Quarterly Compendium:

Statistics of the
Banking System

[ December 2011]

State Bank of Pakistan

CONTENTS

1.

Statistics of the Overall Banking System ........................................................................................................ 1

1.1: Key variables of Balance Sheet and Profit & Loss Statement ............................................................... 2
1.2: Growth Rates of Key Variables and Key Financial Soundness Indicators (FSIs).......................... 2
1.3: Group wise Balance Sheets and Income Statements of Banks ............................................................. 3
1.4: Financial Soundness Indicators* ...................................................................................................................... 4
1.5: Banks category-wise key variables ................................................................................................................ 6
1.6: Concentration in the Banking System ............................................................................................................ 8

Asset Quality:........................................................................................................................................................................... 9
1.7: Asset Quality Indicators of the Banking System ........................................................................................ 9
1.8: Segment-wise Advances and Non Performing Loans (NPLs)* ........................................................... 11
1.9: Sector-wise Advances and Non Performing Loans (NPLs)* ................................................................ 11
Soundness & Resilience: ................................................................................................................................................. 12
1.10: Category-wise Profitability of the Banking System ............................................................................. 12
1.11: Category-wise Profitability Indicators of the Banking System ....................................................... 12
1.12: Break-up of Mark-up/Return/Interest Earned ..................................................................................... 13
1.13: Distribution of Banks by Capital Adequacy Ratio (CAR) ................................................................... 13
1.14: Capital Structure and Capital Adequacy of All Banks and DFIS ...................................................... 14
1.15: Stress Testing Results of the Banking System ........................................................................................ 15
1.16: List of Banks ......................................................................................................................................................... 16
2.

Islamic Banking .......................................................................................................................................................... 17

2.1: Group-wise Balance Sheets and Income Statements of Islamic Banks/Branches ..................... 18
2.2: Financial Soundness Indicators of Islamic Banking* ............................................................................. 19
2.3: List of Islamic Banks ............................................................................................................................................ 20

3.

Development Finance Institutions .................................................................................................................. 21

3.1: Balance Sheets and Income Statements of DFIs ....................................................................................... 22
3.2: Financial Soundness Indicators of DFIs....................................................................................................... 23
3.3: List of Development Finance Institutions ................................................................................................... 24

For Queries & Comments:

Nizamuddin Arshad

[ Nizamuddin@sbp.org.pk ]

Farrukh Bashir

[ Farrukh.bashirsatti@sbp.org.pk ]

Ghulam Khadija

[ Ghulam.Khadija@sbp.org.pk ]

Quarterly Compendium: Banking Statistics

1. Statistics of the Overall Banking System

Quarterly Compendium: Banking Statistics

Table 1.1: Key variables of Balance Sheet and Profit & Loss Statement
Column1
CY07 CY08 CY09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11
Total Assets
5,172 5,628 6,516 6,435 6,782 6,626 7,138
7,190
Investments (net)
1,276 1,087 1,737 1,787 1,893 1,873 2,142
2,285
Advances (net)
2,688 3,173 3,240 3,170 3,231 3,167 3,349
3,335
Deposits
3,854 4,218 4,786 4,774 5,128 5,021 5,450
5,421
Equity
544
563
660
660
668
656
697
697
Profit Before Tax (ytd)
107
63
81
29
59
80
111
39
Profit After Tax (ytd)
73
43
54
18
36
49
65
25
Provisioning Charges (ytd)
60
106
97
15
30
50
70
14
Non-Performing Loans
218
359
446
457
460
494
548
574
Non-Performing Loans (net)
30
109
134
133
123
143
182
191
Note: Statistics for Mar, Jun, Sep and Dec are based on un-audited accounts submitted by banks.
The statistics of profits and provision charges are on year-to-date (ytd) basis.

billion Rupees
Jun-11 Sep-11 Dec-11
7,715 7,763 8,207
2,620 2,845 3,053
3,383 3,263 3,341
5,965 5,769 6,238
723
753
784
77
116
170
51
76
110
30
44
52
579
613
607
186
210
202

Table 1.2: Growth Rates of Key Variables and Key Financial Soundness Indicators (FSIs)
CY07

CY08

CY08

CY09

Dec-10

Mar-11

Growth Rates
YoY
YoY
YoY
YoY QoQ YoY QoQ YoY
Assets
18.8
8.8
8.8
15.8
7.7
9.3
0.7 11.7
Loans (Net)
10.7
18.0
18.3
2.1
5.7
3.1 (0.4) 5.2
Deposits
18.4
9.4
9.4
13.5
8.5 13.9 (0.5) 13.5
Investments (Net)
53.1
(14.8) (15.4) 59.9 14.3 22.2 6.7 27.9
Equity
35.3
3.4
3.4
17.3
6.3
5.4
0.0
5.6
KEY FSIs:
CY07 CY08 CY08 CY09
Dec-10
Mar-11
13.6
Capital Adequacy Ratio
12.3
12.2
12.3
14.0
14.0
Capital to Total Assets
10.5
10.0
10.0
10.1
9.8
9.7
NPLs to Loans (Gross)
7.6
10.5
10.5
12.6
14.7
15.4
Net NPLs to Net Loans
1.1
3.4
3.4
4.1
5.4
5.7
ROA (Before Tax)
2.2
1.2
1.2
1.3
1.7
2.2
ROE^ (Before Tax)
22.6
11.4
11.4
13.2
16.7
22.4
Liquid Assets/ Total Deposits
45.1
37.7
38.2
44.5
45.9
47.3
Advances to Deposit Ratio
69.7
75.2
75.5
67.7
61.4
61.5
^ Based on Average Equity plus Surplus on Revaluation.
Note: Growth rates for Mar, Jun, Sep and Dec, are based on un-audited quarterly results.

Jun-11

Sep-11

QoQ YoY
7.3
13.7
1.4
4.7
10.0 16.3
14.7 38.4
3.6
8.1
Jun-11
14.1
9.4
15.3
5.5
2.1
21.8
49.5
56.7

QoQ YoY
0.6
17.2
(3.6) 3.0
(3.3) 14.9
8.6
51.9
4.2
14.9
Sep-11
14.9
9.7
16.7
6.4
2.1
21.5
54.5
56.6

Percent
Dec-11
QoQ YoY
5.7
15.0
2.4
(0.2)
8.1
14.5
7.3
42.5
4.1
12.4
Dec-11
14.6
9.6
16.2
6.0
2.2
23.4
58.4
53.6

Quarterly Compendium: Banking Statistics

Table 1.3: Group wise Balance Sheets and Income Statements of Banks
(December 31, 2011)
million Rupees
Financial Position
ASSETS
Cash & Balances With Treasury Banks
Balances With Other Banks
Lending To Financial Institutions
Investments - Net
Advances - Net
Operating Fixed Assets
Deferred Tax Assets
Other Assets
TOTAL ASSETS
LIABILITIES
Bills Payable
Borrowings From Financial Institution
Deposits And Other Accounts
Sub-ordinated Loans
Liabilities Against Assets Subject To Finance Lease
Deferred Tax Liabilities
Other Liabilities
TOTAL LIABILITIES
NET ASSETS
NET ASSETS REPRESENTED BY:
Share Capital
Reserves
Unappropriated Profit
Share Holders' Equity
Surplus/Deficit On Revaluation Of Assets
TOTAL

PSCB

LPB

FB

CB

SB

All Banks

121,884
40,331
58,124
478,061
691,432
32,391
21,985
141,512
1,585,721

504,595
129,638
122,921
2,441,659
2,489,002
194,596
53,099
279,720
6,215,231

38,573
4,428
18,354
113,332
66,370
1,954
5,330
7,090
255,430

665,052
174,398
199,399
3,033,052
3,246,805
228,941
80,414
428,321
8,056,382

4,226
13,088
800
19,583
93,905
5,208
749
12,980
150,539

669,278
187,486
200,199
3,052,635
3,340,710
234,149
81,163
441,301
8,206,921

12,302
74,668
1,241,838
85
3,559
89,332
1,421,784
163,937

70,460
503,421
4,810,643
54,322
7
9,623
200,100
5,648,576
566,655

4,017
21,450
167,911
9
111
18,157
211,656
43,774

86,780
599,540
6,220,393
54,322
100
13,293
307,589
7,282,016
774,365

431
81,030
17,754
3,405
14
262
38,151
141,047
9,492

87,211
680,570
6,238,147
57,727
114
13,555
345,740
7,423,064
783,857

41,414
43,540
61,379
146,334
17,603
163,937

353,898
77,903
91,873
523,674
42,981
566,655

40,024
126
3,796
43,945
(171)
43,774

PROFIT AND LOSS STATEMENT

PSCB

LPB

FB

Mark-Up/ Return/Interest Earned

Mark-Up/ Return/Interest Expenses
Net Mark-Up / Interest Income
Provisions & Bad Debts Written Off Directly/(Reversals)
Net Mark-Up / Interest Income After Provision
Fees, Commission & Brokerage Income
Dividend Income
Income From Dealing In Foreign Currencies
Other Income
Total Non - Markup / Interest Income

127,549
77,233
50,315
10,713
39,602
10,838
2,197
3,507
6,368
22,911
62,513
36,982
608
37,590
24,923
24,923
8,582
16,340

583,959
311,270
272,689
38,926
233,763
35,194
9,560
17,231
15,914
77,898
311,662
171,267
3,997
175,264
136,397
136,397
47,552
88,846

23,954
12,186
11,767
1,352
10,415
1,802
4,390
(1,530)
4,662
15,077
9,612
65
9,677
5,400
(239)
5,639
1,993
3,647

Administrative Expenses
Other Expenses
Total Non-Markup/Interest Expenses
Profit before Tax and Extra ordinary Items
Extra ordinary/unusual Items - Gain/(Loss)
PROFIT/ (LOSS) BEFORE TAXATION
Less: Taxation
PROFIT/ (LOSS) AFTER TAX
* Un-audited results.

