|
REGION WISE BRANCHES (December 31, 2016)
|
||
|---|---|---|
|
Province/Region
|
Total Number
|
Share (%)
|
|
Punjab
|
1,092
|
47.0
|
|
Sindh
|
705
|
30.3
|
|
KPK
|
250
|
10.8
|
|
Baluchistan
|
99
|
4.3
|
|
Gilgit Baltistan
|
10
|
0.4
|
|
FATA
|
9
|
0.4
|
|
Federal Capital
|
121
|
5.2
|
|
AJK
|
36
|
1.6
|
|
Total
|
2,322
|
100.0
|
[divider style=”normal” top=”20″ bottom=”20″]
|
PAKISTAN: STRUCTURE OF INTEREST RATES –I (%)
|
|||
|---|---|---|---|
|
w.e.f.
|
SBP Reverse Repo Rate
|
SBP Repo Rate
|
SBP Policy (Target) Rate
|
|
26-Jan-15
|
8.5
|
6.0
|
–
|
|
24-Mar-15
|
8.0
|
5.5
|
–
|
|
25-May-15
|
7.0
|
5.0
|
6.5
|
|
14-Sep-15
|
6.5
|
4.5
|
6.0
|
|
23-May-16 till date
|
6.25
|
4.25
|
5.75
|
[divider style=”normal” top=”20″ bottom=”20″]
|
FINANCING MIX (% Share)
|
|||
|---|---|---|---|
|
Details
|
Dec-15
|
Sep-16
|
Dec-16
|
|
Murabaha
|
24.5
|
16.9
|
15.8
|
|
Ijarah
|
6.6
|
7.8
|
6.8
|
|
Musharaka
|
14.0
|
12.0
|
15.6
|
|
Diminishing Musharaka (DM)
|
31.7
|
38.5
|
34.7
|
|
Salam
|
5.3
|
3.3
|
4.4
|
|
Istisna
|
8.6
|
7.0
|
8.4
|
|
Others
|
9.3
|
14.5
|
14.3
|
|
Total
|
100.0
|
100.0
|
100.0
|
[divider style=”normal” top=”20″ bottom=”20″]
|
CLIENT WISE FINANCING PORTFOLIO (% Share)
|
||||
|---|---|---|---|---|
|
Details
|
Dec-15
|
Sep-16
|
Dec-16
|
Industry
|
|
Corporate Sector
|
74.4
|
79.8
|
77.5
|
68.0
|
|
SMEs
|
3.1
|
3.2
|
3.4
|
7.1
|
|
Agriculture
|
0.6
|
0.7
|
0.8
|
5.3
|
|
Consumer Financing
|
10.0
|
11.8
|
10.5
|
6.5
|
|
Commodity Financing
|
8.6
|
2.8
|
5.6
|
11.1
|
|
Others
|
3.3
|
1.7
|
2.2
|
2.0
|
|
Total
|
100.0
|
100.0
|
100.0
|
100.0
|
[divider style=”normal” top=”20″ bottom=”20″]
|
ASSETS QUALITY RATIOS (%)
|
||||
|---|---|---|---|---|
|
Details
|
Dec-15
|
Sep-16
|
Dec-16
|
Industry
|
|
NPFs to Financing (gross)
|
4.9
|
4.8
|
4.1
|
10.1
|
|
Net NPFs to Net Financing
|
0.2
|
0.6
|
0.7
|
1.6
|
|
Provisions to NPFs
|
95.6
|
88.1
|
84.7
|
85.0
|
[divider style=”normal” top=”20″ bottom=”20″]
[ads1]
|
LIQUIDITY RATIOS (%)
|
||||
|---|---|---|---|---|
|
Details
|
Dec-15
|
Sep-16
|
Dec-16
|
Industry
|
|
Liquid Assets (Rupees in billions)
|
566
|
747
|
610
|
8,506
|
|
Liquid Asset to Total Assets
|
35.1
|
41.8
|
32.9
|
53.7
|
|
Liquid Assets to Deposits
|
41.2
|
50.6
|
38.8
|
72.1
|
[divider style=”normal” top=”20″ bottom=”20″]
|
ISLAMIC TERMS USED IN ISLAMIC BANKING
|
|
|---|---|
|
Amanah: It refers to deposits in trust.
