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A QUARTERLY UPDATE ON MICROFINANCE OUTREACH IN PAKISTAN

ISSUE 59: Q1 (JAN-MAR) 2021

Quarter Change

Q1 - 2021 Q4 - 2020 Units %

Number of Branches/Units 3,783 3,828 -45 -1.2

Number of Districs Covered 139 139 - -

Penetration Rate(%) 37.0 34.2 2.8 8.2

Active Borrowers 7,591,130 7,005,885 585,245 8.4

Gross Loan Portfolio (PKR Millions) 340,473 324,155 16,318 5.0

Number of Loans Disbursed 4,123,473 3,011,022 1,112,451 37.0

Disbursements (PKR Millions) 103,178 108,922 -5,744 -5.3

Average Loan Size(PKR) 25,022 36,175 -11,152 -30.8

Number of Savers 67,442,325 64,112,657 3,329,668 5.2

Value of Savings (PKR Millions) 372,572 374,362 -1,790 -.5

Average Saving Balance (PKR) 5,524 5,839 -315 -5.4

Number of Policy Holders 7,652,045 7,324,379 327,666 4.5

Sum Insured (PKR Millions) 261,976 244,650 17,326 7.1

All key outreach indicators for the first quarter of 2021 depicted steady growth as the industry and country prepared to tackle the third wave of the Global
Health Crisis caused by Covid-19.

The quarter under review saw the Active Borrowers finally exceed pre-Covid figures as the indicator reached 7.6 million borrowers, an increase of 8%
compared to the prior quarter and 4% compared to Q1 2020. Similarly, the GLP surpassed PKR 340 billion, an increase of 5% compared to Q4 2020
and 10% compared to the GLP in Q1 last year. The growth in active borrowers and GLP continues to be driven by the MFB peer group as they managed
to add over 614,000 clients and PKR 11 billion in GLP. The increase in clients was mainly courtesy of MMFB as their uptake in digital credit substantially
improved. In terms of GLP, the surge was led by FMFB, MMFB, KBL and Ubank as together they added over PKR 10 billion to the portfolio. NBMFC
peer group also contributed to portfolio growth with an addition of PKR 4.7 billion, an addition primarily led by Kashf and NRSP. The quarter also
experienced a 37% increase in the numbers of loans disbursed which translated into over 4 million, while the disbursements declined by 5% compared
to the previous quarter to register over PKR 103 billion. This is because of the high number of digital loans disbursed by MMFB, which also contracted
the average loan size from PKR 36,175 to PKR 25,022. By the end of the quarter, MMFB surpassed KBL with the largest market share in terms of
clients with 18.5% followed by KBL and Akhuwat with 11.5% and 10.2% respectively. However, KBL led with 18.5% of the market share in terms of GLP
while FMFB and Ubank followed closely with 13.6% and 9.8% respectively. The PAR>30 days increased from 3.7% to 4.5% as the infection ratio for
MFBs rose from 3.3% to 4% and for NBMFCs from 4.9% to 5.6%.

On the Microsavings front, Active Savers stood at 64.7 million clients, an increase of 5% compared to Q4 and 37% compared to Q1 last year. However,
savings declined marginally from PKR 374 billion in Q4 2020 to PKR 372 billion now, which is still a 41% increase from a year ago. The increase in
savers was driven by M-Wallets, as MMFB added an additional 3.5 million. These M-Wallets represent 80% of savers, but only 14% of savings for the
quarter. Of the traditional accounts, the increase in savers was led by Ubank, FMFB, KBL and Finca as they accumulated over 630,000 clients.
However, in terms of savings, FMFB, NRSP-B and MMFB led the way by amassing PKR 7.3 billion. By the end of the quarter, MMFBs market share
increased in terms of depositors from 44.8% to 47.7%, while KBL maintained the largest deposit base with PKR 86.7 billion or a market share of 23.3%.
In terms of demographics, 73% of the savers were from Urban areas, while women savers remained 25% of total savers and contributed 15% of the
total savings to the sector.

Policy Holders elevated to 7.6 million, indicating a growth of 4.5% compared to the previous quarter but still 9% less than the same period last year.
Similarly, the Sum Insured was recorded at PKR 262 billion, an increase of 7% compared to Q4 2020. Unlike last quarter, the increase in policyholders
was driven by the NBMFC peer group, led by Damen and Kashf which accumulated over 400,000 policyholders and a sum insured of almost PKR 12
billion. Of the MFBs, FMFB and KBL amassed over PKR 5 billion in terms of the sum insured. By the end of the year, Kashf remained the largest
provider of microinsurance with 2.3 million policyholders, a market share of 30%, and a total sum insured worth PKR 66 billion or a market share of 25%.
Most of the policies continued to comprise of Health and Life insurance with a balanced composition of 50% each.

The total number of branches declined to 3,783 from 3,828 previously. Akhuwat continued to maintain the largest geographic footprint nationwide by
covering 97 districts followed by KBL and FMFB with 82 and 81 districts serviced respectively.

MicroWATCH is a quarterly publication of the Pakistan Micronance Network (PMN). It is made possible by the generous support of the Department for International Development (DFID, through UK-AID),
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the Citi Foundation and the Pakistan Poverty Alleviation Fund (PPAF). It is also a result of the efforts of organizations that contributed their data (for citations, see back cover).
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DISTRIBUTION OF ACTIVE BORROWERS

Top 5 Districts: Greatest Increase in Microcredit Outreach

District Active Borrowers (Q1) Growth (Q4 to Q1)

Net %

1 ICT 1,177,946 581,763 97.6

2 Multan 199,225 13,350 7.2

3 Bhawalnagar 225,797 7,739 3.6

4 Faisalabad 298,118 5,649 1.9

5 Okara 146,118 5,108 3.6

DISTRIBUTION OF ACTIVE SAVERS

Top 5 Districts: Greatest Increase in Savings Outreach

District Active Savers (Q1) Growth (Q4 to Q1)

Net %

1 Lahore 23,624,772 2,247,987 10.5

2 Rawalpindi 2,779,785 506,524 22.3

3 Peshawar 2,630,389 431,274 19.6

4 ICT 330,583 97,890 42.1

5 Quetta 476,988 83,573 21.2

Geographical boundaries for new districts demarcated in 2004-06 have not been made available by Survey of Pakistan. The following districts are
therefore, not shown on the map: Sehwan Sharif, Jamshoro (Dadu); Matyari, Tando Allahyar, Tando Muhammad Khan (Hyderabad); Shedadkot (Larkana);
Mingora (Swat); Sherani (Zhob)

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MICROCREDIT PROVISION

Summary of Microcredit Provision (All Pakistan)

