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Islamic Banking & Finance Updates
 
Asset and Financing of Islamic Banking in Pakistan
 
Table 1: Industry Progress and market share
Rupees in billion & industry share in percent
 
  Sep 09* Jun 09* Dec. 08 Dec. 07 Dec.06 Dec.05 Dec.04 Dec.03
Total Assets 323 313 276 206 119 72 44 13
Share in industry 5.3 5.1 4.9 4.0 2.8 2.0 1.5 0.5
Deposits 245 238 202 147 84 50 30 8
Share in industry 5.5 5.2 4.8 3.8 2.6 1.8 1.3 0.4
Net Financing & Investment 198 194 186 138 73 48 30 10
Share in industry 4.2 4.2 4.3 3.5 2.3 1.7 1.3 0.5
Total Islamic Banking
Institutions
19 18 18 18 16 11 11 4
Total No. of Branches 551 528 515 289 150 70 48 17
 
Islamic Financing Mix in Pakistan.
Rupees in billion
 
Jun 09           Sep 09           % Change
 
Murabaha 58.0 50.6 -12.8
Ijarah 26.2 29.8 13.5
Musharaka 3.7 3.6 -2.8
Mudaraba 0.9 0.5 -48.1
Diminishing Musharaka 45.3 38.0 -15.0
Salam 2.9 1.7 -41.7
Istisna 4.8 6.1 26.2
Others 2.3 7.9 242.4
Total 144.3 138.7 -3.9
Amount of  Non Performing Financing 7.3 8.9 23.3
Provision Non Performing Financing 4 4.9 24.6
Net Non Performing Fin. 3.3 4 21.7
Net Financing 140.3 133.7 -4.7
 
Province wise Break-up of Islamic Banking Branch Network
(As of September,30, 2009)
 
Branch Name Azad
Kashmir
Baluchistan Fedral
Capital
Northern
Areas
NWFP Punjab Sind Grand
Total
Al Baraka Islamic Bank B.S.C 1   3   3 15 8 30
BankIslami Pakistan Limited 1 8 2 1 5 30 23 70
Dawood Islamic Bank Limited     1   1 8 15 25
Dubai Islamic Bank Pakistan Limited   1 2   1 12 8 24
Emirates Global Islamic Bank Limited   1 2   6 20 13 42
Meezan Bank Limited 1 4 7   13 66 49 140
Sub Total 3         14 17 1 29 151 116 331
Islamic Banking Division          
Askari Bank Limited   1 1   4 11 5 22
Bank Al Habib Limited   1     1 2 2 6
Bank Alfalah Limited   1 3   3 29 12 48
Faysal Bank Limited             1 1
Habib Bank Limited             1 1
Habib Metropolitan Bank Limited           1 3 4
MCB Bank Limited   1 1   1 5 3 11
National Bank of Pakistan 2       1 3 2 8
Soneri Bank Limited   1 1   1 1 2 6
Standard Chartered Bank   1 1   3 3 3 11
The Bank of Khyber   1     10 3 2 16
The Royal Bank of Scotland Limited           1 2 3
United Bank Limited         1 3 1 5
Sub-Total 2 7 7   25 62 39 142
Sub- Branches
Al Baraka Islamic Bank B.S.C     1       1 2
BankIslami Pakistan Limited 1 3 3   2 9 14 32
Dawood Islamic Bank Limited  

 

 
        3 3 6
Dubai Islamic Bank Pakistan Limited         1   1 2
Emirates Global Islamic Bank Limited     1         1
Meezan Bank Limited   1 1   4 16 13 35
Sub Total 1 4 6   7 28 32 78
Grand Total 6 25 30 1 61 241 187 551
 
City wise Break-up of Islamic Banking Branch Network
(As of September, 30, 2009 )
 
