,451
117,285
145,566
64,801
105,309
Profit after tax
47,263
34,704
39,265
45,646
85,716
76,041
95,896
43,154
69,945

Assets
369,849
Table 1.5: Banks category-wise key variables (Continued)

Foreign Banks
CY07
CY08
CY09
CY10
CY11
Sep-12
CY12
Jun-13
PKR million
Sep-13
Paid up Capital
17,085
32,130
34,885
33,992
38,720
40,578
41,149
41,040
Equity
19,373
33,971
35,739
34,509
42,530
44,125
40,783
40,011
42,745
41,714
Deposits
117,561
147,938
160,936
156,331
167,870
161,080
158,703
127,023
147,631
Liabilities
219,444
153,339
200,590
205,297
198,745
212,744
195,041
205,908
205,834
88,455
101,921
90,325
65,628
66,411
64,355
59,322
51,639
51,036
26,427
22,593
52,373
79,809
113,382
98,934
85,519
113,150
127,337
Assets
172,711
234,562
241,037
233,253
255,274
239,166
246,690
245,845
261,158
Income
20,169
24,005
27,741
23,100
22,979
19,878
25,143
9,592
14,247
Expense
17,733
23,998
28,591
25,147
28,579
16,342
24,227
7,322
11,331
Profit bofore tax
2,435
(850)
2,046
5,601
3,535
916
2,270
2,917
Profit after tax
1,122
651
(809)
960
3,660
1,784
(227)
1,499
1,782
Specialized Banks
CY07
CY08
CY09
CY10
CY11
Sep-12
CY12
Jun-13
PKR million
Sep-13
Paid up Capital
14,849
15,506
15,507
15,507
15,508
15,508
15,508
15,351
15,353
Equity
(6,931)
(4,163)
(2,424)
1,791
7,990
11,605
13,239
17,515
15,781
Deposits
14,320
13,883
16,588
18,962
17,327
14,049
17,738
18,360
16,890
Liabilities
134,125
134,332
142,414
142,577
141,179
139,419
146,713
148,942
147,103
72,647
80,114
93,031
93,197
93,585
97,446
98,785
102,251
102,351
15,926
12,147
13,819
14,495
19,546
23,308
26,430
27,063
27,476
Assets
127,193
130,178
139,990
144,367
149,169
151,025
159,952
166,457
162,884
Income
15,943
17,039
17,612
14,063
12,022
12,306
19,053
10,790
13,732
Expense
14,272
12,888
13,392
16,909
15,540
11,115
14,962
7,732
11,307
1,671
4,151
4,220
2,846
3,518
1,191
4,091
3,058
2,425
875
2,317
1,617
1,665
2,388
695
2,760
2,138
1,508
Profit bofore tax

Profit after tax
Table 1.6: Concentration in the Banking System

Percent
Indicators
Top 5 Banks 6-10 Banks 11-20 Banks 21-28 Banks
FBs
SBs
Industry
Asset
Share of Total Assets
Share of Total Investments
of which investment in Government Securities
52.2
54.9
84.4
22.0
21.7
85.9
17.5
15.9
83.6
4.0
3.7
86.1
2.7
3.1
100.0
1.7
0.7
86.0
100
100
85
Advances
Advances:public
64.3
18.6
13.7
3.1
0.2
0.1
100.0
47.6
22.3
20.5
4.2
1.7
3.8
100.0
Sectoral Distribution of Loans

Corporate Sector
SMEs
Agriculture
Consumer Finance
Commodity Financing
Staff Loans
Others
Total
50.5
39.4
39.1
59.4
51.2
58.9
91.9
51.3
22.4
21.3
6.6
18.9
29.4
16.7
3.4
21.5
21.0
32.3
5.6
13.1
15.5
15.1
0.6
18.9
4.1
2.8
0.6
8.0
3.9
4.2
0.4
4.0
1.8
0.2
0.0
0.6
0.0
2.0
3.4
1.4
0.2
4.1
48.0
0.0
0.0
3.0
0.3
2.9
100.0
100.0
100.0
100.0
100.0
100.0
100.0
100.0
NPLs / Gross Loans

Net NPLs / Capital
12.1
5.6
16.2
36.7
16.8
31.1
11.9
15.3
11.2
0.4
28.8
91.4
14.3
15.7
53.7
51.0
55.0
35.7
36.1
87.0
22.7
18.3
24.1
32.0
35.5
4.0
17.6
22.6
15.5
27.9
24.7
4.0
3.9
5.4
3.4
3.5
3.2
1.3
1.9
2.6
1.7
0.5
0.2
3.8
0.2
0.1
0.3
0.4
0.3
0.0
100.0
100.0
100.0
100.0
100.0
100.0
16.7
13.9
10.5
53.8
12.7
9.6
6.4
18.6
12.4
11.8
7.5
18.6
19.3
19.7
11.3
3.9
31.2
31.1
16.0
2.5
12.7
6.7
9.7
2.5
15.5
13.2
9.3
100.0
72.2
70.8
29.2
6.4
14.3
70.5
29.5
12.0
9.5
65.4
34.6
7.0
-0.4
76.8
23.2
14.3
2.4
79.7
20.3
-3.4
2.0
68.1
31.9
19.0
100.0
70.3
29.7
8.0
48.0
59.2
46.7
46.5
57.1
46.3
42.4
53.6
52.1
42.5
54.5
51.2
73.3
129.7
34.6
21.4
206.3
606.0
46.7
59.2
48.7
Advances:private
Liabilities
Share of Total Deposits
Customer Fixed Deposits
Customer CASA
Customer Deposits others
Financial Institutions Remunerative Deposits
Financial Institutions Non-Remunerative Deposits
Capital Adequacy
Capital/RWA (Capital Adequacy Ratio)
Tier 1 Capital / RWA
Net Worth / Total Assets
Share of Risk Weighted Assets
Earning & Profitability
Profit/Loss (Before Tax)
Net Interest Income / Gross Income
Non-Interest Expense / Gross Income
Provision Expense to Gross Income
Liquidity
Liquid Assets / Total Assets
Liquid Assets / Total Deposits
Advances to deposits ratio
Asset Quality:
Table 1.7: Asset Quality Indicators of the Banking System
Banking System: Selected Indicators of Asset Quality
Advances
NPLs
Provision
Advances (net)
Net NPLs
CY07
CY08
CY09
CY10
CY11
Sep-12
CY12
Jun-13
PKR million
Sep-13
2,875,686
3,422,549
3,551,331
3,729,003
3,759,235
3,981,253
4,243,561
4,177,875
4,210,337
217,998
359,238
446,005
555,968
591,579
617,144
614,929
616,470
603,770
187,603
249,914
311,588
370,778
410,016
432,286
439,421
451,136
461,732
2,688,087
3,172,636
3,239,744
3,358,225
3,349,219
3,548,966
3,804,140
3,726,738
3,748,605
30,395
109,324
134,417
185,190
181,563
184,858
175,541
165,334
142,038
Sep-12
CY12
Jun-13
Banking System: Break up of Non Performing Loans (NPLs)