Lending Methodology Asset Type Peer Group

Total Group Individual MSE Secured Unsecured MFB MFI RSP Other MFPs

Number of Branches/Units

Q4 3,828 - - - - - 1,429 1,998 362 39

Q1 3,783 - - - - - 1,405 1,978 358 42

Active Borrowers

Q4 7,005,885 1,487,532 5,255,836 262,517 800,266 6,205,619 3,660,681 2,522,709 802,311 20,184

Q1 7,591,130 1,423,792 5,913,878 253,460 770,544 6,820,586 4,275,113 2,524,341 770,177 21,499

Gross Loan Portfolio(PKR Millions)

Q4 324,155 49,677 217,578 56,900 76,672 247,484 237,733 65,914 20,115 393

Q1 340,473 50,692 213,172 76,609 80,631 259,842 248,956 69,912 21,242 363

Portfolio at Risk > 30 days (Percentage)

Q4 3.7 - - - - - 3.3 4.7 5.5 2.4

Q1 4.5 - - - - - 4.1 4.3 9.1 3.2

Average Loan Balance (PKR)

Q4 46,269 33,396 41,398 216,748 95,808 39,881 64,942 26,128 25,072 19,471

Q1 44,851 35,603 36,046 302,254 104,641 38,097 58,234 27,695 27,581 16,872

Number of Loans Disbursed

Q4 3,011,022 264,790 2,658,539 87,693 - - 2,168,992 640,115 200,300 1,615

Q1 4,123,473 201,734 3,717,885 203,854 - - 3,262,505 659,222 199,936 1,810

Disbursements (PKR Millions)

Q4 108,922 12,173 77,488 19,261 - - 70,926 29,638 8,286 72

Q1 103,178 9,492 70,003 23,683 - - 67,552 26,922 8,600 104

Average Loan Size (PKR)

Q4 36,175 45,974 29,147 219,645 - - 32,700 46,302 41,368 44,578

Q1 25,022 47,052 18,829 116,178 - - 20,705 40,840 43,013 57,684

Districts with Highest Growth (Net) by Province

Province District Active Borrowers (Q1) Growth (Q4toQ1) Potential Microfinance Market Penetration Rate(%)

A Net % B (A/B)x100

1 Muzaffarabad 25,540 -1,569 -5.8 - -

2 AJK Kotli 20,717 873 4.4 - -

3 Poonch 17,224 -486 -2.7 - -

1 Quetta 9,739 411 4.4 - -

2 Balochistan Nasirabad 6,593 432 7 - -

3 Lasbela 3,662 1,209 49.3 - -

1 Gilgit 23,295 -195 -.8 - -

2 Gilgit-Baltistan Ghizer 15,430 497 3.3 - -

3 Skardu 6,821 296 4.5 - -

1 Bajaur Agency 6,575 -134 -2 - -

2 FATA Khyber Agency 6,524 -395 -5.7 - -

3 Kurram Agency 3,756 -204 -5.2 - -

1 ICT ICT 1,177,946 581,763 97.6 - -

1 Haripur 21,042 -822 -3.8 - -

2 Khyber-Pakhtunkhwa Abbottabad 17,233 321 1.9 - -

3 Peshawar 16,842 719 4.5 - -

1 Faisalabad 298,118 5,649 1.9 - -

2 Punjab Lahore 264,880 -2,834 -1.1 - -

3 Rahimyar Khan 242,329 -1,169 -.5 - -

1 Karachi 227,861 -3,655 -1.6 - -

2 Sindh Sanghar 91,458 2,302 2.6 - -

3 Naushahro Feroze 69,372 792 1.2 - -

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MICROCREDIT PROVISION

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MICROCREDIT PROVISION

4.5
3.7

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MICROCREDIT PROVISION

MFPs with Largest Net Increase in Active Borrowers MFPs with Largest Percentage Increase in Active Borrowers

MFP Increase in Active Borrowers Market Share (% of Active Borrowers) MFP Increase in Active Borrowers Market Share (% of Active Borrowers)

Q4 to Q1 Q4 toQ1

Net % Net %

1 MMFB 595,890 73.7 18.5 1 MMFB 595,890 73.7 18.5

2 AMFB 26,951 31.9 1.5 2 AMFB 26,951 31.9 1.5

3 ASA 21,113 5.0 5.8 3 SRSP 906 20.0 0.1

4 FMFB 20,345 3.6 7.8 4 OPD 445 10.5 0.1

5 KASHF 20,090 4.0 6.9 5 Advans 849 10.0 0.1

Largest Providers of Microcredit (Active Borrowers) Largest Providers of Microcredit (Gross Loan Portfolio)

MFP Active Borrowers (Q1) Market Share (% of Active Borrowers) MFP GLP (Q1) Market Share (% of GLP)

1 MMFB 1,404,129 18.5 1 KBL 62,709,024,993 18.4

2 KBL 870,299 11.5 2 FMFB 46,166,623,716 13.6

3 AKHU 774,889 10.2 3 UBANK 33,212,971,547 9.8

4 NRSP 670,131 8.8 4 NRSP-B 29,204,907,167 8.6

5 FMFB 591,470 7.8 5 MMFB 28,065,384,071 8.2

MFPs with Largest Geographic Spread

MFP AKHU KBL FMFB UBANK KASHF

Geographic Spread (No. of Districts) 97 82 81 79 63

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MICRO-SAVINGS PROVISION

Summary of Micro-savings Provision (All Pakistan)

Saving Methodology Medium Peer Group

Total Intermediation Mobilization Branches M-Wallets MFB MFI RSP Other MFPs

Number of Savers

Q4 64,112,657 60,852,016 3,260,641 12,179,001 51,933,656 60,852,016 58,295 3,202,346 -

Q1 67,442,325 64,193,616 3,248,709 13,713,100 53,729,225 64,193,616 58,295 3,190,414 -

Value of Savings (PKR Millions)

Q4 374,362 373,099 1,263 325,142 49,220 373,099 10 1,253 -

Q1 372,572 371,322 1,250 319,200 53,371 371,322 10 1,240 -

Average Saving Balance (PKR Millions)

Q4 5,839 6,131 387 26,697 948 6,131 177 391 -

Q1 5,524 5,784 385 23,277 993 5,784 177 389 -

Micro-savings Provision by MFPs

MFPs offering Savings Saving Methodology Peer Group

Total Intermediation Mobilization MFB MFI RSP Other MFPs

No. of Reporting MFPs

Q4 37 15 11 4 11 1 3 -

Q1 36 16 11 5 11 1 4 -

Saving Methodology:

1. Intermediation: Public deposits used to nance an organization’s loan portfolio. Only SBP-regulated MFPs (CFIs and MFBs) can accept and intermediate deposits
from the general public.