435,336
121,569
157,048
713,953
60,412
774,365
CB
735,462
400,690
334,772
50,991
283,781
47,834
11,757
25,129
20,751
105,471
389,252
217,861
4,670
222,531
166,720
(239)
166,960
58,127
108,833

15,508
10,956
(21,780)
4,684
4,808
9,492
SB
11,053
4,628
6,425
1,168
5,257
34
100
(0)
3,831
3,965
9,222
6,664
(4)
6,660
2,562
5.03
2,557
1,003
1,554

450,844
132,525
135,268
718,637
65,220
783,857
All Banks
746,514
405,318
341,197
52,159
289,037
47,868
11,857
25,129
24,583
109,436
398,473
224,526
4,665
229,191
169,282
(234.11)
169,516
59,129
110,387

Absolute change
QoQ
YoY
95,438
16,743
(4,541)
207,179
77,761
2,527
(4,099)
53,002
444,010
349
(84,855)
469,558
1,904
(21)
506
25,892
413,333
30,677
13,977
3,294
22,932
40,203
(9,526)
30,677

109,813
2,280
(18,947)
910,804
(8,081)
9,922
8,615
54,861
1,069,267
13,993
130,005
788,181
3,230
(50)
1,938
45,262
982,558
86,709
72,203
(31,763)
48,380
88,820
(2,112)
86,709

Change (YoY)
113,693
60,768
52,925
(17,632)
70,556
2,902
5,090
5,129
(1,468)
11,653
82,209
23,166
1,483
24,649
57,560
(695.77)
58,256
13,294
44,962

Quarterly Compendium: Banking Statistics

Table 1.4: Financial Soundness Indicators*

Percent
Indicators
CAPITAL ADEQUACY
Risk Weighted CAR**
Public Sector Commercial Banks
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
Tier 1 Capital to RWA
Public Sector Commercial Banks
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
Capital to Total Assets
Public Sector Commercial Banks
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
ASSET QUALITY
NPLs to Total Loans
Public Sector Commercial Banks
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
Provision to NPLs
Public Sector Commercial Banks
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
Net NPLs to Net Loans
Public Sector Commercial Banks
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
Net NPLs to Capital
Public Sector Commercial Banks
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks
EARNINGS
Return on Assets (Before Tax)
Public Sector Commercial Banks
Local Private Banks
Foreign Banks
Commercial Banks
Specialized Banks
All Banks

2006

2007

2008

2009

Dec-10

Mar-11

Jun-11

Sep-11 Dec-11

15.2
12.7
15.0
13.3
-8.3
12.7

16.1
11.8
14.6
12.8
-6.2
12.3

13.4
11.9
21.8
12.6
-4.9
12.2

15.1
13.9
23.0
14.5
-1.5
14.0

13.2
13.5
25.0
13.8
7.2
13.6

12.8
14.1
25.2
14.2
8.0
14.1

13.2
15.0
29.4
15.1
7.3
14.9

13.1
14.5
31.4
14.7
8.9
14.6

11.1
10.4
14.3
10.8
-13.3
10.0

12.2
9.9
14.0
10.5
-12.5
10.0

10.9
10.0
21.3
10.6
-10.1
10.1

12.6
11.4
22.5
12.0
-5.8
11.6

12.8
14.2
24.6
14.2
4.7
14.0
0.0
10.7
12.0
24.3
12.1
-0.9
11.8

10.9
11.4
24.7
11.7
1.4
11.4

10.8
12.0
25.0
12.2
2.0
11.9

11.0
12.8
29.1
12.9
1.6
12.6

11.7
12.5
31.2
12.8
3.4
12.6

12.2
9.2
10.1
9.9
-8.0
9.4

13.7
10.2
11.2
10.9
-5.4
10.5

10.7
10.0
14.5
10.3
-3.2
10.0

11.3
9.9
14.8
10.4
-1.7
10.1

11.1
9.4
14.8
9.9
2.4
9.8

11.3
9.2
14.5
9.8
4.8
9.7

10.5
8.9
15.1
9.4
5.7
9.4

11.1
9.2
16.6
9.8
5.0
9.7

10.3
9.1
17.1
9.6
6.3
9.6

9.0
5.2
1.0
5.7
39.1
6.9

8.4
6.5
1.6
6.7
34.3
7.6

16.3
8.7
2.9
9.9
28.8
10.5

16.9
11.1
6.7
12.1
25.5
12.6

22.9
12.2
9.8
14.3
28.4
14.7

23.6
13.0
9.1
15.0
27.6
15.4

21.5
13.2
9.0
14.8
31.1
15.3

25.2
13.9
10.1
16.3
30.9
16.7

23.8
13.6
10.3
15.8
30.2
16.2

84.5
78.7
191.7
81.5
64.1
77.8

89.0
88.5
157.0
89.1
68.6
86.1

66.9
70.2
81.9
69.3
72.4
69.6

67.8
71.0
75.2
70.1
65.7
69.9

54.1
72.6
86.5
66.9
64.2
66.7

51.2
73.4
87.0
66.6
67.6
66.7

53.8
74.7
88.8
68.5
59.2
67.9

47.2
75.3
88.6
66.1
61.6
65.8

50.1
75.1
90.4
67.2
60.1
66.8

1.5
1.1
-1.0
1.1
18.7
1.6

1.0
0.8
-0.9
0.8
14.0
1.1

6.1
2.7
0.5
3.3
10.0
3.4

6.1
3.5
1.8
4.0
10.5
4.1

12.0
3.7
1.4
5.2
12.5
5.4

13.1
3.8
1.3
5.6
11.0
5.7

11.2
3.7
1.1
5.2
15.5
5.5

15.1
3.8
1.3
6.2
14.7
6.4

13.5
3.8
1.1
5.8
14.7
6.0

6.4
7.1
-5.1
6.2

3.4
4.1
-4.1
3.7

30.3
15.9
1.6
17.9

27.4
17.4
4.4
18.8

9.7

5.6

19.4

20.4

49.9
18.6
4.4
24.6
26.1

54.2
19.3
4.4
26.2
27.4

50.2
17.9
2.0
24.0
25.7

63.9
17.1
1.9
26.3
27.8

56.7
16.6
1.7
24.3
25.7

4.0
3.1
3.2
3.2
-1.3
3.1

3.5
2.0
1.5
2.3
1.4
2.2

0.6
1.3
0.0
1.1
3.2
1.2

1.5
1.3
-0.3
1.3
3.1
1.3

1.8
1.7
0.3
1.6
2.4
1.7

1.9
2.3
0.3
2.2
1.0
2.2

1.8
2.2
2.2
2.1
1.1
2.1

1.6
2.2
2.3
2.1
0.3
2.1

1.7
2.4
2.3
2.2
1.8
2.2

Quarterly Compendium: Banking Statistics

Financial Soundness Indicators* contd:

Indicators
2006
Return on Assets (After Tax)
Public Sector Commercial Banks
2.7
Local Private Banks
2.1
Foreign Banks
2.1
Commercial Banks
2.2
Specialized Banks
(1.8)
All Banks
2.1
ROE (Avg. Equity& Surplus) (Before Tax)
Public Sector Commercial Banks
32.4
Local Private Banks
36.2
Foreign Banks
30.0
Commercial Banks
34.7
Specialized Banks
All Banks
35.2
ROE (Avg. Equity &Surplus) (After Tax)
Public Sector Commercial Banks
21.7
Local Private Banks
25.0
Foreign Banks
20.4
Commercial Banks
23.7
Specialized Banks
All Banks
23.8
NII/Gross Income
Public Sector Commercial Banks
69.5
Local Private Banks
73.5
Foreign Banks
65.8
Commercial Banks
72.1
Specialized Banks
40.1
All Banks
70.9

