Statistics of The Banking System: Quarterly Compendium

Quarterly Compendium:
Statistics of the
Banking System
[ March 2011]
State Bank of Pakistan
Important Note
As communicated in our last Quarterly Performance Review of the banking system
(QPR) of December 2010, QPR has now been replaced by the bi-annual Financial
Stability Reviews (FSRs). However, we will continue to disseminate key banking
statistics on quarterly basis. For the March and September quarters, detailed statistics
will be posted on the SBP website in the form of a Quarterly Compendium. For the June
and December quarters, only Financial Soundness Indicators will be posted as rest of
the banking statistics, along with our analysis, will be available in the bi-annual FSR for
the respective half-year. The next FSR, to be published in November 2011, will analyze
the developments during January-June 2011.
CONTENTS
1.
Statistics of the Overall Banking System ............................................................................................. 1

1.1: Key variables of Balance Sheet and Profit & Loss Statement ......................................................... 2
1.2: Growth Rates of Key Variables and Key Financial Soundness Indicators (FSIs) .............................. 2
1.3: Group wise Balance Sheets and Income Statements of Banks ....................................................... 3
1.4: Financial Soundness Indicators* ..................................................................................................... 4
1.5: Banks category-wise key variables ................................................................................................. 6
1.6: Concentration in the Banking System ............................................................................................. 8
Asset Quality: ............................................................................................................................................... 9

1.7: Asset Quality Indicators of the Banking System.............................................................................. 9
1.8: Segment-wise Advances and Non Performing Loans (NPLs)* ...................................................... 11
1.9: Sector-wise Advances and Non Performing Loans (NPLs)* ........................................................... 11
Soundness & Resilience: ............................................................................................................................ 12
1.10: Category-wise Profitability of the Banking System ..................................................................... 12
1.11: Category-wise Profitability Indicators of the Banking System .................................................... 12
1.12: Break-up of Mark-up/Return/Interest Earned ............................................................................ 13
1.13: Distribution of Banks by Capital Adequacy Ratio (CAR) .............................................................. 13
1.14: Capital Structure and Capital Adequacy of All Banks and DFIS ................................................... 14
1.15: Stress Testing Results of the Banking System ............................................................................. 15
1.16: List of Banks................................................................................................................................. 16
2.
Islamic Banking ................................................................................................................................... 17

2.1: Group-wise Balance Sheets and Income Statements of Islamic Banks/Branches ........................ 18
2.2: Financial Soundness Indicators of Islamic Banking* ..................................................................... 19
2.3: List of Islamic Banks ...................................................................................................................... 20
3.
Development Finance Institutions..................................................................................................... 21

3.1: Balance Sheets and Income Statements of DFIs ........................................................................... 22
3.2: Financial Soundness Indicators of DFIs ......................................................................................... 23
3.3: List of Development Finance Institutions...................................................................................... 24
For Queries & Comments:
Nizamuddin Arshad
[ Nizamuddin@sbp.org.pk ]
Farrukh Bashir
[ Farrukh.bashirsatti@sbp.org.pk ]
Ghulam Khadija
[ Ghulam.Khadija@sbp.org.pk ]
Muhammad Shamil Akbar
[ Muhammad.shamil@sbp.org.pk ]
Quarterly Compendium: March 2011
1. Statistics of the Overall Banking System
Table 1.1: Key variables of Balance Sheet and Profit & Loss Statement
CY04 CY05 CY06 CY07

Total Assets
3,043 3,660 4,353 5,172
Investments (net)
679
800
833 1,276
Advances (net)
1,574 1,991 2,428 2,688
Deposits
2,393 2,832 3,255 3,854
Equity
202
292
402
544
Profit Before Tax (ytd)
52
94
124
107
Profit After Tax (ytd)
35
63
84
73
Provisioning Charges (ytd)
11
19
22
60
Non-Performing Loans
200
177
177
218
Non-Performing Loans (net)
59
41
39
30
Note: The statistics of profits and provision charges are on year-to-date (ytd) basis.
CY08
5,628
1,087
3,173
4,218
563
63
43
106
359
109
CY09 Mar-10
6,516
6,435
1,737
1,787
3,240
3,170
4,786
4,774
660
660
81
29
54
18
97
15
446
457
134
133
billion Rupees
Dec-10 Mar-11*
7,138
7,190
2,142
2,285
3,349
3,335
5,450
5,421
697
697
111
39
65
25
70
14
548
574
182
191
Table 1.2: Growth Rates of Key Variables and Key Financial Soundness Indicators (FSIs)
CY04
CY07
CY08
CY08
CY09
Mar-10
Dec-10
Percent
Mar-11
Growth Rates
YoY
YoY
YoY
YoY
YoY
QoQ
QoQ YoY QoQ YoY
Assets
19.7
18.8
8.8
8.8
15.8
(1.4)
7.7
9.3
0.7 11.7
Loans (Net)
42.1
10.7
18.0
18.3
2.1
(2.4)
5.7
3.1
(0.4) 5.2
Deposits
21.9
18.4
9.4
9.4
13.5
(0.3)
8.5 13.9
(0.5) 13.5
Investments (Net)
(13.6)
53.1
(14.8) (15.4)
59.9
1.9 14.3 22.2
6.7 27.9
Equity
44.5
35.3
3.4
3.4
17.3
(0.2)
6.3
5.4
0.0
5.6
KEY FSIs:
CY04
CY07 CY08 CY08 CY09 Mar-10
Dec-10
Mar-11
Capital Adequacy Ratio
10.5
12.3
12.2
12.3
14.0
13.7
14.0
13.6
Capital to Total Assets
6.7
10.5
10.0
10.0
10.1
10.3
9.8
9.7
NPLs to Loans (Gross)
11.6
7.6
10.5
10.5
12.6
13.1
14.7
15.4
Net NPLs to Net Loans
3.8
1.1
3.4
3.4
4.1
4.2
5.4
5.7
ROA (Before Tax)
1.9
2.2
1.2
1.2
1.3
1.8
1.7
2.2
ROE^ (Before Tax)
30.5
22.6
11.4
11.4
13.2
17.8
16.7
22.4
Liquid Assets/ Total Deposits
46.5
45.1
37.7
38.2
44.5
43.7
45.9
47.3
Advances to Deposit Ratio
65.8
69.7
75.2
75.5
67.7
66.4
61.4
61.5
^ Based on Average Equity plus Surplus on Revaluation
Note: Growth rates for Dec-10 and Mar-11 are based on quarterly basis
Table 1.3: Group wise Balance Sheets and Income Statements of Banks
(March 31, 2011)
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
PROFIT AND LOSS STATEMENT
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
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
million Rupees
Absolute change
QoQ
YoY
PSCB
LPB
FB
CB
SB
All Banks
126,516
40,853
12,473
384,143
633,314
32,063
22,051
100,094
1,351,507
398,431
95,638
137,831
1,802,769
2,540,368
187,456
51,218
239,464
5,453,175
34,471
2,184
44,770
79,571
68,957
2,108
5,670
7,157
244,887
559,418
138,675
195,073
2,266,483
3,242,639
221,627
78,939
346,715
7,049,568
2,636
8,768
200
18,653
92,493
5,025
466
12,027
140,268
562,054
147,443
195,273
2,285,135
3,335,132
226,652
79,405
358,742
7,189,836
2,589
(37,763)
(23,873)
143,305
(13,659)
2,425
6,857
(27,698)
52,182
94,951
(38,645)
(15,923)
498,454
165,211
(16,525)
15,054
52,545
755,122
9,508
76,031
1,027,260
124
3,512
81,676
1,198,112
153,395
67,109
423,406
4,215,698
50,633
16
8,320
186,171
4,951,354
501,821
6,018
19,498
162,884
10
161
20,774
209,346
35,541
82,636
518,935
5,405,842
50,633
150
11,993
288,622
6,358,812
690,757
274
81,730
14,856
3,405
19
175
33,093
133,552
6,716
82,910
600,666
5,420,698
54,039
169
12,168
321,714
6,492,363
697,473
9,692
50,101
(29,268)
(458)
5
550
21,236
51,857
324
17,080
27,856
646,349
2,370
49
1,178
23,119
718,000
37,122
34,030
42,415
51,600
128,045
25,350
153,395
278,499
132,029
50,008
460,535
41,286
501,821
34,115
126
1,547
35,788
(247)
35,541
346,644
174,569
103,155
624,368
66,389
690,757
15,507
8,281
(21,592)
2,196
4,520
6,716
362,152
182,850
81,563
626,565
70,908
697,473
(16,489)
18,562
(5,325)
(3,252)
3,577
324
17,315
23,621
(2,077)
38,858
(1,737)
37,122
PSCB
LPB
FB
All Banks
Change (YoY)
137,886
72,452
65,434
11,764
53,670
8,586
1,716
4,256
4,232
18,790
72,460
41,054
574
41,628
30,833
30,833
11,254
19,578
5,896
2,991
2,905
136
2,769
428
1,094
(571)
952
3,721
2,380
12
2,392
1,328
1,328
464
864
177,558
95,475
82,083
14,021
68,062
11,452
2,320
6,014
5,293
25,079
93,141
53,292
644
53,936
39,205
1.19
39,204
13,861
25,343
24,387
10,384
14,003
(658)
14,661
397
562
1,793
(1,557)
1,195
15,856
6,441
(176)
6,264
9,591
(463.59)
10,055
2,705
7,350
30,077
18,281
11,797
1,630
10,167
2,405
506
664
764
4,339
14,506
7,931
56
7,987
6,519
6,519
2,122
4,397
CB
173,859
93,723
80,136
13,530
66,605
11,419
2,223
6,014
4,426
24,082
90,687
51,365
643
52,007
38,680
38,680
13,840
24,839
SB
3,699
1,751
1,947
490
1,457
33
97
1
867
997
2,454
1,927
2
1,929
525
1.19
524
20
504
Table 1.4: Financial Soundness Indicators*

