BANKS ROLE IN ECONOMY

S.KAMAL HAYDER KAZMI,
(feedback@pgeconomist.com)
Research Analyst
, PAGE
Sep 26 - Oct 2, 2011

NON PERFORMING LOANS (RS IN MILLION)

BANKS & DFIS AS ON 31-3-2011 AS ON 30-6-2011
NPLS NET NPLS NET NPLS TO LOANS (%) NPLS NET NPLS NET NPLS TO LOANS (%)
All Banks & DFIs 588,933 196,873 5.82 594,475 191,362 5.58
All Banks 573,524 191,262 5.73 579,197 185,972 5.50
All Commercial Banks 542,160 181,111 5.59 543,860 171,558 5.21
Public Sector Banks 170,345 83,192 13.14 166,915 77,067 11.21
Local Private Banks 365,026 97,039 3.82 370,244 93,737 3.70
Foreign Banks 6,789 881 1.28 6,701 754 1.10
Specialized Banks 31,364 10,151 10.97 35,337 14,414 15.54
DFIs 15,409 5,611 12.45 15,278 5,391 11.37
Note: Domestic and overseas operations

PAKISTAN: INTEREST RATE SPREAD (%)

YEARS AVERAGE YIELD ON EARNING ASSETS AVERAGE COST OF INTEREST LIABILITIES SPREAD
. (a) (b) (a-b)
CY98 14.0 8.5 5.4
CY99 12.7 7.7 5.0
CY00 11.3 6.6 4.7
CY01 11.2 6.1 5.1
CY02 8.7 4.3 4.5
CY03 5.7 2.0 3.8
CY04 5.0 1.5 3.5
CY05 7.5 2.6 5.0
CY06 9.1 3.9 5.2

INTEREST RATES IN PAKISTAN

DATE RATES (%)
30-Jan-10 12.5
27-Mar-10 12.5
24-May-10 12.5
2-Aug-10 13.00
30-Sep-10 13.5
30-Nov-10 14.00
1-Aug-11 13.5

KIBOR RATE (AS ON 19-09-2011)

TENOR BID OFFER
1 - Week 13.02 13.52
2 - Week 13.03 13.53
1 - Month 13.05 13.55
3 - Month 13.10 13.35
6 - Month 13.16 13.41
9 - Month 13.18 13.68
1 - Year 13.23 13.73
2 - Year 13.30 13.80
3- Year 13.37 13.87

TOTAL ADVANCES OF SCHEDULED BANKS (STOCKS) (RS IN MILLION)

MONTH 2008 2009 2010 2011
January 2,684,089 3,127,435 3,291,239 3,486,305
February 2,734,642 3,099,980 3,291,313 3,507,724
March 2,812,732 3,061,965 3,257,292 3,473,894
April 2,870,619 3,053,171 3,298,126 3,437,152
May 2,964,509 3,174,151 3,346,472 3,450,662
June 2,943,319 3,168,566 3,308,694 3,504,663
July 2,848,844 3,147,848 3,316,015 3,417,875
August 2,899,138 3,147,207 3,313,710 3,411,810

CREDIT LOANS CLASSIFIED BY BORROWERS (RS IN MILLION)

DESCRIPTION JUN 10 JUL 11 JUN 11 (R) JUL 11 (P)
1. Credit to Government Sector (A+B) 2,426,425 2,451,523 3,009,390 3,084,345
A. SBP Credit to Government Sector (Net) 1,187,822 1,190,735 1,185,155 1,160,665
Investment in Govt. Securities 1,165,824 1,202,171 1,364,773 1,268,484
Loans to Government 117,188 84,223 21,351 11,836
Others 8,153 8,153 8,654 8,653
Less: Govt. Deposits 103,343 103,812 209,624 128,308
B. Scheduled Banks Credit to Government Sector (Net) 1,238,603 1,260,788 1,824,235 1,923,680
Investment in Govt. Securities 1,367,618 1,391,410 2,057,219 2,103,656
Loans to Government 423,912 421,431 409,909 414,255
Less: Govt. Deposits 552,927 552,053 642,893 594,232
2. Credit to Non Governmnet Sector (A+B) 3,311,418 3,286,403 3,493,835 3,406,848
A. SBP Credit to Non Govt. Sector 29,387 29,407 29,891 29,407
B. Scheduled Banks Credit to Non Govt.Sector (I+II+III) 3,282,031 3,256,996 3,463,944 3,377,441
A. Investment in Securities & Shares of Private Sector 145,051 148,083 158,021 157,642
B. Loans to Private Sector (1-4) 2,604,240 2,568,106 2,760,170 2,686,564
1. Loans to Private Sector Business 2,258,524 2,226,699 2,431,762 2,358,468
2. Trust Funds & NPOs 13,096 14,166 18,029 17,481
3. Personal 321,478 316,388 294,011 292,928
Bank Employees 76,668 76,013 76,406 76,018
Consumer Financing 244,810 240,375 217,605 216,910
For house building 54,500 53,119 47,775 47,162
For transport i.e. purchase of car etc 64,199 62,351 50,901 49,998
Credit cards 28,280 28,065 24,626 24,850
Consumers durable 211 282 224 283
Personal loans 94,776 93,416 89,650 90,371
Other 2,844 3,141 4,428 4,245
4. Other 11,141 10,854 16,369 17,688
Total Credit (1+2) 5,737,843 5,737,927 6,503,225 6,491,193
Note: Outstanding position at the end of month

TOTAL DEPOSITS OF SCHEDULED BANKS (STOCKS) (RS IN MILLION)

MONTH 2004 2005 2006 2007 2008 2009 2010 2011
January 1,808,264 2,174,060 2,588,582 2,975,457 3,574,788 3,852,605 4,400,569 5,024,480
February 1,848,798 2,227,063 2,630,445 3,034,321 3,591,861 3,897,208 4,395,650 5,050,823
March 1,872,492 2,268,001 2,650,429 3,151,944 3,628,142 3,874,550 4,424,190 5,046,487
April 1,912,244 2,309,546 2,695,939 3,177,075 3,650,050 3,874,318 4,558,556 5,135,787
May 1,961,001 2,338,583 2,733,969 3,226,117 3,696,208 4,039,870 4,574,088 5,220,669
June 2,006,675 2,377,458 2,786,731 3,460,811 3,832,454 4,120,087 4,661,241 5,599,098
July 2,070,264 2,424,130 2,813,325 3,383,373 3,777,585 4,136,735 4,656,573 5,344,077
August 2,074,487 2,425,752 2,806,645 3,403,170 3,788,611 4,115,251 4,605,232 5,364,701