2. Mobilization: MFPs not regulated by SBP (MFIs, NGOs, RSPs) can neither hold nor intermediate deposits from the general public. These organizations do however
mobilize savings from their members/clients to place with licensed commercial banks.

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MICRO-SAVINGS PROVISION

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Largest Providers of Micro-savings (Value of Savings)

MFP Value of Savings (Q1) Market Share (% of Value of Savings)

1 KBL 86,753,288,916 23.3

2 FMFB 64,481,061,537 17.3

3 MMFB 48,954,315,639 13.1

4 UBANK 45,397,022,594 12.2

5 NRSP-B 41,768,466,922 11.2

Districts with Highest Outreach (Active Savers) MFPs with Largest Increase in Active Savers (Net)

District Active Savers (Q1) Increase (Q4 to Q1) MFP Increase in Active Savers (Q4) to (Q1)

Net % Net %

1 Lahore 23,624,772 2,247,987 9.5 1 MMFB 3,453,537 12.0

2 Karachi 13,314,169 44,075 .3 2 UBANK 417,084 28.2

3 Rawalpindi 2,779,785 506,524 18.2 3 FMFB 103,790 7.6

4 Peshawar 2,630,389 431,274 16.4 4 KBL 56,090 2.0

5 Bahawalpur 1,180,646 -78,701 -6.7 5 FINCA 55,603 3.6

MFPs with Largest Increase in Value of Savings (Net) Largest Providers of Micro-savings (Active Savers)

MFP Increase in Value of Savings (Q4 to Q1) MFP Active Savers (Q1) Market Share (% of Active Savers)

Net % 1 MMFB 32,145,820 47.7

1 FMFB 2,686,060,587 4.4 2 TMFB 22,483,693 33.3

2 NRSP-B 2,477,616,780 6.3 3 NRSP 3,023,760 4.5

3 MMFB 2,063,649,935 4.4 4 KBL 2,847,055 4.2

4 TMFB 121,170,585 .3 5 UBANK 1,896,018 2.8

5 Advans 108,832,797 10.3

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MICRO-INSURANCE PROVISION

Summary of Micro-insurance Provision (All Pakistan)

Type Peer Group

Total Health Credit Life MFB MFI RSP Other MFPs

Number of Policy Holders

Q4 7,324,379 3,408,382 3,882,076 2,807,652 3,611,521 900,021 5,185

Q1 7,652,045 3,817,088 3,814,603 2,784,139 3,977,182 888,162 2,562

Sum Insured (PKR Millions)

Q4 244,650 - - 138,832 82,349 23,318 152

Q1 261,976 - - 143,677 94,791 23,442 67

Micro-insurance Provision by MFPs

MFPs offering Insurance Type of Insurance offered Peer Group

Total Health Life Other MFB MFI RSP Other MFPs

No. of Reporting MFPs

Q4 37 22 10 17 1 8 11 2 1

Q1 36 23 9 17 2 8 11 3 1

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MICRO-INSURANCE PROVISION

Districts with Highest Outreach (Policy Holders) Top 5 Districts: Greatest Increase in Micro-Insurance Outreach

District Policy Holders (Q1) Increase (Q4 to Q1) District Policy Holders (Q1) Growth (Q4 to Q1)

Net % Net %

1 Karachi 553,648 -52,466 -8.7 1 Lahore 433,824 45,269 11.6

2 Faisalabad 465,056 40,178 9.5 2 Faisalabad 465,056 40,178 9.5

3 Lahore 433,824 45,269 11.6 3 Gujranwala 307,360 38,628 14.4

4 Gujranwala 307,360 38,628 14.4 4 Kasur 205,541 31,757 18.3

5 Rahimyar Khan 261,012 939 .4 5 Okara 171,514 29,851 21.1

Largest Providers of Micro-Insurance (Policy Holders) Largest Providers of Micro-Insurance (Sum Insured)

MFP Policy Holders (Q1) Market Share (% of Policy Holders) MFP Sum Insured (Q1) Market Share (% of Sum Insured)

1 KASHF 2,295,414 30 1 KASHF 66,029,846,424 25.2

2 KBL 924,628 12.1 2 KBL 65,527,364,993 25

3 NRSP 848,296 11.1 3 FMFB 46,197,048,566 17.6

4 AKHU 774,889 10.1 4 NRSP 22,418,891,399 8.6

5 FMFB 607,481 7.9 5 AKHU 19,638,316,369 7.5

OUTREACH (All Pakistan)

Province Offices Microcredit Micro-Savings Micro-Insurance Potential Microfinance Market Penetration Rate(%)

Fixed Mobile Active Borrowers Gross Loan Portfolio(PKR) Active Savers Value of Savings(PKR) Policy Holders Sum Insured(PKR)

AJK 85 - 112,765 5,128,031,921 994,058 6,291,254,487 118,792 4,366,721,515 - -

Balochistan 40 - 40,581 2,278,140,574 870,636 1,741,705,335 42,926 2,179,741,830 500,000 8.1

Gilgit-Baltistan 68 1 51,500 4,714,683,086 203,323 17,507,346,421 54,301 4,276,848,694 - -

FATA 21 - 21,384 571,718,258 151,263 152,441,223 21,384 571,718,258 - -

ICT 33 6 1,177,946 1,768,250,608 330,583 35,318,984,902 85,881 3,038,503,880 - -

Khyber-Pakhtunkhwa 183 17 172,522 12,331,997,306 5,326,570 22,842,621,682 206,319 7,795,948,609 5,000,000 3.5

Punjab 2,520 18 4,799,471 249,984,989,453 42,626,625 154,317,475,089 5,812,108 195,400,654,910 12,600,000 38.1

Sindh 790 1 1,214,961 63,695,271,206 16,939,267 134,399,676,248 1,310,334 44,488,639,692 2,400,000 50.6

GRAND TOTAL 3,740 43 7,591,130 340,473,082,412 67,442,325 372,571,505,386 7,652,045 262,118,777,387 20,500,000 37.0

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OUTREACH (District Level)

BALUCHISTAN
District Offices Microcredit Micro-Savings Micro-Insurance Potential Microfinance Market

Fixed Mobile Active Borrowers Gross Loan Portfolio(PKR) Active Savers Value of Savings(PKR) Policy Holders Sum Insured(PKR)

