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Consumer Finance and Home Remittances (Facts & Figure)

S. Kamal Hayder Kazmi
Consumer Finance and Home Remittances (Facts & Figure)
Pakistan: Credit/Loans Classified By Borrowers (Million Rupees)
(Outstanding position at the end of month) (Based on ISIC 4 Classifications of Private Sector Business)
Description Jun-25 Apr-26P
1. Credit to Government Sector 36,239,017 36,536,267
2. Credit to Non Government Sector (A+B) 12,933,015 13,720,208
A. SBP Credit to Non Govt. Sector 78,823 58,832
B. Scheduled Banks Credit to Non Govt. Sector (I+II+III) 12,854,192 13,661,375
I. Credit to PSEs 2,088,458 2,311,890
II. Credit to NBFIs 848,252 501,331
III. Credit to Private Sector (A+B) 9,917,482 10,848,154
A. Investment in Securities & Shares of Private Sector 246,015 206,619
B. Loans to Private Sector (1-4) 9,671,467 10,641,535
1. Private Sector (Business) 8,424,111 9,166,564
A. Agriculture, forestry and fishing 494,762 594,895
B. Mining and quarrying 88,608 73,302
C. Manufacturing 5,354,889 5,803,496
D. Electricity, gas, steam and air conditioning supply 486,487 389,666
E. Water supply; sewerage, waste management and remediation activities 32,246 43,195
F. Construction 210,346 210,627
G. Wholesale and retail trade; repair of motor vehicles and motorcycles 677,115 827,911
H. Transportation and storage 129,434 173,359
I. Accommodation and food service activities 80,595 94,077
J. Information and communication 552,296 575,301
K. Real estate activities 42,592 45,463
L. Professional, scientific and technical activities 69,863 114,115
69 – Legal and accounting activities 2,437 6,313
70 – Activities of head offices; management consultancy activities 1,545 2,493
71 – Architectural and engineering activities; technical testing and analysis 8,411 10,046
72 – Scientific research and development 3,429 1,847
73 – Advertising and market research 4,056 5,510
74 – Other professional, scientific and technical activities 49,695 87,462
75 – Veterinary activities 291 445
M. Administrative and support service activities 60,985 61,381
N. Education 30,245 29,541
O. Human health and social work activities 16,502 15,537
P. Arts, entertainment and recreation 2,359 4,089
Q. Other service activities 94,786 110,607
2. Trust Funds And Non Profit Organizations 9,314 10,927
3. Personal 1,236,379 1,462,134
A. Bank Employees 322,217 386,998
1) For house building 240,609 295,848
2) For transport i.e. purchase of car etc. 72,631 79,293
3) Other purposes 8,977 11,856
B. Consumer Financing 913,536 1,074,885
1) For house building 207,038 234,761
2) For transport i.e. purchase of car etc 276,606 359,577
3) Credit cards 158,588 192,868
4) Consumers durable 8,594 9,164
5) Personal loans 262,710 278,515
C) Other 626 252
4. Other 1,664 1,909
Total Credit (1+2) 49,172,031 50,256,474
Pakistan: Workers’ Remittances (Million USD)
Details Nov-25 Dec-25 Jan-26 Feb-26 Mar-26 Apr-26
I. Cash Flow 3188.34 3592.44 3464.47 3287.87 3831.41 3538.77
1 USA 277.01 301.72 296.34 319.45 358.82 317.58
2 U.K. 480.66 559.74 574.81 532.11 587.27 563.74
3 Saudi Arabia 753.02 813.05 767.38 685.51 918.79 841.75
4 U.A.E. 675.05 725.81 658.06 696.22 829.91 734.74
Dubai 566.98 565.43 508.64 566.22 591 566.52
Abu Dhabi 89.84 130.13 126.11 101.93 209.18 129.22
Sharjah 5.87 12.75 9.81 12.17 12.5 18.46
Others 12.36 17.5 13.49 15.9 17.22 20.55
5 Other GCC Countries 298.85 333.23 330.54 317.19 366.66 325.48
Bahrain 42.7 50.52 47.42 44.77 56.88 50.27
Kuwait 76.5 77.43 74.69 77.02 83.85 75.1
Qatar 83.86 99.97 102.85 102.8 110.16 105.4
Oman 95.79 105.3 105.59 92.6 115.78 94.71
6 EU Countries 416.64 502.92 482.63 395.47 413.79 432.21
Germany 60.49 75.74 77.55 65.33 65.16 73.36
France 48.94 59.15 55.75 44.58 44.8 44.19
Netherland 8.47 10.84 11.14 9.12 9.5 8.93
Spain 72.39 84.12 81.61 66.17 72.31 74.68
Italy 122.87 149.21 143.75 114.61 121.79 125.56
Greece 47.15 56.9 49.66 39.41 40.82 48.05
Sweden 6.57 9.32 10.67 8.63 10.78 10.26
Denmark 11.58 12.63 7.71 8.06 8.19 7.71
Ireland 21.8 25.51 25.92 22.17 23.02 23.02
Belgium 16.37 19.51 18.86 17.39 17.42 16.45
7 Malaysia 12.92 13.42 12.49 14.45 17.01 13.74
8 Norway 10.37 12.88 13.26 14.35 13.42 13.29
9 Switzerland 5.19 7.45 4.78 5.98 4.41 3.83
10 Australia 85.75 114.94 110.23 101.05 105.42 96.88
11 Canada 59.66 70.95 67.33 73.79 80.74 64.23
12 Japan 4.71 6.12 5.41 5.82 6.74 5.81
13 South Africa 15.62 27.63 29.35 21.02 24.62 22.24
14 South Korea 8.58 9.36 9.32 9.13 8.36 8.85
15 Other Countries 84.33 93.24 102.54 96.32 95.45 94.41
II. Encashment and Profit in Pak. Rs. of Foreign Exchange Bearer Certificates (FEBCs) & Foreign Currency Bearer Certificates (FCBCs) – – – – – –
Total (I+II) 3188.34 3592.44 3464.47 3287.87 3831.41 3538.77
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