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Banking Sector in Pakistan (Facts & Figure)

S. Kamal Hayder Kazmi
PAGE Annual 2025 (Facts & Figure)
Pakistan: Financial Soundness Indicators Of The Banking System (%)
Indicators Sep-24 Dec-24 Mar-25 Jun-25
CAPITAL ADEQUACY
Risk Weighted CAR
Public Sector Commercial Banks 23.1 24.6 24.6 24.3
Local Private Banks 20.1 18.7 19.4 19.6
Foreign Banks 44.5 43.0 44.9 53.0
Commercial Banks 21.3 20.4 20.9 21.1
Specialized Banks 34.8 38.5 38.9 42.2
All Banks 21.5 20.6 21.2 21.4
Tier 1 Capital to RWA
Public Sector Commercial Banks 17.7 18.6 18.9 18.4
Local Private Banks 15.5 14.7 15.7 15.5
Foreign Banks 43.0 42.3 44.7 52.6
Commercial Banks 16.7 16.1 17.0 16.9
Specialized Banks 31.2 35.4 35.9 39.0
All Banks 16.9 16.4 17.3 17.2
Capital to Total Assets
Public Sector Commercial Banks 5.4 6.3 6.2 6.2
Local Private Banks 5.8 6.0 6.1 5.8
Foreign Banks 8.8 9.1 12.1 12.0
Commercial Banks 5.8 6.2 6.3 6.1
Specialized Banks 10.3 15.2 15.8 20.2
All Banks 5.9 6.3 6.4 6.2
ASSET QUALITY
NPLs to Total Loans
Public Sector Commercial Banks 16.0 13.0 12.6 14.3
Local Private Banks 6.6 5.0 5.8 5.9
Foreign Banks 0.1 0.1 0.3 0.1
Commercial Banks 8.2 6.2 7.0 7.3
Specialized Banks 26.2 19.6 17.9 13.4
All Banks 8.4 6.3 7.1 7.4
Provisions to NPLs
Public Sector Commercial Banks 93.7 96.4 115.9 96.8
Local Private Banks 107.5 109.9 110.7 111.6
Foreign Banks 191.1 239.9 482.3 351.3
 Commercial Banks 102.5 105.1 112.5 106.4
Specialized Banks 63.4 57.1 79.8 96.6
All Banks 101.2 103.9 111.7 106.2
Net NPLs to Net Loans
Public Sector Commercial Banks 1.2 0.5 -2.3 0.5
Local Private Banks -0.5 -0.5 -0.7 -0.7
Foreign Banks -0.1 -0.1 -1.0 -0.2
Commercial Banks -0.2 -0.3 -0.9 -0.5
Specialized Banks 11.5 9.4 4.2 0.5
All Banks -0.1 -0.3 -0.9 -0.5
Net NPLs to Capital
Public Sector Commercial Banks 4.5 2.1 -8.3 1.8
Local Private Banks -2.2 -2.7 -2.8 -2.9
Foreign Banks -0.2 -0.3 -0.7 -0.5
Commercial Banks -0.9 -1.6 -3.7 -1.8
Specialized Banks 17.2 12.5 5.4 0.7
All Banks -0.4 -1.2 -3.4 -1.8
Investment in Equities to Capital
Public Sector Commercial Banks 11.0 14.4 8.6 8.5
Local Private Banks 0.6 1.0 1.5 1.8
Foreign Banks 0.0 0.0 0.0 0.0
Commercial Banks 2.5 3.5 2.7 2.9
Specialized Banks 0.3 0.0 0.0 0.0
All Banks 2.4 3.4 2.6 2.8
Gross Asset Position in Financial Derivatives to Capital
Public Sector Commercial Banks 0.1 0.1 0.0 0.1
Local Private Banks 1.0 0.7 0.4 0.5
Foreign Banks 6.9 7.6 1.7 2.4
Commercial Banks 1.2 1.0 0.4 0.6
Specialized Banks 0.0 0.0 0.0 0.0
All Banks 1.2 0.9 0.4 0.6
Gross Liability Position in Financial Derivatives to Capital
Public Sector Commercial Banks 0.5 0.1 0.0 0.0
Local Private Banks 1.7 1.2 0.4 0.5
Foreign Banks 21.4 25.0 9.7 2.0
Commercial Banks 2.7 2.5 0.9 0.5
Specialized Banks 0.0 0.0 0.0 0.0
All Banks 2.7 2.4 0.9 0.5
EARNINGS
Return on Assets (Before Tax)
Public Sector Commercial Banks 0.6 1.1 2.1 2.1
Local Private Banks 3.2 3.0 2.9 2.9
Foreign Banks 4.6 4.7 6.3 5.6
Commercial Banks 2.7 2.7 5.7 2.9
Specialized Banks 2.3 3.5 3.5 4.7
All Banks 2.7 2.7 2.9 2.9
Return on Assets (After Tax)
Public Sector Commercial Banks 0.3 0.5 1.0 1.0