PKR million
CY07
OAEM
CY08
CY09
CY10
CY11
Sep-13
8,999
11,558
12,152
14,141
15,521
16,243
14,320
19,811
18,434
Sub Standard
36,520
78,503
63,905
53,030
50,262
54,496
46,060
48,541
44,461
Doubtful
24,248
67,877
77,809
68,665
58,346
51,655
54,847
40,598
38,254
Loss
148,233
201,301
292,138
420,132
467,450
494,750
499,702
507,520
502,621
Total
217,999
359,238
446,005
555,968
591,579
617,144
614,929
616,470
603,770
Sep-12
CY12
Jun-13
Banking System: Break up of Provisions against Advances (specific)

PKR million
CY07
OAEM
Sub Standard
Doubtful
CY08
715
743
9,366
17,490
CY09
CY10
CY11
Sep-13
13,666
11,787
9,669
11,555
9,172
8,927
9,044
12,454
29,782
32,386
31,255
20,196
19,478
19,978
16,625
17,014
Loss
144,173
185,746
251,691
311,391
364,059
384,339
393,684
407,546
410,766
Total
166,708
233,761
297,743
354,434
393,924
415,372
422,834
433,097
436,825
CY10
CY11
Sep-12
CY12
Jun-13
Category-wise Break up of Banks' Advances

PKR million
CY07
PSCBs
CY08
CY09
Sep-13
526,566
629,389
700,902
716,562
786,264
874,010
963,624
955,840
965,599
2,163,480
2,587,530
2,643,594
2,826,985
2,785,927
2,916,757
3,093,144
3,041,894
3,064,010
FBs
90,666
104,440
95,113
71,495
73,215
71,556
67,873
57,940
57,278
CBs
2,780,712
3,321,360
3,439,608
3,615,042
3,645,407
3,862,323
4,124,641
4,055,675
4,086,887
SBs
94,974
101,189
111,723
113,961
113,828
118,930
118,920
122,200
123,450
2,875,686
3,422,549
3,551,331
3,729,003
3,759,235
3,981,253
4,243,561
4,177,875
4,210,337
LPBs
Industry
10
Table 1.7: Asset Quality Indicators of the Banking System (Continued)
Category-wise Break up of Banks' Non Performing Loans (NPLs)

PKR million
CY07
CY08
CY09
CY10
CY11
Sep-12
CY12
Jun-13
Sep-13
PSCBs
44,054
102,656
118,400
163,786
166,289
170,786
163,057
163,153
163,182
LPBs
139,997
224,395
292,780
352,672
383,437
403,506
409,930
409,260
398,651
FBs
1,409
3,077
6,369
6,774
7,623
8,120
9,097
6,572
6,415
CBs
185,460
330,128
417,549
523,232
557,349
582,411
582,085
578,984
568,249
SBs
32,538
29,110
28,456
32,736
34,230
34,733
32,845
37,485
35,521
217,998
359,238
446,005
555,968
591,579
617,144
614,929
616,470
603,770
CY09
CY10
CY11
Sep-12
CY12
Jun-13
Sep-13
Industry
Category-wise Banks' Provisions

PKR million
CY07
CY08
PSCBs
39,204
68,723
80,305
85,858
96,840
99,477
102,329
106,371
113,696
LPBs
123,855
157,598
207,803
258,289
286,128
304,124
308,406
318,516
320,695
FBs
2,211
2,519
4,788
5,867
6,804
7,201
8,551
6,301
6,242
CBs
165,271
228,839
292,896
350,014
389,773
410,802
419,285
431,188
440,633
SBs
22,332
21,075
18,692
20,764
20,244
21,484
20,135
19,949
21,099
187,603
249,914
311,588
370,778
410,016
432,286
439,421
451,136
461,732
Industry
Category-wise Banks' Advances (net of provisions)

PKR million
PSCBs
LPBs
CY07
CY08
CY09
CY10
CY11
Sep-12
CY12
Jun-13
Sep-13
487,362
560,666
620,596
630,704
689,423
774,533
861,295
849,470
851,903
2,743,315
2,039,623
2,429,934
2,435,792
2,568,695
2,499,799
2,612,632
2,784,738
2,723,378
FBs
88,455
101,922
90,325
65,628
66,411
64,355
59,322
51,639
51,036
CBs
2,615,440
3,092,522
3,146,713
3,265,028
3,255,634
3,451,521
3,705,355
3,624,487
3,646,254
SBs
Industry
72,647
80,114
93,031
93,197
93,585
97,446
98,785
102,251
102,351
2,688,087
3,172,636
3,239,744
3,358,225
3,349,219
3,548,966
3,804,140
3,726,738
3,748,605
Category-wise Banks' Non Performing Loans-NPLs (net of provisions)

PKR million
CY07
CY08
CY09
CY10
CY11
Sep-12
CY12
Jun-13
Sep-13
PSCBs
4,850
33,934
38,095
77,928
69,448
71,309
60,729
56,782
49,486
LPBs
16,142
66,797
84,977
94,382
97,309
99,382
101,524
90,743
77,957
558
1,581
907
819
919
579
271
174
101,289
124,653
173,218
167,576
171,609
162,832
147,797
127,616
FBs
(803)
CBs
20,189
SBs
10,206
8,035
9,764
11,972
13,987
13,249
12,709
17,537
14,422
Industry
30,395
109,324
134,417
185,190
181,563
184,858
175,541
165,334
142,038
11
Table 1.8: Segment-wise Advances and Non Performing Loans (NPLs)

