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Home Remittances – Branchless Banking (Facts & Figures)

Workers’ Remittances In Pakistan (Million US Dollars)
Item Jul-19 Aug-19 Sep-19 Oct-19 Nov-19
I. Cash Flow 2,039.30 1,690.87 1,747.95 2,000.80 1,819.66
1. USA 332.37 297.41 281.91 322.38 298.64
 2. U.K. 299.27 250.20 264.89 328.69 285.56
 3. Saudi Arabia 470.95 377.58 420.88 468.18 407.48
4. U.A.E. 427.33 348.51 363.34 398.96 383.77
Dubai 277.38 230.68 242.79 269.67 264.17
Abu Dhabi 145.35 115.07 118.15 126.20 116.44
Sharjah 2.37 0.67 0.28 1.08 0.89
Others 2.23 2.09 2.12 2.01 2.28
5. Other GCC Countries 198.06 158.60 162.77 191.77 172.25
Bahrain 31.64 24.43 23.46 26.14 24.22
Kuwait 64.16 49.27 51.97 59.88 55.55
Qatar 36.88 29.36 31.23 44.61 36.84
Oman 65.39 55.54 56.12 61.14 55.64
6. EU Countries 58.30 58.14 53.20 60.94 52.76
Germany 10.99 10.78 10.34 12.31 9.78
France 6.27 6.26 5.90 6.31 5.83
Netherland 0.53 0.57 0.48 0.54 0.51
Spain 14.85 14.32 13.32 15.75 14.21
Italy 13.15 12.51 11.66 12.79 10.56
Greece 6.41 6.20 5.71 5.99 5.58
Sweden 1.45 1.35 1.18 1.60 1.11
Denmark 1.31 1.11 1.08 1.27 1.10
Ireland 1.21 3.03 1.22 0.93 0.92
Belgium 2.15 2.03 2.32 3.45 3.17
7. Malaysia 160.36 123.17 121.58 137.41 121.82
8.Norway 4.01 2.90 2.27 2.86 2.84
9. Switzerland 1.66 1.20 1.22 1.44 2.32
10. Australia 18.72 15.93 15.05 19.34 17.40
11. Canada 15.08 14.02 13.50 15.93 20.51
12. Japan 2.31 2.13 1.78 2.36 1.98
13. Others Countries 50.87 41.08 45.55 50.55 52.32
II. Encashment and Profit in Pak.Rs. of Foreign Exchange Bearer Certificates (FEBCs) & Foreign Currency Bearer Certificates (FCBCs) 0.00 0.00 0.00 0.00 0.00
Total (I+II) 2,039.30 1,690.87 1,747.95 2,000.80 1,819.66
Payment Systems Infrastructure – Comparison (Actual Numbers)
Number of: Quarter-3 FY18 Quarter-4 FY18 Quarter-1 FY19 Quarter-2 FY19 Quarter-3 FY19p
Commercial Banks 33 34 34 34 34
Microfinance Banks (MFBs) 11 11 11 11 11
Development Finance 8 8 8 8 8
PRISM Participants 43 43 45 45 45
Banks 32 32 33 33 33
MFBs 2 2 3 3 3
DFIs 8 8 8 8 8
Non-Bank 1 1 1 1 1
All Banks/ MFBs Branches 14,836 14,970 15,053 15,464 15,549
Real Time Online Branches (RTOBs) 14,696 14,850 14,932 15,346 15,408
ATMs 13,835 14,019 14,148 14,361 14,575
On-site 10,602 11,366 11,489 11,661 11,878
Off-Site 2,357 2,648 2,654 2,695 2,692
Mobile 4 5 5 5 5
POS Machines 49,929 53,511 53,269 49,261 55,240
Internet Banking Users 2,781,004 3,113,728 3,422,670 3,362,229 3,113,399
Mobile Phone Banking Users 2,712,344 3,385,889 3,643,692 3,943,241 5,045,263
Call Centers/ IVR Banking Users 23,940,609 26,484,765 27,171,282 27,967,811 30,853,027
E-Commerce Merchants Registered with Banks 812 1,094 1,242 1,186 1,398

 

Payment Systems Infrastructure As On 31st March, 2019
Number of Banks (Branches) 45(15,549)
Commercial/ Specialized Banks Branches 14,383
Microfinance (Branches) 1,166
Number of Real Time Online Branches (RTOBs) 15,408
Number of banks having ATM machines 33
Number of banks having POS machines 9
Number of banks providing Internet Banking services 27
Number of Banks providing Mobile Phone Banking services 23
Number of Banks providing Call Center Banking services 22
Total Number of PRISM System Participants 45
Total number of ATMs Interoperable Switches 1
Total number of Cash Deposits Machines (CDMs) 49

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