Percent
Indicators
2004
2005
2006
2007
2008**
2009
Mar-10 Dec-10
Mar-11
CAPITAL ADEQUACY
Risk Weighted CAR ***
Public Sector Commercial Banks
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
13.4
10.1
17.4
11.4
(9.0)
10.5
14.5
10.6
16.4
11.9
(7.7)
11.3
15.2
12.7
15.0
13.3
(8.3)
12.7
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
13.7
13.8
22.4
14.1
(0.1)
13.7
13.9
13.9
24.6
14.2
4.7
14.0
13.2
13.5
25.0
13.8
7.2
13.6
Tier 1 Capital to RWA

Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
8.6
7.5
17.1
8.6
(15.0)
7.6
8.8
8.3
16.1
9.1
(13.6)
8.3
11.1
10.4
14.3
10.8
(13.3)
10.0
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
11.6
11.4
22.0
11.8
(5.3)
11.4
10.7
12.0
24.3
12.1
(0.9)
11.8
10.9
11.4
24.7
11.7
1.4
11.4

Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
8.7
6.5
8.9
7.2
(9.4)
6.7
12.6
7.0
9.5
8.4
(8.1)
7.9
12.2
9.2
10.1
9.9
(8.0)
9.4
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
11.1
10.2
14.0
10.5
(0.9)
10.3
11.1
9.4
14.8
9.9
2.4
9.8
11.3
9.2
14.5
9.8
4.8
9.7
ASSET QUALITY
NPLs to Total Loans
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
13.3
9.0
1.6
9.0
54.1
11.6
10.0
6.4
1.2
6.7
46.0
8.3
9.0
5.2
1.0
5.7
39.1
6.9
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
17.6
11.6
7.3
12.7
24.2
13.1
22.9
12.2
9.8
14.3
28.4
14.7
23.6
13.0
9.1
15.0
27.6
15.4
Provision to NPLs
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
77.0
69.9
101.9
72.4
64.9
70.4
86.8
76.4
145.9
80.4
64.8
76.7
84.5
78.7
191.7
81.5
64.1
77.8
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
68.0
72.1
78.1
71.0
68.1
70.9
54.1
72.6
86.5
66.9
64.2
66.7
51.2
73.4
87.0
66.6
67.6
66.7

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
3.4
2.9
(0.0)
2.7
29.3
3.8
1.5
1.6
(0.6)
1.4
23.1
2.1
1.5
1.1
(1.0)
1.1
18.7
1.6
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
6.4
3.5
1.7
4.0
9.3
4.2
12.0
3.7
1.4
5.2
12.5
5.4
13.1
3.8
1.3
5.6
11.0
5.7
16.2
24.3
(0.2)
19.0
29.2
5.5
13.0
(3.0)
9.0
14.3
6.4
7.1
(5.1)
6.2
9.7
3.4
4.1
(4.1)
3.7
5.6
30.3
15.9
1.6
17.9
19.4
27.4
17.4
4.4
18.8
20.4
28.8
17.2
4.1
18.8
20.2
49.9
18.6
4.4
24.6
26.1
54.2
19.3
4.4
26.2
27.4
2.4
1.7
2.5
2.0
(0.4)
1.9
3.3
2.7
3.6
2.9
(1.0)
2.8
4.0
3.1
3.2
3.2
(1.3)
3.1
3.5
2.0
1.5
2.3
1.4
2.2
1.9
1.9
0.1
1.8
2.0
1.8
1.8
1.7
0.3
1.6
2.4
1.7
1.9
2.3
0.3
2.2
1.0
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
* Source: FSIs are prepared on the basis of annual audited accounts except for quarter ended Mar-10, Jun-10, Sep-10 and Dec-10 which are based on
unaudited Quarterly Report of Condition (QRC) submitted by banks.
** Statistics for 2008 has been restated on the basis of audit for the year 2009.
*** Data of IDBP,PPCBL, and SME is based on Basel I.
Financial Soundness Indicators* contd:

Percent
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
2004
1.3
1.2
2.0
1.3
(0.8)
1.2
2005
2.2
1.8
2.5
2.0
(1.2)
1.9
2006
2.7
2.1
2.1
2.2
(1.8)
2.1
2007
2008**
2009
Mar-10 Dec-10
Mar-11
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
1.2
0.1
1.2
0.1
1.1
0.9
1.0
0.1
1.0
1.5
1.0
1.3
1.4
0.1
1.4
1.0
1.4
30.8
28.8
26.7
29.0
30.5
30.7
40.1
38.9
37.2
38.2
32.4
36.2
30.0
34.7
35.2
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
16.7
18.8
0.7
17.4
17.8
16.3
16.8
2.7
16.2
16.7
17.1
24.4
2.7
22.4
22.4
Specialized Banks
All Banks
17.2
20.2
21.5
19.6
20.3
20.9
27.2
27.1
25.4
25.8
21.7
25.0
20.4
23.7
23.8
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
11.3
11.7
0.4
11.0
11.1
8.7
10.1
1.5
9.5
9.8
11.6
15.5
1.5
14.4
14.4
NII/Gross Income
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
63.7
62.0
57.7
61.9
81.9
62.8
71.3
73.0
61.5
71.3
87.7
72.0
69.5
73.5
65.8
72.1
40.1
70.9
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
68.5
75.8
72.2
74.4
57.8
74.0
67.6
77.3
69.3
75.3
52.1
74.7
73.1
77.7
75.3
76.9
66.1
76.6
Cost / Income Ratio

Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
39.5
56.2
49.0
51.7
57.8
52.0
34.3
43.1
42.2
41.2
47.8
41.5
31.8
40.7
49.8
39.4
62.6
40.3
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
47.4
51.2
68.0
51.2
76.2
51.8
48.1
53.3
63.8
52.8
59.1
53.0
49.5
49.4
62.0
49.9
65.5
50.3
LIQUIDITY
Liquid Assets/Total Assets
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
43.9
34.3
39.8
37.0
25.3
36.6
35.6
32.4
41.8
33.9
25.8
33.7
33.9
31.1
41.0
32.2
23.0
31.9
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
29.7
32.2
58.2
32.8
15.5
32.4
31.8
35.0
65.5
35.3
20.1
35.0
31.6
35.8
62.5
36.0
19.2
35.7
Liquid Assets/Total Deposits

Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
52.6
42.3
53.4
45.7
154.1
46.5
44.7
40.3
57.9
42.7
183.2
43.5
42.6
40.6
61.1
42.0
205.4
42.7
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
38.0
42.7
88.3
43.4
148.9
43.7
39.7
45.1
97.9
45.5
161.4
45.9
41.6
46.3
94.0
46.9
181.4
47.3
Advances/Deposits
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
49.7
67.3
70.1
63.6
370.5
65.8
59.8
70.8
68.7
68.4
400.7
70.2
64.6
74.5
80.1
72.7
528.4
74.6
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
63.9
65.4
51.2
64.6
669.3
66.4
57.7
61.2
47.6
59.9
526.6
61.4
61.7
60.3
47.6
60.0
622.6
61.5
Specialized Banks
All Banks
ROE (Avg. Equity & Surplus) (After Tax)
Local Private Banks
Foreign Banks
Commercial Banks
* Source: FSIs are prepared on the basis of annual audited accounts except for quarter ended Mar-10, Jun-10, Sep-10 and Dec-10 which are based on
unaudited Quarterly Report of Condition (QRC) submitted by banks.
** Statistics for 2008 has been restated on the basis of audit for the year 2009.
*** Data of IDBP,PPCBL, and SME is based on Basel I.
Table 1.5: Banks category-wise key variables

All Banks
billion Rupees
Paid up Capital
Equity
Deposits
Liabilities
Advances
Investments
Assets
Income
Expense
Profit bofore tax
Profit after tax
* Un-audited results.
CY04
98
202.38
2,393.15
2,840.60
1,574.45
679.46
3,042.98
168
115.88
52
35
CY05
106
292.38
2,831.86
3,367.20
1,990.58
800.23
3,659.58
271
176.89
94
63
CY06
168
402.41
3,255.01
3,950.51
2,427.72
833.38
4,352.92
385
261.61
124
84
CY07
248
544.44
3,854.05
4,627.14
2,688.09
1,275.79
5,171.58
475
368.37
107
73
CY08
281
562.88
4,217.72
5,065.01
3,172.64
1,086.57
5,627.89
582
518.76
63
43
CY09
325
660.25
4,785.89
5,856.09
3,239.74
1,736.96
6,516.34
690
608.93
81
54
Dec-10*
379
697
5,450
6,441
3,349
2,142
7,138
731
619
111
65
CY04
7,945
56,856
544,817
596,167
270,884
176,159
653,023
34,660
20,437
14,223
7,952
CY05
9,773
92,712
578,060
631,739
345,514
188,088
724,450
52,968
30,328
22,640
15,379
CY06
12,278
102,043
665,642
734,145
429,716
179,883
836,189
73,519
41,961
31,558
21,192
CY07
16,671
142,270
812,856
893,622
487,362
296,670
1,035,892
90,970
57,748
33,222
23,851
CY08
18,544
111,986
819,683
930,324
560,666
204,784
1,042,310
103,421
96,855
6,566
5,644
CY09
21,339
139,219
952,373
1,090,831
620,596
297,689
1,230,050
119,979
103,218
16,762
14,372
Dec-10*
34,030
151,134
1,087,745
1,206,836
627,726
350,702
1,357,970
132,870
110,348
22,522
12,019
CY04
58,130
128,308
1,603,996
1,851,966
1,080,089
465,459
1,980,274
105,596
74,523
31,073
21,782
CY05
59,376
176,569
1,992,987
2,306,329
1,413,072
523,376
2,482,898
177,860
117,198
60,662
41,188
CY06
124,252
287,882
2,425,781
2,886,107
1,807,163
598,435
3,173,989
273,918
187,158
86,760
59,490
CY07
199,547
389,726
2,909,310
3,446,053
2,039,623
936,764
3,835,779
348,149
278,615
69,530
47,263
CY08
214,571
421,074
3,236,220
3,799,764
2,429,934
847,045
4,220,838
437,498
385,022
52,477
34,704
CY09
253,015
487,719
3,655,994
4,417,543
2,435,792
1,373,082
4,905,262
524,275
463,734
60,541
39,265
Dec-10*
295,257
507,855
4,188,197
4,895,750
2,562,263
1,696,712
5,403,606
556,987
473,582
83,405
50,179
Mar-11*
362
697
5,421
6,492
3,335
2,285
7,190
203
163
39
25

million Rupees
Paid up Capital
Equity
Deposits
Liabilities
Advances
Investments
Assets
Income
Expense
Profit bofore tax
Profit after tax
Mar-11*
34,030
153,395
1,027,260
1,198,112
633,314
384,143
1,351,507
34,417
27,898
6,519
4,397
Local Private Banks

million Rupees
Paid up Capital
Equity
Deposits
Liabilities
Advances
Investments
Assets
Income
Expense
Profit bofore tax
Profit after tax
Mar-11*
278,499
501,821
4,215,698
4,951,354
2,540,368
1,802,769
5,453,175
156,676
125,844
30,833
19,578
Foreign Banks
million Rupees
Paid up Capital
Equity
Deposits
Liabilities
Advances
Investments
Assets
Income
Expense
Profit bofore tax
Profit after tax
CY04
20,053
27,184
226,976
276,711
159,172
30,949
303,896
17,872
10,659
7,212
5,816
CY05
23,111
32,202
244,955
307,176
168,439
67,383
339,378
30,300
18,741
11,559
8,035
CY06
17,469
22,686
150,093
201,081
120,223
38,477
223,783
24,107
17,784
6,323
4,288
CY07
17,085
19,373
117,561
153,339
88,455
26,427
172,711
20,169
17,733
2,435
1,122
CY08
32,130
33,971
147,938
200,590
101,921
22,593
234,562
24,005
23,998
7
651
CY09
Dec-10*
34,885
33,847
35,739
34,698
160,936
156,331
205,297
199,125
90,325
65,627
52,373
79,863
241,037
233,823
27,741
25,069
28,591
22,835
(850)
2,234
(809)
1,352
CY04
12,185
(9,971)
17,356
115,755
64,303
6,890
105,784
9,896
10,256
(360)
(871)
CY05
13,946
(9,106)
15,861
121,961
63,554
21,380
112,855
9,531
10,626
(1,095)
(1,300)
CY06
14,452
(10,214)
13,491
129,173
70,617
16,581
118,959
13,944
14,710
(766)
(1,075)
CY07
14,849
(6,931)
14,320
134,125
72,647
15,926
127,193
15,943
14,272
1,671
875
CY08
15,506
(4,163)
13,883
134,332
80,114
12,147
130,178
17,039
12,888
4,151
2,317
CY09
Dec-10*
15,507
15,507
(2,424)
3,461
16,588
17,693
142,414
138,795
93,031
93,174
13,819
14,553
139,990
142,256
17,612
15,678
13,392
12,579
4,220
3,099
1,617
1,876
Mar-11*
34,115
35,541
162,884
209,346
68,957
79,571
244,887
6,848
5,520
1,328
864
Specialized Banks
million Rupees
Paid up Capital
Equity
Deposits
Liabilities
Advances
Investments
Assets
Income
Expense
Profit bofore tax
Profit after tax
Mar-11*
15,507
6,716
14,856
133,552
92,493
18,653
140,268
4,696
4,172
524
504
Table 1.6: Concentration in the Banking System