Sep-12
Advances NPLs
Corporate Sector
2,592.3 418.3
SMEs Sector
238.8
96.2
Agriculture Sector
196.6
37.3
Consumer sector
244.7
44.5
i. Credit cards
23.2
5.0
ii. Auto loans
44.6
4.8
iii. Consumer durable
0.1
0.1
iv. Mortgage loans
53.7
16.9
v. Other personal loans
123.1
17.7
Commodity financing
523.1
6.4
Staff Loans
83.1
1.5
Others
102.6
12.9
Total
3,981.3 617.1
Dec-12
Infection
Ratio
16.1
40.3
19.0
18.2
21.3
10.7
68.9
31.6
14.4
1.2
1.9
12.6
15.5
Advances NPLs
2,760.1 419.0
276.7
95.7
203.5
29.6
250.3
43.7
23.2
5.0
45.3
4.7
0.1
0.1
53.0
16.6
128.6
17.4
512.8
5.9
84.5
1.6
108.4
11.8
4,196.3 607.2
Jun-13
Infection
Ratio
15.2
34.6
14.5
17.5
21.5
10.3
71.7
31.4
13.5
1.1
1.9
10.8
14.5
Advances NPLs
2,698.3 425.9
244.2
90.1
213.9
39.6
262.4
40.8
21.9
3.6
51.2
4.4
0.1
0.1
51.9
16.1
137.4
16.7
565.5
5.8
85.1
1.2
108.5
13.0
4,177.9 616.5
amount in PKR billion, ratio in percent

Sep-13
Infection
Ratio
15.8
36.9
18.5
15.6
16.4
8.6
68.3
31.1
12.1
1.0
1.4
12.0
14.8
Advances NPLs
2,746.2 414.5
235.9
91.3
221.7
39.0
271.8
40.1
22.4
3.6
54.3
4.4
0.2
0.1
53.1
15.7
141.8
16.3
527.7
5.1
86.1
1.2
121.0
12.6
4,210.3 603.8
Infection
Ratio
15.1
38.7
17.6
14.8
16.3
8.0
47.4
29.5
11.5
1.0
1.4
10.4
14.3
Table 1.9: Sector-wise Advances and Non Performing Loans (NPLs)
Sep-12
Advances
Agribusiness
352.5
Automobile/Transportation
53.1
Cement
64.0
Chemical & Pharmaceuticals
160.1
Electronics
52.6
Financial
72.0
Individuals
334.5
Insurance
0.6
Others
1,677.4
Production/Transmission of Energy
488.8
Shoes & Leather garments
22.3
Sugar
97.8
Textile
605.5
Total
3,981.3
NPLs
39.9
11.0
18.0
15.1
24.5
9.6
54.3
0.0
203.9
18.8
3.1
11.3
207.4
617.1
Dec-12
Infection
Ratio
11.3
20.7
28.2
9.4
46.6
13.3
16.2
3.9
12.2
3.9
13.9
11.6
34.3
15.5
Advances
354.3
56.3
58.4
150.1
57.0
81.7
333.3
0.3
1,783.3
492.8
23.7
105.6
699.3
4,196.3
NPLs
32.3
11.1
17.1
14.9
23.9
8.5
54.1
0.0
205.8
18.3
3.0
10.9
207.2
607.2
Jun-13
Infection
Ratio
9.1
19.8
29.3
9.9
41.9
10.5
16.2
0.2
11.5
3.7
12.8
10.3
29.6
14.5
Advances
364.1
58.1
53.8
151.7
53.9
106.2
341.9
0.2
1,764.2
443.3
24.4
134.3
681.8
4,177.9
NPLs
42.3
12.9
15.9
15.5
24.8
8.1
49.7
0.0
207.8
19.9
3.0
7.1
209.5
616.5
amount in PKR billion, ratio in percent

Sep-13
Infection
Ratio
11.6
22.2
29.5
10.2
46.0
7.6
14.5
0.4
11.8
4.5
12.1
5.3
30.7
14.8
Advances
359.2
64.0
55.2
148.9
51.9
105.3
353.5
0.5
1,814.7
455.0
24.5
108.0
669.6
4,210.3
NPLs
41.5
10.6
15.4
14.6
24.5
8.1
49.7
0.0
205.8
15.0
3.0
6.9
208.6
603.8
Infection
Ratio
11.6
16.6
27.9
9.8
47.2
7.7
14.1
0.2
11.3
3.3
12.1
6.4
31.1
14.3
12
Soundness & Resilience:

Table 1.10: Category-wise Profitability of the Banking System
PKR billion
CY07
CY08
CY09
CY10
CY11 Sep-12
CY12 Jun-13 Sep-13
PSCBs
33.2
6.6
16.8
22.8
29.4
20.0
27.6
12.0
12.0
LPBs
69.5
52.5
60.5
77.0
131.5
117.3
145.6
64.8
105.3
FBs
2.4
0.0
(0.9)
2.0
5.6
3.5
0.9
2.3
2.9
CBs
105.2
59.0
76.5
101.8
166.4
140.9
174.1
79.1
120.2
SBs
1.7
4.2
4.2
2.8
3.5
1.2
4.1
3.1
2.4
106.9
63.2
80.7
104.7
169.9
142.1
178.2
82.1
122.6
PSCBs
23.9
5.6
14.4
16.8
19.8
14.0
19.8
8.1
8.9
LPBs
47.3
34.7
39.3
45.6
85.7
76.0
95.9
43.2
69.9
FBs
1.1
0.6
(0.8)
1.0
3.7
1.8
(0.2)
1.5
1.8
CBs
72.2
41.0
52.8
63.4
109.2
91.8
115.5
52.7
80.6
SBs
0.9
2.3
1.6
1.7
2.4
0.7
2.8
2.1
1.5
73.1
43.3
54.4
65.1
111.6
92.5
118.2
54.9
82.1
Profit Before Tax
All Banks
Profit After Tax
All Banks
Table 1.11: Category-wise Profitability Indicators of the Banking System

