BANKING SECTOR & ECONOMY

S.M. ABBAS ZAIDI, S.KAMAL HAYDER KAZMI,
Research Analyst
, PAGE
Aug
 24 - 30, 2009

TOTAL INVESTMENT OF SCHEDULED BANKS (STOCK)
(Mn Rs)

AS ON LAST WEEK OF 2003 2004 2005 2006 2007 2008 2009
January 638,583 732,008 602,519 755,725 794,483 1,201,526 1,030,607
February 663,316 743,778 646,996 759,919 872,426 1,163,455 1,094,731
March 688,138 757,615 652,473 793,157 929,454 1,107,028 1,148,225
April 691,313 770,030 670,990 827,850 1,022,787 1,060,154 1,264,779
May 694,598 773,361 658,202 821,399 1,048,978 975,761 1,290,857
June 723,626 712,215 716,119 794,584 1,115,913 1,007,529 1,348,807
July 764,572 780,821 772,187 830,799 1,167,897 1,060,396 1,375,253
August 781,718 776,509 748,250 799,285 1,197,115 1,030,846 .
September 804,115 771,107 766,550 790,057 1,245,411 930,875 .
October 771,080 675,617 730,330 790,558 1,243,254 921,043 .
November 727,910 644,368 697,669 824,966 1,213,543 929,016 .
December 745,291 626,046 730,067 775,546 1,210,920 980,984 .
TOTAL DEPOSITS OF SCHEDULED BANKS (STOCKS)
January 1,522,733 1,808,264 2,174,060 2,588,582 2,975,457 3,574,788 3,852,605
February 1,548,337 1,848,798 2,227,063 2,630,445 3,034,321 3,591,861 3,897,208
March 1,588,690 1,872,492 2,268,001 2,650,429 3,151,944 3,628,142 3,874,550
April 1,581,534 1,912,244 2,309,546 2,695,939 3,177,075 3,650,050 3,874,318
May 1,628,348 1,961,001 2,338,583 2,733,969 3,226,117 3,696,208 4,039,870
June 1,699,832 2,006,675 2,377,458 2,786,731 3,460,811 3,832,454 4,120,087
July 1,699,459 2,070,264 2,424,130 2,813,325 3,383,373 3,777,585 4,136,735
August 1,723,857 2,074,487 2,425,752 2,806,645 3,403,170 3,788,611 .
September 1,743,432 2,078,425 2,408,424 2,816,450 3,464,687 3,781,524 .
October 1,707,905 2,078,917 2,418,434 2,823,123 3,451,075 3,681,110 .
November 1,772,491 2,105,430 2,483,395 2,891,250 3,478,385 3,756,126 .
December 1,793,176 2,161,098 2,661,697 2,999,895 3,565,537 3,801,411 .
TOTAL ADVANCES OF SCHEDULED BANKS (STOCK)
January 1,000,597 1,220,543 1,637,502 2,009,207 2,371,734 2,684,089 3,127,435
February 985,552 1,231,926 1,656,893 2,042,092 2,358,720 2,734,642 3,099,980
March 1,002,414 1,211,241 1,688,464 2,063,548 2,385,242 2,812,732 3,061,965
April 1,000,446 1,247,372 1,720,812 2,077,076 2,387,597 2,870,619 3,053,171
May 1,035,258 1,281,062 1,752,074 2,115,049 2,430,090 2,964,509 3,174,151
June 1,069,259 1,324,522 1,759,566 2,127,388 2,484,495 2,943,319 3,168,566
July 1,042,664 1,347,090 1,786,732 2,177,898 2,429,398 2,848,844 3,147,848
August 1,043,420 1,364,855 1,786,200 2,189,368 2,426,759 2,899,138 .
September 1,051,184 1,396,430 1,803,293 2,231,665 2,450,713 3,027,122 .
October 1,097,554 1,473,417 1,879,695 2,252,749 2,482,220 3,092,451 .
November 1,149,157 1,515,509 1,941,819 2,297,416 2,535,759 3,131,312 .
December 1,169,986 1,589,870 2,043,982 2,409,478 2,651,173 3,141,028 .
Various sources

KIBOR RATE AS ON 18TH AUG 2009

TENOR BID OFFER
1 - Week 12.09 12.59
2 - Week 12.06 12.56
1 - Month 12.02 12.52
3 - Month 12.02 12.27
6 - Month 12 12.25
9 - Month 12.02 12.52
1 - Year 12.23 12.73
2 - Year 12.72 13.22
3- Year 12.95 13.45
 Various sources

REGIONAL INTEREST RATES (%)

COUNTRIES END07 END08 JAN09
Korea 5.00 3.00 2.5
Thailand 3.25 2.75 2.0
Philippines 5.25 5.5 -
Taiwan 3.375 2.0 1.5
Indonesia 8.00 9.25 8.75
India 7.75 6.5 5.5
China 7.47 5.31 -
Turkey 15.75 15.00 13.00
Pakistan 10.00 15:00 13:00 (15-Aug 09)
Various Sources

NON-PERFORMING LOANS (Rs mn)

As of 3 1-03-2009 As of 30-06-2009*
BANKS/DFIs NPLs Net NPLs Net NPLs to Net Loans (%) NPLs Net NPLs Net NPLs to Net Loans (%)
All Banks & DFIs 391,936 121,092 3.96 410,748 122,334 3.81
All Banks 379,259 116,688 3.86 397,938 118,536 3.73
All Commercial Banks 349,721 106,784 3.63 370,804 111,168 3.6
Public Sector Banks 107,887 37,477 6.86 112,819 38,469 6.44
Local Private Banks 238,209 68,628 2.99 253,820 72,006 3
Foreign Banks 3,624 679 0.7 4,165 693 0.77
Specialized Banks 29,538 9,904 12.04 27,135 7,368 8.63
DFIs 12,677 4,405 12.02 12,810 3,799 9.91
Various sources

WEIGHTED AVERAGE LENDING & DEPOSIT RATES
(Percent per annum)

 

ITEMS

 

GROSS DISBURSEMENTS OUTSTANDING LOANS FRESH DEPOSITS OUTSTANDING DEPOSITS
INCLUDING
ZERO MARKUP
EXCLUDING
ZERO MARKUP
INC.
ZERO MARKUP
EXC.
ZERO MARKUP
Inc.
Zero Markup
Exc.
Zero Markup
Inc.
Zero Markup
Exc.
Zero Markup
Jun-09
Public 14.15 14.2 13.74 14.38 5.02 9.25 6.37 8.42
Private 14.63 14.76 14.23 14.75 7.75 10.13 6.49 8.8
Foreign 12.82 12.88 15.62 16.13 8.5 10.76 7.48 10.05
Specialised 9.87 9.89 9.12 9.65 2.74 6.03 5.39 8.17
All Banks 14.32 14.43 14.02 14.57 7.58 10.14 6.5 8.77
Various sources