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Advances to deposits ratio falls to 35pc while investments to deposits ratio goes up to 100pc: report
• Report finds lending to private sector lowest in Pakistan
• Undocumented economy is 40pc of GDP
KARACHI: The advances to deposits ratio (ADR) further declined from 50 per cent in December 2024 to just 35pc as of June this year, while the investments to deposits ratio (IDR) surged from 90pc to 100pc during the same period, according to a report.
The Banking Publication 2025 titled “Banking Forward: Journeying Towards Future Horizons” released by PwC-A.F. Ferguson on Friday said Pakistan’s ADR remains significantly lower than Bangladesh at 87pc, India at 79pc and Sri Lanka at 59pc. In contrast, Pakistan’s IDR of 100pc is much higher than Bangladesh at 29pc, India at 33pc and Sri Lanka at 47pc.
According to the report, priority sector financing continues to remain at sub-optimal levels, with SME contribution to total loans at 3.7pc and agriculture at 4pc. In comparison, SME lending as a percentage of total loans is considerably higher in other countries, including Indonesia at 19pc, Bangladesh at 17pc and India at 16pc.
Meanwhile,........
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