2007

2008

2009

Dec-10

Mar-11

Jun-11

Sep-11 Dec-11

2.5
1.4
0.7
1.6
0.7
1.5

0.5
0.9
0.3
0.8
1.8
0.8

1.3
0.9
(0.3)
0.9
1.2
0.9

0.9
1.0
0.1
1.0
1.5
1.0

1.3
1.4
0.1
1.4
1.0
1.4

1.2
1.4
1.6
1.4
1.1
1.4

1.1
1.4
1.6
1.4
0.3
1.4

1.1
1.5
1.5
1.5
1.1
1.5

27.2
20.4
13.1
21.8
22.6

5.2
12.9
0.0
10.6
11.4

13.3
13.2
(2.4)
12.4
13.2

16.3
16.8
2.7
16.2
16.7

17.1
24.4
2.7
22.4
22.4

16.6
23.8
14.8
21.8
21.8

14.8
24.2
15.3
21.7
21.5

15.9
25.8
14.5
23.1
23.4

19.5
13.8
6.0
15.0
15.4

4.4
8.5
2.2
7.3
7.8

11.4
8.6
(2.3)
8.6
8.9

8.7
10.1
1.5
9.5
9.8

11.6
15.5
1.5
14.4
14.4

11.0
15.4
10.9
14.2
14.3

10.2
15.6
10.7
14.2
14.1

10.5
16.8
9.4
15.0
15.2

65.9
70.7
59.1
69.2
42.8
68.2

65.4
73.2
61.3
71.2
46.6
70.3

63.0
75.9
64.8
73.3
44.7
72.4

67.6
77.3
69.3
75.3
52.1
74.7

73.1
77.7
75.3
76.9
66.1
76.6

70.2
77.5
72.9
76.2
64.6
75.9

70.6
78.2
71.7
76.7
65.3
76.5

68.7
77.8
71.6
76.0
61.8
75.7

Cost / Income Ratio

Public Sector Commercial Banks
31.8
30.2
39.1
47.5
48.1
49.5
49.2
52.4
51.3
Local Private Banks
40.7
45.4
51.6
50.1
53.3
49.4
50.2
50.0
50.0
Foreign Banks
49.8
57.0
69.6
77.5
63.8
62.0
62.2
58.5
58.9
Commercial Banks
39.4
42.8
50.0
50.9
52.8
49.9
50.5
50.7
50.5
Specialized Banks
62.6
53.2
52.1
61.3
59.1
65.5
69.8
66.8
64.1
All Banks
40.3
43.2
50.1
51.2
53.0
50.3
51.0
51.1
50.9
LIQUIDITY
Liquid Assets/Total Assets
Public Sector Commercial Banks
33.9
37.0
30.6
31.1
31.8
31.6
29.9
31.6
38.1
Local Private Banks
31.1
32.5
26.8
32.3
35.0
35.8
39.6
41.9
45.5
Foreign Banks
41.0
41.6
45.2
55.0
65.5
62.5
65.2
67.6
68.2
Commercial Banks
32.2
33.8
28.3
32.9
35.3
36.0
38.5
40.9
44.8
Specialized Banks
23.0
27.9
24.5
19.8
20.1
19.2
22.4
19.3
22.0
All Banks
31.9
33.6
28.2
32.7
35.0
35.7
38.2
40.5
44.4
Liquid Assets/Total Deposits
Public Sector Commercial Banks
42.6
47.1
38.9
40.1
39.7
41.6
37.1
41.7
48.7
Local Private Banks
40.6
42.9
35.0
43.4
45.1
46.3
50.4
55.4
58.8
Foreign Banks
61.1
61.1
71.6
82.4
97.9
94.0
95.3
98.7
103.7
Commercial Banks
42.0
44.3
37.1
44.0
45.5
46.9
49.1
54.1
58.0
Specialized Banks
205.4
247.7
229.4
167.1
161.4
181.4
181.2
187.2 186.5
All Banks
42.7
45.1
37.7
44.5
45.9
47.3
49.5
54.5
58.4
Advances/Deposits
Public Sector Commercial Banks
64.6
60.0
68.4
65.2
57.7
61.7
58.1
62.0
55.7
Local Private Banks
74.5
70.1
75.1
66.6
61.2
60.3
55.1
54.1
51.7
Foreign Banks
80.1
75.2
68.9
56.1
47.6
47.6
40.8
36.9
39.5
Commercial Banks
72.7
73.8
73.6
66.0
59.9
60.0
55.3
55.1
52.2
Specialized Banks
528.4
507.3
577.0
560.8
526.6
622.6
517.8
628.1 528.9
All Banks
74.6
69.7
75.2
67.7
61.4
61.5
56.7
56.6
53.6
* Source: FSIs are prepared on the basis of annual audited accounts except for quarter ended Dec-10 , Mar-11 and Jun -11 which are based
on unaudited Quarterly Report of Condition (QRC) submitted by banks.
** Data of IDBP,PPCBL, and SME is based on Basel I.

Quarterly Compendium: Banking Statistics

Table 1.5: Banks category-wise key variables

All Banks
billion Rupees
CY03
Paid up Capital
Equity
Deposits
Liabilities
Advances (net of Provision)
Investments (net of Provisions)
Assets
Income
Expense
Profit bofore tax
Profit after tax
* Un-audited results.

CY04
98
202
2,393
2,841
1,574
679
3,043
168
116
52
35

CY05
106
292
2,832
3,367
1,991
800
3,660
271
177
94
63

CY06
168
402
3,255
3,951
2,428
833
4,353
385
262
124
84

CY03
18,536
58,862.00
799,359.00
900,571.00
365,187.00
346,246.00
959,434.00
57,346
41,205.00
16,141
9,365

CY04
7,945
56,856
544,817
596,167
270,884
176,159
653,023
34,660
20,437
14,223
7,952

CY05
9,773
92,712
578,060
631,739
345,514
188,088
724,450
52,968
30,328
22,640
15,379

CY06
CY07
CY08
CY09
Dec-10* Mar-11* Jun-11*
12,278
16,671
18,544
21,339
34,030
34,030
37,394
102,043 142,270 111,986 139,219 151,134 153,395 153,546
665,642 812,856 819,683 952,373 1,087,745 1,027,260 1,183,100
734,145 893,622 930,324 1,090,831 1,206,836 1,198,112 1,315,176
429,716 487,362 560,666 620,596 627,726 633,314 687,759
179,883 296,670 204,784 297,689 350,702 384,143 396,274
836,189 1,035,892 1,042,310 1,230,050 1,357,970 1,351,507 1,468,723
73,519
90,970 103,421 119,979 132,870
34,417
72,172
41,961
57,748
96,855 103,218 110,348
27,898
59,532
31,558
33,222
6,566
16,762
22,522
6,519
12,640
21,192
23,851
5,644
14,372
12,019
4,397
8,433

CY03
30,232
64,273.00
953,507.00
1,147,357.00
554,722.00
389,798.00
1,211,630.00
76,326
52,481.00
23,845
14,813

CY04
58,130
128,308
1,603,996
1,851,966
1,080,089
465,459
1,980,274
105,596
74,523
31,073
21,782

CY05
59,376
176,569
1,992,987
2,306,329
1,413,072
523,376
2,482,898
177,860
117,198
60,662
41,188

78
140.08
1,963.59
2,402.19
1,107.65
786.65
2,542.28
167
123.43
44
25

CY07
248
544
3,854
4,627
2,688
1,276
5,172
475
368
107
73

CY08
281
563
4,218
5,065
3,173
1,087
5,628
582
519
63
43

CY09
325
660
4,786
5,856
3,240
1,737
6,516
690
609
81
54

Dec-10*
379
697
5,450
6,441
3,349
2,142
7,138
731
619
111
65

Mar-11*
362
697
5,421
6,492
3,335
2,285
7,190
203
163
39
25

Jun-11*
374
723
5,965
6,992
3,383
2,620
7,715
413
336
77
51

Sep-11*
437
753
5,769
7,010
3,263
2,845
7,763
622
507
116
76

Dec-11*
451
784
6,238
7,423
3,341
3,053
8,207
856
686
170
110

Public Sector Commercial Banks

million Rupees
Paid up Capital
Equity
Deposits
Liabilities
Advances (net of Provision)
Investments (net of Provisions)
Assets
Income
Expense
Profit bofore tax
Profit after tax
* Un-audited results.

Sep-11*
Dec-11*
41,114
41,414
159,714
163,937
1,090,594 1,241,838
1,278,386 1,421,784
675,883
691,432
419,153
478,061
1,438,100 1,585,721
108,585
150,459
91,464
125,536
17,120
24,923
11,830
16,340

Local Private Banks

million Rupees
Paid up Capital
Equity
Deposits
Liabilities
Advances (net of Provision)
Investments (net of Provisions)
Assets
Income
Expense
Profit bofore tax
Profit after tax
* Un-audited results.

CY06
124,252
287,882
2,425,781
2,886,107
1,807,163
598,435
3,173,989
273,918
187,158
86,760
59,490

CY07
199,547
389,726
2,909,310
3,446,053
2,039,623
936,764
3,835,779
348,149
278,615
69,530
47,263

CY08
214,571
421,074
3,236,220
3,799,764
2,429,934
847,045
4,220,838
437,498
385,022
52,477
34,704

CY09
253,015
487,719
3,655,994
4,417,543
2,435,792
1,373,082
4,905,262
524,275
463,734
60,541
39,265

Dec-10*
295,257
507,855
4,188,197
4,895,750
2,562,263
1,696,712
5,403,606
556,987
473,582
83,405
50,179

Mar-11*
278,499
501,821
4,215,698
4,951,354
2,540,368
1,802,769
5,453,175
156,676
125,844
30,833
19,578

Jun-11*
286,639
523,717
4,595,919
5,331,805
2,534,501
2,115,413
5,855,523
318,073
257,186
60,887
39,289

Sep-11*
340,655
543,412
4,486,292
5,379,583
2,429,069
2,307,956
5,922,995
482,373
388,249
94,124
60,809

Dec-11*
353,898
566,655
4,810,643
5,648,576
2,489,002
2,441,659
6,215,231
661,858
525,460
136,397
88,846

Quarterly Compendium: Banking Statistics

Foreign Banks
million Rupees
Paid up Capital
Equity
Deposits
Liabilities
Advances (net of Provision)
Investments (net of Provisions)
Assets
Income
Expense
Profit bofore tax
Profit after tax
* Un-audited results.

CY03
20,058
26,889.00
193,845.00
244,659.00
123,762.00
43,844.00
271,548.00
18,724
11,653.00
7,071
4,180

CY04
20,053
27,184
226,976
276,711
159,172
30,949
303,896
17,872
10,659
7,212
5,816

CY05
23,111
32,202
244,955
307,176
168,439
67,383
339,378
30,300
18,741
11,559
8,035

CY06
17,469
22,686
150,093
201,081
120,223
38,477
223,783
24,107
17,784
6,323
4,288

CY07
17,085
19,373
117,561
153,339
88,455
26,427
172,711
20,169
17,733
2,435
1,122

CY08
32,130
33,971
147,938
200,590
101,921
22,593
234,562
24,005
23,998
7
651

CY09
34,885
35,739
160,936
205,297
90,325
52,373
241,037
27,741
28,591
(850)
(809)

Dec-10*
33,847
34,698
156,331
199,125
65,627
79,863
233,823
25,069
22,835
2,234
1,352

Mar-11*
34,115
35,541
162,884
209,346
68,957
79,571
244,887
6,848
5,520
1,328
864

Jun-11*
34,949
36,968
167,910
208,326
68,438
87,888
245,294
13,893
11,256
2,637
1,943

Sep-11*
39,590
42,917
176,939
215,475
65,267
97,280
258,392
21,575
17,276
4,299
3,007

CY03
9,243
(9,942.00)
16,878.00
109,607.00
63,977.00
6,764.00
99,666.00
14,785
18,088.00
(3,302)
(3,677)