Percent
CY07 CY08 CY09 CY10 CY11 Sep-12 CY12 Jun-13 Sep-13
Before Tax ROA
PSCBs
3.5
0.6
1.5
1.8
LPBs
2.0
1.3
1.3
1.5
FBs
1.5
0.0 -0.3
0.9
CBs
2.3
1.1
1.3
1.5
SBs
1.4
3.2
3.1
2.0
All Banks
2.2
1.2
1.3
1.5
Before Tax ROE (based on Equity plus Surplus on Revaluation)
PSCBs
27.2 5.2 13.3 15.2
LPBs
20.4 12.9 13.2 15.6
FBs
13.1 0.0 -2.4
5.8
CBs
21.8 10.6 12.4 15.0
SBs
All Banks
22.6 11.4 13.2 15.5
2.0
2.3
2.3
2.2
2.4
2.2
1.7
2.4
1.9
2.2
1.1
2.2
1.6
2.1
0.4
2.0
2.7
2.0
1.3
1.7
1.9
1.6
3.4
1.7
0.9
1.8
1.6
1.7
2.0
1.7
18.0
24.7
14.5
22.7
23.0
15.9
26.7
10.9
23.5
23.4
15.6
24.1
2.2
21.2
1.0
21.4
13.3
20.1
11.2
18.2
18.5
8.8
21.6
9.5
18.4
18.4
13
Table 1.12: Break-up of Mark-up/Return/Interest Earned
amount in PKR billion, share in percent

CY11
Sep-12
CY12
Jun-13
Sep-13
Items
Amount % Amount % Amount % Amount
%
Amount
%
Loans & advances
423.5
56.6
317.9
53.6
420.9
53.1 195.7
50.5 287.4
50.0
Investments
297.8
39.8
260.5
43.9
350.4
44.2 183.3
47.3 273.1
47.5
Deposits, repo and others
26.4
3.5
15.0
2.5
21.1
2.7
8.3
2.1
14.4
2.5
Total
747.7 100.0
593.4 100.0
792.3 100.0 387.3 100.0 574.9 100.0
Table 1.13: Distribution of Banks by Capital Adequacy Ratio (CAR)
Less than 10
10 to 15
Over 15
Total
CY07 CY08 CY09 CY10 CY11 Sep-12 CY12 Jun-13 Sep-13

9
9
6
5
5
5
5
5
5
12
10
15
13
10
8
9
11
11
18
21
19
20
23
25
24
22
22
39
40
40
38
38
38
38
38
38
14
Table 1.14: Capital Structure and Capital Adequacy of All Banks and DFIs
PKR million
All Banks
and DFIs
Equity
1.1
Fully Paid-up Capital/Capital Deposited with SBP
1.2
Balance in Share Premium Account
1.3
Reserve for issue of Bonus shares
1.4
General Reserves as disclosed on the Balance Sheet
(including statutory reserve)
1.5
Un-appropriated/Unremitted profits (net of
accumulated losses, if any)
1.6
Sub-Total (1.1 to 1.5)
Deductions
1.7
Goodwill
1.8
Shortfall in Provisions required against Classified
assets
1.9
Deficit on account of revaluation of AFS investment
1.10
Any increase in equity capital resulting from a
securitization transaction
1.11 Investments in TFCs of other banks
1.12
Other Deductions
1.13 Sub-Total (1.7 to 1.12)
1.14
Total Eligible Tier 1 capital(1.6 less 1.13)
Supplementary Capital
2.1
Freely available General Provisions or reserves for
loan losses-upto maximum of 1.25% of Risk
Weighted Assets
2.2
Revaluation reserves eligible upto 45%
2.3
Foreign Exchange Translation Reserves
2.4
Undisclosed reserves
2.5
Subordinated debt-upto maximum of 50% of total
equity
2.6
Total Tier 2 Supplementary Capital(2.1 to 2.5)
Deductions
2.7
Other deductions
2.8
Total Deductions
2.9
Total eligible tier 2 capital
2.10 Eligible tier 3
2.11 Total Supplementary Capital eligible for
MCR(maximum upto 100% of Total Equity)
2.13 TOTAL CAPITAL (1.14 plus 2.9)
Risk Weighted Amounts
3.1
Total Credit Risk Weighted Assets
3.2
Total Market Risk Weighted Assets
3.3
Total Operational Risk Assets
3.4
Total Risk Weighted Amount
Capital Adequacy Ratios
4.1
Credit Risk Capital Adequacy Ratio
4.2
Tier 1 capital to Total Risk Weighted Amount
4.3
Total Capital Adequacy Ratio
Other Deductins from Tier 1 and Tier 2 Capital
5.1
Investments in equity and other regulatory capital of
majority owned securities or other financial
subsidiaries not consolidated in the balance sheet
5.2
Significant minority investments in banking,
securities and other financial entities
5.3
Equity holdings (majority or significant minority) in
an insurance subsidiary(para 1.1 scope of
Application)
5.4
Significant minority and majority investments in
commercial entities exceeding 15% of Bank,s Capital
5.5
Securitization exposure subject to deduction (para
4.3.1 of instructions)
5.6
Others
5.7
Total Deductible Items to be deducted 50% from
Tier 1 capital and 50% from Tier 2 capital ( 5.1 to
5.6)
PSCBs
LPB
FB
SB
534,502
(40,262)
(263)
52,322
12,000
(263)
375,673
(52,262)
-
179,774
25,192
136,310
142,787
818,737
42,885
132,135
114,988
576,908
42,173
1,374
40,458
278
1,667
3,121
1,006
1,552
1,436
114
188
243
6,193
18,886
73,022
745,886
538
2,964
5,882
126,253
243
2,295
14,202
61,096
515,813
15,713
56,810
38,904
(10)
All Banks
DFIs
42,745
-
15,353
-
486,092
(40,262)
(263)
48,409
-
155
11,444
173,100
6,674
(18,028)
8,769
138,797
759,664
3,990
59,073
42,110
64
199
1,667
2,828
293
580
41,271
91
119
8,822
243
2,834
17,256
67,676
692,159
3,359
1,630
5,345
53,727
(1,048)
41,852
2,960
22,278
8,551
-
10,978
30,000
30,353
(10)
152
-
1,437
3,308
-
29,030
138,178
33,789
25,826
97,147
152
3,204
5,680
29,030
136,767
1,411
18,886
18,886
121,561
2,964
2,964
30,825
14,202
14,202
82,945
152
91
91
7,859
17,256
17,256
121,780
1,630
1,630
(219)
121,561
867,447
30,825
157,078
82,945
598,758
152
41,423
7,859
16,680
121,780
813,940
(219)
53,508
4,097,790
436,380
803,606
5,337,776
771,675
71,218
130,491
973,384
3,060,642
334,035
609,816
4,004,493
89,808
11,346
31,521
132,675
112,938
394
17,621
130,954
4,035,063
416,993
789,449
5,241,506
21.2%
14.0%
16.3%
20.4%
13.0%
16.1%
19.6%
12.9%
15.0%
46.1%
31.1%
31.2%
14.8%
6.7%
12.7%
30,392
4,356
25,073
182
6,211
1,572
2,311
15,526
55,586
38,904
(10)
20.2%
13.2%
15.5%
187
1,224
-
62,727
19,387
14,156
96,270
85.3%
55.8%
55.6%
29,611
782
3,883
2,328
534
384
384
150
635
635
635
910
910
910
28,403
37,772
5,927
182
34,512
3,260
15
Table 1.15: Stress Testing Results of the Banking System

