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An Overview | Sep-2012
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Contentsa ng n verse
Banking Industry Structure
Liability
Banking Industry Components
Investment
De osit Mix
Interest Rate Trend
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Rating Universe 30-Jun-11 30-Sep-12
Ratings UniverseBanking Universe
[System share based on Total Assets]
30-Sep-12 System
Share
JCR Clients 15 14
Total ratings 32 31
Public Sector Banks 5 ~19%
Local Private Banks 22 ~80%
Foreign Banks (Branch Operations) 7 ~1%
Total Commercial Banks 34 100%ua c ents
Total Rated CommercialBanks
29 28a) Conventional Banks 29 95%
b) Islamic Banks 5 5%
Positive Outlook Negative Outlook Source: PACRA & JCR
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Banks Ratings (As at 30-Sep-12)Size System PACRA JCR
Size System PACRA JCR
Large Banks ( Greater than 5% of system share in terms of total
assets as on end Sep-12)
1. Habib Bank Limited ~ 15% - AAA
2. National Bank of Pakistan ~ 14% - AAA
Share
Medium Banks ( 2%-5% of system share as on end Sep-12)
1. Standard Chartered Bank ~ 5% AAA -
2. Habib Metropolitan Bank Limited ~4% AA+ -
3. United Bank Limited ~ 10% - AA+
4. MCB Bank Limited ~ 9% AA+ -
5. Bank Alfalah Limited ~ 7% AA -
6.Allied Bank Limited ~ 7% AA+ -
3. Bank of Punjab ~ 4% AA- -
4. Askari Bank Limited ~ 4% AA -
5. Faysal Bank Limited ~4% AA AA
6. NIB Bank Limited ~3% AA- -
. - ~ -
Total ~66% - -
~ - -
Size System
Share
PACRA JCR
Size SystemShare
PACRA JCR
- - -
1. Soneri Bank Limited ~2% AA- -
2. SUMMIT Bank Limited. ~2% A-
3. KASB Bank Limited ~ 1 % BBB -
4. Bank of Khyber Limited ~1 % A- A
Islamic Banks (System share as on end Sep-12)
1. Meezan Bank Limited ~ 3% - AA-
2. Bank Islami Pakistan Limited
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Banking Industry as % of Gross Domestic Product
Source: Weekly statement of position of all scheduled banks & Pakistan Economic Survey
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Asset Structure
Source: Weekly statement of position of all scheduled banks
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Equity Structure
Source: Weekly statement of position of all scheduled banks
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Segment wise Break-up of Gross Advances
14%12%
10%6%
18%
6%
6%7%8%
17%9%
17%16%
8%
18%
15%18%
14%12%
17%
13%16%
54% 53% 53% 56% 63% 62% 63% 65% 65%
Source: SBP, Quarterly Compendium : Banking Statistics
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Consumer Financing at end- Sep12
6%
18%
6%
65%
Sep-12
Total Advances: PKR 3,981,252mln
Source: SBP, Quarterly Compendium : Banking Statistics
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Advances to Deposits Vs Investments to Deposits
Source: Weekly statement of position of all scheduled banks
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Interest Rate Trend
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Asset Quality
Source: SBP, Quarterly Compendium : Banking Statistics
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Provisioning Against Non Performing Loans(NPLs)
Source: Offsite Supervision and Enforcement Department, SBP
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Asset Quality A Complete View
Source: SBP, Quarterly Compendium : Banking Statistics
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Segment-wise break up of NPLs
Advances: 10: PKR 3,714, 312mln, 11: PKR 3,746, 149mln, Sep12 PKR 3,981,253mln
Source: SBP, Quarterly Compendium : Banking Statistics
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Sector-wise break up of NPLs
Source: SBP, Quarterly Compendium : Banking Statistics
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Analysts Aisha Yasin
PACRA has used due care in preparation of this document. Our information has been obtained from sourceswe consider to be reliable but its accuracy or completeness is not guaranteed. The information in thisdocument may be copied or otherwise reproduced, in whole or in part, provided the source is duly
acknowledged. The presentation should not be relied upon as professional advice.
