Local Banks Attract Rs. 13 Billion Deposits per Day in July

Pakistan's banking sector deposits rose 13.9 percent year on year to Rs.

Key points

• The Investment Deposit Ratio stood at 104.6 percent in July, compared with 104.2 percent in June.
• It measures the proportion of deposits deployed as loans, stood at 34.7 percent in July, down from 35.2 percent in June.
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• 40.83 trillion in July, up 12.8 percent YoY from Rs.
• 16.54 trillion in July, rising 6.2 percent YoY from Rs.

Pakistan's banking sector deposits rose 13.9 percent year on year to Rs. 39.05 trillion in July 2026, but fell 4.5 percent month on month from Rs. 40.89 trillion in June, according to data compiled by the State Bank of Pakistan and Topline Research.

Bank advances additionally climbed 9.7 percent YoY to Rs. 13.56 trillion in July from Rs. 12.36 trillion a year earlier. Nevertheless, advances declined 5.7 percent MoM from Rs. 14.38 trillion in June, indicating weaker credit deployment during the month.

Bank investments reached Rs. 40.83 trillion in July, up 12.8 percent YoY from Rs. 36.19 trillion a year earlier. On a monthly basis, investments fell 4.1 percent from Rs. 42.58 trillion in June. ML-1 Railway Upgrade to Cut Karachi-Peshawar Travel Time Significantly.

Bank borrowings stood at Rs. 16.54 trillion in July, rising 6.2 percent YoY from Rs. 15.58 trillion in July 2025. Borrowings additionally declined 6.1 percent MoM from Rs. 17.61 trillion in June.

Meanwhile, the decline in deposits, advances and investments on a monthly basis came despite continued expansion compared with the same period a year earlier.

Meanwhile, the Advance Deposit Ratio. It measures the proportion of deposits deployed as loans, stood at 34.7 percent in July, down from 35.2 percent in June. The ratio was additionally lower than 36.1 percent recorded in July 2025.

In practice, the Investment Deposit Ratio stood at 104.6 percent in July, compared with 104.2 percent in June. The ratio was slightly lower than 105.6 percent recorded in July 2025.

For context, the banking sector's deposit base remains the largest component of its balance sheet, with deposits of Rs. 39.05 trillion compared with advances of Rs. 13.56 trillion and investments of Rs. 40.83 trillion in July. Stay Connected with ProPakistani.

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In short, local Banks Attract Rs. 13 Billion Deposits per Day in July is the central thread here, and readers can expect follow-up reporting as the picture becomes clearer.