CY04
12,185
(9,971)
17,356
115,755
64,303
6,890
105,784
9,896
10,256
(360)
(871)

CY05
13,946
(9,106)
15,861
121,961
63,554
21,380
112,855
9,531
10,626
(1,095)
(1,300)

CY06
14,452
(10,214)
13,491
129,173
70,617
16,581
118,959
13,944
14,710
(766)
(1,075)

CY07
14,849
(6,931)
14,320
134,125
72,647
15,926
127,193
15,943
14,272
1,671
875

CY08
15,506
(4,163)
13,883
134,332
80,114
12,147
130,178
17,039
12,888
4,151
2,317

CY09
15,507
(2,424)
16,588
142,414
93,031
13,819
139,990
17,612
13,392
4,220
1,617

Dec-10*
15,507
3,461
17,693
138,795
93,174
14,553
142,256
15,678
12,579
3,099
1,876

Mar-11*
15,507
6,716
14,856
133,552
92,493
18,653
140,268
4,696
4,172
524
504

Jun-11*
15,508
8,286
17,915
136,774
92,759
20,675
145,060
8,834
7,692
1,142
1,159

Sep-11*
15,508
7,137
14,763
136,287
92,730
21,067
143,424
9,879
9,534
345
339

Dec-11*
40,024
43,774
167,911
211,656
66,370
113,332
255,430
28,615
22,976
5,639
3,647

Specialized Banks
million Rupees
Paid up Capital
Equity
Deposits
Liabilities
Advances (net of Provision)
Investments (net of Provisions)
Assets
Income
Expense
Profit bofore tax
Profit after tax
* Un-audited results.

Dec-11*
15,508
9,492
17,754
141,047
93,905
19,583
150,539
15,018
12,461
2,557
1,554

Quarterly Compendium: Banking Statistics

Table 1.6: Concentration in the Banking System

(December 31, 2011)
Percent
Indicators

Top 5 Banks

6-10 Banks 11-20 Banks 21-28 Banks

FBs

SBs

Industry

Asset
Share of Total Assets
Share of Total Investments
of which investment in Government Securities

50.7
50.0
83.6

22.7
23.6
86.3

18.2
18.6
82.2

3.5
3.5
86.3

3.1
3.7
99.9

1.8
0.6
78.8

100
100
85

Advances:public

70.8

17.7

8.4

2.8

0.2

0.1

100

Advances:private

48.8

22.1

20.5

2.9

2.2

3.5

100

Sectoral Distribution of Loans

Corporate Sector
SMEs
Agriculture
Consumer Finance
Commodity Financing
Staff Loans
Others
Total

49.5
45.9
30.6
57.0
66.6
56.0
85.0
51.8

23.2
18.7
9.1
22.5
21.3
19.6
8.1
21.5

21.5
30.9
5.2
11.8
9.5
14.1
1.3
18.8

3.1
1.1
0.0
5.9
2.6
3.1
0.3
2.9

2.4
0.2
0.0
2.7
0.0
3.0
5.1
2.0

0.2
3.2
55.0
0.0
0.0
4.1
0.3
3.1

100
100
100
100
100
100
100
100

NPLs / Gross Loans

Net NPLs / Capital

14.3
15.9

17.3
46.3

19.5
44.7

9.3
11.2

10.3
1.7

30.2
145.3

16.2
25.7

52.9
45.2
55.9
34.9
50.6
94.8

23.6
23.2
24.0
33.7
26.4
2.2

17.3
23.3
14.6
28.3
17.5
0.9

3.3
4.2
2.9
1.1
4.3
0.3

2.7
3.9
2.2
1.2
0.8
1.8

0.3
0.2
0.3
0.7
0.5
0.0

100
100
100
100
100
100

15.6
13.4
10.5
53.7

10.5
8.0
7.2
19.0

11.8
10.7
7.6
19.1

19.9
19.4
16.0
4.3

31.4
31.2
17.1
2.8

8.9
3.4
6.3
2.6

14.6
12.6
9.6
100

75.5
77.8
22.2
11.9

12.9
76.8
23.2
14.9

4.9
66.3
33.7
9.1

1.9
83.4
16.6
-0.6

3.3
71.6
28.4
8.2

1.5
61.8
38.2
11.2

100
75.7
24.3
11.6

44.3
55.8
52.5

44.8
56.9
49.4

41.5
57.4
57.4

48.2
66.5
49.9

68.2
103.7
39.5

22.0
186.5
528.9

44.4
58.4
53.6

Advances

Liabilities
Share of Total Deposits
Customer Fixed Deposits
Customer CASA
Customer Deposits others
Financial Institutions Remunerative Deposits
Financial Institutions Non-Remunerative Deposits
Capital Adequacy
Capital/RWA (Capital Adequacy Ratio)
Tier 1 Capital / RWA
Net Worth / Total Assets
Share of Risk Weighted Assets
Earning & Profitability
Profit/Loss (Before Tax)
Net Interest Income / Gross Income
Non-Interest Expense / Gross Income
Provision Expense to Gross Income
Liquidity
Liquid Assets / Total Assets
Liquid Assets / Total Deposits
Advances to deposits ratio
* Un-audited results.

Quarterly Compendium: Banking Statistics

Asset Quality:
Table 1.7: Asset Quality Indicators of the Banking System
Banking System: Selected Indicators of Asset Quality
million Rupees
Advances
NPLs
Provision
Advances (net)
Net NPLs
* Un-audited results.

CY05
2,126,844
177,433
136,264
1,990,580
41,169

CY06
2,564,055
176,766
137,672
2,427,719
39,094

CY07
2,875,686
217,998
187,603
2,688,087
30,395

CY08
3,422,549
359,238
249,914
3,172,636
109,324

CY09
3,551,331
446,005
311,588
3,239,744
134,417

Dec-10*
3,714,312
547,770
365,521
3,348,791
182,249

Mar-11*
3,717,394
573,524
382,262
3,335,132
191,262

Jun-11*
3,776,682
579,197
393,226
3,383,457
185,972

Sep-11*
3,666,535
613,219
403,587
3,262,949
209,632

CY09
12,152
63,905
77,809
292,138
446,005

Dec-10*
13,601
56,146
66,264
411,758
547,770

Mar-11*
12,786
59,850
64,349
436,539
573,524

Jun-11*
16,686
60,464
58,963
443,084
579,197

Sep-11*
15,811
68,984
63,223
465,200
613,219

Dec-11*
3,746,149
607,145
405,440
3,340,710
201,705

Banking System: Break up of Non Performing Loans (NPLs)

million Rupees
OAEM
Sub Standard
Doubtful
Loss
Total
* Un-audited results.

CY05
6,890
17,405
12,206
140,814
177,315

CY06
12,660
17,718
17,429
128,959
176,766

CY07
8,999
36,520
24,248
148,233
217,999

CY08
11,558
78,503
67,877
201,301
359,238

Dec-11*
15,560
60,369
64,037
467,180
607,145

Banking System: Break up of Provisions against Advances (specific)

million Rupees
OAEM
Sub Standard
Doubtful
Loss
Total
* Un-audited results.

CY05
64
3,097
4,926
113,354
121,441

CY06
176
3,516
6,670
107,147
117,508

CY07
715
9,366
12,454
144,173
166,708

CY08
743
17,490
29,782
185,746
233,761

CY09
13,666
32,386
251,691
297,743

Dec-10*
12,417
30,363
304,892
347,673

Mar-11*
12,287
30,073
321,382
363,742

Jun-11*
13,278
28,221
333,347
374,847

Sep-11*
13,113
28,515
345,230
386,858

CY07
526,566
2,163,480
90,666
2,780,712
94,974
2,875,686

CY08
629,389
2,587,530
104,440
3,321,360
101,189
3,422,549

CY09
700,902
2,643,594
95,113
3,439,608
111,723
3,551,331

Dec-10*
716,562
2,812,114
71,677
3,600,353
113,958
3,714,312

Mar-11*
720,467
2,808,356
74,864
3,603,688
113,706
3,717,394

Jun-11*
777,606
2,811,008
74,385
3,662,999
113,683
3,776,682

Sep-11*
767,053
2,713,250
71,674
3,551,977
114,559
3,666,535

CY09
118,400
292,780
6,369
417,549
28,456
446,005

Dec-10*
164,195
344,183
6,996
515,373
32,396
547,770

Mar-11*
170,345
365,026
6,789
542,160
31,364
573,524

Jun-11*
166,915
370,244
6,701
543,860
35,337
579,197

Sep-11*
193,214
377,334
7,230
577,778
35,441
613,219

Dec-11*
10,558
29,521
349,816
389,895

Category-wise Break up of Banks' Advances

million Rupees
PSCBs
LPBs
FBs
CBs
SBs
Industry
* Un-audited results.

CY05
378,514
1,486,297
171,466
2,036,277
90,567
2,126,844

CY06
465,065
1,881,906
122,626
2,469,597
94,459
2,564,055

Dec-11*
785,014
2,773,211
73,215
3,631,440
114,709
3,746,149

Category-wise Break up of Banks' Non Performing Loans (NPLs)

million Rupees
PSCBs
LPBs
FBs
CBs
SBs
Industry
* Un-audited results.

CY05
38,018
95,672
2,074
135,765
41,668
177,433

CY06
41,841
96,475
1,253
139,568
37,198
176,766

CY07
44,054
139,997
1,409
185,460
32,538
217,998

CY08
102,656
224,395
3,077
330,128
29,110
359,238

Dec-11*
186,606
378,369
7,574
572,548
34,597
607,145

Quarterly Compendium: Banking Statistics

Category-wise Banks' Provisions

million Rupees
PSCBs
LPBs
FBs
CBs
SBs
Industry
* Un-audited results.

