You are on page 1of 10

PROF. DR.

SAEED

COMPILED BY

KHAWAJA

AMJAD

PRINCIPAL

University of the Punjab 1-Cust Road, Opposite University Ground, Lahore-Pakistan. Tel: 0092 427248395, 7323633 Fax: 0092 42 7323087 Email: principal@puhcbf.edu.pk
1

HAILEY COLLEGE OF BANKING & FINANCE

FINANCIAL INSTITUTIONS.edu.kamjadsaeed.pk www. INSURANCE. INTERNATIONAL TRADE AND RELATED BUSINESS SECTORS 2 .Websites: www.pk MISSION STATEMENT TO PRODUCE LEADERSHIP OF FUTURE FOR BANKS.edu.puhcbf.

Dilawar Shaukat is placed on record. Lectures are backed-up with cases analysis. Insurance & Risk Management: 1. Lt. 2007 Prof. Honorable Vice-Chancellor.By the grace of Allah. Four Years BBA Hons. Gen.D. We stand to serve the society in general and students in particular with Pakistan’s orientation in respect of banking scene in our Country. Lt. Two Years MBA (Morning) 3. Gen. The following three Programs are being currently offered in Banking & Finance. finance. Lahore. the said College was established and the undersigned was appointed as Principal to operationalize the academic. (Morning) 2.B. (USA) Cost & Management Accountant (FCMA) Chartered Accountant (FCA) 3 . presentations. Honorable Governor of Punjab and Chancellor. It is hoped that the faculty. (R) Khalid Maqbool. 2003. Thousands of applications were received and through transparent merit based criteria the best available students have been admitted and our academic programs started on October 22. To translate his vision. relevant data are made available in the class rooms. the University of the Punjab took an initiative of establishing Hailey College of Banking & Finance as the 5th constituent College of the University. students and other stakeholders will benefit from the enclosed statistical analysis. international trade and related business sector.Com. Dr. LL. 2003. Ph. University of the Punjab inaugurated our College on March 26. Cooperation in computer composing by Mr. Muhammad Kashif Mukhtar and in getting it published by Mr. syndicate work and group discussions. the market response to our above programs has achieved a glorious success. To facilitate a quality transmission of knowledge and to help develop learning approach as opposed to teaching approach. (R) Arshad Mahmood had the vision to establish a quality College with specialized education in the area of banking. Two Years Executive MBA (Evening) By the grace of Allah. (Pb). The basic source of information for the Fourth Edition is the Statistics of Scheduled Bank in Pakistan and various other sources issued by the State Bank of Pakistan in December 2005. MBA (Lebanon). insurance. research and related activities. We promise quality education. statistical analysis of some aspects relating to banking scene in Pakistan was published and distributed. To begin with. Khawaja Amjad Saeed Principal M. PREFACE TO FOURTH EDITION Lahore March 01.

12. SBP: Statistics Department Table 2. NUMBER OF SCHEDULED BANKS & BRANCHES Particulars A Pakistani Banks Public Sector: • Commercial • Specialized Private Sector: Domestic B Foreign Banks 2005* Banks Number 28 7.049 Total: Source: Compiled from: Statistics on Scheduled Banks In Pakistan. Table 6.17 1. December 2005.935 1. State Bank of Pakistan.202 1.71 10. • Annual Report 2003-2004.959 7 2. P. Selected Economic Indicators. Table 6. P.404 303 1. SBP. 2003 Number 8 16 24 16 June 30. Public Sector Banks (Nationalized. SELECTED BANKING SECTOR INDICATORS Particulars 1 2 3 4 Deposits Advances Investments in Securities & Shares Advanced to: • Private Sector (Business) • Personals Weighted Average Deposits Rates: • Interest bearing ** (%) • PLS (%)** • Lending rates (%) Billion Rupees 2005* 2004* 2. P XIV.04 1. Statistics Department. • Statistics of Scheduled Banks in Pakistan .XIV *December. P.348 2004* Banks Number 27 6.234 8 2. December 2005. Specialized and Provincial) 2.43 2. 74.136 204 1.137 17 114 45 7.PAKISTAN: LIST OF SCHEDULED BANKS Particulars A : Pakistani Banks 1.097 4 1. State Bank of Pakistan .99 5 4 .533 3 524 20 4.13. 2004 Number 7 21 28 17 December 03.562 4 535 20 5. Private Domestic Banks Privatized and Private Banks) Total Foreign Banks June 30.71. 2005 Number 8 20 28 17 B : Grand Total 40 45 45 Sources: Compiled from: • Annual Report 2002-2003.614 2. Table 2.057 4 1.36 6. Statistical Annexure – List of Schedule Banks.254 727 615 1.902 17 90 44 7. December 2005.