Shock Details
< 0%
1
Pre-Shock Position
C-1
C-2
C-3
C-4
C-5
C-6
C-7
C-8
C-9
C-10
C-11
Credit Shocks
Nature of Shock
10% of performing loans become non-performing, 50% of substandard loans

downgrade to doubtful, 50% of doubtful to loss.
Default of top 3 private sector individual borrowers (fund based exposures only) of the
banks.
Default of top 3 private sector Individuals (both fund based and non-fund based
exposures) of the banks.
All NPLs under substandard downgrade to doubtful and all doubtful downgrade to loss.
Hypothetical
Increase in provisions against NPLs equivalent to 25% of Net NPLs.

Increase in NPLs to Loans Ratio (NPLR) equivalent to the maximum quarterly increase in
NPLs to Loans Ratio of the individual banks during the last 5 years.
Increase in NPLs of all banks by 21% which is equivalent to the maximum quarterly
increase in NPLs of the banking system during the last 5 years (Mar-09).
Increase in NPLs to Loans Ratio of Textile Sector of the banks equivalent to the
maximum quarterly increase in these banks during the last 3 years.
Increase in NPLs to Loans Ratio of Consumer Sector of the banks equivalent to the
maximum quarterly increase in these banks during the last 3 years.
Increase in NPLs to Loans Ratio of Agriculture & SME Sector of the banks equivalent to
the maximum quarterly increase in these banks during the last 3 years.
Critical Infection Ratio (The ratio of NPLs to Loans where capital would wipe out)
Hypothetical
Hypothetical
Hypothetical
Hypothetical
Historical
Historical
Historical
Historical
Historical
IR-2
IR-3
ER-1
ER-2
ER-3
EQ-1
EQ-2
Parallel upward shift in the yield curve - increase in interest rates by 300 basis points
along all the maturities.
Upward shift coupled with steepening of the yield curve by increasing the interest rates
along 3m, 6m, 1y, 3y, 5y and 10y maturities equivalent to the maximum quarterly
increase experienced during the last 4 years (July-08).
Downward Shift plus flattening of the yield curve by decreasing the interest rates along
3m, 6m, 1y, 3y, 5y and 10y maturities equivalevent to the maximum quarterly increase
experienced during the last 4 years (April-09).
Depreciation of Pak Rupee exchange rate by 30%.
Depreciation of Pak Rupee exchange rate by 14.5% equivalent to the quarterly high
depreciation of rupee against dollar experienced during the last 4 years (May08-Aug08).
Appreciation of Pak Rupee exchange rate by 3.2% equivalent to the quarterly high level
of appreciation of rupee against dollar experienced during the last 4 years (Oct08Jan09).
Fall in general equity prices by 41.4% (Oct08-Jan09).
Fall in general equity prices by 50%.
Hypothetical
L-1
L-2
Withdrawal of Wholesale Deposits and Unsecured Borrowings by 25%, 50%, and 100%
for three consecutive days respectively.
0% > 8%
8% > 10%
> 10%
25
25
24
33
32
32
32
33
33
33
NPLR
Critical NPLR Difference
14.21%
51.75%
37.54%
Number of Banks with CAR
< 0%
0% > 8%
8% > 10%
> 10%
32
32
34
33
33
33
Historical
Historical
Hypothetical
Historical
Historical
Historical
Hypothetical
Liquidity Shocks
Withdrawal of customer deposits by 2%, 5%, 10%, 10% and 10% for five consecutive
days respectively.
< 0%
Hypothetical
Market Shocks
IR-1
Number of Banks with CAR*

0% > 8% 8% > 10%
> 10%
2
1
33
Hypothetical
Hypothetical
1
1
2
1
33
2
1
33
No. of Banks with no liquidity after
3 Days
4 Days
5 Days
0
1 Day
2 Days
3 Days
Number of Banks with

LCR<1
LCR>2
L-3
Shock to Liquidity Coverage Ratio Applying 20% haircut to the value of Investments in
Government Securities*
Hypothetical
* Excluding IDBL.
16
Table 1.16: List of Banks

Sep-12
A. Public Sector Com. Banks (5)
First Women Bank Ltd.
National Bank of Pakistan
Sindh Bank Ltd.
The Bank of Khyber
The Bank of Punjab
CY12
Sindh Bank Ltd.
The Bank of Khyber
The Bank of Punjab
Jun-13
Sindh Bank Ltd.
The Bank of Khyber
The Bank of Punjab
Sep-13
Sindh Bank Ltd.
The Bank of Khyber
The Bank of Punjab
B. Local Private Banks (22)

AlBaraka Bank (Pakistan) Ltd.
Allied Bank Ltd.
Askari Bank Ltd.
Bank AL Habib Ltd.
Bank Alfalah Ltd.
BankIslami Pakistan Ltd.
Burj Bank Ltd.
Dubai Islamic Bank Pakistan Ltd.
Faysal Bank Ltd.
Habib Bank Ltd.
Habib Metropolitan Bank Ltd.
JS Bank Ltd.
KASB Bank Ltd.
MCB Bank Ltd.
Meezan Bank Ltd.
NIB Bank Ltd.
SAMBA Bank Ltd.
Silk Bank Ltd
Soneri Bank Ltd.
Standard Chartered Bank (Pakistan) Ltd.
Summit Bank Ltd (formerly Arif Habib Bank)
United Bank Ltd.

