Bank Lending is Rapidly Increasing
Deposits held by Pakistan's banks rose 16 percent year-on-year (YoY) to Rs.
Deposits held by Pakistan's banks rose 16 percent year-on-year (YoY) to Rs.
Article outline
- What happened
- The key numbers
- The details
- The bottom line
Key points
- The investment-to-deposits ratio (IDR) dropped to 98.3 percent, down 342 basis points YoY and 664 basis points MoM.
- Consequently, the advances-to-deposits ratio (ADR) improved to 37.7% from 37% in August.
- A year ago, bank deposits had risen 12.3%percent to Rs.
- 14.5 trillion in August, growing faster than deposits during the month.
Deposits held by Pakistan's banks rose 16 percent year-on-year (YoY) to Rs. 40.8 trillion in September 2026, up from Rs. 35.2 trillion in the same month last year, according to State Bank of Pakistan (SBP) data compiled by Arif Habib Limited.
On a month-on-month (MoM) basis, deposits grew 4 percent from Rs. 39.2 trillion in August, adding regarding Rs. 1.6 trillion in a single month.
Earlier this month, ProPakistani documented that bank deposits were nearing Rs. 40 trillion. Freelancers Set New Monthly Earnings Record. Bank Lending Picks Up.
Advances rose 14.3 percent YoY to Rs. 15.4 trillion, compared with Rs. 13.5 trillion in September 2025. Lending additionally rose 6 percent from Rs. 14.5 trillion in August, growing faster than deposits during the month.
Consequently, the advances-to-deposits ratio (ADR) improved to 37.7% from 37% in August. Nevertheless, it was still 54 basis points lower than the 38.2 percent recorded a year earlier. Investments Fall on Monthly Basis.
Banks' investments climbed 12.1 percent YoY to Rs. 40.1 trillion. Nevertheless, they fell 2.5 percent from Rs. 41.2 trillion in August.
Meanwhile, the investment-to-deposits ratio (IDR) dropped to 98.3 percent, down 342 basis points YoY and 664 basis points MoM.
Meanwhile, a year ago, bank deposits had risen 12.3%percent to Rs. 35.2 trillion in September 2025. Stay Connected with ProPakistani.
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Taken together, the developments around bank Lending is Rapidly Increasing point to a situation that is still moving, and the coming days should bring more clarity.