CY05
32,999
73,225
3,027
109,252
27,012
136,264

CY06
35,349
76,080
2,403
113,831
23,841
137,672

CY07
39,204
123,855
2,211
165,271
22,332
187,603

CY08
68,723
157,598
2,519
228,839
21,075
249,914

CY09
80,305
207,803
4,788
292,896
18,692
311,588

Dec-10*
88,836
249,851
6,050
344,737
20,784
365,521

Mar-11*
87,154
267,988
5,907
361,049
21,213
382,262

Jun-11*
89,848
276,507
5,947
372,302
20,924
393,226

Sep-11*
91,170
284,180
6,407
381,758
21,829
403,587

CY08
560,666
2,429,934
101,922
3,092,522
80,114
3,172,636

CY09
620,596
2,435,792
90,325
3,146,713
93,031
3,239,744

Dec-10*
627,726
2,562,263
65,627
3,255,617
93,174
3,348,791

Mar-11*
633,314
2,540,368
68,957
3,242,639
92,493
3,335,132

Jun-11*
687,759
2,534,501
68,438
3,290,698
92,759
3,383,457

Sep-11*
675,883
2,429,069
65,267
3,170,219
92,730
3,262,949

Dec-10*
75,359
94,332
946
170,637
11,612
182,249

Mar-11*
83,192
97,039
881
181,111
10,151
191,262

Jun-11*
77,067
93,737
754
171,558
14,414
185,972

Sep-11*
102,044
93,154
822
196,020
13,612
209,632

Dec-11*
93,582
284,208
6,845
384,635
20,804
405,440

Category-wise Banks' Advanes (net of provisions)

million Rupees
PSCBs
LPBs
FBs
CBs
SBs
Industry
* Un-audited results.

CY05
345,514
1,413,072
168,439
1,927,026
63,554
1,990,580

CY06
429,716
1,807,163
120,223
2,357,102
70,617
2,427,719

CY07
487,362
2,039,623
88,455
2,615,440
72,647
2,688,087

Dec-11*
691,432
2,489,002
66,370
3,246,805
93,905
3,340,710

Category-wise Banks' Non Performing Loans-NPLs (net of provisions)

million Rupees
PSCBs
LPBs
FBs
CBs
SBs
Industry
* Un-audited results.

CY05
5,019
22,447
(952)
26,513
14,655
41,169

CY06
6,492
20,395
(1,150)
25,737
13,356
39,094

CY07
4,850
16,142
(803)
20,189
10,206
30,395

CY08
33,934
66,797
558
101,289
8,035
109,324

CY09
38,095
84,977
1,581
124,653
9,764
134,417

Dec-11*
93,023
94,161
729
187,913
13,792
201,705

10

Quarterly Compendium: Banking Statistics

Table 1.8: Segment-wise Advances and Non Performing Loans (NPLs)*

amount in million Rupees, ratio in percent
Dec-10

Corporate Sector
SMEs Sector
Agriculture Sector
Consumer sector
i. Credit cards
ii. Auto loans
iii. Consumer durable
iv. Mortgage loans
v. Other personal loans
Commodity financing
Staff Loans
Others
Total
* Un-audited results.

Advances
2,329,440
346,986
169,315
259,625
26,244
57,341
1,003
65,330
109,707
457,247
77,535
74,164
3,714,312

Sep-11

NPLs
357,717
97,205
30,359
43,879
5,114
5,839
109
15,506
17,311
5,907
1,293
11,410
547,770

Infection
Ratio
15.4
28.0
17.9
16.9
19.5
10.2
10.8
23.7
15.8
1.3
1.7
15.4
14.7

Advances
2,345,911
277,613
174,693
244,450
23,935
48,383
609
58,694
112,828
467,965
75,415
80,488
3,666,535

Dec-11

NPLs
415,502
97,789
35,964
45,568
4,777
5,166
104
16,626
18,895
5,051
1,356
11,989
613,219

Infection
Ratio
17.7
35.2
20.6
18.6
20.0
10.7
17.0
28.3
16.7
1.1
1.8
14.9
16.7

Advances
2,419,390
303,685
176,860
242,235
23,406
46,785
126
57,774
114,144
437,555
75,771
90,652
3,746,149

NPLs
414,240
95,501
34,105
44,965
4,822
4,868
100
16,534
18,642
4,883
1,395
12,056
607,145

Infection
Ratio
17.1
31.4
19.3
18.6
20.6
10.4
79.1
28.6
16.3
1.1
1.8
13.3
16.2

Table 1.9: Sector-wise Advances and Non Performing Loans (NPLs)*

amount in million Rupees, ratio in percent
Dec-10
Advances
Agribusiness
220,907
Automobile/Transportation
47,709
Cement
94,983
Chemical & Pharmaceuticals
143,357
Electronics
61,619
Financial
41,548
Individuals
446,106
Insurance
1,470
Others
1,504,600
Production/Transmission of Energy 350,434
Shoes & Leather garments
22,850
Sugar
73,565
Textile
705,164
Total
3,714,312
* Un-audited results.

NPLs
14,511
10,987
17,570
11,396
23,730
7,907
71,784
1
188,026
13,283
2,859
14,245
171,472
547,770

Sep-11
Infection
Ratio
Advances
6.6
324,933
23.0
50,380
18.5
82,872
7.9
137,823
38.5
56,949
19.0
58,339
16.1
339,266
0.1
1,087
12.5 1,501,109
3.8
396,337
12.5
24,872
19.4
94,968
24.3
597,600
14.7 3,666,535

NPLs
38,442
11,081
18,897
13,531
29,121
8,382
54,141
1
218,315
16,835
3,068
12,975
188,431
613,219

Dec-11
Infection
Ratio
Advances
11.8
312,087
22.0
53,727
22.8
81,119
9.8
146,899
51.1
60,347
14.4
70,533
16.0
336,181
0.1
508
14.5 1,519,573
4.2
369,929
12.3
30,930
13.7
84,022
31.5
680,293
16.7 3,746,149

NPLs
36,504
10,928
18,804
13,821
30,358
8,424
53,521
1
210,332
14,934
3,128
12,233
194,158
607,145

Infection
Ratio
11.7
20.3
23.2
9.4
50.3
11.9
15.9
0.2
13.8
4.0
10.1
14.6
28.5
16.2

11

Quarterly Compendium: Banking Statistics

Soundness & Resilience:

Table 1.10: Category-wise Profitability of the Banking System
CY05

billion Rupees
CY09 Dec-10* Mar-11* Jun-11* Sep-11* Dec-11*

CY06

CY07

CY08

22.8
31.5
60.5
85.6
11.6
6.3
94.9 123.5
(1.1)
0.1
93.8 123.6

33.2
69.5
2.4
105.2
1.7
106.9

6.6
52.5
0.0
59.0
4.2
63.2

16.8
60.5
(0.9)
76.5
4.2
80.7

22.5
83.4
2.2
108.2
3.1
111.3

6.5
30.8
1.3
38.6
0.5
39.2

12.6
60.9
2.6
76.2
1.1
77.3

17.1
94.1
4.3
115.5
0.3
115.9

24.9
136.4
5.6
167.0
2.6
169.5

23.9
47.3
1.1
72.2
0.9
73.1

5.6
34.7
0.6
41.0
2.3
43.3

14.4
39.3
(0.8)
52.8
1.6
54.4

12.0
50.2
1.4
63.5
1.9
65.4

4.4
19.6
0.8
24.9
0.5
25.3

8.4
39.3
1.9
49.7
1.2
50.8

11.8
60.8
3.0
75.6
0.3
76.0

16.3
88.8
3.6
108.8
1.6
110.4

Profit Before Tax

PSCBs
LPBs

FBs
CBs

SBs
All Banks
Profit After Tax
PSCBs

15.5
41.1
8.0
64.6
(1.3)
63.3

LPBs
FBs

CBs
SBs

All Banks

21.2
59.1
4.3
84.6
(0.5)
84.1

* Un-audited results.

Table 1.11: Category-wise Profitability Indicators of the Banking System

Dec-10* Mar-11* Jun-11*

Percent
Sep-11* Dec-11*

CY05

CY06

CY07

CY08

CY09

PSCBs

3.3

4.0

3.5

0.6

1.5

1.8

1.9

1.8

1.6

LPBs

2.7

3.1

2.0

1.3

1.3

1.7

2.3

2.2

2.2

2.4

FBs

3.6

3.2

1.5

0.0

-0.3

0.3

0.3

2.2

2.3

2.3

Before Tax ROA

1.7

CBs

2.9

3.2

2.3

1.1

1.3

1.6

2.2

2.1

2.1

2.2

SBs

-1.0

-1.3

1.4

3.2

3.1

2.4

1.0

1.1

0.3

1.8

All Banks
2.8
3.1
2.2
1.2
1.3
Before Tax ROE (based on Equity plus Surplus on Revaluation)
PSCBs
30.7
32.4
27.2
5.2
13.3

1.7

2.2

2.1

2.1

2.2

16.3

17.1

16.6

14.8

15.9

LPBs

16.8

24.4

23.8

24.2

25.8

40.1

36.2

20.4

12.9

13.2

FBs

38.9

30.0

13.1

0.0

-2.4

2.7

2.7

14.8

15.3

14.5

CBs

37.2

34.7

21.8

10.6

12.4

16.2

22.4

21.8

21.7

23.1

SBs

All Banks

38.2

35.2

22.6

11.4

13.2

16.7

22.4

21.8

21.5

23.4

* Un-audited results.

12

Quarterly Compendium: Banking Statistics

Table 1.12: Break-up of Mark-up/Return/Interest Earned

amount in billion Rupees, share in percent
Items
Loans & advances
Investments
Deposits, repo and others
Total

Dec-09
Dec-10
Mar-11
Jun-11
Amount
%
Amount % Amount
%
Amount
412.1
69.7
404.1 63.9
107.1
60.3
214.1
148.4
25.1
198
31
63
35.6
131.6
30.6
5.2
30.4
4.8
7.3
4.1
14.3
591.1
100
633 100
177.6
100
359.9

Sep-11
%
Amount %
59.5 312.2
57.5
36.6 210.2
38.7
4.0
20.2
3.7
100.0 542.7 100.0

Dec-11
Amount
422.7
297.1
26.6
746.5

%
56.6
39.8
3.6
100.0

* Un-audited results.