Allied Bank Ltd.
Askari Bank Ltd.
Bank AL Habib Ltd.
Bank Alfalah Ltd.
Burj Bank Ltd.
Faysal Bank Ltd.
Habib Bank Ltd.
JS Bank Ltd.
KASB Bank Ltd.
MCB Bank Ltd.
Meezan Bank Ltd.
NIB Bank Ltd.
SAMBA Bank Ltd.
Silk Bank Ltd
Soneri Bank Ltd.
United Bank Ltd.

Allied Bank Ltd.
Askari Bank Ltd.
Bank AL Habib Ltd.
Bank Alfalah Ltd.
Burj Bank Ltd.
Faysal Bank Ltd.
Habib Bank Ltd.
JS Bank Ltd.
KASB Bank Ltd.
MCB Bank Ltd.
Meezan Bank Ltd.
NIB Bank Ltd.
SAMBA Bank Ltd.
Silk Bank Ltd
Soneri Bank Ltd.
United Bank Ltd.

Allied Bank Ltd.
Askari Bank Ltd.
Bank AL Habib Ltd.
Bank Alfalah Ltd.
Burj Bank Ltd.
Faysal Bank Ltd.
Habib Bank Ltd.
JS Bank Ltd.
KASB Bank Ltd.
MCB Bank Ltd.
Meezan Bank Ltd.
NIB Bank Ltd.
SAMBA Bank Ltd.
Silk Bank Ltd
Soneri Bank Ltd.
United Bank Ltd.
C. Foreign Banks (7)

Bank of Tokyo - Mitsubishi UFJ, Ltd.
Barclays Bank PLC
Citibank N.A.
Deutsche Bank AG
HSBC Bank Milldle East Ltd.
Industrial and Commercial Bank of China
Ltd. Bank Oman S.A.O.G.
HSBC

Barclays Bank PLC
Citibank N.A.
Deutsche Bank AG
HSBC

Barclays Bank PLC
Citibank N.A.
Deutsche Bank AG
HSBC

Barclays Bank PLC
Citibank N.A.
Deutsche Bank AG
HSBC
D. Specialized Banks (4)

Industrial Development Bank of Pakistan
Punjab Provincial Co-operative Bank Ltd.
SME Bank Ltd.
Zarai Taraqiati Bank Ltd.
Industrial Development Bank Ltd. #

SME Bank Ltd.

SME Bank Ltd.

SME Bank Ltd.
All Commercial Banks (34)

Include A + B + C
All Banks (38)
Include A + B + C + D

Include A + B + C
All Banks (38)

Include A + B + C
All Banks (38)

Include A + B + C
All Banks (38)
#The name of Industrial Development Bank of Pakistan was changed to Industrial Development Bank Ltd. with effect from November 13, 2012.
17
2. Islamic Banking
18
Table 2.1: Group-wise Balance Sheet and Income Statement of Islamic

Banks/Branches
PKR million
Financial Position
ASSETS
Due from Financial Institutions
Investments - Net
Financing - Net
Deferred Tax Assets
Other Assets
TOTAL ASSETS
LIABILITIES
Bills Payable
Due to Financial Institution
Sub-ordinated Loans
Liabilities Against Assets Subject To Finance Lease
Other Liabilities
TOTAL LIABILITIES
NET ASSETS
NET ASSETS REPRESENTED BY: Share Capital
Reserves
Surplus/Deficit On Revaluation Of Assets
TOTAL
PROFIT AND LOSS STATEMENT
Mark-Up Income
Mark-Up Expenses
Net Mark-Up Income
Provisions & Bad Debts Written Off Directly/(Reversals)
Net Mark-Up Income After Provision
Dividend Income
Income From Dealing In Foreign Currencies
Other Income
Total Non - Markup Income
Total Income
Other Expenses
Total Non-Markup Expenses
Profit before Tax and Extra ordinary Items
Extra ordinary/unusual Items -- Gain/(Loss)
PROFIT/ (LOSS) BEFORE TAXATION
Less: Taxation
PROFIT/ (LOSS) AFTER TAX
Islamic
Banks
Islamic
Banking
Branches
Islamic
Banking
Institutions
Absolute change
40,143
9,088
23,184
279,885
167,640
12,597
3,363
59,093
594,994
21,390
13,757
6,849
165,594
97,886
5,778
19,834
331,089
61,533
22,845
30,033
445,479
265,526
18,376
3,363
78,927
926,083
QoQ
(1,661)
(7,051)
9,618
6,724
4,760
512
176
9,893
22,972
YoY
18,957
281
10,106
71,498
68,653
2,192
631
11,994
184,312
12,035
20,015
506,630
15,493
554,173
40,821
3,542
12,885
268,783
21
20,883
306,114
24,975
15,578
32,899
775,413
21
36,376
860,287
65,796
5,708
2,367
4,468
7
9,020
21,570
1,402
6,670
12,602
147,553
(0)
(54)
12,798
179,569
4,743
10,399
13
13,642
24,053
922
24,975
Islamic
Banking
Branches
49,784
2,238
12,818
64,841
954
65,796
Islamic
Banking
19,464
11,031
8,433
574
7,859
1,193
86
139
476
1,894
9,752
5,997
161
6,158
3,594
3,594
116
3,478
52,769
30,111
22,658
1,812
20,846
3,021
437
812
1,769
6,039
26,885
19,788
298
20,086
6,799
6,799
1,197
5,602
39,386
2,226
(824)
40,788
33
40,821
Islamic
Banks
33,305
19,080
14,225
1,238
12,987
1,828
351
673
1,293
4,146
17,132
13,791
137
13,928
3,204
3,204
1,081
2,124
957
195
173
1,325
77
1,402
Absolute
change
2,801
806
2,698
6,305
(1,563)
4,743
YoY
1,769
647
1,122
370
752
761
(113)
53
51
752
1,504
2,618
(211)
2,406
(902)
(902)
(250)
(652)
19
Table 2.2: Financial Soundness Indicators of Islamic Banking

