A Review Of The Banking Sector (Facts & Figures)

Credit/Loans Classified By Borrowers In Pakistan* (Million Rupees)
Description	Sep-20 (R)	Oct-20(R)	Nov-20(R)	Dec-20(P)
1. Credit to Government Sector (A+B)	15,005,562	14,974,023	14,919,380	15,178,639
A. SBP Credit to Government Sector (Net)	6,244,544	6,329,892	6,126,305	5,941,522
Investment in Govt. Securities	7,076,025	7,109,127	7,172,331	6,975,812
Loans to Government	62,957	42,721	43,874	42,962
Others	9,789	9,789	9,789	9,789
Less: Govt. Deposits	904,227	831,745	1,099,689	1,087,041
B. Scheduled Banks Credit to Government Sector (Net)	8,761,018	8,644,130	8,793,075	9,237,117
Investment in Govt. Securities	10,294,844	10,176,018	10,344,995	10,826,372
Loans to Government	832,045	821,637	813,543	823,391
Less: Govt. Deposits	2,365,870	2,353,525	2,365,462	2,412,646
2. Credit to Non Governmnet Sector (A+B)	7,995,473	8,024,015	8,070,713	8,377,600
A. SBP Credit to Non Govt. Sector	25,253	25,519	25,658	26,174
B. Scheduled Banks Credit to Non Govt.Sector (I+II+III)	7,970,220	7,998,496	8,045,055	8,351,426
I. Credit to PSEs	1,666,209	1,657,729	1,651,607	1,665,258
Investment in Non-financial PSEs	527,680	527,744	525,577	521,034
Loans to Non-financial PSEs	1,138,529	1,129,985	1,126,030	1,144,223
II. Credit to NBFIs	159,815	163,043	157,528	171,339
Investment in NBFIs	60,776	61,538	57,695	56,747
Loans to NBFIs	99,039	101,506	99,833	114,591
III. Credit to Private Sector (A+B)	6,144,196	6,177,724	6,235,921	6,514,830
A. Investment in Securities & Shares of Private Sector	223,469	220,481	219,787	218,624
B. Loans to Private Sector (1-4)	5,920,727	5,957,243	6,016,134	6,296,206
1. PRIVATE SECTOR (BUSINESS)	5,169,650	5,189,907	5,235,596	5,490,502
A. Agriculture, forestry and fishing	283,904	291,755	293,115	291,745
B. Mining and quarrying	79,663	73,457	71,951	79,593
C. Manufacturing	3,133,872	3,137,782	3,183,135	3,373,565
D. Electricity, gas, steam and air conditioning supply	501,374	508,967	494,415	532,566
E. Water supply; sewerage, waste management and remediation activities	22,728	23,211	21,642	23,392
F. Construction	132,666	139,547	145,168	145,268
G. Wholesale and retail trade; repair of motor vehicles and motorcycles	447,083	449,228	455,539	459,656
H. Transportation and storage	120,163	117,146	118,323	119,827
I. Accommodation and food service activities	37,555	38,763	38,346	43,010
J. Information and communication	163,025	163,848	169,352	167,578
K. Real estate activities	29,621	24,465	21,543	24,869
L. Professional, scientific and technical activities	51,486	52,353	54,668	53,882
M. Administrative and support service activities	62,510	62,774	59,507	62,545
N. Education	28,873	30,160	30,241	31,207
O. Human health and social work activities	16,773	17,500	17,853	18,103
P. Arts, entertainment and recreation	2,587	2,630	2,641	3,308
Q. Other service activities	55,767	56,320	58,157	60,388
2. TRUST FUNDS AND NON PROFIT ORGANIZATIONS	16,172	16,093	16,038	19,282
A. Government Trusts and Non-profit Organizations	5,568	5,659	5,443	7,621
B. Private Trusts and Non-profit Organizations	9,882	9,616	9,684	10,747
C. Non-government Organizations (NGOs)/ Community Based Organizations (CBOs)	721	819	912	914
3. PERSONAL	733,016	749,362	762,600	783,114
A. Bank Employees	160,154	162,789	163,465	163,688
1) For house building	124,763	129,626	130,353	130,276
2) For transport i.e. purchase of car etc.	31,821	29,542	29,470	29,789
3) Other purposes	3,571	3,621	3,641	3,623
B. Consumer Financing	572,038	585,698	598,335	618,619
1) For house building	80,680	82,038	83,835	86,184
2) For transport i.e. purchase of car etc	232,396	240,429	245,634	256,386
3) Credit cards	49,147	49,911	51,192	51,494
4) Consumers durable	5,281	5,095	6,208	6,207
5) Personal loans	204,534	208,225	211,466	218,349
C) Other	824	875	800	806
4. OTHER	1,890	1,881	1,900	3,308
Total Credit (1+2)	23,001,035	22,998,038	22,990,094	23,556,238
*Outstanding position at the end of month, *Based on ISIC 4 Classifications of Private Sector Business