(March 31, 2011)
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
51.0
50.0
47.0
23.0
25.0
27.0
18.0
17.0
16.0
4.0
3.0
3.0
3.0
3.0
5.0
2.0
1.0
1.0
100
100
100
Advances
Advances:public
Advances:private
Sectoral Distribution of Loans
- Corporate Sector
- SMEs
- Agriculture
- Consumer Finance
- Commodity Financing
- Staff Loans
- Others
- Total
76.4
48.3
14.4
22.4
7.2
20.3
1.5
3.2
0.5
2.3
0.1
3.6
100
100
49.6
43.6
28.6
53.9
77.5
56.8
84.8
52.3
24.3
18.8
6.5
24.0
12.4
19.6
6.6
21.3
20.2
31.7
6.6
13.3
9.0
13.5
3.1
18.4
3.3
2.5
0.1
5.7
1.1
3.0
0.4
2.9
2.5
0.2
0.0
3.1
0.0
3.2
4.8
2.0
0.2
3.1
58.2
0.0
0.0
4.0
0.3
3.1
100
100
100
100
100
100
100
100
NPLs / Gross Loans
13.2
9.9
26.7
16.5
9.1
27.6
15.4
52.0
43.0
57.0
32.0
39.0
91.0
23.0
23.0
23.0
31.0
35.0
4.0
18.0
25.0
15.0
30.0
19.0
2.0
3.0
4.0
3.0
4.0
2.0
0.0
3.0
5.0
2.0
1.0
2.0
3.0
0.0
0.0
0.0
1.0
1.0
0.0
100
100
100
100
100
100
15.2
12.6
10.1
52.5
11.1
9.0
6.6
20.9
7.6
6.6
5.0
18.0
30.0
29.7
16.6
3.0
25.0
24.7
14.5
3.1
7.2
1.4
6.1
2.5
13.6
11.4
8.7
100.0
77.0
79.1
39.7
12.4
18.0
76.9
53.5
16.0
-2.0
62.0
89.5
16.5
2.0
80.4
73.2
3.5
3.0
75.3
62.0
3.5
2.0
66.1
65.1
16.7
100.0
76.6
50.3
13.1
34.1
43.8
38.5
50.7
31.3
40.2
34.1
52.8
62.5
94.0
19.2
181.4
35.7
47.3
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
ROA (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
Asset Quality:
Table 1.7: Asset Quality Indicators of the Banking System
Banking System: Selected Indicators of Asset Quality

million Rupees
Advances
NPLs
Provision
Advances (net)
Net NPLs
CY04
1,715,060
199,754
140,613
1,574,447
59,141
CY05
2,126,844
177,433
136,264
1,990,580
41,169
CY06
2,564,055
176,766
137,672
2,427,719
39,094
CY07
2,875,686
217,998
187,603
2,688,087
30,395
CY08
3,422,549
359,238
249,914
3,172,636
109,324
CY09
3,551,331
446,005
311,588
3,239,744
134,417
Dec-10*
3,714,312
547,770
365,521
3,348,791
182,249
CY07
8,999
36,520
24,248
148,233
217,999
CY08
11,558
78,503
67,877
201,301
359,238
CY09
12,152
63,905
77,809
292,138
446,005
Dec-10*
13,601
56,146
66,264
411,758
547,770
CY07
CY08
CY09
Mar-11*
3,717,394
573,524
382,262
3,335,132
191,262
Banking System: Break up of Non Performing Loans (NPLs)

million Rupees
OAEM
Sub Standard
Doubtful
Loss
Total
CY04
14,980
13,853
15,103
155,817
199,753
CY05
6,890
17,405
12,206
140,814
177,315
CY06
12,660
17,718
17,429
128,959
176,766
Mar-11*
12,786
59,850
64,349
436,539
573,524
Banking System: Break up of Provisions against Advances (specific)

million Rupees
CY04
OAEM
Sub Standard
Doubtful
Loss
Total
125
2,494
5,548
122,794
130,960
CY05
CY06
64
3,097
4,926
113,354
121,441
176
3,516
6,670
107,147
117,508
715
9,366
12,454
144,173
166,708
743
17,490
29,782
185,746
233,761
13,666
32,386
251,691
297,743
Dec-10*
12,417
30,363
304,892
347,673
CY05
378,514
1,486,297
171,466
2,036,277
90,567
2,126,844
CY06
465,065
1,881,906
122,626
2,469,597
94,459
2,564,055
CY07
526,566
2,163,480
90,666
2,780,712
94,974
2,875,686
CY08
629,389
2,587,530
104,440
3,321,360
101,189
3,422,549
CY09
700,902
2,643,594
95,113
3,439,608
111,723
3,551,331
Dec-10*
716,562
2,812,114
71,677
3,600,353
113,958
3,714,312
CY07
44,054
139,997
1,409
185,460
32,538
217,998
CY08
102,656
224,395
3,077
330,128
29,110
359,238
CY09
118,400
292,780
6,369
417,549
28,456
446,005
Dec-10*
164,195
344,183
6,996
515,373
32,396
547,770
Mar-11*
12,287
30,073
321,382
363,742
Category-wise Break up of Banks' Advances

million Rupees
PSCBs
LPBs
FBs
CBs
SBs
Industry
CY04
301,794
1,152,352
161,749
1,615,896
99,165
1,715,060
Mar-11*
720,467
2,808,356
74,864
3,603,688
113,706
3,717,394
Category-wise Break up of Banks' Non Performing Loans (NPLs)

million Rupees
PSCBs
LPBs
FBs
CBs
SBs
Industry
CY04
40,141
103,401
2,530
146,072
53,682
199,754
CY05
38,018
95,672
2,074
135,765
41,668
177,433
CY06
41,841
96,475
1,253
139,568
37,198
176,766
Mar-11*
170,345
365,026
6,789
542,160
31,364
573,524
Category-wise Banks' Provisions

million Rupees
PSCBs
LPBs
FBs
CBs
SBs
Industry
CY04
30,911
72,263
2,577
105,751
34,862
140,613
CY05
32,999
73,225
3,027
109,252
27,012
136,264
CY06
35,349
76,080
2,403
113,831
23,841
137,672
CY07
39,204
123,855
2,211
165,271
22,332
187,603
CY08
68,723
157,598
2,519
228,839
21,075
249,914
CY09
80,305
207,803
4,788
292,896
18,692
311,588
Dec-10*
88,836
249,851
6,050
344,737
20,784
365,521
CY06
429,716
1,807,163
120,223
2,357,102
70,617
2,427,719
CY07
487,362
2,039,623
88,455
2,615,440
72,647
2,688,087
CY08
560,666
2,429,934
101,922
3,092,522
80,114
3,172,636
CY09
620,596
2,435,792
90,325
3,146,713
93,031
3,239,744
Dec-10*
627,726
2,562,263
65,627
3,255,617
93,174
3,348,791
CY07
4,850
16,142
(803)
20,189
10,206
30,395
CY08
33,934
66,797
558
101,289
8,035
109,324
CY09
38,095
84,977
1,581
124,653
9,764
134,417
Dec-10*
75,359
94,332
946
170,637
11,612
182,249
Mar-11*
87,154
267,988
5,907
361,049
21,213
382,262
Category-wise Banks' Advanes (net of provisions)

million Rupees
PSCBs
LPBs
FBs
CBs
SBs
Industry
CY04
270,884
1,080,089
159,172
1,510,144
64,303
1,574,447
CY05
345,514
1,413,072
168,439
1,927,026
63,554
1,990,580
Mar-11*
633,314
2,540,368
68,957
3,242,639
92,493
3,335,132
Category-wise Banks' Non Performing Loans-NPLs (net of provisions)

million Rupees
PSCBs
LPBs
FBs
CBs
SBs
Industry
CY04
9,230
31,138
(47)
40,321
18,820
59,141
CY05
5,019
22,447
(952)
26,513
14,655
41,169
CY06
6,492
20,395
(1,150)
25,737
13,356
39,094
Mar-11*
83,192
97,039
881
181,111
10,151
191,262
10
Table 1.8: Segment-wise Advances and Non Performing Loans (NPLs)*