Table 1.13: Distribution of Banks by Capital Adequacy Ratio (CAR)

Less than 10
10 to 15
Over 15
Total

CY05 CY06 CY07 CY08 CY09 Dec-10* Mar-11* Jun-11* Sep-11* Dec-11*
9
7
9
9
6
6
6
5
5
5
13
15
12
10
15
12
13
12
8
12
17
17
18
21
19
20
19
21
25
21
39
39
39
40
40
38
38
38**
38
38

* Un-audited results.
**While amalgamation of MyBank with and into Summit bank Ltd came into effect on Jun 29, 2011, both banks reported their results for
Jun-11 quarter separately.

13

Quarterly Compendium: Banking Statistics

Table 1.14: Capital Structure and Capital Adequacy of All Banks and DFIS
(December 31, 2011)
million Rupees
All Banks and DFIs
Equity
1.1
1.2
1.3

Fully Paid-up Capital/Capital Deposited with SBP

Balance in Share Premium Account
Reserve for issue of Bonus shares
General Reserves as disclosed on the Balance Sheet (including statutory
reserve)
Un-appropriated/Unremitted profits (net of accumulated losses, if any)
Sub-Total (1.1 to 1.5)

1.4
1.5
1.6
Deductions
1.7
Goodwill
1.8
Shortfall in Provisions required against Classified assets
1.9
Deficit on account of revaluation of AFS investment
1.10
Any increase in equity capital resulting from a securitization transaction
1.11
Investments in TFCs of other banks
1.12
Other Deductions
1.13
Sub-Total (1.7 to 1.12)
1.14
Total Eligible Tier 1 capital(1.6 less 1.13)
Supplementary Capital
Freely available General Provisions or reserves for loan losses-upto
maximum of 1.25% of Risk Weighted Assets
2.1
2.2
2.3
2.4
2.5
2.6
Deductions
2.7
2.8
2.9
2.10
2.11
2.13
3.1
3.2
3.3
3.4
4.1
4.2
4.3

5.1
5.2
5.3
5.4
5.5
5.6
5.7

Revaluation reserves eligible upto 45%

Foreign Exchange Translation Reserves
Undisclosed reserves
Subordinated debt-upto maximum of 50% of total equity
Total Tier 2 Supplementary Capital(2.1 to 2.5)
Other deductions
Total Deductions
Total eligible tier 2 capital
Eligible tier 3
Total Supplementary Capital eligible for MCR(maximum upto 100% of Total
Equity)
TOTAL CAPITAL (1.14 plus 2.9)
Risk Weighted Amounts
Total Credit Risk Weighted Assets
Total Market Risk Weighted Assets
Total Operational Risk Assets
Total Risk Weighted Amount
Capital Adequacy Ratios
Credit Risk Capital Adequacy Ratio
Tier 1 capital to Total Risk Weighted Amount
Total Capital Adequacy Ratio
Other Deductins from Tier 1 and Tier 2 Capital
Investments in equity and other regulatory capital of majority owned
securities or other financial subsidiaries not consolidated in the balance
sheet
Significant minority investments in banking, securities and other financial
entities
Equity holdings (majority or significant minority) in an insurance
subsidiary(para 1.1 scope of Application)
Significant minority and majority investments in commercial entities
exceeding 15% of Bank,s Capital
Securitization exposure subject to deduction (para 4.3.1 of instructions)
Others
Total Deductible Items to be deducted 50% from Tier 1 capital and
50% from Tier 2 capital ( 5.1 to 5.6)

PSCBs

LPB

FB

SB

All Banks

DFIs

494,974
(35,295)
-

41,414
17,000
-

353,898
(52,295)
-

38,720
-

15,508
-

449,540
(35,295)
-

48,627
-

151,602
119,051
730,332

20,363
42,803
121,580

112,868
90,901
505,371

126
3,796
42,641

10,956
(21,780)
4,684

144,312
115,720
674,276

7,290
3,147
59,064

41,370
4,793
3,487
2,501
14,073
66,320
664,012

1,057
4,480
1,122
934
2,684
10,278
111,302

39,941
27
1,071
16
9,907
51,058
454,313

344
286
262
891
41,750

0
234
158
392
4,292

41,342
4,793
2,689
951
12,797
62,571
611,705

28
799
1,551
1,324
3,701
55,363

12,005
35,899
23,864
38,630
110,303

1,580
8,787
6,177
16,544

8,589
23,757
17,687
35,426
85,364

310
310

1,389
2,451
3,204
7,045

11,868
34,996
23,864
38,630
109,358

137
903
1,040

14,073
14,073
96,230

2,684
2,684
13,860

9,907
9,907
75,457

310

158
158
6,887

12,797
12,797
96,561

1,324
1,324
(284)

96,230
763,250

13,860
125,162

75,457
529,770

310
42,060

6,887
11,179

96,514
708,219

(284)
55,079

3,867,557
366,016
717,294
4,951,578

739,870
85,995
126,740
952,606

2,855,656
257,247
531,547
3,644,450

102,678
4,556
26,517
133,750

105,632
28
19,468
125,127

3,803,835
347,826
704,272
4,855,933

19.7%
13.4%
15.4%

16.9%
11.7%
13.1%

18.6%
12.5%
14.5%

41.0%
31.2%
31.4%

10.6%
3.4%
8.9%

21,521

3,567

17,273

315

5,243

1,802

18.6%
12.6%
14.6%

64,323
18,227
13,094
95,644
85.6%
57.9%
57.6%

21,156

365

1,379

3,181

2,062

582

361

361

220

800

800

800

96
28,242

5,369

96

19,909

315

96
25,594

2,648

* Un-audited results.

14

Quarterly Compendium: Banking Statistics

Table 1.15: Stress Testing Results of the Banking System

(December 31, 2011)
Shock Details
Pre-Shock Position
Credit Risk Shocks
C-1
C-2
C-3
C-4
C-5
C-6

20% of performing loans moving to substandard, 50% of substandard to doubtful, 50% of

doubtful to loss.
Tightening of loan classification i.e. All NPLs under substandard downgraded to doubtful
and all doubtful downgraded to loss.
Deterioration in performing loans of the textile sector (30%) directly downgraded to
doubtful category of NPLs.
50% of consumer loans (credit cards, auto loans, personal loans & consumer durables
only) directly classified into doubtful category of NPLs.
Deterioration in performing loans of the SME Sector (25%) and Agri Sector (25%)
downgraded to Doubtful category of NPLs.
Critical Infection Ratio (The ratio of NPLs to Loans where capital wipes out)

Number of Banks with CAR

< 0%
3

0% - 10% > 10%

2
33

< 0%

0% - 10%

> 10%

27

32

30

27

32

32

Market Risk Shocks

< 0%

0% - 10%

> 10%

32

32

ER-1
ER-2

Increase in interest rates by 300 basis points.

Flattening of yield curve by increasing 300, 200 and 100 basis points at the short, middle
and long end respectively.
Depreciation of Pak Rupee exchange rate by 25%
Appreciation of Pak Rupee exchange rate by 5%

EQ-1
EQ-2

Fall in general equity prices by 30%.

Fall in general equity prices by 50%.

3
3
3
3
< 0%

3
3
3
3
0% - 10%

32
32
32
32
> 10%

Increase in General Interest rates by 3%, deterioration in performing loans of the SME
Sector (25%) and Agri Sector (25%) downgraded to Doubtful category of NPLs,
COMB-1 deterioration of loans to the textile sector (30%) directly downgraded to doubtful category,
and fall in equity prices by 30%.

28

Flattening of yield curve by increasing 300, 200 and 100 basis points at the short, middle
COMB-2 and long end respectively, 20% of performing loans moving to substandard, 50% of
substandard to doubtful, 50% of doubtful to loss., fall in equity prices by 50%.

14

21

IR-1
IR-2

Combined Credit & Market Shocks

L-1

Liquidity Risk Shocks

3 Days

Withdrawal of customer deposits by 2%, 5%, 10%, 10% and 10% for five consecutive days
respectively.

4 Days
0

5 Days
0

15

Quarterly Compendium: Banking Statistics

Table 1.16: List of Banks

2009

2010

Sep-11

Dec-11

A. Public Sector Com. Banks (4)

First Women Bank Ltd.
National Bank of Pakistan
The Bank of Khyber
The Bank of Punjab

A. Public Sector Com. Banks (5)

First Women Bank Ltd.
National Bank of Pakistan
Sindh Bank Ltd.
The Bank of Khyber
The Bank of Punjab

A. Public Sector Com. Banks (5)

First Women Bank Ltd.
National Bank of Pakistan
Sindh Bank Ltd.
The Bank of Khyber
The Bank of Punjab

A. Public Sector Com. Banks (5)

First Women Bank Ltd.
National Bank of Pakistan
Sindh Bank Ltd.
The Bank of Khyber
The Bank of Punjab

B. Local Private Banks (25)

Allied Bank Ltd.
Askari Bank Ltd.
Atlas Bank Ltd**
Bank AL Habib Ltd.
Bank Alfalah Ltd.
BankIslami Pakistan Ltd.
Dawood Islamic Bank Ltd.
Emirates Global Islamic Bank Ltd.*
Faysal Bank Ltd.
Habib Bank Ltd.
Habib Metropolitan Bank Ltd.
JS Bank Ltd.
KASB Bank Ltd.
MCB Bank Ltd.
Meezan Bank Ltd.
Mybank Ltd.
NIB Bank Ltd.
SAMBA Bank Ltd.
Silk Bank Ltd
Soneri Bank Ltd.
Standard Chartered Bank (Pakistan) Ltd.

