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Consumer Finance (Facts & Figures)

 

CREDIT/LOANS CLASSIFIED BY BORROWERS* (Million Rupees)
Description June-16 Dec-16 June-17 Dec-17P
1. Credit to Government Sector (A+B) 8,109,481 8,390,036 9,129,778 9,393,693
A. SBP Credit to Government Sector (Net) 1,454,173 2,367,886 2,339,102 2,356,675
Investment in Govt. Securities 2,071,967 3,094,104 2,521,427 2,622,892
Loans to Government 2,740 2,740 2,740 27,358
Others 8,581 8,681 9,668 9,581
Less: Govt. Deposits 629,116 737,638 194,733 303,156
B. Scheduled Banks Credit to Government Sector (Net) 6,655,308 6,022,150 6,790,676 7,037,018
Investment in Govt. Securities 7,240,110 6,799,954 7,676,004 8,029,063
Loans to Government 650,448 573,020 698,927 677,404
Less: Govt. Deposits 1,235,250 1,350,824 1,584,255 1,669,449
2. Credit to Non Governmnet Sector (A+B) 4,953,192 5,418,439 5,929,905 6,229,590
A. SBP Credit to Non Govt. Sector 32,603 33,406 24,408 23,538
B. Scheduled Banks Credit to Non Govt.Sector (I+II+III) 4,920,590 5,385,033 5,905,497 6,206,051
I. Credit to PSEs 749,837 829,146 1,012,310 1,050,707
Investment in Non-financial PSEs 97,822 141,654 205,006 169,911
Loans to Non-financial PSEs 652,015 687,492 807,304 880,796
II. Credit to NBFIs 128,901 143,928 138,894 131,097
Investment in NBFIs 60,665 64,957 57,465 51,864
Loans to NBFIs 68,235 78,971 81,429 79,233
III. Credit to Private Sector (A+B) 4,041,852 4,411,958 4,754,294 5,024,247
A. Investment in Securities & Shares of Private Sector 248,621 267,471 264,563 240,618
B. Loans to Private Sector (1-4) 3,793,231 4,144,488 4,489,731 4,783,629
1. Loans to Private Sector Business 3,337,323 3,658,784 3,962,210 4,214,745
Agriculture, hunting and forestry 285,096 296,959 297,493 309,701
Fishing, fish farming 823 853 874 636
Mining and Quarrying 26,534 35,628 40,267 43,389
Manufacturing 1,915,286 2,094,562 2,299,628 2,439,289
Food products and beverages 476,381 500,679 627,642 614,186
Tobacco products 3,380 4,269 9,326 975
Textiles 612,342 708,566 695,106 827,879
– Spinning, weaving, finishing of textiles 468,416 552,554 539,101 653,009
a. Spinning of fibres 259,114 316,288 282,239 338,832
b. Weaving of textiles 110,584 126,453 140,637 156,250
c. Finishing of textilesá 98,719 109,813 116,224 157,927
– Made-up textile articles 65,298 66,345 66,665 91,566
– Knit wear 27,238 30,203 28,532 30,836
– Carpets and rugs 3,194 3,543 3,564 2,704
– Other textiles n.e.c. 48,197 55,920 57,244 49,763
Wearing apparel, readymade garments 59,330 69,516 74,934 85,923
Tanning and dressing of leather; manufacture of luggage and footwear 23,687 24,337 24,039 23,124
Tanning and dressing of leather 11,209 10,354 9,761 8,973
Footwear 12,478 13,983 14,278 14,151
Wood and of products of wood and cork, 2,157 2,232 2,582 2,627
Paper, paperboard and products 41,137 38,629 43,193 39,193
Printing, publishing and allied industries 7,624 7,600 7,849 9,876
Coke, refined petroleum products 65,775 86,764 81,341 76,409
Chemicals and chemical products 270,388 279,721 304,676 279,705
Rubber and plastics products 31,410 29,260 36,503 39,847
Other non-metallic mineral products 69,245 80,074 89,715 107,266
Basic metals 87,264 86,447 107,931 113,325
Fabricated metal products 19,619 15,901 23,409 23,419
Machinery and equipment 22,667 25,456 27,745 36,231
Office, accounting and computing machinery 968 316 349 293
Electrical machinery and apparatus 52,877 59,622 60,620 71,377
Radio, television and communication equipment and apparatus 6,056 5,120 5,897 3,633
Medical, precision and optical instruments, watches and clocks 6,717 7,277 5,895 5,746
Motor vehicles, trailers and semi-trailers 20,163 22,760 20,769 26,232
Other transport equipment 4,907 6,815 6,930 7,115
Furniture and fixture 2,283 2,330 2,686 3,325
Jewellery and related articles 728 707 705 682
Sports goods 4,375 4,648 4,588 5,006
Handicrafts 80 71 275 82
Other manufacturing n.e.c. 23,727 25,443 34,923 35,812
Ship breaking and waste / scrape (junk) etc. 25,890 27,447 25,971 33,613
Electricity, gas and water supply 305,159 352,885 365,261 383,979
Construction 97,550 109,665 138,572 140,794
Commerce and Trade 265,501 293,486 308,247 352,900
Hotels, restaurants and clubs etc 27,962 35,818 35,171 32,898
Transport, storage and communications 181,826 179,373 211,004 228,153
Real estate, renting and business activities 114,125 130,572 132,453 145,731
Education 17,696 11,364 17,438 19,223
Health and social work 5,065 5,469 4,987 7,261
Other community, social and personal service activities 26,612 29,354 30,346 34,656
Other private business n.e.c 42,198 55,348 54,497 42,522
2. Trust Funds & NPOs 14,208 15,546 16,847 16,670
3. Personal 433,471 465,996 504,460 549,363
Bank Employees 108,891 108,585 110,766 114,638
Consumer Financing 319,002 352,784 389,549 425,027
For house building 48,153 52,888 60,688 73,121
For transport i.e. purchase of car etc 111,960 127,616 150,281 171,021
Credit cards 25,566 28,332 30,081 34,196
Consumers durable 764 1,486 1,701 3,728
Personal loans 132,558 142,463 146,799 142,961
Other 5,577 4,627 4,145 9,698
4. Other 8,229 4,162 6,213 2,852
Total Credit (1+2) 13,062,673 13,808,474 15,059,684 15,623,283
*Outstanding position at the end of month

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