amount in million Rupees, ratio in percent
Dec-10
Corporate Sector
SMEs Sector
Agriculture Sector
Consumer sector
i. Credit cards
ii. Auto loans
iii. Consumer durable
iv. Mortgage loans
v. Other personal loans
Commodity financing
Staff Loans
Others
Total
Advances
2,329,440
346,986
169,315
259,625
26,244
57,341
1,003
65,330
109,707
457,247
77,535
74,164
3,714,312
NPLs
357,717
97,205
30,359
43,879
5,114
5,839
109
15,506
17,311
5,907
1,293
11,410
547,770
Mar-11
Infection
Ratio
15.4
28.0
17.9
16.9
19.5
10.2
10.8
23.7
15.8
1.3
1.7
15.4
14.7
Advances
2,433,938
312,884
165,860
252,210
25,228
53,670
693
62,492
110,127
401,789
76,340
74,372
3,717,394
NPLs
376,588
101,198
33,296
44,084
5,222
5,621
113
15,902
17,226
6,078
1,288
10,993
573,524
Infection
Ratio
15.5
32.3
20.1
17.5
20.7
10.5
16.2
25.4
15.6
1.5
1.7
14.8
15.4
Table 1.9: Sector-wise Advances and Non Performing Loans (NPLs)*

amount in million Rupees, ratio in percent
Dec-10
Agribusiness
Automobile/Transportation
Cement
Chemical & Pharmaceuticals
Electronics
Financial
Individuals
Insurance
Others
Production/Transmission of Energy
Shoes & Leather garments
Sugar
Textile
Total
Mar-11
Advances
220,907
47,709
94,983
143,357
61,619
41,548
446,106
1,470
1,504,600
350,434
NPLs
14,511
10,987
17,570
11,396
23,730
7,907
71,784
1
188,026
13,283
Infection
Ratio
6.6
23.0
18.5
7.9
38.5
19.0
16.1
0.1
12.5
3.8
22,850
73,565
705,164
3,714,312
2,859
14,245
171,472
547,770
12.5
19.4
24.3
14.7
Advances
198,520
48,948
94,197
140,391
59,917
41,256
427,067
971
1,431,317
373,272
NPLs
18,693
11,514
17,629
13,048
22,331
7,880
72,796
1
192,629
22,985
Infection
Ratio
9.4
23.5
18.7
9.3
37.3
19.1
17.0
0.1
13.5
6.2
25,009
139,303
737,225
3,717,394
3,137
14,287
176,594
573,524
12.5
10.3
24.0
15.4
11
Soundness & Resilience:

Table 1.10: Category-wise Profitability of the Banking System
billion Rupees
CY04
CY05
CY06
CY07
CY08
14.2
31.0
7.2
52.4
(0.4)
52.0
22.8
60.5
11.6
94.9
(1.1)
93.8
31.5
85.6
6.3
123.5
0.1
123.6
33.2
69.5
2.4
105.2
1.7
106.9
6.6
52.5
0.0
59.0
4.2
63.2
8.0
21.8
5.8
35.6
(0.9)
34.7
15.5
41.1
8.0
64.6
(1.3)
63.3
21.2
59.1
4.3
84.6
(0.5)
84.1
23.9
47.3
1.1
72.2
0.9
73.1
5.6
34.7
0.6
41.0
2.3
43.3
CY09
Mar-10*
Dec-10*
Mar-11*
16.8
60.5
(0.9)
76.5
4.2
80.7
5.6
23.1
0.1
28.8
0.4
29.1
22.5
83.4
2.2
108.2
3.1
111.3
6.5
30.8
1.3
38.6
0.5
39.2
14.4
39.3
(0.8)
52.8
1.6
54.4
3.8
14.4
0.0
18.3
(0.3)
18.0
12.0
50.2
1.4
63.5
1.9
65.4
4.4
19.6
0.8
24.9
0.5
25.3
Profit Before Tax

PSCBs
LPBs
FBs
CBs
SBs
All Banks
Profit After Tax

PSCBs
LPBs
FBs
CBs
SBs
All Banks
Table 1.11: Category-wise Profitability Indicators of the Banking System

Percent
CY05
CY06
CY07
CY08
CY09
Mar-10* Dec-10*
Mar-11*
3.3
4.0
3.5
2.7
3.1
2.0
3.6
3.2
1.5
2.9
3.2
2.3
(1.0)
(1.3)
1.4
2.8
3.1
2.2
Before Tax ROE (based on Equity plus Surplus on Revaluation)
0.6
1.3
0.0
1.1
3.2
1.2
1.5
1.3
(0.3)
1.3
3.1
1.3
1.9
1.9
0.1
1.8
2.0
1.8
1.8
1.7
0.3
1.6
2.4
1.7
1.9
2.3
0.3
2.2
1.0
2.2
PSCBs
LPBs
FBs
CBs
SBs
All Banks
5.2
12.9
0.0
10.6
11.4
13.3
13.2
(2.4)
12.4
13.2
16.7
18.8
0.7
17.4
17.8
16.3
16.8
2.7
16.2
17.1
24.4
2.7
22.4
Before Tax ROA

PSCBs
LPBs
FBs
CBs
SBs
All Banks
30.7
40.1
38.9
37.2
38.2
32.4
36.2
30.0
34.7
35.2
27.2
20.4
13.1
21.8
22.6
16.7
22.4
12
Table 1.12: Break-up of Mark-up/Return/Interest Earned

amount in billion Rupees, share in percent
Items
Loans & advances
Investments
Deposits, repo and others
Total
Dec-07
Dec-08
Dec-09
Mar-10
Dec-10
Mar-11
Amount % Amount % Amount % Amount % Amount % Amount
%
273.8 71.3
359.0 74.2
412.1 69.7
100.1 65.3
404.1 63.9
107.1
60.3
80.6 21.0
92.7 19.1
148.4 25.1
45.9 30.0
198.4 31.4
63.2
35.6
29.8
7.7
32.4
6.7
30.6
5.2
7.1
4.7
30.4
4.8
7.3
4.1
384.1 100
484.1
100
591.1
100
153.2
100
632.8 100
177.6 100.0
Table 1.13: Distribution of Banks by Capital Adequacy Ratio (CAR)
Less than 10
10 to 15
Over 15
Total
CY04 CY05 CY06 CY07 CY08 CY09 Mar-10* Dec-10* Mar-11*

14
9
7
9
9
6
6
6
6
9
13
15
12
10
15
13
12
13
15
17
17
18
21
19
21
20
19
38
39
39
39
40
40
40
38
38
13
Table 1.14: Capital Structure and Capital Adequacy of All Banks and DFIS
(March 31, 2011)
million Rupees
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
Freely available General Provisions or reserves for loan losses-upto maximum of
2.1
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
Total Supplementary Capital eligible for MCR(maximum upto 100% of Total
2.11
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
5.4
5.5
5.6
5.7
Equity holdings (majority or significant minority) in an insurance subsidiary(para

