ISLAMIC FINANCE

S.M. ABBAS ZAIDI, S.KAMAL HAYDER KAZMI,
Research Analyst
, PAGE
June 29 - July 5, 2009

PROVINCE WISE BREAK-UP OF ISLAMIC BANKING BRANCH NETWORK**
(As of March, 2009)
Bank Name Azad Kashmir Baloch-istan Federal Capital FAA NWFP Punjab Sindh Grand Total
Al Baraka Islamic Bank B.S.C. 1 . 3 . 3 15 8 30
BankIslami Pakistan Ltd 1 8 2 1 5 29 24 70
Dawood Islamic Bank Ltd . . 1 . . 6 8 15
Dubai Islamic Bank Pakistan Ltd . 1 2 . 1 12 7 23
Emirates global Islamic bank Ltd . 1 2 . 5 20 14 42
Meezan Bank Ltd 1 3 7 . 12 55 49 127
Sub-Total 3 13 17 1 26 137 110 307
ISLAMIC BANKING DIVISIONS OF CONVENTIONAL BANKS
Askari Bank Ltd . 1 1 . 2 9 5 18
Bank AL Habib Ltd . 1 . . 1 2 2 6
Bank Alfalah Ltd . 1 3 . 3 29 12 48
Habib Bank Ltd . . . . . . 1 1
Habib Metropolitan Bank Ltd . . . . . 1 3 4
MCB Bank Ltd . 1 1 . 1 5 3 11
National Bank of Pakistan . . . . 1 2 1 4
Soneri Bank Ltd . 1 1 . 1 1 2 6
Standard Chartered Bank . 1 1 . 3 3 3 11
The Bank of Khyber . 1 . . 10 3 2 16
The Royal Bank of Scotland . . . . . 1 2 3
United Bank Ltd . . . . 1 3 1 5
Sub-Total . 7 7 . 24 59 37 133
SUB-BRANCHES
Askari Bank Ltd . . 1 . . . 1 2
BankIslami Pakistan Ltd 1 2 3 . 2 9 14 32
Dawood Islamic Bank Ltd . . . . . 3 3 6
Dubai Islamic Bank Pakistan Ltd . . . . 1 . 1 2
Meezan Bank Ltd . 1 1 . 4 14 13 33
Sub-Total 1 3 5 . 7 26 32 75
Grand Total 4 23 29 1 57 223 179 515
Various sources
**Provisional

ISLAMIC FINANCING INDUSTRY
Descriptions Dec-08 P 7-Dec 6-Dec 5-Dec 4-Dec 3-Dec
Total Assets (Rs. in billion) 276 206 119 72 44 13
% of Banking Industry 4.90% 4.00% 2.80% 2.00% 1.50% 0.50%
Deposits (Rs. in billion) 202 147 84 50 30 8
% of Banking Industry 4.80% 3.80% 2.60% 1.80% 1.30% 0.40%
Financing & Investment (Rs.in billion) 187 138 73 48 30 10
% of Banking Industry 4.40% 3.50% 2.30% 1.70% 1.30% 0.50%
No. of Full Fledge Islamic Banks 6 6 4 2 2 1
No. of Conventional Banks with Islamic Banking Divisions 12 12 12 9 9 3
No. of Branches 514 289 150 70 48 17
Various sources
P: Provisional

ISLAMIC BANKING (RS IN BN)
DESCRIPTION SEPT -08 DEC-08 (P) %GROWTH
Total Assets 251 276 10%
Deposits 171 202 18%
Financing. & Invest. 182 187 2.4%
No. of Branches 367 514 40%
Various Sources
P: Provisional

BREAKUP OF ISLAMIC FINANCING
(Rs. Mn)
Description 8-Sep Dec-08P %Change
Murabaha 59,067 59,640 1%
Ijarah 30,656 30,173 -2%
Musharaka 2,421 2,469 2%
Mudarbah 453 308 -32%
Diminishing Musharaka 43,434 44,812 3%
Salam 2,104 2,649 26%
Istisna 3,566 4,268 20%
Qarz-e-Hasna - . 0%
Others 2,535 2,650 5%
Total 144,236 146,969 2%
Amount of NPF 3,122 3,420 10%
Provision against NPFs 2,057 2,311 12%
Net NPF 1,065 1,109 4%
Various Sources.
P: Provisional
NPF:Non per- forming Financing