BANKING INDUSTRY

S.KAMAL HAYDER KAZMI,
(feedback@pgeconomist.com)
Research Analyst
, PAGE
Nov 19 - 25, 2012

NON-PERFORMING LOANS (Rs. Mn)

BANKS/DFIs As of 31-03-2012 As of 30-06-2012
NPLs NET NPLs NET NPLs TO NET LOANS (%) NPLs NET NPLs NET NPLs TO NET LOANS (%)
All Banks & DFIs 625,443 198,539 5.71 652,991 222,490 6.15
All Banks 608,759 191,625 5.59 634,790 213,926 5.99
All Commercial Banks 576,944 181,547 5.44 599,003 198,016 5.70
Public Sector Banks 171,422 73,550 10.47 196,399 98,241 12.78
Local Private Banks 397,758 107,045 4.17 394,720 98,882 3.74
Foreign Banks 7,765 952 1.42 7,883 892 1.40
Specialized Banks 31,815 10,078 10.68 35,788 15,911 16.24
DFIs 16,683 6,914 14.81 18,200 8,564 18.32
Note: (Domestic and Overseas Operations)

ADVANCES OF SCHEDULED BANKS (STOCK) (Rs. Mn)

AS ON LAST WEEK OF 2010 2011 2012
January 3,291,239 3,486,305 3,492,649
February 3,291,313 3,507,724 3,567,035
March 3,257,292 3,473,894 3,606,844
April 3,298,126 3,437,152 3,602,125
May 3,346,472 3,450,662 3,626,809
June 3,308,694 3,504,663 3,739,942
July 3,316,015 3,417,875 3,702,076
August 3,313,710 3,411,810 3,713,955
September 3,270,304 3,415,131 3,722,737
October 3,338,339 3,443,067 -
November 3,373,427 3,356,983 -
December 3,494,228 3,492,596 -

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

INVESTMENT OF SCHEDULED BANKS (STOCK)(Rs. Mn)

AS ON LAST WEEK OF 2010 2011 2012
January 1,673,380 2,124,669 3,046,756
February 1,674,354 2,125,841 3,037,332
March 1,704,831 2,202,311 3,088,998
April 1,705,274 2,125,160 3,055,307
May 1,736,724 2,341,433 3,134,079
June 1,804,345 2,547,524 3,171,006
July 1,863,034 2,592,727 3,347,336
August 1,796,333 2,657,339 3,389,697
September 1,820,063 2,763,999 3,658,326
October 1,869,661 2,711,029  
November 1,890,000 2,961,869  
December 2,101,635 2,970,283  

INTEREST RATE

DATE (%)
2-Aug-10 13.00
30-Sep-10 13.5
30-Nov-10 14.00
1-Aug-11 13.5
9-Oct-11 12.00
13-Aug-12 10.5
6-Oct-12 to date 10.00

DEPOSITS OF SCHEDULED BANKS (STOCKS) (Rs. Mn)

AS ON LAST WEEK OF 2008 2009 2010 2011 2012
January 3,574,788 3,852,605 4,400,569 5,024,480 5,682,167
February 3,591,861 3,897,208 4,395,650 5,050,823 5,716,810
March 3,628,142 3,874,550 4,424,190 5,046,487 5,920,093
April 3,650,050 3,874,318 4,558,556 5,135,787 5,935,537
May 3,696,208 4,039,870 4,574,088 5,220,669 6,021,033
June 3,832,454 4,120,087 4,661,241 5,599,098 6,402,735
July 3,777,585 4,136,735 4,656,573 5,344,077 6,112,082
August 3,788,611 4,115,251 4,605,232 5,364,701 6,276,121
September 3,781,524 4,161,958 4,670,730 5,418,431 6,315,373
October 3,681,110 4,193,810 4,733,025 5,390,395 -
November 3,756,126 4,207,191 4,791,949 5,415,583 -
December 3,801,411 4,325,139 5,124,308 5,874,689 -

CREDIT/LOANS CLASSIFIED BY BORROWERS
(Rs. Mn) (May 31, 2012)

DESCRIPTION MAY-12P
1. Credit to Government Sector (A+B) 4,105,889
A. SBP Credit to Government Sector (Net) 1,615,121
Investment in Govt. Securities 1,695,042
Loans to Government 2,740
Others 8,653
Less: Govt. Deposits 91,315
B. Scheduled Banks Credit to Government Sector (Net) 2,490,768
Investment in Govt. Securities 2,730,714
Loans to Government 414,228
Less: Govt. Deposits 654,173
2. Credit to Non Government Sector (A+B) 3,558,208

ASSETS OF ISLAMIC BANKING INDUSTRY

INDICATORS MAR-11 (RS. BN) DEC-11
(RS. BN)
MAR-12
(RS. BN)
Cash & Balances With Treasury Banks 32.7 48.3 37.2
Balances With Other Banks 13.7 23.3 20.6
Due from Financial Institutions 19.0 13.8 20.5
Investments - Net 194.4 274.3 292.9
Financing - Net 179.6 200.2 194.5
Operating Fixed Assets 13.3 14.7 15.0
Deferred Tax Assets 2.7 3.0 3.2
Other Assets 41.8 63.3 59.9
Total Assets 497.2 641.0 643.8

INFLATION INDICES (BASE 2007-08)

INDEX

SEPTEMBER OVER SEPTEMBER % CHANGES

2012-13

2011-12

2010-11

CPI

8.79

10.46

14.89

SPI

8.06

7.56

18.92

WPI

7.82

16.98

18.56


MINIMUM CAPITAL REQUIREMENTS (RS. BN )
DEAD LINE PREVIOUS REVISED
31-12-2008 5.0 5.0
31-12-2009 6.0 6.0
31-12-2010 10.0 7.0
31-12-2011 15.0 8.0
31-12-2012 19.0 9.0
31-12-2013 23.0 10.0