1.1 scope of Application)
Significant minority and majority investments in commercial entities exceeding
15% of Bank,s Capital
Securitization exposure subject to deduction (para 4.3.1 of instructions)
Others
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
All Banks
DFIs
411,126
21,097
3,417
147,889
63,269
646,798
37,254
10,000
24,402
34,734
106,391
278,499
8,503
3,417
108,219
45,681
444,320
34,115
126
1,547
35,788
15,507
8,281
(21,592)
2,196
365,376
18,503
3,417
141,028
60,370
588,695
45,750
2,593
6,861
2,898
58,103
39,987
5,753
3,727
1,356
12,616
63,446
583,352
747
3,420
745
379
2,115
7,406
98,984
39,220
1,551
1,664
62
9,036
51,539
392,781
(2)
236
374
608
35,180
8
372
158
537
1,659
39,972
5,207
3,155
441
11,312
60,087
528,608
15
546
572
916
1,307
3,355
54,747
13,836
37,964
23,433
38,052
113,118
3,900
12,493
6,952
23,346
7,918
22,376
16,481
34,848
81,455
427
427
1,431
2,375
3,204
7,010
13,677
37,244
23,433
38,052
112,407
159
720
879
12,616
12,616
100,502
2,115
2,115
21,230
9,036
9,036
72,419
427
158
158
6,853
11,312
11,312
101,094
1,307
1,307
(428)
100,143
683,495
20,871
119,856
72,419
465,201
427
35,607
6,853
8,512
100,571
629,179
(428)
54,320
3,739,966
303,916
680,541
4,724,423
702,302
90,031
117,393
909,726
2,768,140
185,208
504,399
3,457,746
107,015
7,782
27,571
142,368
98,462
24
18,955
117,441
3,675,919
283,045
668,317
4,627,281
64,047
20,871
12,224
97,142
18.3%
12.3%
14.5%
17.1%
10.9%
13.2%
16.8%
11.4%
13.5%
33.3%
24.7%
25.0%
8.6%
1.4%
7.2%
17.1%
11.4%
13.6%
84.8%
56.4%
55.9%
19,378
2,388
15,001
315
17,704
1,674
3,893
1,843
1,454
3,297
595
776
431
431
345
1,186
1,186
1,186
6
25,238
4,231
6
18,078
315
6
22,624
2,614
14
Table 1.15: Stress Testing Results of the Banking System

(March 31, 2011)
Shock Details
Pre-Shock Position
C-1
C-2
C-3
C-4
C-5
C-6
IR-1
IR-2
Credit Risk Shocks

20% of performing loans moving to substandard, 50% of
substandard to doubtful, 50% of doubtful to loss.
Tightening of loan classification i.e. All NPLs under
substandard downgraded to doubtful and all doubtful
downgraded to loss.
Deterioration in performing loans of the textile sector
(30%) directly downgraded to doubtful category of NPLs.
50% of consumer loans (credit cards, auto loans, personal
loans & consumer durables only) directly classified into
doubtful category of NPLs.
Deterioration in performing loans of the SME Sector
(25%) and Agri Sector (25%) downgraded to Doubtful
category of NPLs.
Critical Infection Ratio (The ratio of NPLs to Loans
where capital wipes out)
Market Risk Shocks
Increase in interest rates by 300 basis points.
Flattening of yield curve by increasing 300, 200 and 100
basis points at the short, middle and long end respectively.
Depreciation of Pak Rupee exchange rate by 25%

Appreciation of Pak Rupee exchange rate by 5%
EQ-1
Fall in general equity prices by 30%.
EQ-2
Fall in general equity prices by 50%.
Combined Credit & Market Shocks
Increase in General Interest rates by 3%, deterioration in
performing loans of the SME Sector (25%) and Agri
COMB- Sector (25%) downgraded to Doubtful category of NPLs,
1
deterioration of loans to the textile sector (30%) directly
downgraded to doubtful category, and fall in equity prices
by 30%.
Flattening of yield curve by increasing 300, 200 and 100
basis points at the short, middle and long end respectively,
COMB20% of performing loans moving to substandard, 50% of
2
substandard to doubtful, 50% of doubtful to loss., fall in
equity prices by 50%.
Liquidity Risk Shocks
Withdrawal of customer deposits by 2%, 5%, 10%, 10%
L-1
and 10% for five consecutive days respectively.
ER-1
ER-2
Number of Banks with CAR

< 0%
3
0% - 10%
3
> 10%
32
< 0%
0% - 10%
> 10%
10
25
31
28
31
28
35
< 0%
3
0% - 10%
5
> 10%
30
31
3
3
3
3
< 0%
3
3
3
3
0% - 10%
32
32
32
32
> 10%
10
25
10
25
3 Days
4 Days
5 Days
15
Table 1.16: List of Banks

2008
A. Public Sector Com. Banks (4)
First Women Bank Ltd.
National Bank of Pakistan
The Bank of Khyber
The Bank of Punjab
2009
The Bank of Khyber
The Bank of Punjab
2010
The Bank of Khyber
The Bank of Punjab
Sindh Bank Ltd.
Mar-11
The Bank of Khyber
The Bank of Punjab
Sindh Bank Ltd.
B. Local Private Banks (25)

Allied Bank Ltd.
Askari Bank Ltd.
Atlas Bank Ltd..
Bank AL Habib Ltd.
Bank Alfalah Ltd.
BankIslami Pakistan Ltd.
Dawood Islamic Bank Ltd
Emirates Global Islamic Bank Ltd.
Faysal Bank Ltd.
Habib Bank Ltd.
Habib Metropolitan Bank Ltd.
JS Bank Ltd.
KASB Bank Ltd.
MCB Bank Ltd.
Meezan Bank Ltd.
Mybank Ltd.
NIB Bank Ltd.
SAMBA Bank Ltd.
Saudi Pak Commercial Bank Ltd.
Soneri Bank Ltd.
Standard Chartered Bank (Pakistan) Ltd.
The Royal Bank of Scotland Ltd.
United Bank Ltd.
Dubai Islamic Bank Pakistan Ltd.
Arif Habib Bank Ltd.

Allied Bank Ltd.
Askari Bank Ltd.
Atlas Bank Ltd**
Bank AL Habib Ltd.
Bank Alfalah Ltd.
Dawood Islamic Bank Ltd.
Emirates Global Islamic Bank Ltd.*
Faysal Bank Ltd.
Habib Bank Ltd.
JS Bank Ltd.
KASB Bank Ltd.
MCB Bank Ltd.
Meezan Bank Ltd.
Mybank Ltd.
NIB Bank Ltd.
SAMBA Bank Ltd.
Silk Bank Ltd
Soneri Bank Ltd.
The Royal Bank of Scotland Ltd.
United Bank Ltd.
Arif Habib Bank Ltd.

AlBaraka Bank (Pakistan) Limited.*
Allied Bank Ltd.
Askari Bank Ltd.
Bank AL Habib Ltd.
Bank Alfalah Ltd.
Faysal Bank Ltd.**
Habib Bank Ltd.
JS Bank Ltd.
KASB Bank Ltd.
MCB Bank Ltd.
Meezan Bank Ltd.
Mybank Ltd.
NIB Bank Ltd.
SAMBA Bank Ltd.
Silk Bank Ltd
Soneri Bank Ltd.
United Bank Ltd.
Summit Bank Ltd (formerly Arif Habib Bank)***

AlBaraka Bank (Pakistan) Limited.*
Allied Bank Ltd.
Askari Bank Ltd.
Bank AL Habib Ltd.
Bank Alfalah Ltd.
Faysal Bank Ltd.**
Habib Bank Ltd.
JS Bank Ltd.
KASB Bank Ltd.
MCB Bank Ltd.
Meezan Bank Ltd.
Mybank Ltd.
NIB Bank Ltd.
SAMBA Bank Ltd.
Silk Bank Ltd
Soneri Bank Ltd.
United Bank Ltd.
Summit Bank Ltd (formerly Arif Habib Bank)***
C. Foreign Banks (7)

Albaraka Islamic Bank B.S.C.
Bank of Tokyo - Mitsubishi UFJ, Ltd.
Deutsche Bank AG
Citibank N.A.
Oman International Bank S.A.O.G.
Barclays Bank PLC
HSBC Bank Milldle East Ltd.

Albaraka Islamic Bank B.S.C.
Deutsche Bank AG
Citibank N.A.
Barclays Bank PLC

Deutsche Bank AG
Citibank N.A.
Barclays Bank PLC

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

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

SME Bank Ltd.

SME Bank Ltd.