B. Local Private Banks (23)

AlBaraka Bank (Pakistan) Limited.*
Allied Bank Ltd.
Askari Bank Ltd.
Bank AL Habib Ltd.
Bank Alfalah Ltd.
BankIslami Pakistan Ltd.
Dawood Islamic Bank Ltd.
Faysal Bank Ltd.**
Habib Bank Ltd.
Habib Metropolitan Bank Ltd.
JS Bank Ltd.
KASB Bank Ltd.
MCB Bank Ltd.
Meezan Bank Ltd.
Mybank Ltd. #
NIB Bank Ltd.
SAMBA Bank Ltd.
Silk Bank Ltd
Soneri Bank Ltd.
Standard Chartered Bank (Pakistan) Ltd.
United Bank Ltd.

B. Local Private Banks (22)

AlBaraka Bank (Pakistan) Limited.*
Allied Bank Ltd.
Askari Bank Ltd.
Bank AL Habib Ltd.
Bank Alfalah Ltd.
BankIslami Pakistan Ltd.
Dawood Islamic Bank Ltd.
Dubai Islamic Bank Pakistan Ltd.
Faysal Bank Ltd.**
Habib Bank Ltd.
Habib Metropolitan Bank Ltd.
JS Bank Ltd.
KASB Bank Ltd.
MCB Bank Ltd.
Meezan Bank Ltd.
NIB Bank Ltd.
SAMBA Bank Ltd.
Silk Bank Ltd
Soneri Bank Ltd.
Standard Chartered Bank (Pakistan) Ltd.
Summit Bank Ltd (formerly Arif Habib Bank)***

B. Local Private Banks (22)

AlBaraka Bank (Pakistan) Limited.*
Allied Bank Ltd.
Askari Bank Ltd.
Bank AL Habib Ltd.
Bank Alfalah Ltd.
BankIslami Pakistan Ltd.
Dawood Islamic Bank Ltd.
Dubai Islamic Bank Pakistan Ltd.
Faysal Bank Ltd.**
Habib Bank Ltd.
Habib Metropolitan Bank Ltd.
JS Bank Ltd.
KASB Bank Ltd.
MCB Bank Ltd.
Meezan Bank Ltd.
NIB Bank Ltd.
SAMBA Bank Ltd.
Silk Bank Ltd
Soneri Bank Ltd.
Standard Chartered Bank (Pakistan) Ltd.
Summit Bank Ltd (formerly Arif Habib Bank)***

The Royal Bank of Scotland Ltd.

Dubai Islamic Bank Pakistan Ltd.

United Bank Ltd.

United Bank Ltd.

United Bank Ltd.

Summit Bank Ltd (formerly Arif Habib Bank)***

Dubai Islamic Bank Pakistan Ltd.

Arif Habib Bank Ltd.

C. Foreign Banks (7)

Albaraka Islamic Bank B.S.C.
Bank of Tokyo - Mitsubishi UFJ, Ltd.
Deutsche Bank AG
Citibank N.A.

C. Foreign Banks (6)

Bank of Tokyo - Mitsubishi UFJ, Ltd.
Deutsche Bank AG
Citibank N.A.
Oman International Bank S.A.O.G.

C. Foreign Banks (7)

Bank of Tokyo - Mitsubishi UFJ, Ltd.
Barclays Bank PLC
Citibank N.A.
Deutsche Bank AG

C. Foreign Banks (7)

Bank of Tokyo - Mitsubishi UFJ, Ltd.
Barclays Bank PLC
Citibank N.A.
Deutsche Bank AG

Oman International Bank S.A.O.G.

Barclays Bank PLC

Barclays Bank PLC

HSBC Bank Milldle East Ltd.

HSBC Bank Milldle East Ltd.

Industrial and Commercial Bank of China Limited

HSBC Bank Milldle East Ltd.

Industrial and Commercial Bank of China Limited

Oman International Bank S.A.O.G.

Oman International Bank S.A.O.G.

HSBC Bank Milldle East Ltd.

D. Specialized Banks (4)

Industrial Development Bank of Pakistan
Punjab Provincial Co-operative Bank Ltd.
SME Bank Ltd.
Zarai Taraqiati Bank Ltd.

D. Specialized Banks (4)

Industrial Development Bank of Pakistan
Punjab Provincial Co-operative Bank Ltd.
SME Bank Ltd.
Zarai Taraqiati Bank Ltd.

D. Specialized Banks (4)

Industrial Development Bank of Pakistan
Punjab Provincial Co-operative Bank Ltd.
SME Bank Ltd.
Zarai Taraqiati Bank Ltd.

D. Specialized Banks (4)

Industrial Development Bank of Pakistan
Punjab Provincial Co-operative Bank Ltd.
SME Bank Ltd.
Zarai Taraqiati Bank Ltd.

All Commercial Banks (36)

Include A + B + C

All Commercial Banks (34)

Include A + B + C

All Commercial Banks (34)

Include A + B + C

All Commercial Banks (34)

Include A + B + C

All Banks (40)

All Banks (38)

All Banks (38)

All Banks (38)

Include A + B + C + D

Include A + B + C + D

Include A + B + C + D

Include A + B + C + D

* Descheduling of Albaraka Islamic Bank Pakistan Operations and merger into Emirates Global Islamic Bank Limited with effect from October 29, 2010. Subsequent upon its merger, name has been changed from
Emirates Global Islamic Bank Limited to AlBaraka Bank (Pakistan) Limited with effect from the close of business on October 29, 2010.
** Royal Bank of Scotland Limited (RBS Pakistan) Amalgamated with and into Faysal Bank Limited on December 29, 2010.
***De-scheduling of Atlas Bank Limited with effect from the close of business on December 31, 2010, on account of its merger with and into Summit Bank Limited.
SBP declared Sindh Bank Limited as a scheduled bank with effect from December 24, 2010.
#

Descheduling and amalgamation of Mybank Limited (MBL) with and into Summit Bank Limited with effect from Jun 29, 2011.

Note: Scheduling of Industrial and Commercial Bank of China Limited took place vide No. BPRD (LD-06)/602- ICBC/2011/10416 dated August 16, 2011.

16

Quarterly Compendium: Banking Statistics

2. Islamic Banking

17

Quarterly Compendium: Banking Statistics

Table 2.1: Group-wise Balance Sheets and Income Statements of Islamic Banks/Branches
(December 31, 2011)
million Rupees
Financial Position
ASSETS
Cash & Balances With Treasury Banks
Balances With Other Banks
Due from Financial Institutions
Investments - Net
Financing - Net
Operating Fixed Assets
Deferred Tax Assets
Other Assets
TOTAL ASSETS
LIABILITIES
Bills Payable
Due to Financial Institution
Deposits And Other Accounts
Sub-ordinated Loans
Liabilities Against Assets Subject To Finance Lease
Deferred Tax Liabilities
Other Liabilities
TOTAL LIABILITIES
NET ASSETS
NET ASSETS REPRESENTED BY: Share Capital
Reserves
Unappropriated Profit
Share Holders' Equity
Surplus/Deficit On Revaluation Of Assets
TOTAL
PROFIT AND LOSS STATEMENT

Mark-Up Income
Mark-Up Expenses
Net Mark-Up
Provisions & Bad Debts Written Off Directly/(Reversals)
Net Mark-Up After Provision
Fees, Commission & Brokerage Income
Dividend Income
Income From Dealing In Foreign Currencies
Other Income
Total Non - Markup
Administrative Expenses
Other Expenses
Total Non-Markup
Profit before Tax and Extra ordinary Items
Extra ordinary/unusual Items -- Gain/(Loss)
PROFIT/ (LOSS) BEFORE TAXATION
Less: Taxation
PROFIT/ (LOSS) AFTER TAX

Islamic Banks

Islamic Banking Branches

30,300
13,591
12,328
168,564
129,178
10,681
2,993
40,691
408,325

17,982
9,756
1,500
105,705
71,069
4,064
32
22,572
232,681

48,282
23,347
13,828
274,268
200,247
14,746
3,025
63,263
641,006

4,137
14,118
340,992
5
11,621
370,873
37,452

1,142
13,293
180,008
12
19,604
214,059
18,622

5,280
27,410
521,000
5
12
31,225
584,932
56,074

36,431
8,873
837
10
(363)
8,830
36,905
17,714
547
908
37,452
18,622
Islamic Banks Islamic Banking Branches

45,305
847
8,467
54,619
1,455
56,074
Islamic Banking

37,267
20,331
16,936
1,426
15,510
1,350
1,050
971
515
3,886
19,396
13,515
150
13,665
5,731
5,731
1,727
4,003

21,207
12,190
9,017
415
8,601
928
71
102
550
1,651
10,252
5,122
219
5,341
4,911
4,911
94
4,817

Islamic Banking

58,473
32,521
25,953
1,841
24,111
2,278
1,122
1,072
1,065
5,537
29,648
18,638
369
19,006
10,642
10,642
1,821
8,821

Absolute change
QoQ
YoY
11,549
12,094
364
(3,878)
(14,643)
(5,429)
37,916
116,465
22,697
19,848
284
1,701
370
872
14,057
22,353
72,594
164,025
(1,231)
1,144
6,644
9,102
57,935
130,940
(3)
(14)
(28)
(505)
7,269
13,704
70,586
154,371
2,007
9,655
140
4,397
268
194
1,863
5,839
2,272
10,431
(264)
(776)
2,007
9,655
Absolute change
YoY
22,092
12,396
9,696
(1,293)
10,988
649
748
(737)
414
1,075
12,063
3,876
89
3,966
8,097
8,097
1,543
6,554

* Un-audited results.

