BANK LOANS & DEFAULTS

S.KAMAL HAYDER KAZMI,
Research Analyst
, PAGE
Nov 8 - 14, 2010

NON-PERFORMING LOANS (DOMESTIC AND OVERSEAS OPERATIONS) (RS. IN MILLION)

BANKS/DFIs

AS OF 31-03-2010*

AS OF 30-06-2010*

NPLS

NET NPLS

NET NPLS TO NET
LOANS (%)

NPLS

NET NPLS

NET NPLS TO NET
LOANS (%)

All Banks s & DFIs 471,984 138,339 4.31 473,891 128,369 3.92
All Banks 457,244 133,277 4.20 459,840 123,094 3.81
All Commercial Banks 429,865 124,544 4.05 431,352 113,563 3.62
Public Sector Banks 120,286 38,517 6.41 115,996 32,104 5.19
Local Private Banks 302,948 84,577 3.54 307,630 79,811 3.28
Foreign Banks 6,631 1,450 1.70 7,726 1,648 1.96
Specialized Banks 27,379 8,733 9.26 28,488 9,531 10.00
DFIs 14,740 5,062 11.78 14,051 5,276 11.74


PAK: INTEREST RATES

MONTHS/ YEARS RATE (%)
1-Aug-07 10
31-Jan-08 10.5
23-May-08 12
30-Jul-08 13
13-Nov-08 15
15-Aug-09 13
25-Nov-09 12.5
Aug-10 13.00
0ct-10 13.50

TOTAL DEPOSITS OF SCHEDULED BANKS (STOCKS) (Million Rs)

AS ON LAST WEEK OF

2003

2004

2005

2006

2007

2008

2009

2010

January

1,522,733

1,808,264

2,174,060

2,588,582

2,975,457

3,574,788

3,852,605

4,400,569

February

1,548,337

1,848,798

2,227,063

2,630,445

3,034,321

3,591,861

3,897,208

4,395,650

March

1,588,690

1,872,492

2,268,001

2,650,429

3,151,944

3,628,142

3,874,550

4,424,190

April

1,581,534

1,912,244

2,309,546

2,695,939

3,177,075

3,650,050

3,874,318

4,558,556

May

1,628,348

1,961,001

2,338,583

2,733,969

3,226,117

3,696,208

4,039,870

4,574,088

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

4,115,251

 
September

1,743,432

2,078,425

2,408,424

2,816,450

3,464,687

3,781,524

4,161,958

 
October

1,707,905

2,078,917

2,418,434

2,823,123

3,451,075

3,681,110

4,193,810

 
November

1,772,491

2,105,430

2,483,395

2,891,250

3,478,385

3,756,126

4,207,191

 
December

1,793,176

2,161,098

2,661,697

2,999,895

3,565,537

3,801,411

4,325,139

 


US DOLLAR RATES  PER PAK RUPEE

YEARS LEADARS US $
1972 Z.A. Bhutto Rs 4.7
1977 Z.A. Bhutto Rs 9.9
1983 Gen Ziaulhaq Rs 13.1
1987 Gen Ziaulhaq Rs 17.7
1990 Benazir Bhutto Rs 24
1991 Nawaz Sharif Rs 25
1994 Benazir Bhutto Rs 30.6
1996 Benazir Bhutto Rs 40.3
1997-99 Nawaz Sharif Rs 53
1999-08 Pervaiz Musharraf Rs 62
2010 Yousaf Raza Gilani Rs 85.65

KIBOR RATE AS ON 1 NOV 2010

TENOR BID OFFER
1 - Week 11.56 12.06
2 - Week 11.80 12.30
1 - Month 12.17 12.67
3 - Month 12.74 12.99
6 - Month 12.99 13.24
9 - Month 13.12 13.62
1 - Year 13.21 13.71
2 - Year 13.33 13.83
3- Year 13.47 13.97

