BANKS IN PAKISTAN

S.M. ABBAS ZAIDI,
S.KAMAL HAYDER KAZMI,
Research Analyst
, PAGE
Sep 15 - 21, 2008

NO, OF ISLAMIC BANKING BRANCHES

COUNT OF LICENSE DATE

LICENSE YEAR

TYPE

BANKS

BEFORE 2002

2002

2003

2004

2005

2006

2007

GRAND TOTAL

 

AIB

4

1

1

1

2

2

1

12

 

BIPL

         

10

10

20

 

Dawood

           

5

5

 

DIBPL

         

10

7

17

 

EGIBL

           

9

9

 

MBL

 

6

4

6

12

34

20

82

IB TOTAL

 

4

7

5

7

14

56

52

145

 

ABN Amro

       

1

1

1

3

 

Askari

         

6

5

11

 

BAFL

   

5

6

4

8

2

25

 

BAHL

     

1

 

2

 

3

 

BoK

   

1

2

1

1

12

17

 

HBL

     

1

     

1

 

HMB

   

1

1

1

1

 

4

 

MCB

   

1

4

 

1

 

6

 

NBP

         

1

1

2

 

SCBPL

     

1

2

 

3

6

 

Soneri

     

1

 

1

1

3

 

UBL

         

1

4

5

SAIBBs Total

     

8

17

9

23

29

86

Grand Total

 

4

7

13

24

23

79

81

231

Islamic Banks (IB): Stand Alone Islamic Banking Branches (SAIBBs)

Various sources


MINIMUM CAPITAL REQUIRED FOR BANKS

YEARS ENDING

CAPITAL

Dec-2008

Rs 5 bn

Dec -2009

Rs 6 bn

Dec -2010

Rs 10 bn

Dec -2011

Rs 15 bn

Dec -2012

Rs 19 bn

Dec -2013

Rs 23 bn

Various sources


PRIVATIZED TRANSACTION 
(Rs million)

BANKING AND FINANCE

SR. NO

UNIT NAME

SALE PRICE

DATE OF TRANSFER

BUYER NAME

1

United Bank Ltd. (51%) -1549465680

12,350.00

Oct-02

Consortium of Bestway & Abu Dhabi Group

2

Bank Alfalah (30%)(22,500,000)

620

Dec-02

Abu Dhabi Group

3

Habib Bank (51%)

22,409.00

Dec-03

Agha Khan Fund for Economic Development

4

Allied bank limited (51%)

971.6

Feb-91

EMG

5

Muslim Commercial Bank (75%)

2,420.0

Apri-91

National group

6

Banker's equity (51%)

618.7

Jun-96

LTV Group

7

Habib Credit and Exchange (70%) (52,50000,000)

