| Pakistan: Industry Progress And Market Share (Amount in Rs billion) | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Particulars | Islamic Banking IndustryProgress | Growth (YoY) | Share in Overall Banking Industry (%) | ||||||
| Sep-23 | Jun-24 | Sep-24 | Sep-23 | Jun-24 | Sep-24 | Sep-23 | Jun-24 | Sep-24 | |
| Assets | 8,416 | 9,689 | 9,881 | 21.9 | 19.4 | 17.4 | 19.6 | 18.8 | 19.0 |
| Deposits | 6,160 | 7,363 | 7,596 | 22.7 | 25.4 | 23.3 | 22.5 | 22.7 | 23.2 |
| Investments (net) | 3,928 | 4,489 | 4,803 | 39.2 | 29.3 | 22.3 | 16.9 | 14.5 | 15.2 |
| Financing (net) | 3,026 | 3,449 | 3,252 | 1.4 | 3.8 | 7.5 | 26.1 | 28.6 | 27.3 |
| Number of Islamic Banking Institutions | 22 | 22 | 22 | – | – | – | – | – | – |
| Number of Branches | 4,666 | 5,196 | 5,333 | 11.3 | 14.6 | 14.3 | – | – | – |
| Number of Islamic Banking Windows | 1,893 | 2,066 | 2,170 | 29.0 | 12.6 | 14.6 | – | – | – |
| *number includes sub-branches | |||||||||
| Source: Data submitted by banks under quarterly Reporting Chart of Accounts (RCOA) | |||||||||
| Sector Wise Financing (Share in %) | ||||
|---|---|---|---|---|
| Sector | Sep-23 | Jun-24 | Sep-24 | Overall Banking Industry |
| Chemical and Pharmaceuticals | 5.0 | 5.9 | 6.3 | 3.7 |
| Agribusiness | 11.7 | 13.1 | 14.3 | 9.5 |
| Textile | 17.6 | 15.1 | 16.6 | 15.8 |
| Cement | 2.8 | 2.2 | 2.1 | 1.8 |
| Sugar | 2.0 | 4.3 | 3.0 | 3.0 |
| Shoes and leather garments | 0.4 | 0.5 | 0.3 | 0.3 |
| Automobile and transportation equipment | 1.3 | 1.1 | 1.1 | 1.6 |
| Financial | 1.5 | 0.7 | 1.0 | 4.0 |
| Electronics and electrical appliances | 0.7 | 1.1 | 1.1 | 1.2 |
| Production and transmission of energy | 11.3 | 10.9 | 7.7 | 12.8 |
| Individuals | 11.2 | 9.8 | 10.2 | 7.9 |
| Others | 34.5 | 35.3 | 36.3 | 38.4 |
| Total | 100 | 100 | 100 | 100 |
| Break Up Of Deposits (Amount in PKR Billion, Growth in %) | |||||
|---|---|---|---|---|---|
| Category | Sep-23 | Jun-24 | Sep-24 | Yearly Growth (%) | Quarterly Growth (%) |
| 1. Customers | |||||
| Fixed Deposits | 999 | 1,091 | 1,148 | 14.9 | 5.2 |
| Saving Deposits | 2,167 | 2,751 | 2,984 | 37.7 | 8.5 |
| Current Deposits | 2,317 | 2,737 | 2,792 | 20.5 | 2.0 |
| Others | 114 | 129 | 78 | (31.6) | (39.6) |
| Sub-total | 5,597 | 6,708 | 7,002 | 25.1 | 4.4 |
| 2. Financial Institutions | |||||
| Remunerative Deposits | 532 | 617 | 506 | (4.9) | (17.9) |
| Non-remunerative Deposits | 31 | 38 | 89 | 187.0 | 134.2 |
| Sub-total | 563 | 655 | 594 | 5.5 | (9.3) |
| Total (1+2) | 6,160 | 7,363 | 7,596 | 23.3 | 3.2 |
| Client Wise Financing Portfolio (Share in %) | ||||
|---|---|---|---|---|
| Details | Sep-23 | Jun-24 | Sep-24 | Overall Banking Industry |
| Corporate Sector | 72.1 | 69.8 | 69.0 | 68.2 |
| SMEs | 1.6 | 1.9 | 2.0 | 4.1 |
| Agriculture | 1.0 | 1.4 | 1.2 | 3.9 |
| Consumer Finance | 9.9 | 7.8 | 8.4 | 6.2 |
| Commodity Financing | 13.4 | 16.7 | 14.0 | 9.7 |
| Others | 2.0 | 2.4 | 5.4 | 7.9 |
| Total | 100.0 | 100.0 | 100.0 | 100.0 |
| Assets Quality Ratio (%) | ||||
|---|---|---|---|---|
| Ratio | Sep-23 | Jun-24 | Sep-24 | Overall Banking Industry |
| NPFs to Financing (gross) | 3.6 | 3.7 | 4.1 | 8.4 |
| Net NPFs to Net Financing | (0.10) | (0.73) | (0.90) | (0.10) |
| Provisions to NPFs | 103.7 | 119.2 | 120.3 | 101.2 |
| Quarterly Growth Rates Of GDP Of Pakistan* (%) | ||||||
|---|---|---|---|---|---|---|
| S. No. | Sector/ Industry | 2023-24 | 2024-25 | |||
| Q1 | Q2 | Q3 | Q4 | Q1 | ||
| A. | Agriculture Sector | 8.09 | 5.59 | 3.77 | 7.27 | 1.15 |
| B. | Industrial Sector | -4.43 | -1.92 | 3.46 | -3.65 | -1.03 |
| C | Services Sector | 2.16 | 1.48 | 1.85 | 3.94 | 1.43 |
| D. | Total of GVA (A+B+C) | 2.30 | 1.80 | 2.58 | 3.33 | 0.92 |
| *(at constant basic prices of 2015-16) | ||||||