SME Bank Ltd.
All Commercial Banks (36)

Include A + B + C
All Banks (40)
Include A + B + C + D

Include A + B + C
All Banks (40)

Include A + B + C
All Banks (38)

Include A + B + C
All Banks (38)
* Descheduling of Albaraka Islamic Bank Pakistan Operations and merger into Emirates Global Islamic Bank Limited with effect from October 29, 2010. Subsequent upon its merger, name has been changed from Emirates Global Islamic Bank Limited to
AlBaraka Bank (Pakistan) Limited with effect from the close of business on October 29, 2010.
** Royal Bank of Scotland Limited (RBS Pakistan) Amalgamated with and into Faysal Bank Limited on December 29, 2010.
***De-scheduling of Atlas Bank Limited with effect from the close of business on December 31, 2010, on account of its merger with and into Summit Bank Limited.
SBP declared Sindh Bank Limited as a scheduled bank with effect from December 24, 2010.
16
2. Islamic Banking
17
Table 2.1: Group-wise Balance Sheets and Income Statements of Islamic Banks/Branches
(March 31, 2011)
million Rupees
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
Other Liabilities
TOTAL LIABILITIES
NET ASSETS
NET ASSETS REPRESENTED BY: Share Capital
Reserves
TOTAL
PROFIT AND LOSS STATEMENT
Mark-Up Income
Mark-Up Expenses
Net Mark-Up
Net Mark-Up After Provision
Dividend Income
Other Income
Total Non - Markup
Other Expenses
Total Non-Markup
Extra ordinary/unusual Items -- Gain/(Loss)
PROFIT/ (LOSS) BEFORE TAXATION
Less: Taxation
PROFIT/ (LOSS) AFTER TAX
Islamic Banks Islamic Banking Branches
Islamic Banking
20,869
9,645
19,018
122,672
112,844
10,258
2,641
27,731
325,679
11,807
4,076
0
71,763
66,743
3,006
35
14,062
171,492
32,677
13,721
19,018
194,435
179,586
13,264
2,676
41,794
497,170
4,251
9,638
268,087
0
14
0
10,597
292,587
33,092
1,139
14,568
129,892
0
0
3
11,616
157,217
14,275
5,390
24,206
397,979
14
3
22,213
449,804
47,367
34,031
8,498
823
0
(2,199)
5,052
32,655
13,551
436
724
33,092
14,275
Islamic Banks Islamic Banking Branches
42,529
823
2,854
46,206
1,160
47,367
Islamic Banking
8,560
4,927
3,633
366
3,267
333
262
287
129
1,010
4,277
3,131
4
3,135
1,141
0
1,141
390
751
4,560
2,682
1,878
53
1,825
203
4
24
72
303
2,128
1,100
19
1,119
1,009
0
1,009
0
1,009
13,120
7,609
5,511
419
5,092
536
265
310
201
1,313
6,405
4,231
23
4,254
2,150
0
2,150
390
1,760
Absolute change
QoQ
YoY
(3,512)
6,888
(13,504)
(23,261)
(239)
(22,638)
36,631
121,542
(813)
23,754
219
1,084
523
615
884
18,022
20,190
126,005
1,254
1,988
5,897
6,762
7,919
108,888
(5)
(23)
(514)
(5)
4,691
3,249
19,242
120,860
948
5,145
1,622
3,539
170
(383)
226
1,801
2,019
4,956
(1,071)
189
948
5,145
Absolute change
YoY
4,140
2,853
1,286
(326)
1,612
74
216
(3)
42
329
1,941
592
6
599
1,342
0
1,342
321
1,022
18
Table 2.2: Financial Soundness Indicators of Islamic Banking*

Percent
NPLs to Total Loans
Provision to NPLs
Net NPLs to Capital
ROA before Tax
ROA after Tax
ROE before Tax
ROE after Tax
Loans to Deposits
Net Interest Income to Gross Income
Non Interest Income to Gross Income
Operating Expense to Gross Income
Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11

12.1
11.4
10.4
10.3
9.7
9.5
6.3
7.3
6.5
8.4
7.3
8.0
3.1
3.8
2.8
4.1
3.2
3.4
51.7
50.0
58.8
54.1
58.6
58.7
11.5
14.1
10.2
14.3
12.3
13.1
0.7
0.9
0.9
0.6
0.6
1.8
0.6
0.8
0.8
0.6
0.6
1.4
5.9
7.7
8.2
5.5
5.9
18.3
4.6
7.0
6.9
5.3
5.2
15.0
54.3
53.9
47.8
45.2
46.2
45.1
79.4
81.1
80.7
80.0
78.5
80.8
20.6
18.9
19.3
20.0
21.5
19.2
70.3
70.2
71.8
73.9
72.6
62.3
19
Table 2.3: List of Islamic Banks
December-10
1
2
3
4
5
1
2
3
4
5
6
7
8
9
10
11
12
Islamic Banks
AlBaraka Bank (Pakistan) Limited
BankIslami Pakistan Limited
Dawood Islamic Bank Limited
Dubai Islamic Bank Pakistan Ltd
Meezan Bank Ltd
Conventional Banks having Islamic Banking Branches
Askari Bank Limited
Bank Al Habib Ltd
Bank Alfalah Ltd
Faysal Bank Limited
Habib Bank Ltd
Habib Metropolitan Bank
MCB Bank Ltd
Soneri Bank Ltd
Standard Chartered Bank
The Bank of Khyber
United Bank Ltd
Grand Total 17 (5+12)
March-11
1
2
3
4
5
1
2
3
4
5
6
7
8
9
10
11
12
Islamic Banks
AlBaraka Bank (Pakistan) Limited
BankIslami Pakistan Limited
Dawood Islamic Bank Limited
Dubai Islamic Bank Pakistan Ltd
Meezan Bank Ltd
Conventional Banks having Islamic Banking Branches
Askari Bank Limited
Bank Al Habib Ltd
Bank Alfalah Ltd
Faysal Bank Limited
Habib Bank Ltd
Habib Metropolitan Bank
MCB Bank Ltd
Soneri Bank Ltd
Standard Chartered Bank
The Bank of Khyber
United Bank Ltd
Grand Total 17 (5+12)
20
3. Development Finance Institutions
21
Table 3.1: Balance Sheets and Income Statements of DFIs

