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Islamic Finance – (facts & figures)

Region wise Islamic branches (December 31, 2017)
Province/Region Total Number Share (%)
Punjab 1,234 47.8
Sindh 750 29.1
Khyber Pakhtunkhwa 296 11.5
Baluchistan 106 4.1
Federal Capital 134 5.2
AJK 40 1.5
Gilgit Baltistan 12 0.5
FATA 9 0.3
Total 2,581 100.0
Islamic financing mix (% Share)
Details Dec-16 Sep-17 Dec-17
Murabaha 15.8 14.1 13.2
Ijarah 6.8 8.3 6.4
Musharaka 15.6 21.0 22.0
Diminishing Musharaka 34.7 29.1 30.7
Salam 4.4 3.8 2.8
Istisna 8.4 6.2 8.2
Others 14.3 17.5 16.7
Total 100.0 100.0 100.0
Islamic financing concentration (% Share)
Details Dec-16 Sep-17 Dec-17 Industry
Chemical and Pharmaceuticals 6.6 5.4 4.2 3.4
Agribusiness 3.9 10.3 9.3 8.9
Textile 15.7 11.5 13.0 14.1
Cement 1.9 1.6 1.9 1.6
Sugar 2.7 3.1 4.4 3.5
Shoes and leather garments 0.5 0.4 0.4 0.4
Automobile and transportation equipment 1.6 0.9 0.8 1.5
Financial 0.6 1.0 0.8 2.5
Electronics and electrical appliances 1.1 1.4 1.3 1.4
Production and transmission of energy 15.8 12.9 16.4 14.8
Individuals 12.1 12.0 11.0 8.8
Others 37.5 39.5 36.5 39.1
Total 100.0 100.0 100.0 100.0

 

Islamic finance: break up of deposits
Details Rupees in billion % Growth
Dec-16 Sep-17 Dec-17 YoY QoQ
Customers
Fixed Deposits 338 352 373 10.4 6.0
Saving Deposits 604 685 733 21.4 7.0
Current accounts – Remunerative 9 8 9 12.5
Current accounts – Non-remunerative 504 555 632 25.4 13.9
Others 7 11 16 128.6 45.5
Sub-total 1,462 1,611 1,763 20.6 9.4
Financial Institutions
Remunerative Deposits 109 107 121 11.0 13.1
Non-remunerative Deposits 2 11 1 (50.0) (90.9)
Sub-total 111 118 122 9.9 3.4
Total 1,573 1,729 1,885 19.8 9.0
Interest rates in Pakistan
w.e.f. SBP Reverse
Repo Rate
SBP
Repo Rate
SBP Policy
(Target) Rate
08-Oct-12 10.00 7.00
17-Dec-12 9.50 6.50
11-Feb-13 9.50 7.00
24-Jun-13 9.00 6.50
16-Sep-13 9.50 7.00
18-Nov-13 10.00 7.50
17-Nov-14 9.50 7.00
26-Jan-15 8.50 6.00
24-Mar-15 8.00 5.50
25-May-15 7.00 5.00 6.50
14-Sep-15 6.50 4.50 6.00
23-May-16 6.25 4.25 5.75
26-Jan-18 till date 6.50 4.50 6.00

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