BANK LOANS

S.M. ABBAS ZAIDI, S.KAMAL HAYDER KAZMI,
Research Analyst
, PAGE
Oct 26 - Nov 01, 2009

INVESTMENT OF SCHEDULED BANKS (STOCK) (Mn Rs)
AS ON LAST WEEK OF 2008 2009
April 1,060,154 1,264,779
May 975,761 1,290,857
June 1,007,529 1,348,807
July 1,060,396 1,375,253
August 1,030,846 1,383,107
September 930,875 1,506,609
DEPOSITS OF SCHEDULED BANKS (STOCKS)
April 3,650,050 3,874,318
May 3,696,208 4,039,870
June 3,832,454 4,120,087
July 3,777,585 4,136,735
August 3,788,611 4 ,115,251
September 3,781,524 4 ,161,958
ADVANCES OF SCHEDULED BANKS (STOCK)
April 2,870,619 3,053,171
May 2,964,509 3,174,151
June 2,943,319 3,168,566
July 2,848,844 3,147,848
August 2,899,138 3 ,147,207
September 3,027,122 3 ,154,737
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

KIBOR RATE AS ON 20th Oct 2009

S.NO TENOR BID OFFER
1 1 - Week 12.33 12.83
2 2 - Week 12.31 12.81
3 1 - Month 12.33 12.83
4 3 - Month 12.35 12.60
5 6 - Month 12.40 12.65
6 9 - Month 12.42 12.92
7 1 - Year 12.46 12.96
8 2 - Year 12.71 13.21
9 3- Year 12.90 13.40
Various sources

NON-PERFORMING LOANS (NPLs) (Rs mn)

BANKS/DFIS

NPLS

NET NPLS NET NPLS TO NET LOANS (%)
All Banks & DFIs 410,748 122,334 3.81
All Banks 397,938 118,536 3.73
All Commercial Banks 370,804 111,168 3.6
Public Sector Banks 112,819 38,469 6.44
Local Private Banks 253,820 72,006 3
Foreign Banks 4,165 693 0.77
Specialized Banks 27,135 7,368 8.63
DFIs 12,810 3,799 9.91
Various sources
(As of 30-06-2009*)

CASH RECOVERY AGAINST NPLs (FOR THE QUARTER) (Rs mn)

JAN - MAR 2008 APRIL - JUNE 2009
All Banks & DFIs 11,540 15,649
All Banks 11,184 15,162
All Commercial Banks 9,651 12,528
Public Sector Banks 2,130 1,788
Local Private Banks 7,347 10,320
Foreign Banks 175 421
Specialized Banks 1,533 2,634
DFIs 356 487
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

BANKING SPREADS

COUNTRIES PERCENT
USA 1.3
Japan 1.7
India 3.1
Sri lanka 4.4
Nepal 5.5
Pakistan 7.05
Various Sources

LIQUID FOREIGN EXCHANGE RESERVES
(Mn US$)

YEARS NET RESERVES WITH SBP NET RESERVES WITH BANKS TOTAL LIQUID FX RESERVES
1998-99 1,672.7 616.5 2,289.2
1999-00 997.0 976.6 1,973.6
2000-01 1,688.9 1,542.6 3,231.5
2001-02 4,337.4 2,098.2 6,435.6
2002-03 9,529.1 1,240.6 10,769.7
2003-04 10,563.9 1,825.4 12,389.3
2004-05 9,804.7 2,792.9 12,597.6
2005-06 10,765.2 2,357.2 13,122.4
2006-07 13,345.4 2,301.8 15,647.2
2007-08 8,577.0 2,821.7 11,398.7
2009-10 10,889.6 3,574.5 14,464.1
Various sources

CUMULATIVE ADB LENDING IN PAKISTAN
(AS OF 31 DEC 2008)

SECTOR LOANS (NO.) AMOUNT ($ MN) %
Agriculture & Natural Resources 53 3,277.91 16.59
Education 12 501.11 2.54
Energy 55 4,072.32 20.61
Finance 28 2,598.00 13.15
Health, Nutrition & Social Protection 8 329.40 1.67
Industry & Trade 40 1,295.40 6.56
Law, Economic Mgm & Public Policy 20 2,145.80 10.86
Multisector 33 2,710.50 13.72
Transport & Communications 24 2,348.90 11.89
Water Supply, Sanitation & Waste Mgm 11 482.50 2.44
Total 284 19,761.84 100.00
Various sources
Mgm: Management

CREDIT/LOANS CLASSIFIED BY BORROWERS
(Mn Rs)

DESCRIPTION MAY-09 JUN-09 JUL-09
Credit to Govt. Sector 1,972,111 2,002,117 2,109,361
Credit to Non Govt. Sector 3,165,185 3,163,233 3,112,289
Trust Funds & NPOs 2,611 2,436 11,596
Personal 3,66,726 364,141 359,341
Other 10,892 8,921 10,238
Total Credit 5,137,296 5,165,410 5,221,650
Various sources
(Outstanding position at the end of month)