Local Private Banks 1.5 1.4 1.3 1.3
Foreign Banks 2.4 2.4 3.4 2.7
Commercial Banks 1.3 1.3 2.6 1.3
Specialized Banks 1.1 1.7 1.8 2.2
All Banks 1.3 1.3 1.3 1.3
ROE (Avg. Equity& Surplus) (Before Tax)
Public Sector Commercial Banks 10.7 19.3 36.5 35.4
Local Private Banks 54.7 52.6 49.6 50.1
Foreign Banks 51.0 52.4 120.2 52.0
Commercial Banks 46.3 46.4 95.4 47.5
Specialized Banks 17.2 25.0 19.4 24.0
All Banks 45.4 45.8 47.0 46.8
ROE (Avg. Equity &Surplus) (After Tax)
Public Sector Commercial Banks 5.6 9.5 16.9 16.6
Local Private Banks 26.9 24.5 22.4 22.6
Foreign Banks 26.5 26.9 65.2 24.6
Commercial Banks 22.9 21.8 44.0 21.6
Specialized Banks 8.7 12.2 9.8 11.1
All Banks 22.5 21.5 21.7 21.3
NII/Gross Income
Public Sector Commercial Banks 71.7 70.0 84.3 82.1
Local Private Banks 79.5 78.8 81.1 79.7
Foreign Banks 93.4 86.5 92.6 82.4
Commercial Banks 79.2 78.0 82.2 80.2
Specialized Banks 64.2 62.5 74.4 66.9
All Banks 79.0 77.7 82.1 80.0
Cost/Income Ratio
Public Sector Commercial Banks 59.0 54.2 43.6 46.1
Local Private Banks 42.3 43.3 44.8 45.2
Foreign Banks 10.8 11.5 8.0 9.9
Commercial Banks 42.8 43.4 42.9 43.9
Specialized Banks 43.9 40.5 47.1 43.3
All Banks 42.9 43.3 42.9 43.9
Trading Income to Gross Income#
Public Sector Commercial Banks 8.6 9.4 1.8 3.7
Local Private Banks 3.1 4.1 2.8 3.3
Foreign Banks 0.8 2.4 2.7 3.7
Commercial Banks 3.7 4.7 2.6 3.4
Specialized Banks 5.9 5.7 1.7 3.1
All Banks 3.7 4.7 2.6 3.4
Personnel Expenses to Non-interest Expenses
Public Sector Commercial Banks 47.7 44.6 58.6 56.1
Local Private Banks 37.9 37.4 38.3 36.9
Foreign Banks 41.0 44.1 40.2 38.6
Commercial Banks 39.5 38.6 41.6 40.1
Specialized Banks 50.8 53.7 54.2 52.0
All Banks 39.6 38.8 41.8 40.2
LIQUIDITY
Liquid Assets/Total Assets
Public Sector Commercial Banks 74.1 66.0 69.2 69.5
Local Private Banks 64.1 57.8 63.1 66.7
Foreign Banks 77.7 78.4 89.0 73.8
Commercial Banks 66.7 60.2 65.0 67.4
Specialized Banks 73.2 68.1 67.7 61.5
All Banks 66.7 60.3 65.1 67.4
Liquid Assets/Total Deposits
Public Sector Commercial Banks 119.4 107.0 110.8 100.4
Local Private Banks 97.8 95.7 102.6 106.8
Foreign Banks 200.1 202.6 176.3 152.2
Commercial Banks 104.6 100.8 106.1 106.6
Specialized Banks 916.0 649.7 605.1 501.4
All Banks 106.1 101.9 107.1 107.3
Liquid Assets/Short term Liabilities
Public Sector Commercial Banks 109.3 96.0 97.7 103.4
Local Private Banks 116.8 102.5 109.6 112.0
Foreign Banks 91.3 94.3 110.7 92.5
Commercial Banks 113.5 100.6 107.1 109.5
Specialized Banks 94.0 97.5 99.1 100.5
All Banks 113.1 100.6 107.0 109.4
Advances/Deposits
Public Sector Commercial Banks 32.5 40.1 35.1 30.4
Local Private Banks 36.4 51.7 41.2 35.8
Foreign Banks 50.5 49.8 16.7 48.9
Commercial Banks 36.0 49.4 39.4 35.0
Specialized Banks 191.7 191.9 182.0 209.7
All Banks 36.3 49.7 39.7 35.3
Customer Deposits to Total Loans
Public Sector Commercial Banks 243.9 209.4 242.2 261.7
Local Private Banks 244.0 174.3 217.2 244.1
Foreign Banks 193.4 197.6 582.2 201.4
Commercial Banks 242.3 180.9 225.6 246.0
Specialized Banks 42.2 45.5 46.4 40.9
All Banks 240.1 179.7 223.8 243.9
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