Percent
Dec-09 Dec-10 Dec-11 Sep-12 Dec-12 Jun-13 Sep-13
Capital
Total Capital to Total RWA*
18.5
16.8
18.0
17.4
15.3
15.4
14.9
Tier 1 Capital to Total RWA*
18.4
16.3
17.2
16.7
14.7
14.8
14.4
11.4
9.7
8.7
8.2
7.6
7.1
7.1
NPFs to Total Financing
6.3
7.3
7.6
9.0
7.6
7.1
7.0
Net NPFs to Net Financing
3.1
3.2
2.9
3.5
2.7
2.5
2.3
51.7
58.6
63.0
63.7
66.5
66.1
69.4
ROA before Tax
0.7
0.6
1.9
1.5
1.4
1.0
1.0
ROA after Tax
0.6
0.6
1.6
1.2
1.2
0.8
0.9
ROE before Tax
5.9
5.9
20.8
17.6
16.8
13.6
14.1
ROE after Tax
4.6
5.2
17.3
14.3
14.1
11.1
11.6
Net Mark-Up Income to Gross Income
79.4
78.5
82.4
80.3
80.1
79.1
79.0
Non Mark-Up Income to Gross Income
20.6
21.5
17.6
19.7
19.9
20.9
21.0
Operating Expense to Gross Income
70.3
72.6
60.4
65.9
67.3
71.7
70.0
54.3
46.2
38.4
31.4
32.7
33.8
34.2
Asset Quality
Provision to NPFs
Earnings
Liquidity
Financing to Deposits
*Ratio pertains to Islamic Banks only
20
Table 2.3: List of Islamic Banking Institutions

As of June 30, 2013
Islamic Banks
As of September 30, 2013

Islamic Banks
1 AlBaraka Bank (Pakistan) Ltd.
1 AlBaraka Bank (Pakistan) Ltd.
2 BankIslami Pakistan Ltd.
2 BankIslami Pakistan Ltd.
3 Burj Bank Ltd.
3 Burj Bank Ltd.
4 Dubai Islamic Bank Pakistan Ltd
4 Dubai Islamic Bank Pakistan Ltd
5 Meezan Bank Ltd

Conventional Banks having Islamic Banking
Branches
1 Askari Bank Ltd.
5 Meezan Bank Ltd

Conventional Banks having Islamic Banking
Branches
1 Askari Bank Ltd.
2 Bank Al Habib Ltd
2 Bank Al Habib Ltd
3 Bank Alfalah Ltd
3 Bank Alfalah Ltd
4 Faysal Bank Ltd.
4 Faysal Bank Ltd.
5 Habib Bank Ltd
5 Habib Bank Ltd
6 Habib Metropolitan Bank
6 Habib Metropolitan Bank
7 MCB Bank Ltd
7 MCB Bank Ltd
8 National Bank of Pakistan
8 National Bank of Pakistan
9 Soneri Bank Ltd
9 Soneri Bank Ltd
10 Standard Chartered Bank
10 Standard Chartered Bank
11 The Bank of Khyber
11 The Bank of Khyber
12 The Bank of Punjab
12 The Bank of Punjab
13 United Bank Ltd.
13 United Bank Ltd.
14 Silk Bank Ltd
14 Silk Bank Ltd
Grand Total 19 (5+14)
Grand Total 19 (5+14)
21
3. Development Finance Institutions
22
Table 3.1: Balance Sheet and Income Statement of DFIs

PKR million
Financial Position
ASSETS
Lending To Financial Institutions
Investments - Net
Advances - Net
Deferred Tax Assets
Other Assets
TOTAL ASSETS
LIABILITIES
Bills Payable
Borrowings From Financial Institution
Sub-ordinated Loans
Liabilities Against Assets Subject To
Finance Lease
Other Liabilities
TOTAL LIABILITIES
NET ASSETS
NET ASSETS REPRESENTED BY: Share Capital
Reserves
Surplus/Deficit On Revaluation Of
Assets
TOTAL
OPERATING POSITION
Mark-Up/ Return/Interest Earned
Mark-Up/ Return/Interest Expenses
Net Mark-Up / Interest Income
Provisions & Bad Debts Written Off
Directly/(Reversals)
Net Mark-Up / Interest Income After
Provision
Dividend Income
Income From Dealing In Foreign
Currencies
Other Income
Total Non - Markup / Interest Income
Total Income
Other Expenses
Total Non-Markup/Interest Expenses
Profit before Tax and Extra ordinary
Items
Extra ordinary/unusual Items -Gain/(Loss)
Profit/ (Loss) Before Taxation
Less: Taxation
Profit/ (Loss) after Taxation
CY09
CY10
CY11
Sep-12
CY12
Jun-13
Sep-13
Absolute change
QoQ
YoY
1,716
6,713
12,085
62,102
41,416
3,098
1,277
3,786
132,193
1,740
2,866
8,720
64,115
45,234
2,974
1,098
5,500
132,248
50,306
15,856
-
2,341
1,423
2,909
81,379
46,547
2,930
1,193
5,103
143,825
64,885
12,074
-
421
2,691
1,710
92,511
47,588
2,947
1,154
5,297
154,319
68,876
14,571
-
519
3,601
2,198
79,065
45,988
4,545
3,345
1,164
140,426
58,165
13,510
-
513
2,518
5,534
75,773
43,726
3,329
1,116
4,710
137,218
50,610
15,578
-
411
2,441
5,987
73,040
43,839
3,514
1,279
5,011
135,522
53,587
10,317
-
(103)
(77)
453
(2,732)
113
185
163
302
(1,696)
2,977
(5,261)
-
(11)
(250)
4,277
(19,470)
(3,750)
567
125
(285)
(18,797)
(15,289)
(4,254)
-
47,269
7,250
342
54,860
15
637
6,757
73,571
58,677
48,343
7,272
2,116
57,732
19
669
6,899
84,546
59,279
48,409
7,454
2,513
58,375
12
934
7,975
92,367
61,952
48,627
6,111
5,532
60,271
11
8,181
898
80,764
59,662
48,409
6,638
2,501
57,548
8
914
9,956
77,066
60,153
48,627
6,226
3,048
57,901
7
894
9,511
74,316
61,206
48,627
6,674
4,277
59,578
(1)
(21)
(445)
(2,750)
1,054
448
1,229
1,677
(6)
(40)
1,537
(18,052)
(745)
562
(1,256)
(693)
1,891
56,751
945
58,677
904
59,279
1,681
61,952
2,114
59,662
2,252
60,153
1,629
61,206
(623)
1,054
(52)
(745)
CY09
CY10
CY11
12,592
6,720
5,872
13,942
7,318
6,625
15,202
8,030
7,172
11,271
6,714
4,557
14,928
8,524
6,403
3,133
1,238
941
230
3,975
2,739
191
423
5,386
148
484
6,231
124
854
4,327
70
700
2,428
108
1,036
2,842
36
338
4,309
83
1,096
20
844
1,479
4,217
2,647
62
2,709
(483)
1,194
1,343
6,729
2,977
166
3,144
(160)
534
1,352
7,583
3,102
1,905
5,007
81
1,126
1,978
6,305
2,324
206
2,529
148
1,329
2,620
5,049
3,397
399
3,796
29
1,087
1,491
4,333
1,724
(33)
1,692
145
1,747
3,070
7,379
2,683
(10)
2,672
64
621
1,093
1,075
359
(216)
143
1,508
3,586
2,576
3,775
1,253
2,642
4,707
932
(25)
1,533
630
904
3,586
1,690
1,896
2,576
1,690
886
3,775
1,096
2,679
1,253
1,500
(248)
2,642
608
2,034
4,707
1,007
3,700
932
(89)
1,021
51,522
18,074
30
2
5,814
75,442
56,751
Sep-12
CY12
Jun-13
5,814
3,148
2,667
(175)
Sep-13
8,464
4,487
3,977
(332)
Change
YoY
(2,807)
(2,227)
(579)
(562)
(18)
12
396
23
Table 3.2: Financial Soundness Indicators of DFIs