(March 31, 2011)
million Rupees
Financial Position
CY07
CY08
CY09
Mar-10*
Jun-10
Sep-10
Dec-10*
Mar-11*
Absolute change
QoQ
YoY
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
Other Liabilities
TOTAL LIABILITIES
NET ASSETS
NET ASSETS REPRESENTED BY: Share Capital
Reserves
TOTAL
OPERATING POSITION
Mark-Up/ Return/Interest Earned
Mark-Up/ Return/Interest Expenses
Net Mark-Up / Interest Income
Net Mark-Up / Interest Income After Provision
Dividend Income
Other Income
Total Non - Markup / Interest Income
Other Expenses
Total Non-Markup/Interest Expenses
Extra ordinary/unusual Items -- Gain/(Loss)
Profit/ (Loss) Before Taxation
Less: Taxation
Profit/ (Loss) after Taxation
637
12,508
19,864
41,389
33,392
2,969
545
5,029
116,332
701
10,905
8,245
38,536
36,673
2,918
790
4,522
103,290
1,716
6,713
12,085
62,102
41,416
3,098
1,277
3,786
132,193
1,671
2,424
9,687
65,105
42,966
2,979
1,216
4,280
130,328
1,745
2,186
9,825
73,154
44,943
2,957
1,394
4,132
140,336
1,792
541
9,916
63,519
43,386
2,899
1,458
5,731
129,241
1,761
2,545
8,971
64,395
45,410
3,046
1,318
6,814
134,261
1,747
800
9,297
65,950
45,078
2,956
1,243
5,515
132,586
(14)
(1,745)
326
1,555
(332)
(91)
(75)
(1,298)
(1,674)
76
(1,624)
(391)
845
2,112
(23)
27
1,235
2,258
51,664
11,868
38
564
4,552
68,686
47,646
43,838
5,881
36
4,841
54,595
48,695
51,522
18,074
30
2
5,814
75,442
56,751
49,238
16,411
28
4
5,997
71,679
58,650
57,288
17,580
18
7,216
82,102
58,235
45,886
17,360
16
7,504
70,766
58,475
50,306
15,856
15
51
8,522
74,751
59,510
49,096
16,756
13
50
7,384
73,299
59,288
31,993
11,159
1,522
44,673
2,973
47,646
42,750
11,610
(5,008)
49,352
(657)
48,695
47,269
7,250
342
54,860
1,891
56,751
48,278
6,986
1,520
56,783
1,866
58,650
48,278
7,170
2,135
57,583
651
58,235
48,278
7,040
2,717
58,035
440
58,475
48,385
7,211
2,602
58,198
1,312
59,510
45,750
9,455
2,805
58,009
1,279
59,288
(1,210)
900
(2)
(1)
(1,138)
(1,452)
(223)
(2,635)
2,243
203
(189)
(34)
(223)
(142)
345
(15)
46
1,387
1,620
638
(6,029)
(2,528)
2,469
1,285
1,226
(587)
638
CY07
7,315
4,538
2,777
2,863
(86)
79
391
(45)
3,010
3,434
3,349
2,330
102
2,432
917
22
895
1,020
(125)
CY08
10,350
5,873
4,478
6,159
(1,681)
123
669
560
6,412
7,763
6,082
2,413
2,022
4,435
1,647
(48)
1,696
886
810
CY09
12,592
6,720
5,872
3,133
2,739
191
423
20
844
1,479
4,217
2,647
62
2,709
1,508
(25)
1,533
630
904
Mar-10
3,239
1,735
1,504
(23)
1,527
(6)
104
(2)
378
474
2,001
693
(24)
668
1,333
1,333
405
928
Jun-10
6,786
3,620
3,166
(863)
4,029
(755)
168
21
361
(205)
3,823
1,433
4
1,437
2,386
2,386
673
1,714
Sep-10
10,281
5,615
4,666
506
4,160
291
312
658
1,260
5,421
2,238
112
2,349
3,071
3,071
920
2,151
Dec-10
13,785
7,317
6,468
790
5,678
79
484
904
1,468
7,146
2,878
(5)
2,873
4,273
4,273
1,561
2,712
Change
YoY
3,611
372
1,960
225
1,651
147
(15)
7
1,666
139
24
30
128
25
(11)
(10)
219
(159)
359
(115)
2,025
24
698
5
81
105
778
110
1,247
(86)
1,247
(86)
403
(2)
844
(84)
Mar-11
22
Table 3.2: Financial Soundness Indicators of DFIs
CY07 CY08
Capital
Total Capital to Total RWA
Tier 1 Capital to Total RWA
Asset Quality
NPLs to Total Loans
Provision to NPLs
Net NPLs to Capital
Earnings
ROA before Tax
ROA after Tax
ROE before Tax
ROE after Tax
Net Interest Income to Gross Income
Operating Expense to Gross Income
Liquidity
Loans to Deposits
Liquid Assets/Total Assets
Liquid Assets/Total Deposits
Percent
CY09 Mar-10* Jun-10* Sep-10* Dec-10* Mar-11*
43.7
44.0
41.0
53.4
53.3
47.1
52.5
52.4
42.9
54.8
54.7
45.0
53.3
53.5
41.5
52.9
53.2
45.2
54.4
54.9
44.3
55.9
56.4
44.7
20.8
4.6
81.6
3.2
27.0
11.2
65.9
8.4
27.1
10.1
69.8
7.4
28.0
11.8
65.7
8.6
26.2
11.7
62.5
9.1
27.8
11.4
66.7
8.4
26.6
10.9
66.2
8.3
28.1
12.4
63.6
9.5
0.8
(0.1)
2.2
(0.3)
44.7
39.1
1.5
0.7
3.4
1.6
34.8
22.7
1.3
0.8
2.9
1.7
79.9
36.9
4.0
2.8
9.2
6.4
76.0
33.8
3.5
2.5
8.2
5.9
106.9
48.5
3.1
2.1
7.0
4.9
78.7
39.6
3.2
2.0
7.3
4.6
81.5
36.2
3.7
2.5
8.4
5.7
82.1
38.7
281.4 622.9
29.3 31.2
287.3 547.3
229.2
35.9
262.4
261.8
33.6
266.7
255.7
36.2
289.3
249.9
33.0
245.6
286.4
30.9
261.6
269.0
34.6
273.5
23
Table 3.3: List of Development Finance Institutions

2010
1. House Building Finance Company Limited
2. PAIR Investment Company Limited
3. Pak Brunei investment Company Limited
4. Pak Libya Holding Company Limited
5. Pak Oman Investment Company Limited
6. Pak-China Investment Company Limited
7. Pakistan Kuwait Investment Company Limited
8. Saudi Pak Industrial & Agricultural Investment Company Limited
Mar-11
1. House Building Finance Company Limited
2. PAIR Investment Company Limited
3. Pak Brunei investment Company Limited
4. Pak Libya Holding Company Limited
5. Pak Oman Investment Company Limited
6. Pak-China Investment Company Limited
7. Pakistan Kuwait Investment Company Limited
8. Saudi Pak Industrial & Agricultural Investment Company Limited
24

Statistics of The Banking System: Quarterly Compendium

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Quarterly Compendium:

State Bank of Pakistan

Statistics of the Overall Banking System ............................................................................................. 1

Asset Quality: ............................................................................................................................................... 9

Islamic Banking ................................................................................................................................... 17

Development Finance Institutions..................................................................................................... 21

For Queries & Comments:

Muhammad Shamil Akbar

Quarterly Compendium: March 2011

1. Statistics of the Overall Banking System

Quarterly Compendium: March 2011

CY04 CY05 CY06 CY07

Quarterly Compendium: March 2011

Quarterly Compendium: March 2011

Table 1.4: Financial Soundness Indicators*

Tier 1 Capital to RWA

Capital to Total Assets

Net NPLs to Net Loans

Quarterly Compendium: March 2011

Financial Soundness Indicators* contd:

Cost / Income Ratio

Liquid Assets/Total Deposits

Quarterly Compendium: March 2011

Table 1.5: Banks category-wise key variables

Public Sector Commercial Banks

Local Private Banks

Quarterly Compendium: March 2011

Quarterly Compendium: March 2011

Table 1.6: Concentration in the Banking System

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

NPLs / Gross Loans

Quarterly Compendium: March 2011

Banking System: Selected Indicators of Asset Quality

Banking System: Break up of Non Performing Loans (NPLs)

Banking System: Break up of Provisions against Advances (specific)

Category-wise Break up of Banks' Advances

Category-wise Break up of Banks' Non Performing Loans (NPLs)

Quarterly Compendium: March 2011

Category-wise Banks' Provisions

Category-wise Banks' Advanes (net of provisions)

Category-wise Banks' Non Performing Loans-NPLs (net of provisions)

Quarterly Compendium: March 2011

Table 1.8: Segment-wise Advances and Non Performing Loans (NPLs)*

Table 1.9: Sector-wise Advances and Non Performing Loans (NPLs)*

Quarterly Compendium: March 2011

Soundness & Resilience:

Profit Before Tax

Profit After Tax

Table 1.11: Category-wise Profitability Indicators of the Banking System

Before Tax ROA

Quarterly Compendium: March 2011

Table 1.12: Break-up of Mark-up/Return/Interest Earned

Table 1.13: Distribution of Banks by Capital Adequacy Ratio (CAR)

CY04 CY05 CY06 CY07 CY08 CY09 Mar-10* Dec-10* Mar-11*

Quarterly Compendium: March 2011

Equity holdings (majority or significant minority) in an insurance subsidiary(para

Quarterly Compendium: March 2011

Table 1.15: Stress Testing Results of the Banking System