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A review of the Banking Sector (Facts & Figures)

S. Kamal Hayder Kazmi
Islamic Finance in Pakistan (Facts & Figure)
Credit/Loans Classified By Borrowers In Pakistan (Million Rupees)
Details Nov-21 Dec-21 (R) Jan-22 (P)
1. Credit to Government Sector (A+B) 16,759,145 16,691,345 16,699,802
2. Credit to Non Government Sector (A+B) 9,327,625 9,834,285 9,658,862
A. SBP Credit to Non Govt. Sector 29,733 30,449 30,549
B. Scheduled Banks Credit to Non Govt.Sector (I+II+III) 9,297,892 9,803,835 9,628,313
I. Credit to PSEs 1,733,573 1,768,058 1,744,838
II. Credit to NBFIs 200,104 241,033 222,570
III. Credit to Private Sector (A+B) 7,364,215 7,794,745 7,660,905
A. Investment in Securities & Shares of Private Sector 198,927 196,274 198,532
B. Loans to Private Sector (1-4) 7,165,289 7,598,471 7,462,373
1. Private Sector (Business) 6,159,057 6,572,634 6,431,407
A. Agriculture, forestry and fishing 307,277 322,865 303,877
1. Crop and animal production, hunting and related service activities 305,358 321,098 302,379
02 – Forestry and logging 80 82 12
03 – Fishing and aquaculture 1,839 1,685 1,486
B. Mining and quarrying 56,158 66,319 67,284
05 – Mining of coal and lignite 36,869 39,560 42,043
06 – Extraction of crude petroleum and natural gas 17,392 24,603 22,890
07 – Mining of metal ores 550 588 865
08-Other mining and quarrying 1,316 1,538 1,455
9 – Mining support service activities 32 30 32
C. Manufacturing 3,907,468 4,219,323 4,180,601
10 – Manufacture of food products 826,664 952,382 958,858
11 – Manufacture of beverages 34,268 36,451 35,927
12 – Manufacture of tobacco products 3,716 3,826 3,718
13 – Manufacture of textiles 1,397,227 1,441,141 1,426,314
14 – Manufacture of wearing apparel 171,582 175,212 177,849
15 – Manufacture of leather and related products 41,547 43,017 44,390
16 – Manufacture of wood and of products of wood and cork, except furniture; manufacture of articles of straw and plaiting materials 6,620 6,916 7,000
17 – Manufacture of paper and paper products 69,340 76,311 77,439
18 – Printing and reproduction of recorded media 12,828 13,025 13,171
19 – Manufacture of coke and refined petroleum products 131,158 148,815 142,901
20 – Manufacture of chemicals and chemical products 284,446 324,369 292,220
21 – Manufacture of basic pharmaceutical products and pharmaceutical preparations 74,115 76,164 76,715
22 – Manufacture of rubber and plastics products 67,850 74,798 77,145
23 – Manufacture of other non-metallic mineral products 226,867 240,598 240,942
24 – Manufacture of basic metals 225,649 254,096 249,345
25.Manufacture of fabricated metal products, except machinery and equipment 35,318 38,503 37,049
26 – Manufacture of computer, electronic and optical products 6,637 6,748 6,882
27 – Manufacture of electrical equipment 146,195 152,370 151,834
28 – Manufacture of machinery and equipment 15,271 15,967 16,639
29 – Manufacture of motor vehicles, trailers and semi-trailers 60,520 67,222 71,453
30 – Manufacture of other transport equipment 20,724 21,597 22,187
31 – Manufacture of furniture 3,980 4,359 4,331
32. Other manufacturing 44,581 45,041 45,910
33 – Repair and installation of machinery and equipment 367 394 383
D. Electricity, gas, steam and air conditioning supply 593,959 590,511 555,863
E. Water supply; sewerage, waste management and remediation activities 31,849 29,072 30,458
36 – Water collection, treatment and supply 123 120 121
37 – Sewerage 6 6 6
38 – Waste collection, treatment and disposal activities; materials recovery 31,707 28,920 30,306
39 – Remediation activities and other waste management services 13 26 26
F. Construction 157,885 185,577 170,150
41 – Construction of buildings 113,958 140,439 127,899
42 – Civil engineering 41,061 42,258 39,474
43 – Specialized construction activities 2,865 2,880 2,777
G. Wholesale and retail trade; repair of motor vehicles and motorcycles 479,901 508,001 492,051
45 – Wholesale and retail trade and repair of motor vehicles and motorcycles 31,170 34,919 35,667
46 – Wholesale trade, except of motor vehicles and motorcycles 286,153 294,340 284,551
47 – Retail trade, except of motor vehicles and motorcycles 162,578 178,742 171,833
H. Transportation and storage 119,268 125,044 123,874
49 – Land transport and transport via pipelines 62,485 63,327 62,984
50 – Water transport 862 1,252 1,203
51 – Air transport 2,400 2,461 2,304
52 – Warehousing and support activities for transportation 49,107 53,259 53,519
53 – Courier activities other than national post activities 4,413 4,747 3,865
I. Accommodation and food service activities 43,529 42,978 40,977
J. Information and communication 204,626 206,468 198,646
K. Real estate activities 31,691 34,655 35,011
L. Professional, scientific and technical activities 46,979 49,943 48,694
M. Administrative and support service activities 58,123 62,712 62,808
N. Education 33,596 38,692 34,443
O. Human health and social work activities 18,448 19,747 18,903
P. Arts, entertainment and recreation 3,114 3,111 3,101
Q. Other service activities 65,185 67,614 64,665
2. Trust Funds And Non Profit Organizations 13,229 14,024 13,134
3. Personal 990,353 1,009,177 1,015,250
A. Bank Employees 191,141 193,096 193,965
B. Consumer Financing 798,428 815,386 820,537
1) For house building 134,308 143,802 151,161
2) For transport i.e. purchase of car etc 349,106 353,639 352,243
3) Credit cards 63,703 65,143 64,793
4) Consumers durable 8,025 7,809 8,043
5) Personal loans 243,287 244,993 244,297
C) Other 784 695 747
4. Other 2,648 2,636 2,582
Total Credit (1+2) 26,086,770 26,525,629 26,358,664
*Outstanding position at the end of month
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