Percent
CY07
CY08 CY09 CY10 CY11 Sep-12 CY12 Jun-13 Sep-13
Total Capital to Total RWA
43.7
53.4
52.5
56.1
56.9
56.0
54.8
54.6
55.6
Tier 1 Capital to Total RWA
44.0
53.3
52.4
56.5
57.4
56.3
54.9
54.7
55.8
41.0
47.1
42.9
44.4
41.2
40.1
42.5
43.8
45.2
Capital
Asset Quality
NPLs to Total Loans
0.0
20.8
27.0
27.1
29.9
29.3
32.5
31.8
31.6
31.3
4.6
11.2
10.1
14.8
14.4
18.6
14.7
13.7
13.7
Provision to NPLs
81.6
65.9
69.8
59.4
59.4
52.7
63.1
65.5
65.0
Net NPLs to Capital
3.2
8.4
7.4
11.4
11.3
14.3
11.3
10.0
9.8
Earnings
0.0
ROA before Tax
0.8
1.5
1.3
2.7
1.9
3.4
0.9
3.8
4.5
ROA after Tax
-0.1
0.7
0.8
1.4
0.6
2.4
-0.2
2.9
3.6
ROE before Tax
2.2
3.4
2.9
6.2
4.4
8.3
2.1
8.7
10.3
ROE after Tax
-0.3
1.6
1.7
3.3
1.5
5.9
-0.4
6.7
8.1
Net Interest Income to Gross Income
44.7
34.8
79.9
83.1
84.1
69.7
71.0
64.1
56.4
Operating Expense to Gross Income
39.1
22.7
36.9
39.5
58.7
38.7
42.1
40.7
37.9
Liquidity
0.0
Loans to Deposits
281.4
622.9 229.2 285.3 385.5
326.6 340.4 280.7
424.9
Liquid Assets/Total Assets
29.3
31.2
42.9
37.2
Liquid Assets/Total Deposits
287.3
547.3 262.4 271.6 480.6
35.9
32.6
40.3
39.5
37.9
453.9 410.7 333.8
488.6
24
Table 3.3: List of Development Finance Institutions
As of June 30, 2013
As of September 30, 2013
1. House Building Finance Company Ltd.
1. House Building Finance Company Ltd.
2. PAIR Investment Company Ltd.
2. PAIR Investment Company Ltd.
3. Pak Brunei investment Company Ltd.
3. Pak Brunei investment Company Ltd.
4. Pak Libya Holding Company Ltd.
4. Pak Libya Holding Company Ltd.
5. Pak Oman Investment Company Ltd.
5. Pak Oman Investment Company Ltd.
6. Pak-China Investment Company Ltd.
6. Pak-China Investment Company Ltd.
7. Pakistan Kuwait Investment Company Ltd.
7. Pakistan Kuwait Investment Company Ltd.
8. Saudi Pak Industrial & Agricultural Investment Company Ltd.
8. Saudi Pak Industrial & Agricultural Investment Company Ltd.
25

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Quarterly Compendium:

Statistics of the Banking

Off-site Supervision & Enforcement Department

State Bank of Pakistan

Statistics of the Banking System .............................................................................................................. 2

Asset Quality: ....................................................................................................................................................... 10

Islamic Banking .......................................................................................................................................... 18

Table 2.3: List of Islamic Banking Institutions ......................................................................................... 21

Development Finance Institutions ...................................................................................................... 22

For Queries & Comments:

Muhammad Javaid Ismail

Muhammad Inaam Ashraf

Quarterly Compendium: Banking Statistics

Quarterly Compendium: Banking Statistics

1. Statistics of the Banking System

Quarterly Compendium: Banking Statistics

Note: Statistics of profits are on year-to-date (ytd) basis.

CY07 CY08 CY09

Quarterly Compendium: Banking Statistics

PROFIT AND LOSS STATEMENT

Mark-Up/ Return/Interest Earned

Quarterly Compendium: Banking Statistics

Table 1.4: Financial Soundness Indicators

Quarterly Compendium: Banking Statistics

Table 1.4: Financial Soundness Indicators (Continued)

* Data of IDBP,PPCBL, and SME is based on Basel I.

Quarterly Compendium: Banking Statistics

Table 1.5: Banks category-wise key variables

Advances (net of Provision)

Investments (net of Provisions)

Profit bofore tax

Profit after tax

Public Sector Commercial Banks

Advances (net of Provision)

Investments (net of Provisions)

Profit bofore tax

Profit after tax

Local Private Banks

Advances (net of Provision)

Profit bofore tax

Profit after tax

Investments (net of Provisions)

Quarterly Compendium: Banking Statistics

Table 1.5: Banks category-wise key variables (Continued)

Advances (net of Provision)

Investments (net of Provisions)

Profit bofore tax

Profit after tax

Advances (net of Provision)

Investments (net of Provisions)

Profit bofore tax

Quarterly Compendium: Banking Statistics

Table 1.6: Concentration in the Banking System

Top 5 Banks 6-10 Banks 11-20 Banks 21-28 Banks

Sectoral Distribution of Loans

NPLs / Gross Loans

Quarterly Compendium: Banking Statistics

Banking System: Selected Indicators of Asset Quality