|
Bai‘ Muajjal: Literally it means a credit sale.
|
|
Bai′ Salam: Salam means a contract in which advance payment is made for goods to be delivered later on.
|
Bai′ bil Wafa: Sale with a right in the seller, having the effect of a condition, to repurchase (redeem) the property by refunding the purchase price.
|
|
Falah: Falah means to thrive, to become happy or to have luck and success.
|
Dayn or Debt : A Dayn comes into existence as a result of any other contract or credit transaction.
|
|
Fiqh: Islamic law. The science of the Shariah. It is an important source of Islamic economics.
|
Gharar: It means any element of absolute or excessive uncertainty in any business or a contract about the subject of contract or its price, or mere speculative risk.
|
|
Ijarah: Letting on lease. Sale of a definite usufruct of any asset in exchange of definite reward.
|
Ijarah-wal-Iqtina‘: A mode of financing, by way of Hire-purchase, adopted by Islamic banks.
|
|
Ijtihad: It refers to an endeavor of a qualified jurist to derive or formulate a rule of law to determine the true ruling of the divine law in a matter on which the revelation is not explicit or certain, on the basis of Nass or evidence found in the Holy Qur’an and the Sunnah.
|
Istisna’a: It is a contractual agreement for manufacturing goods and commodities, allowing cash payment in advance and future delivery or a future payment and future delivery.
|
|
Mudarabah: A form of partnership where one party provides the funds while the other provides expertise and management.
|
Mubah: Object that is lawful (i.e. something which is permissible to use or trade in).
|
|
Musawamah: Musawamah is a general kind of sale in which price of the commodity to be traded is bargained between seller and the purchaser without any reference to the price paid or cost incurred by the former.
|
Murabaha: Literally it means a sale on mutually agreed profit.
|
|
Musharakah: Musharakah means a relationship established under a contract by the mutual consent of the parties for sharing of profits and losses in the joint business.
|
Riba: An excess or increase. Technically, it means an increase over principal in a loan transaction or in exchange for a commodity accrued to the owner (lender) without giving an equivalent counter-value or recompense (‘iwad) in return to the other party; every increase which is without an ‘iwad or equal counter-value.
|
[divider style=”normal” top=”20″ bottom=”20″]
|
FINANCING CONCENTRATION (% Share)
|
||||
|---|---|---|---|---|
|
Details
|
Dec-15
|
Sep-16
|
Dec-16
|
Industry
|
|
Chemical and Pharmaceuticals
|
7.7
|
6.3
|
6.6
|
4.2
|
|
Agribusiness
|
5.8
|
3.4
|
3.9
|
9.1
|
|
Textile
|
18.0
|
14.9
|
15.7
|
14.2
|
|
Cement
|
1.8
|
1.9
|
1.9
|
1.2
|
|
Sugar
|
3.4
|
1.9
|
2.7
|
2.9
|
|
Shoes and leather garments
|
0.7
|
0.6
|
0.5
|
0.5
|
|
Automobile and transportation equipment
|
1.5
|
1.5
|
1.6
|
1.6
|
|
Financial
|
0.7
|
0.6
|
0.6
|
3.0
|
|
Electronics and electrical appliances
|
1.9
|
1.3
|
1.1
|
1.3
|
|
Production and transmission of energy
|
9.4
|
16.8
|
15.8
|
14.8
|
|
Individuals
|
10.9
|
13.4
|
12.1
|
9.2
|
|
Others
|
38.2
|
37.5
|
37.5
|
38.0
|
|
Total
|
100.0
|
100.0
|
100.0
|
100.0
|