S. No Province Cities No of Branches
1      Sindh Hyderabad 14
2 Karachi City 156
3 Larkana 1
4 Mirpur Khas 2
5 Nawabshah 3
6 Sakrand 1
7 Sanghar 2
8 Sukkur 5
9 Tando Adam 1
10 Tando Allahyar 2
  Sindh Total 187
11 Punjab Arifwala 1
12 Attock 1
13 Bahawalpur 2
14 Chakwal 2
15 Daska 1
16 Dera Ghazi Khan 2
17 Faisalabad 24
18 Gojra 1
19 Gujar Khan 1
20 Gujranwala 9
21 Gujrat 6
22 Hafizabad 2
23 Jaranwala 2
24 Jhang 2
25 Jhelum 2
26 Kamoki 1
27 Kasur 1
28 Khanewal 1
29 Khushab 2
30 Lahore City 95
31 Mandi Bahauddin 1
32 Mian Channu 2
33 Mianwali 1
34 Multan 19
35 Okara 2
36 Pakpattan 1
37 Pindi Ghaib 1
38 Rahim tar Khan 5
39 Rawalpindi 23
40 Sadiqabad 2
41 Sahiwal 3
42 Sargodha 5
43 Sheikhupuar 2
44 Sialkot 11
45 Texila 1
46 Vehari 2
47   Wah Cantt 2
  Punjab Total 241
48 NWFP Abottabad 8
49 Banu 1
50 Batkhela 1
51 Charsadda 1
52 Chitral 1
53 Dera Ghazi Khan 3
54 Hangu 1
55 Haripur 3
56 Kohat 1
57 Mansehra 6
58 Mardan 3
59 Mingora 1
60 Nowshera 3
61 Peshawar 25
62 Sobi 1
63 Tank 1
64 Timergara 1
  NWFP Total 61
65 Northern Ares Gilgit 1
  Northern Ares Total 1
66 Federal Capital Islamabad 30
  Federal Capital Total 30
67 Balochistan Chaman 1
68 Gawadar 1
63 Hub Chowki 1
70 Kuchlack 1
71 Loralai 2
72 Muslim Bagh 1
73 Pishin 1
74 Qilla Saifullah 1
75 Quetta 15
76 Zhob 1
  Balochistan Total   25
77 Azad Kashmir Mirpur AJK 4
78   Muzaffarabad 2
  Azad Kashmir Total 6
  Grand Total 551
 
Islamic Banking Branch Network
(As of September, 30, 2009 )
 

Type

Branch Name

Grand
Total

   

Full Fledge Islamic Banks

Al Baraka Islamic Bank B.S.C

30

BankIslami Pakistan Limited

70

Dawood Islamic Bank Limited

25

Dubai Islamic Bank Pakistan Limited

24

Emirates Global Islamic Bank Limited

42

Meezan Bank Limited

140

Sub Total

331

     

Islamic Branches of Conventional Banks

Askari Bank Limited

22

Bank Al Habib Limited

48

Bank Alfalah Limited

6

Faysal Bank Limited

1

Habib Bank Limited

1

Habib Metropolitan Bank Limited

4

MCB Bank Limited

11

National Bank of Pakistan

8

Soneri Bank Limited

6

Standard Chartered Bank

11

The Bank of Khyber

16

The Royal Bank of Scotland Limited

3

United Bank Limited

5

Sub-Total

142

   

Sub Branches

Al Baraka Islamic Bank B.S.C

2

BankIslami Pakistan Limited

32

Dawood Islamic Bank Limited

6

Dubai Islamic Bank Pakistan Limited

2

Emirates Global Islamic Bank Limited

1

Meezan Bank Limited

35

 

Sub Total

78

 

Grand Total

551

 
Sector wise break up Financing
 
  Amount(Rupees in billions) Number of borrowers
    Jun 09   Sep 09 %
Change
%
Share
  Jun 09   Sep 09 %
Change
%
Share
Corporate Sector 91.9 84.0 -8.7 60.6 2,162 2,014 -6.8 6.0
SMEs 12.5 11.8 -5.1 8.5 2,525 2,497 -1.1 7.4
Agriculture 0.1 0.1 22.1 0.1 132 128 -3 0.4
Consumer Finance 29.9 31.6 5.7 22.8 26,392 26,723 1.3 79.5
Commodity
Financing
  6.2   6.9   12.4   5.0   35   14   -60   0.0
Staff Loans 2.7 2.8 3.5 2.0 2,095 2,223 6.1 6.6
Others 1 1.4 44.3 1.0 17 19 11.8 0.1
Total 144.3 138.7 -3.90% 100.0 33,358 33,618 0.80% 100.0
 
 
 
 
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