Awaran NRSP, TMFB,

- - - - 11,478 1,370,511 - - -

Barkhan TMFB,

- - - - 4,473 3,897,762 - - -

Bolan TMFB,

- - - - 868 776,709 - - -

Chagai MMFB, TMFB,

- - - - 14,665 17,952,424 - - -

Dera Bugti TMFB, UBANK,

1 - 859 72,280,000 9,668 8,332,648 - - -

Gwadar AKHU, FMFB, MMFB, NRSP, POMFB, TMFB, UBANK,

4 - 1,605 56,360,891 24,064 52,776,846 1,554 40,554,505 -

Jafarabad FMFB, KBL, MMFB, POMFB, TMFB, UBANK,

6 - 3,015 326,071,154 33,224 49,943,158 1,760 201,384,154 -

Jhal Magsi MMFB, TMFB,

- - - - 6,587 8,623,498 - - -

Kalat MMFB, TMFB,

- - - - 3,227 2,867,231 - - -

Kech (Turbat) NRSP, TMFB,

- - - - 80,748 13,000,395 - - -

Kharan MMFB, TMFB,

- - - - 2,964 3,402,783 - - -

Khuzdar MMFB, TMFB,

- - - - 8,115 8,440,406 - - -

Kohlu TMFB,

- - - - 169 218,436 - - -

Lasbela AKHU, FMFB, KASHF, MMFB, NRSP, POMFB, TMFB,

5 - 3,662 147,797,956 47,359 4,907,075 8,380 289,501,298 -

Loralai AKHU, MMFB, TMFB,

2 - 2,977 63,071,502 11,999 19,121,973 2,977 63,071,502 -

Mastung AKHU, MMFB, TMFB,

1 - 1,892 27,304,000 4,342 4,253,258 1,892 27,304,000 -

Musakhel TMFB,

- - - - 3 144 - - -

Nasirabad FMFB, KBL, MMFB, POMFB, TMFB,

3 - 6,593 708,476,516 42,123 136,245,424 6,754 708,856,516 -

Nushki TMFB,

- - - - 5,055 5,128,916 - - -

Panjgur NRSP, TMFB,

- - - - 25,015 6,555,046 - - -

Pishin AKHU, MMFB, TMFB,

1 - 1,222 19,562,192 10,267 15,489,435 1,222 19,562,192 -

Qila Abdullah AKHU, MMFB, TMFB,

1 - 1,263 17,282,450 9,888 13,276,401 1,263 17,282,450 -

Qila Saifullah AKHU, MMFB, TMFB,

1 - 1,270 18,088,500 3,555 2,658,579 1,270 18,088,500 -

Quetta AKHU, AMFB, FINCA, FMFB, MMFB, NRSP-B, TMFB, UBANK,

11 - 9,739 471,847,374 476,988 1,287,656,123 9,370 444,138,674 -

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BALUCHISTAN Cont.
District Offices Microcredit Micro-Savings Micro-Insurance Potential Microfinance Market

Fixed Mobile Active Borrowers Gross Loan Portfolio(PKR) Active Savers Value of Savings(PKR) Policy Holders Sum Insured(PKR)

Sherani TMFB,

- - - - 1,302 1,030,454 - - -

Sibi AKHU, FMFB, MMFB, TMFB,

2 - 3,234 299,626,039 19,309 57,308,163 3,234 299,626,039 -

Washuk TMFB,

- - - - 2 4 - - -

Zhob AKHU, MMFB, TMFB,

2 - 3,250 50,372,000 10,131 12,347,731 3,250 50,372,000 -

Ziarat MMFB, TMFB,

- - - - 3,048 4,123,803 - - -

Total 40 - 40,581 2,278,140,574 870,636 1,741,705,335 42,926 2,179,741,830 500,000

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OUTREACH (District Level)

KHYBER-PAKHTUNKHWA (KP)
District Offices Microcredit Micro-Savings Micro-Insurance Potential Microfinance Market

Fixed Mobile Active Borrowers Gross Loan Portfolio(PKR) Active Savers Value of Savings(PKR) Policy Holders Sum Insured(PKR)

Abbottabad AKHU, AMFB, FINCA, FMFB, GBTI, KASHF, KBL, MMFB, NRSP-B, POMFB, TMFB, UBANK,

17 1 17,233 1,311,166,158 226,024 1,540,811,232 19,127 979,664,504 -

Bannu AKHU, FINCA, MMFB, NRSP-B, TMFB,

4 - 4,708 323,624,421 58,082 553,281,724 3,176 72,015,120 -

Batgram AKHU, MMFB, TMFB,

1 - 591 13,397,354 33,248 34,796,535 591 13,397,354 -

Buner (Daggar) KBL, MMFB, TMFB,

1 - 573 46,759,161 62,176 168,720,132 594 48,019,161 -

Charsadda AKHU, AMFB, KASHF, KBL, MMFB, NRSP, NRSP-B, SRSP, TMFB, UBANK,

7 - 5,882 483,671,903 147,602 357,808,559 5,791 259,040,468 -

Chitral AKHU, FMFB, MMFB, NRSP-B, TMFB,

12 - 10,313 1,011,523,300 105,303 1,881,299,776 10,564 933,255,699 -

D.I. Khan AKHU, FINCA, FMFB, KBL, MMFB, NRSP-B, TMFB, UBANK,

12 - 16,677 1,307,376,434 181,660 951,881,429 17,475 894,594,647 -

Hangu MMFB, TMFB,

- - - - 18,775 13,901,399 - - -

Haripur AKHU, AMFB, FINCA, FMFB, GBTI, KASHF, KBL, MMFB, NRSP, NRSP-B, POMFB, SRSP, TMFB, UBANK,

14 15 21,042 1,366,685,518 153,354 549,299,463 52,445 711,515,115 -

Karak MMFB, SRSP, TMFB,

1 - 840 12,721,000 66,939 76,070,570 - - -

Kohat AKHU, KBL, MMFB, NRSP-B, SRSP, TMFB, UBANK,

6 - 2,899 304,236,254 38,451 1,464,043,440 1,577 123,304,176 -

Kohistan AMFB, MMFB, TMFB,

1 - 42 4,369,343 4,869 159,210,779 - - -

Lakki Marwat AKHU, MMFB, TMFB,

1 - 737 21,689,712 62,381 82,339,130 737 21,689,712 -

Lower Dir AKHU, KBL, MMFB, NRSP-B, TMFB,

5 - 2,444 300,666,530 119,169 612,834,657 1,077 53,835,357 -

Malakand AKHU, KBL, MMFB, NRSP, TMFB,

2 - 1,996 152,908,663 122,034 333,430,547 2,005 153,448,663 -

Mansehra AKHU, FINCA, FMFB, KASHF, KBL, MMFB, NRSP-B, POMFB, TMFB, UBANK,

17 - 14,660 943,617,102 189,700 698,322,985 16,891 719,546,557 -

Mardan AKHU, AMFB, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, NRSP-B, POMFB, TMFB, UBANK,

