| Mode Wise Financing (Share in %) | |||
|---|---|---|---|
| Mode | Sep-21 | Jun-22 | Sep-22 |
| Murabaha | 15.9 | 15.6 | 15.7 |
| Ijarah | 4.8 | 4.7 | 4.6 |
| Musharaka | 22.0 | 22.9 | 22.9 |
| Diminishing Musharakah | 35.1 | 33.9 | 35.2 |
| Salam | 1.7 | 2.1 | 1.4 |
| Istisna | 6.9 | 8.0 | 8.4 |
| Others | 13.6 | 12.8 | 11.8 |
| Total | 100 | 100 | 100 |
| Islamic Finance: Profitability Ratios (%) | ||||
|---|---|---|---|---|
| Particulars | Sep-21 | Jun-22 | Sep-22 | Overall Banking Industry |
| Profit before tax (PKR billion) | 66.4 | 73.4 | 124.5 | 487.0 |
| ROA before tax | 1.9 | 2.4 | 2.6 | 2.0 |
| ROE before tax | 31.3 | 42.6 | 46.4 | 33.0 |
| Operating Expense to Gross Income | 50.7 | 46.4 | 44.0 | 49.7 |
| Islamic Finance : Liquidity Ratios (%) | ||||
|---|---|---|---|---|
| Ratios | Sep-21 | Jun-22 | Sep-22 | Overall Banking Industry |
| Liquid Assets to Total Assets | 27.0 | 40.4 | 40.8 | 57.0 |
| Liquid Assets to Total Deposits | 34.5 | 56.4 | 56.1 | 82.7 |
| Financing to Deposits (Net) | 59.3 | 61.0 | 59.4 | 46.4 |
| Break Up Of Deposits (Amount in PKR Billion, Growth in %) | |||||
|---|---|---|---|---|---|
| Category | Sep-21 | Jun-22 | Sep-22 | Yearly Growth (%) |
Quarterly Growth (%) |
| 1. Customers | |||||
| Fixed Deposits | 642 | 872 | 927 | 44.4 | 6.3 |
| Saving Deposits | 1,448 | 1,621 | 1,688 | 16.6 | 4.1 |
| Current Deposits | 1,405 | 1,892 | 1,878 | 33.7 | (0.7) |
| Others | 43 | 72 | 81 | 88.4 | 12.5 |
| Sub-total | 3,538 | 4,456 | 4,574 | 29.3 | 2.6 |
| 2. Financial Institutions | |||||
| Remunerative Deposits | 272 | 383 | 431 | 58.5 | 12.5 |
| Non-remunerative Deposits | 12 | 17 | 16 | 33.3 | (5.9) |
| Sub-total | 284 | 400 | 447 | 57.4 | 11.8 |
| Total (1+2) | 3,822 | 4,856 | 5,021 | 31.4 | 3.4 |
| Sector Wise Financing (Share in %) | ||||
|---|---|---|---|---|
| Sector | Sep-21 | Jun-22 | Sep-22 | Overall Banking Industry |
| Chemical & pharmaceuticals | 3.7 | 4.3 | 4.6 | 3.7 |
| Agribusiness | 11.5 | 13.5 | 13.6 | 8.7 |
| Textile | 15.1 | 15.7 | 16.4 | 16.1 |
| Cement | 3.1 | 2.2 | 2.7 | 2.3 |
| Sugar | 1.8 | 3.5 | 2.3 | 2.3 |
| Shoes and leather garments | 0.5 | 0.4 | 0.5 | 0.5 |
| Automobile & transportation equipment | 1.2 | 1.5 | 1.5 | 1.9 |
| Financial | 0.2 | 0.5 | 0.4 | 3.0 |
| Insurance | 0.0 | 0.0 | 0.0 | 0.0 |
| Electronics & electrical appliances | 1.1 | 1.1 | 1.0 | 1.4 |
| Production & transmission of energy | 12.1 | 11.5 | 10.9 | 13.3 |
| Individuals | 11.6 | 12.4 | 12.4 | 10.0 |
| Others | 38.2 | 33.4 | 33.6 | 36.8 |
| Total | 100 | 100 | 100 | 100 |