SECTOR-WISE CONTRIBUTION OF NPL(BN RS )
SECTORS INCREASE IN NPLS NPL/LOAN RATIO (%)
FY08 FY09 FY08 FY09
Textile 18.7 38.1 12.6 18.8
Elec. & trans. of energy 1.7 23.5 2.8 8.2
Auto & trans equip. 0.9 9.5 6.3 17.7
Financial -0.2 6.2 0.8 12.5
Sugar 0.1 4.1 5 10.2
Cement 3.8 3.4 8 11.4
Chem. & pharma. 1.5 1.9 8.8 8.3

TOTAL ADVANCES OF SCHEDULED BANKS (STOCK) (Million Rs)

AS ON LAST WEEK OF 2003 2004 2005 2006 2007 2008 2009 2010
January 1,000,597 1,220,543 1,637,502 2,009,207 2,371,734 2,684,089 3,127,435 3,291,239
February 985,552 1,231,926 1,656,893 2,042,092 2,358,720 2,734,642 3,099,980 3,291,313
March 1,002,414 1,211,241 1,688,464 2,063,548 2,385,242 2,812,732 3,061,965 3,257,292
April 1,000,446 1,247,372 1,720,812 2,077,076 2,387,597 2,870,619 3,053,171 3,298,126
May 1,035,258 1,281,062 1,752,074 2,115,049 2,430,090 2,964,509 3,174,151 3,346,472
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 3,147,207  
September 1,051,184 1,396,430 1,803,293 2,231,665 2,450,713 3,027,122 3,154,737  
October 1,097,554 1,473,417 1,879,695 2,252,749 2,482,220 3,092,451 3,196,228  
November 1,149,157 1,515,509 1,941,819 2,297,416 2,535,759 3,131,312 3,253,693  
December 1,169,986 1,589,870 2,043,982 2,409,478 2,651,173 3,141,028 3,271,977  

CASH RECOVERY AGAINST NON PERFORMING LOANS (Rs.million)

BANKS/DFIs FOR THE QUARTER FOR THE QUARTER
JANUARY - MARCH 2010* APRIL - JUNE 2010*
All Banks & DFIs 14,375 18,813
All Banks 14,012 18,371
All Commercial Banks 12,708 15,962
Public Sector Banks 1,304 2,409
Local Private Banks 363 442
Foreign Banks 1,462 3,476
Specialized Banks 10,758 12,129
DFIs 489 357

GDP RATE IN PAKISTAN

YEAR PER CENT
2001-02 3.1
2002-03 4.7
2003-04 7.5
2004-05 9
2005-06 5.8
2006-07 6.8
2007-08 5.8
2008-09 2.4
2009-10 2.4
2010-11 2-3

CORRUPTION PERCEPTIONS INDEX 2010 (ASIA PACIFIC)

RANK REGIONAL RANK COUNTRY / TERRITORY CPI 2010 SCORE RANK REGIONAL RANK COUNTRY / TERRITORY CPI 2010
SCORE
1 1 New Zealand 9.3 91 17 Sri Lanka 3.2
1 1 Singapore 9.3 101 19 Tonga 3.0
8 3 Australia 8.7 110 20 Indonesia 2.8
13 4 Hong Kong 8.4 110 20 Solomon Islands 2.8
17 5 Japan 7.8 116 22 Mongolia 2.7
33 6 Taiwan 5.8 116 22 Vietnam 2.7
36 7 Bhutan 5.7 127 24 Timor-Leste 2.5
38 8 Brunei 5.5 134 25 Bangladesh 2.4
39 9 Korea (South) 5.4 134 25 Philippines 2.4
46 10 Macau 5.0 143 27 Maldives 2.3
56 11 Malaysia 4.4 143 27 Pakistan 2.3
62 12 Samoa 4.1 146 29 Nepal 2.2
73 13 Vanuatu 3.6 154 30 Cambodia 2.1
78 14 China 3.5 154 30 Laos 2.1
78 14 Thailand 3.5 154 30 Papua New Guinea 2.1
87 16 India 3.3 176 33 Afghanistan 1.4
91 17 Kiribati 3.2 176 33 Myanmar 1.4