1,633.9

Jul-97

Sh. Nahyan Bin Mubarik Al-Nahyan

Source: Privatization Commission


ADDRESSES OF BANKS/ DEVELOPMENT FINANCE INSTITUTIONS BEING REGULATED BY STATE BANK OF PAKISTAN

PUBLIC SECTOR BANKS

The Bank of Khyber

National Bank of Pakistan

The Bank of Punjab

First Women Bank Limited

SPECIALIZED BANKS

Industrial Development Bank of Pakistan

The Punjab Provincial Cooperative Bank Ltd

SME Bank Limited

Zarai Taraqiati Bank Limited

PRIVATE BANKS

The Royal Bank of Scotland Limited

JS Bank Limited

Allied Bank Limited

KASB Bank Limited

Arif Habib Bank Limited

MCB Bank Limited

Askari Bank Limited

Mybank Limited

Atlas Bank Limited

NIB Bank Limited

Bank Alfalah Limited

Saudi Pak Commercial Bank Limited

Bank Al Habib Limited

Soneri Bank Limited

Crescent Commercial Bank Limited

Standard Chartered Bank (Pakistan) Limited

Faysal Bank Limited

United Bank Limited

Habib Bank Limited

Habib Metropolitan Bank Limited

ISLAMIC BANKS

BankIslami Pakistan Limited

Emirates Global Islamic Bank

Dawood Islamic Bank Limited

Meezan Bank Limited

Dubai Islamic Bank Pakistan Limited

FOREIGN BANKS

Albaraka Islamic Bank B.S.C. (E.C.),

The Bank of Tokyo-Mitsubishi UFJ Limited - Pakistan Operations

Citibank N.A. - Pakistan Operations

HSBC Bank Middle East Limited - Pakistan

Deutsche Bank AG - Pakistan Operations

Barclays Bank PLC

Oman International Bank S.A.O.G - Pakistan Operations

.

MICRO FINANCE BANKS / INSTITUTIONS

Khushhali Bank Limited

Rozgar Microfinance Bank Limited

Network Microfinance Bank Limited

Tameer Micro Finance Bank Limited

Pak Oman Microfinance Bank Limited

The First Micro Finance Bank Limited

DEVELOPMENT FINANCE INSTITUTIONS

House Building Finance Corporation

Pakistan Kuwait Investment Company Limited

Pak Brunei investment Company Limited

Pak Oman Investment Company Limited

Pak Iran Joint Investment Company

Saudi Pak Industrial & Agricultural Investment Company Limited

Pak Libya Holding Company Limited

China Investment Company Limited

Source: SBP


BANKS IN PAKISTAN

BANKS

NUMBER OF BRANCHES

UBL

1,095

MCB

1,026

HBL

1,489

NBP

1,458

Faysal Bank

107

BankAlfalah

231

Allied Bank Limited

735

NIB Bank

240

Standard Chartered

176

Meezan Bank

114

Askari Bank

136

Bankislami

37

Bank Al Habib

210

Saudi Pak Bank

55

Habib Metropolitan

100

Mybank

70

Soneri Bank

90

KASB Bank

35

Dubai Islamic Bank Pakistan Ltd

19

JS Bank

13

Arif Habib Bank

13

RBS (Pakistan)

80

Various Bank’s Sources


PROFIT AND EARNINGS OF THE BANKS

BANKS

PAT (RS M)

EPS (RS)

CHANGE IN %

HY' 08

HY' 07

HY' 08

HY' 07

Allied Bank

2,508

2,752

3.88

4.26

-8.8%

Arif Habib Bank

213

15

0.47

0.03

1311.4%

Askari Bank

409

1,491

1.01

3.67

-72.6%

Atlas Bank

(197)

3

(0.39)

0.01

n/m

Bank Alfalah

1,819

1,230

2.28

1.54

47.8%

Bank Al-Habib

1,249

1,128

2.61

2.36

10.8%

Bank Islami

(10)

(37)

(0.02)

(0.09)

73.4%

Bank of Khyber

107

166

0.27

0.41

-35.6%

Bank of Punjab

(2,629)

1,825

(4.97)

3.45

-244.0%

Cresent Bank

(128)

(370)

(0.15)

(0.42)

-65.4%

Faysal Bank

746

1,296

1.41

2.45

-42.4%

Habib Bank

6,357

6,576

8.37

8.66

-3.3%

Habib Metro Bank

1,565

1,171

2.60

1.94

33.7%

JS Bank

160

35

0.31

0.07

362.1%

KASB Bank

78

205

0.19

0.51

-62.1%

MCB

7,677

7,663

12.22

12.20

0.2%

Meezan Bank

443

431

0.98

0.95

2.8%

My Bank

431

441

1.02

1.04

-2.1%

NBP

7,881

9,013

8.79

10.05

-12.6%

NIB Bank

659

103

0.23

0.04

541.2%

Royal Bank of Scotland

83

324

0.06

0.24

-74.3%

Saudi Pak

(771)

103

(1.54)

0.21

n/m

Soneri Bank

465

498

1.13

1.21

-6.6%

Standard Chartered

1,341

2,569

0.35

0.66

-47.8%

United Bank

5,594

5,631

5.53

5.57

-0.7%

Various sources