Consumer Finance (Facts & Figures)

Pakistan: Quantum Index Of Selected Large-Scale Manufacturing Items (YOY Growth) (Base Year: FY2016) (P)
S. No.	Descriptions of Items	Weight	Adjusted Weight	Jul-Mar		Mar
				FY23	FY24	2023	2024
A	Manufacturing of Food	10.69	13.64	-8.86	1.69	-42.45	-5.80
B	Manufacturing of Beverages	3.84	4.91	-2.79	-3.43	5.36	-27.29
C	Manufacturing of Tobacco	2.07	2.64	-23.78	-33.59	-49.69	35.65
D	Manufacturing of Textile	18.16	23.17	-16.04	-8.27	-30.71	5.23
E	Manufacture of Wearing Apparel	6.08	7.76	42.15	5.41	-8.78	18.18
F	Manufacturing of Leather Products	1.23	1.57	2.49	5.32	-6.70	7.37
G	Manufacturing of Wood Products	0.18	0.23	-66.22	12.09	-5.97	12.69
H	Manufacturing of Paper & Board	1.63	2.08	-5.06	-1.96	-16.92	6.46
I	Manufacturing of Coke & Petroleum Products	6.66	8.50	-10.24	4.85	-16.06	12.82
J	Manufacturing of Chemicals	6.48	8.26	-6.09	7.95	-15.66	11.60
K	Manufacturing of Pharmaceuticals Products	5.15	6.58	-23.06	23.19	-27.09	-0.50
L	Manufacturing of Rubber Products	0.24	0.31	-8.08	3.60	-12.80	9.66
M	Manufacturing of Non Metalic Mineral Products	5.01	6.39	-10.54	-3.89	-20.80	-3.48
N	Manufacturing of Iron & Steel Products	3.45	4.40	-4.02	-2.20	-5.07	-10.77
O	Manufacture of Fabricated Metal	0.42	0.54	-13.83	-5.42	-21.81	0.99
P	Manufacture of Computer, Electronics and Optical Products	0.03	0.03	-26.52	-15.99	-37.78	-2.74
Q	Manufacture of Electrical Equipment	2.05	2.61	-11.15	-7.47	-24.46	-3.27
R	Manufacture of Machinery and Equipment N.E.C	0.39	0.50	-45.74	61.54	-25.01	13.67
S	Manufacturing of Automobiles	3.10	3.96	-42.18	-37.41	-67.20	3.38
T	Manufacture of Other Transport Equipment	0.69	0.88	-39.01	-10.00	-49.49	17.06
U	Manufacture of Furniture	0.51	0.65	55.51	23.13	11.91	-22.27
V	Other Manufacturing (Football)	0.32	0.40	30.58	1.34	7.19	12.85
Overall		78.37	100.00	-6.99	-0.10	-26.35	2.04

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Credit/Loans Classified By Borrower (Personal)* (Rs in Million)
Description	Jun-22	Apr-23	Jun-23	Apr-24P
Personal	1,123,425	1,121,391	1,126,498	1,121,436
A. Bank Employees	222,442	252,919	266,074	318,211
1) For house building	171,731	196,437	207,683	249,805
2) For transport	46,550	50,485	51,980	60,071
3) Other purposes	4,160	5,997	6,410	8,335
B. Consumer Financing	900,103	867,766	859,731	802,616
1) For house building	200,765	213,047	212,315	205,925
2) For transport i.e. purchase of car etc	367,845	309,099	293,728	235,689
3) Credit cards	72,738	88,713	93,775	115,949
4) Consumers durable	7,326	6,777	7,280	6,955
5) Personal loans	251,428	250,130	252,633	238,097
C) Other	881	707	693	609
*(Outstanding position at the end of month)

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Pakistan’s Core Inflation (%) (BASE 2015-16)
Period	NFNE				Trimmed
	Urban		Rural		Urban		Rural
	YoY	MoM	YoY	MoM	YoY	MoM	YoY	MoM
Apr-2023	19.5	1.8	24.9	2.7	28.6	1.5	37.3	2.0
May-2023	20.0	1.2	26.9	2.5	30.5	1.5	38.8	2.0
Jun-2023	18.5	0.7	25.2	0.9	22.9	0.8	29.9	0.1
Jul-2023	18.4	1.2	24.6	1.2	21.7	1.9	28.7	2.4
Aug-2023	18.4	1.8	25.9	2.8	23.0	1.5	30.5	1.4
Sep-2023	18.6	1.0	27.3	2.6	25.0	1.1	33.3	1.7
Oct-2023	18.5	1.2	26.7	1.0	24.6	0.6	30.4	0.7
Nov-2023	18.6	0.9	25.9	1.4	22.9	0.1	27.9	0.5
Dec-2023	18.2	0.8	25.1	0.9	23.3	0.3	28.0	0.7
Jan-2024	17.8	1.1	24.6	1.2	22.1	1.0	25.8	1.2
Feb-2024	15.5	0.3	21.9	0.4	16.0	0.3	21.3	0.4
Mar-2024	12.8	0.1	20.0	0.8	14.8	0.6	18.4	0.9
Apr-2024	13.1	2.1	19.3	2.0	13.4	0.5	15.0	0.6