14 - 14,848 1,186,427,159 316,955 589,284,303 14,678 562,932,699 -

Mingora KBL, MMFB, OLP, TMFB,

2 - 2,524 296,779,017 16,410 681,880,397 2,556 300,422,808 -

Nowshera AKHU, AMFB, FMFB, KASHF, KBL, MMFB, NRSP, NRSP-B, POMFB, SRSP, TMFB, UBANK,

17 - 15,872 932,572,283 182,730 404,826,174 17,448 662,856,502 -

Peshawar AKHU, AMFB, FINCA, FMFB, KASHF, KBL, MMFB, NRSP-B, OLP, SRSP, TMFB, UBANK,

23 - 16,842 1,112,891,674 2,630,389 9,756,507,235 19,139 667,034,762 -

Shangla FMFB, MMFB, TMFB,

1 - 689 46,067,856 56,469 68,921,077 689 46,067,856 -

Swabi AKHU, GBTI, KASHF, KBL, MMFB, NRSP, NRSP-B, POMFB, TMFB, UBANK,

12 1 13,552 780,332,439 234,939 1,153,116,488 12,951 414,078,954 -

Swat AKHU, MMFB, NRSP, NRSP-B, SRSP, TMFB, UBANK,

8 - 3,426 281,452,553 218,357 631,170,343 2,676 68,167,022 -

Tank AKHU, MMFB, TMFB,

5 - 4,132 91,061,472 22,571 28,606,815 4,132 91,061,472 -

Upper Dir MMFB, TMFB,

- - - - 57,983 50,256,493 - - -

Total 183 17 172,522 12,331,997,306 5,326,570 22,842,621,682 206,319 7,795,948,609 5,000,000

13
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OUTREACH (District Level)

PUNJAB
District Offices Microcredit Micro-Savings Micro-Insurance Potential Microfinance Market

Fixed Mobile Active Borrowers Gross Loan Portfolio(PKR) Active Savers Value of Savings(PKR) Policy Holders Sum Insured(PKR)

Attock AKHU, ASA, FINCA, FMFB, GBTI, KASHF, KBL, MMFB, NRSP, POMFB, TMFB, UBANK,

68 10 100,193 3,540,336,785 320,951 935,741,145 171,667 3,654,202,041 -

Bahawalpur AGAHE, AKHU, AMFB, ASA, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, NRSP-B, TMFB, UBANK,

76 - 208,433 13,369,724,951 1,180,646 6,245,777,057 220,206 8,642,967,362 -

Bhakkar AKHU, AMFB, ASA, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, TMFB, UBANK,

41 - 95,332 6,547,759,251 567,573 1,168,255,519 78,852 3,402,772,226 -

Bhawalnagar AGAHE, AKHU, AMFB, ASA, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, NRSP-B, TMFB, UBANK,

86 - 225,797 15,722,938,796 713,525 4,305,405,519 201,376 8,812,992,102 -

Chakwal AKHU, AMFB, ASA, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, POMFB, SVDP, TMFB, UBANK,

65 - 94,676 3,294,879,017 260,045 839,539,590 117,762 3,735,804,766 -

Chiniot AKHU, ASA, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, RCDP, TMFB, UBANK,

20 - 43,570 2,168,203,261 209,628 390,738,680 53,466 1,987,037,358 -

D.G. Khan AKHU, AMFB, ASA, CSC, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, TMFB, UBANK,

36 - 69,400 3,726,641,393 553,942 1,889,073,978 67,189 3,106,514,181 -

Faisalabad AKHU, AMFB, ASA, DAMEN, FFO, FINCA, FMFB, JWS, KASHF, KBL, MCBIB, MMFB, NRSP, NRSP-B, POMFB, PRSP, RCDP, TMFB, UBANK, WASIL,

171 - 298,118 11,382,504,206 999,176 3,823,653,862 465,056 12,092,516,200 -

Gujranwala AKHU, AMFB, ASA, DAMEN, FFO, FINCA, FMFB, JWS, KASHF, KBL, MCBIB, MMFB, NRSP, NRSP-B, OPD, POMFB, RCDP, TMFB, UBANK, WASIL,

126 - 208,139 9,062,861,016 581,636 2,072,268,908 307,360 11,525,838,122 -

Gujrat AKHU, AMFB, ASA, FINCA, FMFB, JWS, KASHF, KBL, MCBIB, MMFB, NRSP, NRSP-B, POMFB, PRSP, TMFB, UBANK,

65 - 79,024 3,623,156,941 309,870 1,709,147,268 94,759 3,298,321,079 -

Hafizabad AKHU, AMFB, ASA, FINCA, FMFB, JWS, KASHF, KBL, MMFB, NRSP, NRSP-B, PRSP, RCDP, TMFB, UBANK,

28 - 55,604 3,442,830,595 217,049 637,479,001 50,342 2,358,441,696 -

Jhang AKHU, AMFB, ASA, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, NRSP-B, PRSP, RCDP, TMFB, UBANK,

62 1 137,353 7,735,262,888 577,714 1,052,554,265 145,402 4,717,012,911 -

Jhelum AKHU, AMFB, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, POMFB, TMFB, UBANK,

37 - 62,598 2,030,980,429 245,799 889,323,373 102,507 3,361,558,966 -

Kasur AKHU, AMFB, ASA, CSC, DAMEN, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, NRSP-B, OLP, RCDP, TMFB, UBANK,

88 - 137,270 5,841,958,872 434,903 950,284,485 205,541 5,442,828,107 -

Khanewal AGAHE, AKHU, AMFB, ASA, FINCA, FMFB, KASHF, KBL, MMFB, NRSP-B, PRSP, RCDP, TMFB, UBANK, WASIL,

62 - 118,357 6,869,398,255 433,987 1,417,462,957 146,605 4,999,039,390 -

Khushab AKHU, AMFB, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, NRSP-B, SVDP, TMFB, UBANK,

37 - 76,583 3,537,197,408 315,024 774,748,422 94,156 3,208,857,872 -

Lahore AGAHE, AKHU, AMFB, ASA, CSC, DAMEN, FINCA, FMFB, JWS, KASHF, KBL, MCBIB, MMFB, NRSP, NRSP-B, OLP, POMFB, PRSP, RCDP, TFC, TMFB, UBANK, WASIL,

206 - 264,880 10,976,221,864 23,624,772 64,901,551,119 433,824 11,650,341,572 -

Leyyah AKHU, AMFB, ASA, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, NRSP-B, PRSP, RCDP, TMFB, UBANK,

60 - 149,230 9,431,014,854 471,389 1,738,235,850 128,540 5,255,554,818 -

Lodhran AKHU, AMFB, ASA, FINCA, FMFB, KASHF, KBL, MMFB, NRSP-B, PRSP, TMFB, UBANK,

35 - 107,170 8,504,953,499 454,216 1,276,614,361 99,216 4,361,761,180 -

Mandi Bahauddin AKHU, AMFB, ASA, FINCA, FMFB, JWS, KASHF, KBL, MMFB, NRSP, POMFB, PRSP, TMFB, UBANK,

48 - 70,644 3,928,462,353 244,272 911,620,812 99,842 3,487,584,950 -

Mianwali AKHU, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, TMFB, UBANK,

