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FINANCIAL INCLUSION.

Byline: S.KAMAL HAYDER KAZMI

SEGMENT-WISE ADVANCES AND NON PERFORMING LOANS (NPLs) (amount in PKR million, ratio in %)DETAILS Jun-14 Mar-15 Jun-15 ADVANCES NPLS INFECTION ADVANCES NPLS INFECTION ADVANCES NPLS INFECTION RATIO RATIO RATIOCorporate Sector 3,060,174 415,832 13.6 3,243,884 443,273 13.70 3,368,616 442,849 13.10Fixed Investments 1,211,455 200,496 16.5 1,368,700 218,868 16.00 1,518,859 217,895 14.30Working Capital 1,200,902 139,921 11.7 1,181,297 148,374 12.60 1,196,295 148,839 12.40Trade Finance 647,818 75,415 11.6 693,887 76,031 11.00 653,462 76,114 11.60SMEs Sector 264,474 89,693 33.9 274,065 87,789 32.00 274,358 88,269 32.20Fixed Investments 33,112 11,754 35.5 42,019 10,835 25.80 47,349 11,420 24.10Working Capital 193,713 70,317 36.3 199,064 69,047 34.70 195,987 68,773 35.10Trade Finance 37,650 7,622 20.2 32,982 7,907 24.00 31,022 8,075 26.00Agriculture Sector 245,597 36,437 14.8 260,320 36,578 14.10 276,118 45,756 16.60Consumer sector 288,246 35,764 12.4 298,412 35,009 11.70 320,736 34,066 10.60i. Credit cards 22,693 2,325 10.2 22,446 2,435 10.80 23,960 2,462 10.30ii. Auto loans 64,938 3,556 5.5 76,071 3,764 4.90 84,437 3,594 4.30iii. Consumer 265 72 27 345 70 20.40 347 69 20.00durableiv. Mortgage loans 50,891 14,368 28.2 52,557 13,792 26.20 53,782 13,332 24.80v. Other personal 149,459 15,443 10.3 146,994 14,947 10.20 158,210 14,609 9.20loansCommodity 570,788 4,649 0.8 523,681 5,723 1.10 589,173 6,685 1.10financingCotton 21,113 1,472 7 29,079 1,406 4.80 18,110 1,401 7.70Rice 15,843 2,594 16.4 26,439 2,770 10.50 14,716 2,951 20.10Sugar 89,637 169 0.2 104,364 1,117 1.10 86,548 1,908 2.20Wheat 381,790 225 0.1 301,806 240 0.10 419,578 236 0.10Others 62,406 190 0.3 61,995 190 0.30 50,221 190 0.40Staff Loans 86,668 1,292 1.5 94,166 1,236 1.30 98,538 1,211 1.20Others 145,892 11,630 8 139,352 10,727 7.70 133,836 11,194 8.40Total 4,661,840 595,298 12.8 4,833,880 620,335 12.80 5,061,376 630,030 12.40

PUBLIC SECTOR COMMERCIAL BANKS (Rs Million)

INDICATORS###14-Jun###14-Dec###15-Mar###15-Jun

Total Assets###2,070,897###2,330,411###2,223,853###2,352,118

Investments (net###726,333###850,795###911,065###958,593

of Provisions)

Advances (net of###854,334###893,321###871,913###890,624

Provision)

Borrowings###76,920###146,058###190,058###86,410

Deposits###1,633,766###1,746,666###1,636,785###1,866,527

Liabilities###1,871,226###2,100,909###1,999,689###2,124,422

Paid up Capital###58,823###59,323###59,323###59,323

Equity###199,671###229,502###224,164###227,697

Profit before tax###13,260###31,917###8,672###21,766

Profit after tax###8,634###20,957###5,680###12,937

Provisioning###4,952###11,325###3,494###10,687

Charges (ytd)

Non-Performing###171,294###182,324###194,209###196,592

Loans

Provisions Held###125,243###129,824###136,019###143,367

Against NPLs

Non-Performing###46,051###52,500###58,190###53,225

Loans (net)

LOCAL PRIVATE BANKS (Rs. Million)

INDICATORS###14-Jun###14-Dec###15-Mar###15-Jun

Total Assets###8,614,605###9,344,252###9,853,707###10,471,406

Investments (net of###3,636,986###4,297,707###4,868,934###5,103,300

Provisions)

Advances (net of###3,163,372###3,376,319###3,287,006###3,489,696

Provision)

Borrowings###500,437###750,014###1,063,430###1,128,114

Deposits###6,988,118###7,340,944###7,457,623###7,968,803

Liabilities###7,898,545###8,513,972###8,977,217###9,576,431

Paid up Capital###380,614###388,493###387,993###393,904

Equity###716,060###830,280###876,490###894,975

Profit before tax###92,823###200,556###65,128###137,767

Profit after tax###61,043###132,859###42,411###78,688

Provisioning Charges###3,884###12,706###6,735###13,888

(ytd)

Non-Performing Loans###380,476###385,075###392,186###391,272

Provisions Held Against###322,024###328,097###336,127###342,215

NPLs

Non-Performing Loans###58,452###56,978###56,059###49,057

(net)

FOREIGN BANKS (Rs. Million)

INDICATORS###14-Jun###14-Dec###15-Mar###15-Jun

Total Assets###248,266###238,346###264,464###224,490

Investments (net of###117,898###126,977###146,244###120,433

Provisions)

Advances (net of###58,752###57,688###52,451###38,352

Provision)

Borrowings###56,717###76,235###88,680###76,516

Deposits###127,528###107,509###120,114###100,829

Liabilities###207,800###204,191###228,532###193,972

Paid up Capital###40,925###32,893###32,629###21,872

Equity###40,466###34,155###35,932###30,518

Profit before tax###3,119###6,193###4,020###6,537

Profit after tax###1,994###4,401###2,615###4,186

Provisioning Charges###-121###-141###-81###-368

(ytd)

Non-Performing Loans###6,699###4,756###4,684###3,582

Provisions Held Against###6,162###4,849###4,767###3,635

NPLs

Non-Performing Loans###537###-93###-83###-54

(net)

SPECIALIZED BANKS (Rs Million)

INDICATORS###14-Jun###14-Dec###15-Mar###15-Jun

Total Assets###180,961###193,252###185,995###195,875

Investments (net of###31,273###34,150###27,771###26,806

Provisions)

Advances (net of###112,092###119,972###124,977###133,460

Provision)

Borrowings###84,536###29,141###34,856###31,337

Deposits###24,141###34,655###21,906###33,757

Liabilities###160,693###79,744###74,385###82,635

Paid up Capital###16,853###106,344###106,344###106,344

Equity###20,269###113,508###111,610###113,240

Profit before tax###3,317###7,873###2,065###4,925

Profit after tax###2,234###5,151###1,418###3,282

Provisioning Charges###1,025###1,433###1,494###981

(ytd)

Non-Performing Loans###36,829###32,543###29,256###38,584

Provisions Held Against###19,861###19,886###20,619###20,026

NPLs

Non-Performing Loans###16,968###12,657###8,636###18,558

(net)
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Publication:Pakistan & Gulf Economist
Date:Nov 8, 2015
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