Key Highlights on the

Performance of Banking System during Q1CY19

Overall performance remained satisfactory de- Risks to solvency profile of banking

spite emerging Macrofinancial challenges sector somewhat increased

NPLs to Loan Ratio increased

Banking sector’s assets contracted due to con-
siderable divestments in Government securities
Capital Adequacy Ratio declined margin-
ally

Private sector advances continued to grow,

though overall advances contracted CAR 16.1%
Advances
Net NPLs to Deposit 55.6%
to Capital 7.8%
Provision
Profitability indicators improved as Islamic
NPLR 8.2% to NPLs 84.1%
Banks enhanced share in total profitability

Trends in Banking Sector Advances during CY18

Risk Diversification: Segmentwise Quarterly Flow of Non-Performing Advances of Banking Sector
Advances
(PKR Billion)
Production & Transmission of
Energy
Textile 700

Individuals 23% 680

660
Agribusiness
43% 640
Cement 620
12%
Financial 600
580
Others 8%
560
6% 5% 7%
540
Mar-18 Jun-18 Sep-18 Dec-18 Mar-19

Earning Indicators
QoQ Increase in Consumer Finance
ROA
0.8%
Auto 3% (After Tax)

ROE
Mortgage 2% 10.8%
(After Tax)

Credit Card 1% NIM 3.8%

Cost /
55.8%
Income Ratio