33 - 59,553 2,119,575,491 283,865 802,763,558 70,703 2,271,539,679 -

Multan AKHU, AMFB, ASA, FFO, FINCA, FMFB, KASHF, KBL, MCBIB, MMFB, MOJAZ, NRSP, NRSP-B, RCDP, TMFB, UBANK, WASIL,

85 - 199,225 11,246,458,775 845,984 4,950,132,367 223,453 7,487,157,769 -

Muzaffargarh AGAHE, AKHU, ASA, FFO, FINCA, FMFB, KASHF, KBL, MMFB, MOJAZ, NRSP, NRSP-B, PRSP, TMFB, UBANK,

75 - 177,553 10,776,774,332 672,942 1,757,067,926 210,308 7,085,737,400 -

Nankana Sahib AKHU, ASA, DAMEN, FFO, FINCA, FMFB, JWS, KASHF, KBL, MMFB, NRSP, OLP, RCDP, TMFB, UBANK, WASIL,

58 - 94,960 4,041,077,376 161,808 425,194,125 126,255 3,366,225,979 -

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PUNJAB Cont.
District Offices Microcredit Micro-Savings Micro-Insurance Potential Microfinance Market

Fixed Mobile Active Borrowers Gross Loan Portfolio(PKR) Active Savers Value of Savings(PKR) Policy Holders Sum Insured(PKR)

Narowal AKHU, ASA, FINCA, FMFB, JWS, KASHF, KBL, MMFB, MOJAZ, NRSP, PRSP, TMFB, UBANK,

50 - 99,566 3,944,337,176 215,519 1,114,621,275 119,781 4,064,071,537 -

Okara AKHU, AMFB, ASA, CSC, DAMEN, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, NRSP-B, OLP, PRSP, RCDP, TMFB, UBANK,

80 - 146,118 8,344,253,387 612,865 1,729,788,915 171,514 4,979,894,296 -

Pakpattan AKHU, AMFB, ASA, CSC, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, NRSP-B, PRSP, RCDP, TMFB, UBANK,

39 - 77,883 4,502,129,427 315,050 809,298,920 78,525 2,831,225,149 -

Rahimyar Khan AKHU, AMFB, ASA, FINCA, FMFB, KASHF, KBL, MCBIB, MMFB, NRSP, NRSP-B, TMFB, UBANK,

92 - 242,329 16,464,475,738 943,210 4,527,654,319 261,012 10,507,264,591 -

Rajanpur AGAHE, AKHU, AMFB, ASA, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, TMFB, UBANK,

45 - 111,382 6,297,495,956 435,958 1,522,000,212 102,036 5,142,051,515 -

Rawalpindi AKHU, AMFB, ASA, FINCA, FMFB, GBTI, KASHF, KBL, MMFB, NRSP, NRSP-B, POMFB, TMFB, UBANK,

85 7 140,034 5,101,819,988 2,779,785 27,411,798,531 110,312 3,405,335,220 -

Sahiwal AKHU, AMFB, ASA, CSC, DAMEN, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, NRSP-B, PRSP, RCDP, TMFB, UBANK,

56 - 120,710 6,558,733,774 450,661 1,539,387,670 177,164 5,580,283,184 -

Sargodha AKHU, AMFB, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, OLP, POMFB, PRSP, RCDP, SVDP, TMFB, UBANK,

88 - 168,712 8,446,566,940 631,237 1,887,858,637 203,946 7,076,704,549 -

Sheikhupura AKHU, AMFB, ASA, DAMEN, FFO, FINCA, FMFB, JWS, KASHF, KBL, MMFB, NRSP, OLP, POMFB, PRSP, RCDP, TMFB, UBANK, WASIL,

104 - 149,539 5,726,287,078 340,376 1,012,440,234 165,985 4,472,398,075 -

Sialkot AKHU, AMFB, ASA, DAMEN, FINCA, FMFB, JWS, KASHF, KBL, MCBIB, MMFB, MOJAZ, NRSP, NRSP-B, POMFB, PRSP, RCDP, TMFB, UBANK,

91 - 163,685 7,354,982,090 493,610 3,560,135,544 195,034 6,067,746,474 -

Toba Tek Singh AKHU, AMFB, ASA, DAMEN, FINCA, FMFB, JWS, KASHF, KBL, MMFB, NRSP, NRSP-B, PRSP, RCDP, TMFB, UBANK,

65 - 118,758 6,510,420,776 419,480 1,448,476,741 181,524 6,426,805,906 -

Vihari AGAHE, AKHU, AMFB, ASA, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, NRSP-B, TMFB, UBANK,

57 - 127,093 7,812,314,516 308,158 1,889,379,942 130,888 5,534,266,688 -

Total 2,520 18 4,799,471 249,984,989,453 42,626,625 154,317,475,089 5,812,108 195,400,654,910 12,600,000

15
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OUTREACH (District Level)

SINDH
District Offices Microcredit Micro-Savings Micro-Insurance Potential Microfinance Market

Fixed Mobile Active Borrowers Gross Loan Portfolio(PKR) Active Savers Value of Savings(PKR) Policy Holders Sum Insured(PKR)

Badin AKHU, ASA, FMFB, KASHF, KBL, MMFB, NRSP, OCT, POMFB, SMFB, TMF, TMFB, UBANK,

39 - 45,503 2,053,916,791 367,399 330,450,541 52,828 2,160,066,755 -

Dadu AMFB, ASA, FMFB, KASHF, KBL, MMFB, OCT, SMFB, SRSO, TMF, TMFB, UBANK,

42 - 56,338 3,459,888,833 179,018 1,025,223,395 37,683 2,565,956,573 -

Ghotki Advans, AKHU, AMFB, ASA, FINCA, FMFB, KBL, MMFB, SMFB, SRSO, TMFB, UBANK,

25 - 41,515 3,072,763,437 238,072 605,635,463 22,074 1,838,080,897 -

Hyderabad Advans, AKHU, AMFB, ASA, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, NRSP-B, POMFB, SMFB, SSF, TMF, TMFB, UBANK,

37 - 65,507 2,923,451,153 291,336 2,895,884,430 68,166 2,400,139,262 -

Jacobabad AKHU, FMFB, KBL, MMFB, SRSO, TMFB, UBANK,

7 - 12,801 860,347,498 56,212 247,340,740 7,382 548,183,376 -

Jamshoro ASA, MMFB, OCT, POMFB, SMFB, SRSO, SSF, TMF, TMFB,

19 - 25,088 612,269,371 34,414 18,473,843 7,503 52,065,628 -

Karachi Advans, AKHU, AMFB, ASA, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, NRSP-B, OCT, POMFB, SMFB, TMFB, UBANK,

