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

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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

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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