18

Quarterly Compendium: Banking Statistics

Table 2.2: Financial Soundness Indicators of Islamic Banking*

Percent
Asset Quality
NPLs to Total Loans
Net NPLs to Net Loans
Provision to NPLs
Earnings
ROA before Tax
ROA after Tax
ROE before Tax
ROE after Tax
Net Interest Income to Gross Income
Non Interest Income to Gross Income
Operating Expense to Gross Income
Liquidity
Loans to Deposits
* Un-audited results.

Dec-09

Mar-10

Jun-10

Sep-10

Dec-10

Mar-11

Jun-11 Sep-11

Dec-11

6.3
3.1
51.7

7.3
3.8
50.0

6.5
2.8
58.8

8.4
4.1
54.1

7.3
3.2
58.6

8.0
3.4
58.7

7.5
3.2
60.0

8.4
3.3
62.4

7.6
2.9
63.0

0.7
0.6
5.9
4.6
79.4
20.6
70.3

0.9
0.8
7.7
7.0
81.1
18.9
70.2

0.9
0.8
8.2
6.9
80.7
19.3
71.8

0.6
0.6
5.5
5.3
80.0
20.0
73.9

0.6
0.6
5.9
5.2
78.5
21.5
72.6

1.8
1.4
18.3
15.0
80.8
19.2
62.3

2.0
1.6
20.7
16.5
82.6
17.4
60.9

2.0
1.7
21.3
17.6
81.9
18.1
58.6

1.9
1.6
20.8
17.3
82.4
17.6
60.4

54.3

53.9

47.8

45.2

46.2

45.1

41.7

38.3

38.4

19

Quarterly Compendium: Banking Statistics

Table 2.3: List of Islamic Banks

As of December 31, 2011

Islamic Banks
1

AlBaraka Bank (Pakistan) Limited

BankIslami Pakistan Limited

Dawood Islamic Bank Limited

Dubai Islamic Bank Pakistan Ltd

Meezan Bank Ltd

Conventional Banks having Islamic Banking Branches

Askari Bank Limited

Bank Al Habib Ltd

Bank Alfalah Ltd

Faysal Bank Limited

Habib Bank Ltd

Habib Metropolitan Bank

MCB Bank Ltd

National Bank of Pakistan

Soneri Bank Ltd

10

Standard Chartered Bank

11

The Bank of Khyber

12

United Bank Limited

Grand Total 17 (5+12)

20

Quarterly Compendium: Banking Statistics

3. Development Finance Institutions

21

Quarterly Compendium: Banking Statistics

Table 3.1: Balance Sheets and Income Statements of DFIs

(December 31, 2011)
million Rupees
Financial Position
ASSETS
Cash & Balances With Treasury Banks
Balances With Other Banks
Lending To Financial Institutions
Investments - Net
Advances - Net
Operating Fixed Assets
Deferred Tax Assets
Other Assets
TOTAL ASSETS
LIABILITIES
Bills Payable
Borrowings From Financial Institution
Deposits And Other Accounts
Sub-ordinated Loans
Liabilities Against Assets Subject To Finance Lease
Deferred Tax Liabilities
Other Liabilities
TOTAL LIABILITIES
NET ASSETS
NET ASSETS REPRESENTED BY: Share Capital
Reserves
Unappropriated Profit
Share Holders' Equity
Surplus/Deficit On Revaluation Of Assets
TOTAL
OPERATING POSITION
Mark-Up/ Return/Interest Earned
Mark-Up/ Return/Interest Expenses
Net Mark-Up / Interest Income
Provisions & Bad Debts Written Off Directly/(Reversals)
Net Mark-Up / Interest Income After Provision
Fees, Commission & Brokerage Income
Dividend Income
Income From Dealing In Foreign Currencies
Other Income
Total Non - Markup / Interest Income
Administrative Expenses
Other Expenses
Total Non-Markup/Interest Expenses
Profit before Tax and Extra ordinary Items
Extra ordinary/unusual Items -- Gain/(Loss)
Profit/ (Loss) Before Taxation
Less: Taxation
Profit/ (Loss) after Taxation

CY07

CY08

CY09

637
12,508
19,864
41,389
33,392
2,969
545
5,029
116,332

701
10,905
8,245
38,536
36,673
2,918
790
4,522
103,290

1,716
6,713
12,085
62,102
41,416
3,098
1,277
3,786
132,193

1,761
2,545
8,971
64,395
45,410
3,046
1,318
6,814
134,261

1,747
800
9,297
65,950
45,078
2,956
1,243
5,515
132,586

1,766
758
2,253
72,055
47,394
2,944
1,193
5,951
134,312

1,897
603
2,439
69,929
47,035
2,926
1,068
6,147
132,045

2,341
1,419
2,908
81,495
46,499
2,925
1,198
5,786
144,571

51,664
11,868
38
564
4,552
68,686
47,646

43,838
5,881
36
4,841
54,595
48,695

51,522
18,074
30
2
5,814
75,442
56,751

50,306
15,856
15
51
8,522
74,751
59,510

49,096
16,756
13
50
7,384
73,299
59,288

51,789
15,841
12
76
7,167
74,884
59,428

49,898
14,258
11
16
7,745
71,928
60,116

64,885
12,074
19
24
7,202
84,204
60,367

31,993
11,159
1,522
44,673
2,973
47,646

42,750
11,610
(5,008)
49,352
(657)
48,695

47,269
7,250
342
54,860
1,891
56,751

48,385
7,211
2,602
58,198
1,312
59,510

45,750
9,455
2,805
58,009
1,279
59,288

48,409
6,930
3,064
58,403
1,025
59,428

48,409
7,032
3,039
58,481
1,636
60,116

48,627
7,210
3,230
59,068
1,299
60,367

CY07
7,315
4,538
2,777
2,863
(86)
79
391
(45)
3,010
3,434
3,349
2,330
102
2,432
917
22
895
1,020
(125)

CY08
10,350
5,873
4,478
6,159
(1,681)
123
669
560
6,412
7,763
6,082
2,413
2,022
4,435
1,647
(48)
1,696
886
810

CY09
12,592
6,720
5,872
3,133
2,739
191
423
20
844
1,479
4,217
2,647
62
2,709
1,508
(25)
1,533
630
904

Dec-10*

Dec-10
13,785
7,317
6,468
790
5,678
79
484
904
1,468
7,146
2,878
(5)
2,873
4,273
4,273
1,561
2,712

Mar-11*

Mar-11
3,611
1,960
1,651
(15)
1,666
24
128
(11)
219
359
2,025
698
81
778
1,247
1,247
403
844

Jun-11*

Jun-11*
7,190
3,814
3,376
342
3,035
42
228
2
235
507
3,542
1,425
76
1,501
2,041
2,041
883
1,158

Sep-11*

Sep-11*
11,018
5,940
5,078
614
4,464
108
701
24
187
1,019
5,483
2,175
859
3,034
2,449
2,449
1,225
1,225

Dec-11*

Dec-11*
14,841
8,030
6,810
828
5,983
123
855
63
379
1,421
7,403
3,164
1,017
4,181
3,222
3,222
1,645
1,577

Absolute change
QoQ
YoY
444
816
469
11,565
(537)
(1)
130
(360)
12,526
14,986
(2,184)
8
7
(543)
12,275
251
218
178
191
587
(336)
251

580
(1,126)
(6,063)
17,100
1,088
(122)
(120)
(1,027)
10,310
14,579
(3,783)
4
(28)
(1,320)
9,453
857
242
(1)
628
870
(13)
857

Change
YoY
1,056
713
342
38
304
44
371
63
(525)
(47)
258
287
1,022
1,309
(1,051)
(1,051)
84
(1,135)

* Un-audited results.

22

Quarterly Compendium: Banking Statistics

Table 3.2: Financial Soundness Indicators of DFIs

CY08

Percent
CY09 Dec-10* Mar-11* Jun-11* Sep-11* Dec-11*

Capital
Total Capital to Total RWA
Tier 1 Capital to Total RWA
Capital to Total Assets

53.4
53.3
47.1

52.5
52.4
42.9

54.4
54.9
44.3

55.9
56.4
44.7

56.7
57.2
44.2

59.5
59.6
45.5

59.5
57.9
41.8

27.0
11.2
65.9
8.4

27.1
10.1
69.8
7.4

26.6
10.9
66.2
8.3

28.1
12.4
63.6
9.5

26.7
11.4
64.7
9.1

28.6
13.5
61.2
10.6

28.4
13.1
62.0
10.1

1.5
0.7
3.4
1.6
34.8
22.7

1.3
0.8
2.9
1.7
79.9
36.9

3.2
2.0
7.3
4.6
81.5
36.2

3.7
2.5
8.4
5.7
82.1
38.7

3.1
1.7
6.9
3.9
86.9
38.7

2.4
1.2
5.5
2.7
83.3
49.8

2.4
1.2
5.4
2.6
82.7
50.8

622.9
31.2
547.3

229.2
35.9
262.4

286.4
30.9
261.6

269.0
34.6
273.5

299.2
33.5
284.3

329.9
34.3
317.6

385.1
40.0
479.5

Asset Quality
NPLs to Total Loans
Net NPLs to Net Loans
Provision to NPLs
Net NPLs to Capital
Earnings
ROA before Tax
ROA after Tax
ROE before Tax
ROE after Tax
Net Interest Income to Gross Income
Operating Expense to Gross Income

Liquidity
Loans to Deposits
Liquid Assets/Total Assets
Liquid Assets/Total Deposits
* Un-audited results.

23

Quarterly Compendium: Banking Statistics

Table 3.3: List of Development Finance Institutions

As of December 31, 2011

1. House Building Finance Company Limited
2. PAIR Investment Company Limited
3. Pak Brunei investment Company Limited
4. Pak Libya Holding Company Limited
5. Pak Oman Investment Company Limited
6. Pak-China Investment Company Limited
7. Pakistan Kuwait Investment Company Limited
8. Saudi Pak Industrial & Agricultural Investment Company Limited

24