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    2 Banking Institutions

    Uploaded by

    Asad Akhlaq
    Banking institutions in Pakistan can be divided into three phases: an infancy phase from 1947-1974, a nationalization phase from 1974-1989-1990, and a denationalization and financial sector reforms phase from 1990 to present. The State Bank of Pakistan regulates scheduled banks, which include public sector banks, local private banks, Islamic banks, foreign banks, specialized banks, development financial institutions, and microfinance banks. Key facts about the Pakistani banking sector include over 16,000 branches, 16,355 ATMs, and over 62 million bank accounts. The banking industry is regulated through prudential regulations enforced by the State Bank of Pakistan.

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    2 Banking Institutions

    Uploaded by

    Asad Akhlaq
    46 views13 pages
    Banking institutions in Pakistan can be divided into three phases: an infancy phase from 1947-1974, a nationalization phase from 1974-1989-1990, and a denationalization and financial sector reforms phase from 1990 to present. The State Bank of Pakistan regulates scheduled banks, which include public sector banks, local private banks, Islamic banks, foreign banks, specialized banks, development financial institutions, and microfinance banks. Key facts about the Pakistani banking sector include over 16,000 branches, 16,355 ATMs, and over 62 million bank accounts. The banking industry is regulated through prudential regulations enforced by the State Bank of Pakistan.

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    Banking institutions in Pakistan can be divided into three phases: an infancy phase from 1947-1974, a nationalization phase from 1974-1989-1990, and a denationalization and financial sector reforms phase from 1990 to present. The State Bank of Pakistan regulates scheduled banks, which include public sector banks, local private banks, Islamic banks, foreign banks, specialized banks, development financial institutions, and microfinance banks. Key facts about the Pakistani banking sector include over 16,000 branches, 16,355 ATMs, and over 62 million bank accounts. The banking industry is regulated through prudential regulations enforced by the State Bank of Pakistan.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    46 views13 pages

    2 Banking Institutions

    Uploaded by

    Asad Akhlaq
    Banking institutions in Pakistan can be divided into three phases: an infancy phase from 1947-1974, a nationalization phase from 1974-1989-1990, and a denationalization and financial sector reforms phase from 1990 to present. The State Bank of Pakistan regulates scheduled banks, which include public sector banks, local private banks, Islamic banks, foreign banks, specialized banks, development financial institutions, and microfinance banks. Key facts about the Pakistani banking sector include over 16,000 branches, 16,355 ATMs, and over 62 million bank accounts. The banking industry is regulated through prudential regulations enforced by the State Bank of Pakistan.

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    2.

    Banking Institutions in
    Pakistan
    Reviewd by: Kashif Gulzar
    Bank
    • Basic Business Model
    • Deposit and Lend Money
    • Income Sources
    • Spread Income/Margin
    • Services Income
    • Functions
    • Liquidity
    • Transmission of Govt. Policy
    • Paymeng Gateway for all transactions
    • Source of finanace for Corporate Sector
    Pakistani Banking Sector
    • Can be divided in three phases
    • Phase 1-Infancy to devolping phase 1947-1974
    • Phase 2- Nationalization 1974-1989-90
    • Phase 3- Denationalization and Financial sector Reforms 1990-till date
    • Future- Digital Banking
    SBP regulated Banks
    Regulated Banks (also Called Scheduled Banks)
    Public Sector Banks 5
    Local Private Banks 15
    Islamic Banks 5
    Foriegn Banks 4
    Specialized Banks 4
    DFIs 9
    MFBs 11
    Banks with Names

    Public Sector Banks


    First Women Bank Limited The Bank of Punjab
    National Bank of Pakistan Sindh Bank Limited
    The Bank of Khyber

    Local Private Banks


    Habib Bank Limited JS Bank Limited
    United Bank Limited Faysal Bank Limited
    MCB Bank Limited Askari Bank Limited
    Allied Bank limited Standard Chartered Bank (Pakistan) Limited
    Bank Al-Falah Limited Soneri Bank Limited
    Bank Al-Habib Limited SILKBANK Limited
    Habib Metropolitan Bank Limited Summit Bank Limited
    Samba Bank Limited
    Banks with Names
    Islamic Banks
    Meezan Bank Limited MCB Islamic Bank Limited
    Al-Baraka Bank (Pakistan) Limited Dubai Islamic Bank Pakistan
    Bank Islami Pakistan Limited

    Foriegn Banks
    Citi Bank N.A Industrial & Commercial Bank of China
    Deutsche Bank AG Bank of China Limited

    MFBs
    HBL Microfinance Bank Limited Mobilink Microfinance Bank Limited
    NRSP Microfinance Bank Limited APNA Microfinance Bank Limited
    Khushhali Microfinance Bank Limited Advans Pakistan Microfinance Bank Ltd
    Telenor Microfinance Bank Limited Sindh Microfinance Bank Limited
    Pak Oman Microfinance Bank Limited FINCA Microfinance Bank Limited
    U Microfinance Bank Limited

    DFIs
    Pakistan Kuwait Investment Company Limited House Building Finance Company Limited
    Pak Oman Investment Company Limited Investment Company Ltd.
    Pak-Brunei Investment Company Limited PAIR Investment Company Limited
    Pak Libya Holding Company Limited Pak China Joint Investment Company Ltd
    Other Institutions attached with Banks

    Credit Bureaus
    Aequitas Information Services Limited
    Data Check Limited

    Payment Services Operators


    1LINK (Pvt.) Ltd.

    Virtual Remittance Gateway (Pvt.) Ltd.

    National Institutional Facilitations Technologies (Pvt.) Ltd. (NIFT)


    Facts and Figures
    FY 2020-21

    RTOB 16,170

    Manual Branches 31

    Overseas Branches 107

    Total Branches 16,308

    ATMs 16,355

    POS 71,907

    Internet Banking Users 5.239 MM

    Mobile Phone Banking Users 10.872 MM

    Bank Accounts 62.005 MM


    Facts and Figures

    as of 31-12-2020 amount in Billions


    Bank Deposit (Bn.) Branches (No.) Net Income
    (Bn.)
    HBL 2,830 1,667 30.8
    NBP 2,419 1,530 30.6
    UBL 1,764 1,376 20.8
    MCB 1,389 1,410 29.5
    Meezan Bank 1,254 815 22.6
    ABL 1,217 1,402 18.3
    Bank Al-Habib 1,100 718 17.9
    Bank Alfalah 881 698 10.8
    Bank of Punjab 835 524 6.9
    Askari Bank 790 535 10.8
    Facts and Figures
    Market size (as of October 2021)

    • Deposits
    • 19,344 Billion PKR
    • Advances
    • 9,394 Billion PKR
    • Investments
    • 13,796 Billion PKR
    Regulatory Authority (SBP)
    • Around the world Banks are regulated primarily by Central Banks
    • In Pakistan Central Bank is “State Bank of Pakistan”
    • Following regulations are enforced
    Regulatory authority (SBP)
    • Prudential regulations
    International Regulations
    • Basel Accord
    • recommendations on banking regulations
    • Basel guidlines have no legal authority, central banks can also modify for local use.
    • Given the risk factor sharing across borders, the committe issued three set
    of recommendations
    • Basel I 1988
    • Basel II 2004
    • Basel III 2010
    • Basel III.1 2023 (unoffoicial)
    • Key emphasis is for banks having “enough money”

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