56. P.935 % 72 16 4 4 2 1 99 1 100 5 .254 2003 975 2002 900 2001 873 2000 810 1999 727 1998 675 Sources: Compiled from: • Annual Report 2003-2004.Source: Edited from: Statistics of Scheduled Banks In Pakistan. Table 6. XVIII. SBP. SBP. P. BILLION 2005 1. SCHEDULED BANKS’ ADVANCES: ANALYSIS BY COLLATERAL Types of Collateral 1 2 3 4 5 Merchandize Real Estate Fixed Assets.1. Karachi. Karachi. Table 1. • *Statistics of Scheduled Banks In Pakistan . Table – 6. Statistics Department.935 % 29 24 14 4 2 73 27 100 6 Others Total: Source: Extracted from: Statistics on Scheduled Banks In Pakistan. State Bank of Pakistan. XVIII. SCHEDULED BANKS’ ADVANCES BY BORROWERS Types of Borrower 1 2 3 4 5 6 Private Sector (Business) Personal Non-Financial Public Sector Enterprises Government Non-Bank Financial Institutions Trust Funds & Non-Profit Organizations Others Total: Source: Computed from: December 2005 (Billion Rs. PAKISTAN: SCHEDULED BANKS ADVANCE YEAR RS. P. Table 6. including machinery Securities.) 1. Shares & other Financial instruments Fixed Deposits and Insurance Policies December 2005 (Billion Rs. XIII *December. December 2005. December 2005. **Excluding zero rates.923 12 1. Statistical Annexure – Banking System.414 521 1.935* 2004 1. P. December 2005.404 303 87 71 43 15 1.) 558 464 271 70 51 1. Statistics Department. SBP.

425 2001 1.021 2003 1. 2007 January 19. Table.202 Source: Compiled: Statistics of Scheduled Banks In Pakistan. Statistics Department. XVI. XIX. SCHEDULED BANKS’ DEPOSITS Particulars A Pakistani Banks • Domestic – Private • Public Sector B Foreign Banks Total Billion Rupees 2005* 2004* 2. BILLION 2005 2. Table 4.693 2002 1.152 1999 1. SBP. P. December 2005. Statistics Department. 6.974 1.917* 1.368 1.516 489 458 246 228 2.879 1. BILLION 3.614* 2004 2. Pakistan: Capital Market–KSE Market Capitalization YEAR February 24. December 2005. SBP.283 2000 1. PAKISTAN: SCHEDULED BANKS DEPOSITS YEAR RS. Statistics Department. Karachi. SBP: Statistics Department. Table – 8. 2007 2004 2003 RS.122 1998 1. Statistical Annexure Banking System. *December. SCHEDULED BANKS’ INVESTMENTS Particulars 1 Treasury Bills 2 Federal Government Bonds 3 Others December 2005 (Billion Rs. P. P XVI.Statistics on Scheduled Banks In Pakistan.066 Sources: Compiled from: • Annual Report 2003-2004. • *Statistics of Scheduled Banks in Pakistan. State Bank of Pakistan.614 2.357 746 6 . Karachi. December 2005. December 2005. SBP. Karachi. P. XIX.158** 2. Table – 7.1.) 374 186 167 727 Total: Source: Computed from: Statistics on Scheduled Banks In Pakistan. Karachi. Table 4.