137 - 227,861 7,360,073,750 13,314,169 115,290,598,671 553,648 7,413,328,936 -

Kashmore FMFB, KBL, MMFB, SRSO, TMFB, UBANK,

7 - 19,639 1,442,734,689 79,024 342,472,551 13,017 967,264,771 -

Khairpur AKHU, AMFB, ASA, FINCA, FMFB, KASHF, KBL, MMFB, SMFB, SRSO, TMF, TMFB, UBANK,

36 - 58,680 4,317,232,112 206,855 1,650,850,860 46,615 2,910,707,126 -

Larkana Advans, AMFB, ASA, FINCA, FMFB, KASHF, KBL, MMFB, SMFB, SRSO, TMF, TMFB, UBANK,

33 - 57,958 3,945,520,480 223,453 1,936,968,672 52,799 3,048,727,657 -

Matyari ASA, FMFB, KASHF, KBL, MMFB, NRSP-B, SMFB, SRSO, SSF, TMF, TMFB, UBANK,

19 - 30,908 1,788,601,156 56,700 487,145,595 32,117 995,797,209 -

Mirpur Khas Advans, AKHU, AMFB, ASA, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, POMFB, SMFB, SSF, TMF, TMFB, UBANK,

44 - 60,157 3,125,305,699 345,607 1,099,310,397 44,701 2,300,623,802 -

Naushahro Feroze AMFB, ASA, FMFB, KASHF, KBL, MMFB, NRSP-B, OLP, POMFB, SMFB, SRSO, SSF, TMF, TMFB, UBANK,

43 - 69,372 3,810,765,244 74,402 393,213,839 52,072 2,207,235,910 -

Nawabshah Advans, AMFB, ASA, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, NRSP-B, SMFB, SRSO, SSF, TMF, TMFB,

28 - 40,795 2,097,787,547 47,059 397,279,627 37,942 1,335,359,932 -

Sanghar AMFB, ASA, FMFB, KASHF, KBL, MMFB, NRSP, POMFB, SMFB, SRSO, SSF, TMF, TMFB, UBANK, VDO,

59 1 91,458 4,141,843,470 195,528 925,627,769 69,984 2,260,075,707 -

Sehwan Sharif MMFB, TMFB,

- - - - 969 536,881 - - -

Shaheed Benazirabad SMFB, TMFB, UBANK,

9 - 8,195 750,318,881 67,920 138,809,882 3,241 225,087,156 -

Shehdad Kot ASA, KASHF, KBL, MMFB, SMFB, SRSO, SSSF, TMF, TMFB, UBANK,

33 - 43,045 2,812,161,849 104,808 577,187,037 32,904 1,563,271,604 -

Shikarpur AMFB, ASA, FMFB, KASHF, KBL, MMFB, SMFB, SRSO, TMFB, UBANK,

12 - 27,777 1,562,518,295 83,576 375,900,437 23,570 1,194,662,013 -

Sujawal ASA, SMFB, TMF, TMFB, UBANK,

7 - 4,660 218,135,205 955 9,399,191 193 38,610 -

Sukkur Advans, AKHU, AMFB, ASA, FINCA, FMFB, KASHF, KBL, MMFB, NRSP-B, POMFB, SMFB, SRSO, TMF, TMFB, UBANK,

42 - 68,002 4,296,233,810 241,734 2,977,780,462 47,823 2,499,112,537 -

Tando Allahyar AKHU, AMFB, ASA, FINCA, FMFB, KASHF, KBL, MMFB, NRSP, NRSP-B, POMFB, SMFB, SSF, TMF, TMFB, UBANK,

17 - 27,697 1,528,867,938 135,824 331,349,836 25,379 962,351,603 -

Tando Jam FMFB, MMFB, TMFB,

- - - - 1,563 621,503 67 31,825 -

Tando Muhammad Khan AKHU, AMFB, FMFB, KASHF, KBL, MMFB, NRSP, SMFB, SSF, TMFB, UBANK,

11 - 17,311 1,153,367,783 110,683 294,371,858 19,580 966,341,514 -

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SINDH Cont.
District Offices Microcredit Micro-Savings Micro-Insurance Potential Microfinance Market

Fixed Mobile Active Borrowers Gross Loan Portfolio(PKR) Active Savers Value of Savings(PKR) Policy Holders Sum Insured(PKR)

Tharparkar AKHU, ASA, FMFB, KBL, MMFB, SMFB, TMF, TMFB, UBANK,

22 - 28,148 1,813,576,058 162,434 598,209,738 10,590 1,131,901,281 -

Thatta AKHU, ASA, FMFB, KASHF, KBL, MMFB, NRSP, SMFB, SSF, TMF, TMFB, UBANK,

31 - 34,314 1,693,321,956 141,889 464,128,353 27,868 1,538,022,284 -

Umer Kot AMFB, ASA, FINCA, FMFB, KBL, MMFB, POMFB, SMFB, TMF, TMFB, UBANK,

31 - 52,232 2,854,268,201 177,664 984,904,678 20,588 1,404,205,727 -

Total 790 1 1,214,961 63,695,271,206 16,939,267 134,399,676,248 1,310,334 44,488,639,692 2,400,000

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OUTREACH (District Level)

AZAD JAMMU AND KASHMIR (AJK)

District Offices Microcredit Micro-Savings Micro-Insurance Potential Microfinance Market

Fixed Mobile Active Borrowers Gross Loan Portfolio(PKR) Active Savers Value of Savings(PKR) Policy Holders Sum Insured(PKR)

Bagh AKHU, KBL, MMFB, NRSP, TMFB, UBANK,

10 - 14,081 608,696,796 129,337 206,493,582 13,643 487,440,756 -

Bhimber AKHU, MMFB, NRSP, TMFB,

6 - 9,293 324,898,680 36,513 33,409,088 9,164 292,624,128 -

Kotli AKHU, FINCA, MMFB, NRSP, POMFB, TMFB,

16 - 20,717 852,064,046 130,638 180,177,086 24,353 777,599,528 -

Mirpur AKHU, AMFB, FINCA, KBL, MMFB, NRSP, NRSP-B, TMFB, UBANK,

13 - 11,745 543,766,363 22,769 1,767,109,012 11,089 454,428,654 -

Muzaffarabad AKHU, AMFB, FINCA, FMFB, KBL, MMFB, NRSP, NRSP-B, TMFB, UBANK,

18 - 25,540 1,647,364,893 504,876 3,960,185,315 23,614 1,136,060,457 -

Neelum AKHU, MMFB, TMFB,

5 - 3,857 101,572,959 8,569 9,034,048 3,857 101,572,959 -

Poonch AKHU, KBL, MMFB, NRSP, TMFB,

10 - 17,224 678,210,213 106,897 99,994,226 20,690 757,854,458 -

Sudhnati AKHU, MMFB, NRSP, TMFB,

7 - 10,308 371,457,971 54,459 34,852,130 12,382 359,140,574 -

Total 85 - 112,765 5,128,031,921 994,058 6,291,254,487 118,792 4,366,721,515 -

GILGIT-BALTISTAN (GB)
District Offices Microcredit Micro-Savings Micro-Insurance Potential Microfinance Market

