ISLAMIC BANKING

S.KAMAL HAYDER KAZMI,
(feedback@pgeconomist.com)
Research Analyst
, PAGE
Sep 10 - 16, 2012

ISLAMIC BANKING BRANCHES NETWORK IN PAKISTAN (March 31,2012)

BANKS AZAD KASHMIR BALOCHISTAN FATA FEDERAL CAPITAL KP GILGIT-BALTISTAN PUNJAB SINDH G.TOTAL
ISLAMIC BANKS
AlBaraka Bank (Pakistan) Limited 1 3 - 4 9 - 42 28 87
Bankislami Pakistan limited 1 8 - 2 5 1 30 23 70
Burj bank limited - 1 - 2 2 - 17 20 42
Dubai Islamic bank limited 1 5 - 4 3 - 36 29 78
Meezan bank limited 4 8 - 13 26 - 133 99 283
IB.Total 7 25 - 25 45 1 258 199 560
ISLAMIC BRANCHES OF CONVENTIONAL BANKS
Askari bank limited - 2 - 1 5 - 14 7 29
Bank Al Habib Limited - 1 -   1 - 3 6 11
Bank Alfalah Limited - 3 - 6 4 - 52 20 85
Faysal bank limited - 2 - 1 12 - 20 11 46
Habib bank limited 2 1 - 2 2 - 10 8 25
Habib metropolitan bank limited - - - -   - 1 3 4
MCB bank limited - 1 - 2 1 - 11 7 22
National bank of Pakistan 1   -   1 - 4 2 8
Soneri bank limited - 1 - 2 1 - 1 2 7
Standard chartered bank (Pakistan) - 1 - 1 3 - 4 6 15
The bank of Khyber - 2 2 - 19 - 4 3 30
United bank limited - 1 - 1 2 - 5 5 14
SAIBBs Total 3 15 2 16 51 0 129 80 296
SUB BRANCHES
Albaraka bank (Pakistan)limited - - - 1 - - - 1 2
Askari bank limited - - - 1 - - - 1 2
Bankislami Pakistan limited 1 3 - 3 2 - 9 14 32
Burj bank limited - - - - - - 3 5 8
MCB bank limited - - - - - - 1 1 2
The Bank of Khyber - - - - 1 - 1 1 3
Sub Branches Total 1 3 - 5 3 - 14 23 49
Grand Total 11 43 2 46 99 1 401 302 905

ASSETS OF ISLAMIC BANKING INDUSTRY

INDICATORS MAR-11 DEC-11 MAR-12
RS. BILLION QUARTERLY GR (PERCENT) RS. BILLION QUARTERLY GR (PERCENT) RS. BILLION QUARTERLY GR (PERCENT)
Cash & Balances With Treasury Banks 32.7 -9.7% 48.3 31.4% 37.2 -23.0%
Balances With Other Banks 13.7 -49.6% 23.3 1.6% 20.6 -11.7%
Due from Financial Institutions 19.0 -1.2% 13.8 -51.4% 20.5 48.5%
Investments - Net 194.4 23.2% 274.3 16.0% 292.9 6.8%
Financing - Net 179.6 -0.5% 200.2 12.8% 194.5 -2.8%
Operating Fixed Assets 13.3 1.7% 14.7 2.0% 15.0 1.4%
Deferred Tax Assets 2.7 24.3% 3.0 14.0% 3.2 5.4%
Other Assets 41.8 2.2% 63.3 28.6% 59.9 -5.3%
Total Assets 497.2 4.2% 641.0 12.8% 643.8 0.4%

ISLAMIC BANKING: FINANCING CONCENTRATION

SECTORS MAR-11 DEC-11 MAR-12 OVERALL BANKING INDUSTRY
Chemical and Pharmaceuticals 6.8% 7.4% 6.9% 3.8%
Agribusiness 1.6% 4.0% 3.3% 7.7%
Textile 22.6% 20.1% 21.1% 17.8%
Cement 3.6% 3.0% 3.1% 1.9%
Sugar 5.6% 3.3% 5.1% 3.4%
Shoes and leather garments 1.4% 1.6% 1.4% 0.8%
Automobile and transportation equipment 2.3% 1.4% 1.5% 1.4%
Financial 1.4% 1.2% 1.3% 1.9%
Insurance 0.0% 0.0% 0.0% 0.0%
Electronics and electrical appliances 1.5% 1.5% 1.6% 1.4%
Production and transmission of energy 7.2% 10.2% 10.5% 11.8%
Individuals 16.6% 14.9% 15.2% 8.6%
Others 29.3% 31.3% 28.9% 39.4%
Total 100.0% 100.0% 100.0% 100.0%

ISLAMIC BANKING: NON-PERFORMING FINANCING & ASSETS (%)

INDICATORS MAR-11 DEC-11 MAR-12 INDUSTRY
NPFs to Financing 8.0 7.6 8.4 15.8
Net NPFs to Net Financing 3.4 2.9 3.3 5.6
Provisions to NPFs 58.7 63.0 62.5 68.5
Net NPAs to Total Capital 14.2 10.2 12.0 24.1