|
COMMERCIAL BANKING SECTOR INDICATORS
|
||||||||
|---|---|---|---|---|---|---|---|---|
|
Date
|
Total assets
|
Client loans
|
Bond portfolio
|
Other
|
Liabilities and capital
|
Capital
|
Client deposits
|
Other
|
|
November 2015,PKRbn
|
12,757.3
|
5,018.6
|
6,439.5
|
1,299.2
|
12,757.3
|
1,557.1
|
8,690.9
|
2,509.3
|
|
November 2016,PKRbn
|
13,941.2
|
5,657.7
|
7,026.8
|
1,256.8
|
13,941.2
|
1,574.4
|
9,963.3
|
2,403.5
|
|
% change y-o-y
|
9.3%
|
12.7%
|
9.1%
|
-3.3%
|
9.3%
|
1.1%
|
14.6%
|
-4.2%
|
|
November 2015,USDbn
|
121.0
|
47.6
|
61.1
|
12.3
|
121.0
|
14.8
|
82.4
|
23.8
|
|
November 2016,USDbn
|
132.7
|
53.9
|
66.9
|
12.0
|
132.7
|
15.0
|
94.9
|
22.9
|
|
% change y-o-y
|
9.7%
|
13.2%
|
9.6%
|
-2.9%
|
9.7%
|
1.5%
|
15.1%
|
-3.8%
|
|
Source: BMI Research
|
||||||||
[divider style=”normal” top=”20″ bottom=”20″]
|
COMMERCIAL BANKING SECTOR KEY RATIOS, OCTOBER 2016
|
||||
|---|---|---|---|---|
|
Loan/deposit ratio
|
Loan/asset ratio
|
Loan/GDP ratio
|
GDP Per Capita, USD
|
Deposits per capita, USD
|
|
56.79%
|
40.58%
|
20.59%
|
1,347.9
|
493.6
|
|
Falling
|
Rising
|
Rising
|
n/a
|
n/a
|
|
Source: BMI Research
|
||||
[divider style=”normal” top=”20″ bottom=”20″]
|
ANNUAL GROWTH RATE PROJECTIONS 2015-2020 (%)
|
|||
|---|---|---|---|
|
Assets
|
Loans
|
Deposits
|
|
|
Annual Growth Rate
|
17
|
17
|
15
|
|
CAGR
|
17
|
17
|
15
|
|
Ranking
|
10
|
11
|
14
|
|
Source: BMI Research
|
|||
[divider style=”normal” top=”20″ bottom=”20″]
[ads1]
|
RANKING OUT OF 75 COUNTRIES REVIEWED IN 2016
|
||
|---|---|---|
|
Loan/deposit ratio
|
Loan/asset ratio
|
Loan/GDP ratio
|
|
73
|
67
|
67
|
|
Local currency asset growth
|
Local currency loan growth
|
Local currency deposit growth
|
|
8
|
11
|
13
|
|
Source: BMI Research
|
||
[divider style=”normal” top=”20″ bottom=”20″]
|
COMMERCIAL BANKING SECTOR INDICATORS 2013-2020
|
||||||||
|---|---|---|---|---|---|---|---|---|
|
2013
|
2014
|
2015
|
2016
|
2017f
|
2018f
|
2019f
|
2020f
|
|
|
Total assets, PKRbn
|
9,594.9
|
10,934.1
|
13,149.6
|
15,319.2
|
17,846.9
|
20,791.7
|
24,222.3
|
28,218.9
|
|
Total assets, USDbn
|
94.5
|
108.2
|
128.0
|
145.9
|
168.8
|
191.8
|
217.0
|
245.4
|
|
Client loans, PKRbn
|
4,230.2
|
4,647.2
|
5,307.2
|
6,182.9
|
7,203.1
|
8,391.6
|
9,776.2
|
11,389.3
|
|
Client loans, USDbn
|
41.6
|
46.0
|
51.6
|
58.9
|
68.1
|
77.4
|
87.6
|
99.0
|
|
Client deposits, PKRbn
|
7,117.1
|
7,920.2
|
9,081.0
|
10,411.9
|
11,937.8
|
13,687.3
|
15,693.2
|
17,993.1
|
|
Client deposits, USDbn
|
67.6
|
78.8
|
86.7
|
99.4
|
111.8
|
124.4
|
138.5
|
154.2
|
|
Source: BMI Research
|
||||||||
f = forecast