Fixed Mobile Active Borrowers Gross Loan Portfolio(PKR) Active Savers Value of Savings(PKR) Policy Holders Sum Insured(PKR)

Astore AKHU, FMFB, MMFB, NRSP-B, TMFB,

3 - 1,835 206,937,028 9,944 275,330,947 2,308 141,302,448 -

Diamer AKHU, AMFB, FMFB, MMFB, NRSP-B, TMFB,

4 - 707 54,955,400 7,398 5,382,623,898 638 45,386,374 -

Ghanche AKHU, FMFB, MMFB, NRSP-B, TMFB,

6 - 3,412 334,724,812 18,799 657,641,860 3,786 290,822,694 -

Ghizer AKHU, FMFB, KBL, MMFB, NRSP-B, TMFB,

16 - 15,430 1,431,654,466 33,409 1,082,656,245 16,212 1,317,134,406 -

Gilgit AKHU, AMFB, FINCA, FMFB, KBL, MMFB, NRSP-B, TMFB, UBANK,

30 1 23,295 1,906,696,234 109,130 9,262,905,418 24,031 1,759,259,779 -

Skardu AKHU, FMFB, MMFB, NRSP-B, TMFB,

9 - 6,821 779,715,146 24,643 846,188,052 7,326 722,942,993 -

Total 68 1 51,500 4,714,683,086 203,323 17,507,346,421 54,301 4,276,848,694 -

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FEDERALLY ADMINISTRATED TRIBAL AREAS (FATA)

District Offices Microcredit Micro-Savings Micro-Insurance Potential Microfinance Market

Fixed Mobile Active Borrowers Gross Loan Portfolio(PKR) Active Savers Value of Savings(PKR) Policy Holders Sum Insured(PKR)

Bajaur Agency AKHU, MMFB, TMFB,

6 - 6,575 182,631,693 24,160 21,975,367 6,575 182,631,693 -

Khyber Agency AKHU, MMFB, TMFB,

7 - 6,524 157,208,432 24,373 33,685,801 6,524 157,208,432 -

Kurram Agency AKHU, MMFB, TMFB,

3 - 3,756 107,180,448 6,859 4,077,877 3,756 107,180,448 -

Mohmand Agency AKHU, MMFB, TMFB,

2 - 1,898 49,455,845 19,035 12,417,504 1,898 49,455,845 -

North Waziristan Agency AKHU, MMFB, TMFB,

1 - 460 11,047,700 48,294 50,875,557 460 11,047,700 -

Orakzai Agency AKHU, MMFB, TMFB,

2 - 2,171 64,194,140 5,532 3,654,614 2,171 64,194,140 -

South Waziristan Agency MMFB, TMFB,

- - - - 23,010 25,754,503 - - -

Total 21 - 21,384 571,718,258 151,263 152,441,223 21,384 571,718,258 -

ISLAMABAD CAPITAL TERRITORY (ICT)

District Offices Microcredit Micro-Savings Micro-Insurance Potential Microfinance Market

Fixed Mobile Active Borrowers Gross Loan Portfolio(PKR) Active Savers Value of Savings(PKR) Policy Holders Sum Insured(PKR)

ICT AKHU, AMFB, FINCA, FMFB, GBTI, KASHF, KBL, MMFB, NRSP, NRSP-B, POMFB, TMFB, UBANK,

33 6 1,177,946 1,768,250,608 330,583 35,318,984,902 85,881 3,038,503,880 -

Total 33 6 1,177,946 1,768,250,608 330,583 35,318,984,902 85,881 3,038,503,880 -

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END NOTES

1,2 The microwatch publication has been updated in the current quarter to include four new indicators. The additional indicators pertain to Islamic microfinance,
enterprise lending, asset backed (collateralized) lending and branchless banking.

3 The potential micronance market estimate has been updated by PMN from 27.4 million to 20.5 million. The methodology for the revised figure has been explained in
the note “Estimating Potential Market Size For Microcredit In Pakistan” published by PMN on December 2015

REPORTING ORGANIZATIONS

Category MFP Reporting Period

Q1 Q4

MFB Advans Pakistan Microfinance Bank Limited

Microfinance Bank Licensed and prudentially regulated by the State Bank of Pakistan to exclusively
Apna Microfinance Bank Limited
service microfinance market
FINCA Microfinance Bank Limited

Kushhali Microfinance Bank Limited

Mobilink Microfinance Bank Limited

NRSP Bank Limited

Pak-Oman Microfinance Bank Limited

Sindh Microfinance Bank Limited

Telenor Microfinance Bank Limited

The First MicrofinanceBank Limited

U Microfinance Bank Limited

MFI AGAHE Pakistan

Microfinace institution providing specialized microfinance services
Akhuwat Islamic Microfinance

ASA Pakistan Limited

BRAC Pakistan

CSC Empowerment and Inclusion Programme

DAMEN Support Programme

FFO Support Programme

Ghazi Barotha Taraqiati Idara

JWS Pakistan

Kashf Foundation

Micro Options Support Programme

MOJAZ Support Programme

Organization for Poverty Reduction and Community Training Program

Rural Community Development Programmes

SAATH Microfinance Foundation Pakistan

Saaya Microfinance Company

SAFCO Support Foundation

Shah Sachal Sami Foundation

Soon Valley Development Program

Taleem Finance Company

Thardeep Microfinance Foundation

RSP Al-Mehran Rural Development Organization

Rural support programme running microfinance operation as part of multi-dimensional rural
National Rural Support Programme
developement programme
Punjab Rural Support Programme

Sarhad Rural Support Programme

Sindh Rural Support Organization

Other Badbaan Development Community Microfinance Company

Organizations running microfinance operations as part of multi-dimension service offering
Islamic Relief Pakistan

MCB Islamic Bank Limited

Naymet Trust

OPD Support Program

ORIX Leasing Pakistan Limited

Shadab Rural Development Organization

Support With Working Solutions

Villagers Development Organization

Wasil Foundation

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