GROWING ROLE OF BANKS IN AGRICULTURE

S.KAMAL HAYDER KAZMI,
(feedback@pgeconomist.com)
Research Analyst
, PAGE
Dec 13 - 19, 2010

PAKISTAN: CREDIT DISBURSED BY AGENCIES (Rs.mn)

FISCAL YEAR

ZTBL

DOMESTIC PRIVATE BANKS

PPCBL

COMMERCIAL BANKS

1996-97

11,687

-

3,431

4,429

1997-98

22,354

-

4,929

6,110

1998-99

30,176

-

5,440

7,236

1999-00

24,424

-

5,951

9,313

2000-01

27,610

-

5,124

12,056

2001-02

29,108

593

5,128

17,486

2002-03

29,270

1,421

5,485

22,739

2003-04

29,933

2,702

7,564

33,247

2004-05

37,409

12,407

7,607

51,310

2005-06

47,594

16,023

5,889

67,967

2006-07

56,473

23,976

7,988

80,393

2007-08

66,939

43,941

5,931

94,749

2008-09

75,139

41,626

5,579

110,666

2009-10 (Jul-Mar)

48,987

28,641

3,530

85,177


PAKISTAN: PROVINCE WISE AGRICULTURAL CREDIT TARGET & DISBURSEMENT

PROVINCE

2008-09

2009-10

TARGET

DISBURSEMENT

SHARE IN TOTAL

TARGET

DISBURSEMENT

SHARE IN TOTAL

Punjab

195

196.1

84.2

202.8

213.5

86.1

Sindh

35

27.6

11.8

36.4

26.7

10.8

KP

15

7.9

3.4

15.6

6.5

2.6

Balochistan

3.8

0.6

0.3

3.9

0.6

0.2

AJK/GB

1.3

0.8

0.3

1.3

0.8

0.3

Total

250

233

100.0

260

248.1

100.0

value in billion rupees and share in percent

PAKISTAN: CREDIT/LOANS CLASSIFIED BY PRIVATE SECTOR BUSINESS (Rs. mn)

DESCRIPTION

JUN-09

OCT-09

JUN-10

OCT-10

1. Loans to Private Sector Business

2,153,021

2,140,516

2,258,524

2,264,234

Agriculture, hunting and forestry

162,569

165,331

169,527

173,958

Growing of crops

117,520

119,148

117,094

121,904

Farming of animals (Livestock)

22,651

22,281

24,637

23,758

Agricultural and animal husbandry services

418

481

362

399

Agricultural machinery and equipments

21,844

23,270

27,279

27,768

Hunting, trapping, forestry & logging

135

151

155

129

Fishing, fish farming

1,162

1,282

599

525

Manufacturing

1,231,732

1,215,987

1,263,565

1,256,771

Food products and beverages

203,467

161,735

214,295

169,603

Tobacco products

152

1,931

2,347

4,681

Textiles

483,024

506,779

470,197

495,236

(Outstanding position at the end of month)

AGRICULTURE: TARGETS, RECOVERIES & OUTSTANDING (Rs. mn)
NAME OF BANKS

TARGETS

RECOVERIES

OUT STANDING

TARGET ACHIEVED %

2008-09 2009-10 2008-09 2009-10 2008-09 2009-10 2008-09 2009-10
I. COMMERCIAL BANKS
1 ABL 14000 15000 13099.513 16271.329 4317.705 3320.739 101.06 101.57
2 HBL 29000 29000 20766.953 30317.422 17288.450 17387.882 86.71 101.09
3 MCB Bank 22000 24000 23881.701 22709.411 5619.266 3094.819 102.27 90.50
4 NBP 38000 38000 33935.736 34265.440 22655.302 25460.599 85.18 92.90
5 UBL 16500 18000 18324.164 20135.876 6425.453 5315.733 100.02 100.19
TOTAL C.B's (1-5) 119500 124000 110008.067 123699.478 56306.176 54579.772 92.61 96.46
II.Z.T.B.L 72000 80000 69970.925 73272.787 83754.942 94466.201 104.36 98.77
III.P.P.C.B.L 6000 6000 7366.504 7280.641 9428.624 8814.546 92.99 95.36
IV.D. P. B's
1. Askari Bank 10500 12000 7412.760 9568.850 6015.473 6808.422 101.98 100.37
2 Bank Al-Habib 9000 7000 8796.172 7885.283 1698.047 2106.935 75.64 115.52
3 Bank Al-Falah 11000 10000 9138.827 8160.279 3670.354 3286.254 72.99 70.13
4 My Bank 200 200 56.514 16.441 165.904 83.280 0.40 0.00
5 FBL. 4000 4500 3144.367 5388.789 3894.392 4070.423 112.31 121.20
6 HMB 400 200 249.939 148.423 34.714 143.859 12.36 76.44
7 NIB Bank Ltd. 1300 1000 795.062 795.139 231.262 231.262 65.94 85.73
8 KASB Bank 500 500 202.381 371.303 225.316 293.269 56.58 81.17
9 RBS 2200 3000 2221.228 1806.115 714.207 661.719 90.53 54.28
10 Silk Bank 400 400 54.882 189.531 54.603 104.231 27.37 73.44
11 Soneri Bank 2300 3700 2950.143 2861.339 706.189 1344.396 120.52 91.69
12 The Bank of Khyber 400 200 36.797 75.649 154.655 341.267 22.31 137.71
13 The Bank of Punjab. 10000 7000 7484.455 5975.984 6475.777 5887.753 54.37 59.62
14 Standard Char. Bank (Pak) 300 300 133.194 41.822 223.757 192.059 0.00 0.00
Total D. P. B's (1-14) 52500 50000 42676.721 43284.947 24264.650 25555.129 79.29 87.55
Grand Total (I+II+III+IV) 250000 260000 230022.217 247537.853 173754.392 183415.648 93.20 95.43
July-June: Targets, Recoveries & Outstanding

PAKISTAN: ADVANCES CLASSIFIED BY MERCHANDISE (Rs.bn)

MERCHANDISE

OUTSTANDING LEVEL

OCT- 2010

Sep-2010

Jun-2010

Oct-2009

Jun-2009

982.2

927.8

931.7

903.1

921.3

a) Food Items Of which

130.9

129.9

168.8

116.9

158.3

i) Rice and Paddy

40.0

35.8

48.3

34.3

45.8

ii) Sugar

26.7

30.6

56.7

33.4

56.7

iii) Wheat

15.8

16.4

16.2

10.3

13.4

b) Raw Materials

288.6

274.8

244.2

264.8

245.6

i) Cotton Raw (Indigenous)

89.5

69.1

68.5

96.8

80.5

ii) Other Raw Material

32.4

31.0

31.3

26.5

28.9

c) Finished/Manufactured Goods

562.7

523.1

518.8

521.3

517.3

i) Cotton Textiles

97.3

85.6

93.0

104.3

99.7