P. 2007. 93.78 1997-1998 10. January 22-28.98 1998-1999 1. P. 7 .58 16.09 1999-2000 0.9. 2007.60 14.63 Sources: Compiled from: • Annual Report 2003-2004 – Volume 1.8.2002 408 2001 339 2000 392 1999 286 Sources: Compiled from: • Annual Report 2003-2004. Table 9.34 9.31 8. Table. 8. State Bank of Pakistan. P. PAKISTAN: WORKERS’ REMITTANCES YEAR RS.22 11. Karachi: Pakistan & Gulf Economist.45 2004-2005 20.24 2001-2002 2. February 12-18. • *Pakistan Market Indicators.06 Sources: Compiled from: • Annual Report 2003-2004. Review of Economy.6.20 1999-2000 10. 77. State Bank of Pakistan.14 2000-2001 10. P.59 12.16 2001-2002 10. • *Pakistan Economic Survey 2005-2006 .39 2000-2001 1. Statistical AnnexureWorkers’ Remittances.63* 2004-2005 4.39 2003-2004 15. February 24. Statistical Annexure – Capital Market. 18.31 2002-2003 12.87 2002-2003 4. 39. 83. Table 9.73 9. • All Shares Index Report (Sector Wise) “Business Recorder”. Statistical Annexure – Balance of Payments & Foreign Trade. P. & 2005-2006.43 7.2.12 8. ISLAMIC BANKING: PAKISTAN & GLOBAL SCENARIO General • Growth registered in the last 3 decades. Karachi: “Pakistan & Gulf Economist”.57 1998-1999 9. P.17* 2003-2004 3. 96. Karachi. Table 7. 2007 PAKISTAN: IMPORTS AND EXPORTS YEAR IMPORTS ($ B) EXPORTS ($ B) 2005-2006 28. State Bank of Pakistan . • For 2004-2005. Statistical Appendix. BILLION 2005-06 (July-April) 3.

December 2005.Full-fledged Islamic Scheduled Banks 2 . 2003. P. 75 countries covered. 2005 are given below: ISLAMIC BANKING START DECEMBER 31. 2. Bank Alfalah 2. Details updated till December 31. dated 1/1/2003 by the State Bank of Pakistan for permission to establish stand-alone branches for Islamic Banks. Metropolitan Bank Limited December 2005 (Number) 37 28 09 33 15 1 1 4 5 1 1 3 June 2005 (Number) 31 23 08 29 15 1 1 3 5 1 1 1 8 . Meezan Bank Ltd. Bank Al-Habib 7. The Bank of Khyber 4. 1. Bahrain • Update: Till 2005 Following the issuance of guidelines vide BPD Circular No. Al-Barka Islamic Bank BC Stand-alone Islamic Branches of Existing Scheduled Banks: 1.• • • 15% annual growth. Statistics Department. Standard Chartered Bank Ltd 5. Habib Bank AG Zurich 6. Parallel with conventional system o Malaysia o Bahrain o Some Gulf Islamic Banks & Financial Institutions • Bahrain -26 • Accounting & Auditing Organization for Islamic Financial Institutions. XXI. Table – 10. 2005 • • 11 Banks 70 branches Composition Number of Branches 37 Number of Banks . SBP. Karachi. MCB Bank Limited 3.Stand – alone Islamic Branches of existing 33 9 Scheduled Banks Total 70 11 Source: Compiled from: Statistics on Scheduled Banks In Pakistan. ISLAMIC BANKS BRANCH NETWORK Particulars A B Full-Fledged Islamic Scheduled Banks: 1. Habib Bank Limited 8. this branch started commercial business. leading to the issuance of the first Islamic Banking Branch License to MCB in May. while applications of other banks were later considered and some of them were granted license.

Statistics Department. 2 70 1 60 9 . P. SBP. XX. Table – 9.9. December 2005. Karachi. Soneri Bank Limited Total Source: Computed from: Statistics on Scheduled Banks In Pakistan.

487 68. Karachi.790 Amount (Rs.435 1. Annual Reports 2002-2003. (*) Includes advances and bills. 2007. SBP. FINANCING & INVESTMENTS Particulars Pakistani Banks Dece June 2005 2005 Foreign Banks Dece.b) 1.81 2. SBP.649 26.123 Amount (Rs.989 2. 2003-2004. P. b) 37 30 12 9 49 39 2 Financing (*) Accounts (Number) 13.961 11. XXI. 2007 and February 12-18.ISLAMIC BANKS: DEPOSITS. June 2005 2005 1 Deposits Accounts (Number) 98. Karachi. June 2005 2005 Total Dece. b) 36 26 10 9 46 35 3 Investment (Book Value–Rs. Statistics Department. B: MAGAZINE Pakistan & Gulf Economist. Karachi State Bank of Pakistan.526 9. 2. 2007.2 Source: Edited from: Statistics on Scheduled Banks In Pakistan. Statistics of Scheduled Banks In Pakistan.7 1.134 15.962 28. SOURCES A: GOVERNMENT PUBLICATIONS 1. December 2005.828 127. 3. Statistics Department. 10 . December 2005. Karachi January 22-28. Table – 10. February 24. C: NEWSPAPER Business Recorder.6 104 589 1. Statistical Appendix.136 95. Pakistan Economic Survey 2005-2006.