Islamic Finance in Pakistan (Facts & Figure)

Pakistan: Advances Classified By Securities/ Borrowers (Outstanding Amount in Billion Rs.)
Security/ Borrower	January-2026P
	Foreign Banks	Private Sector Banks	Public Sector Banks	Specialized Banks	All Banks
1. Foreign Constituents	–	0.4	0.3	–	0.7
2. Domestic Constituents	428.1	10,816.3	2,663.8	154.5	14,062.7
I. Government	374.6	796.1	301.9	–	1,472.6
II. Non-Financial Public Sector Enterprises (NFPSE)	–	1,437.5	498.4	–	1,935.9
III. Non-Bank Financial Institutions (NBFIs)	–	389.3	40.9	–	430.2
IV. Private Sector (Business)	53.2	7,083.3	1,531.7	151.3	8,819.5
i. Gold Bullion, Gold, And Silver Ornaments, Precious Metals	–	12.5	117.1	–	129.6
ii. Securities, Shares And Other Financial Instruments	–	61.7	11.1	0.0	72.8
(A) Quoted On Stock Exchange	–	38.0	3.5	–	41.5
(B) Unquoted On The Stock Exchange	–	23.7	7.6	0.0	31.3
iii. Merchandise	1.0	1,984.7	396.5	0.0	2,382.3
(A) Food Items	–	560.0	88.0	0.0	648.0
(B) Raw Materials	0.7	587.5	145.4	–	733.6
(C) Finished / Manufactured Goods	0.3	837.2	163.2	–	1,000.7
iv. Fixed Assets	0.8	1,308.2	339.4	0.0	1,648.5
v. Real Estate	1.0	1,035.5	274.9	145.7	1,457.1
vi. Against Fixed Deposits And Insurance Policies	0.0	248.1	20.3	0.0	268.4
(A) Bank Deposits	0.0	248.0	20.3	0.0	268.4
(B) Insurance Policies	–	0.1	–	–	0.1
vii. Others	48.9	2,391.8	266.5	4.0	2,711.2
(A) Other Secured Advances	3.3	2,108.0	107.2	4.0	2,222.5
(B) Advances Secured By Guarantee (s)	45.6	283.7	159.3	0.0	488.7
viii. Unsecured Advances	–	5.6	108.3	5.5	119.3
V. Trust Funds And Non Profit Organizations	–	8.1	0.5	0.5	9.2
VI. Personal	0.3	1,101.2	289.2	2.7	1,393.5
VII. Other	–	0.8	1.1	–	1.8
Grand total	428.1	10,816.7	2,664.1	154.5	14,063.4

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Pakistan: Break Up Of Deposits (Amount in PKR Billion, Growth in %)
Category	Sep-24	Jun-25	Sep-25	Yearly Growth (%)	Quarterly Growth (%)
Customers (1)
Fixed Deposits	1,148	871	915	(20.3)	5.0
Saving Deposits	2,984	3,492	3,741	25.4	7.1
Current Deposits	2,792	4,025	4,190	50.1	4.1
Others	78	117	98	25.8	(16.4)
Sub-total	7,002	8,505	8,944	27.7	5.2
Financial Institutions (2)
Remunerative Deposits	505	771	612	21.1	(20.6)
Non-remunerative Deposits	89	257	293	229.9	13.8
Sub-total	594	1,028	906	52.4	(11.9)
Total (1+2)	7,596	9,533	9,850	29.7	3.3

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Pakistan: Assets Quality Ratio Of IBI (%)
Ratio	Sep-24	Jun-25	Sep-25	Overall Banking Industry
NPFs to Financing (gross)	4.1	3.5	3.4	6.6
Net NPFs to Net Financing	(0.3)	(0.3)	(0.6)	(0.9)
Provisions to NPFs	105.9	108.2	116.9	112.6

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