banking industry - snapshot (sep12) - … industry structure –asset –liability –equity banking...
TRANSCRIPT
![Page 1: BANKING INDUSTRY - SNAPSHOT (Sep12) - … Industry Structure –Asset –Liability –Equity Banking Industry Components – Gross AdvancesGross Advances –Investment –Deposit Mix](https://reader033.vdocuments.us/reader033/viewer/2022051407/5ae7310c7f8b9a87048eed9d/html5/thumbnails/1.jpg)
Pakistan Banking IndustryPakistan Banking IndustryAn Overview | Sep-2012
![Page 2: BANKING INDUSTRY - SNAPSHOT (Sep12) - … Industry Structure –Asset –Liability –Equity Banking Industry Components – Gross AdvancesGross Advances –Investment –Deposit Mix](https://reader033.vdocuments.us/reader033/viewer/2022051407/5ae7310c7f8b9a87048eed9d/html5/thumbnails/2.jpg)
ContentsR ti U iRating UniverseBanking Industry Structure
Asset–Asset–Liability–Equity–Equity
Banking Industry Components– Gross AdvancesGross Advances–Investment –Deposit Mixp
Interest Rate Trend Asset QualityAsset Quality
![Page 3: BANKING INDUSTRY - SNAPSHOT (Sep12) - … Industry Structure –Asset –Liability –Equity Banking Industry Components – Gross AdvancesGross Advances –Investment –Deposit Mix](https://reader033.vdocuments.us/reader033/viewer/2022051407/5ae7310c7f8b9a87048eed9d/html5/thumbnails/3.jpg)
Rating Universe 30-Jun-11 30-Sep-12
PACRA Clients 17 17
Ratings UniverseBanking Universe[System share based on Total Assets]
30-Sep-12 System Share
PACRA Clients 17 17
JCR Clients 15 14
Total ratings 32 31
D l li 3 3
Public Sector Banks 5 ~19%
Local Private Banks 22 ~80%
Foreign Banks (Branch Operations) 7 ~1%
Total Commercial Banks 34 100%Dual clients 3 3
Total Rated Commercial Banks
29 28a) Conventional Banks 29 95%
b) Islamic Banks 5 5%
Positive Outlook Negative Outlook Source: PACRA & JCR
![Page 4: BANKING INDUSTRY - SNAPSHOT (Sep12) - … Industry Structure –Asset –Liability –Equity Banking Industry Components – Gross AdvancesGross Advances –Investment –Deposit Mix](https://reader033.vdocuments.us/reader033/viewer/2022051407/5ae7310c7f8b9a87048eed9d/html5/thumbnails/4.jpg)
Banks Ratings (As at 30-Sep-12)Size System
SharePACRA JCR
Size System PACRA JCRShare
Large Banks ( Greater than 5% of system share in terms of total assets as on end Sep-12)
1. Habib Bank Limited ~ 15% - AAA
2. National Bank of Pakistan ~ 14% - AAA
Share
Medium Banks ( 2%-5% of system share as on end Sep-12)
1. Standard Chartered Bank ~ 5% AAA -
2. Habib Metropolitan Bank Limited ~4% AA+ -
3. United Bank Limited ~ 10% - AA+
4. MCB Bank Limited ~ 9% AA+ -
5. Bank Alfalah Limited ~ 7% AA -
6.Allied Bank Limited ~ 7% AA+ -
7 Bank Al Habib Limited 5% AA+
3. Bank of Punjab ~ 4% AA- -
4. Askari Bank Limited ~ 4% AA -
5. Faysal Bank Limited ~4% AA AA
6. NIB Bank Limited ~3% AA- -
Total ~22%7. Bank Al-Habib Limited ~5% AA+ -
Total ~66% - -
Total ~22% - -
Size System Share
PACRA JCR
Small Banks (Less than < 2% of system share as on end Sep 12)
Size System Share
PACRA JCR
Small Banks (Less than - <- 2% of system share as on end Sep-12)
1. Soneri Bank Limited ~2% AA- -
2. SUMMIT Bank Limited. ~2% A-
3. KASB Bank Limited ~ 1 % BBB -
4. Bank of Khyber Limited ~1 % A- A
Islamic Banks (System share as on end Sep-12)
1. Meezan Bank Limited ~ 3% - AA-
2. Bank Islami Pakistan Limited <1 % A
3. Al-Baraka Bank (Pakistan) Limited <1 % A A
4 Burj Bank Limited <1 % A5. Silk Bank Limited ~ 1 % - A- (RW)
6. JS Bank Limited <1 % A+ -
7. Samba Bank Limited <1 % - AA-
8. First Women Bank Limited <1 % A- -
4. Burj Bank Limited <1 % - A
5. Dubai Islamic Bank Limited <1 % - A
Total ~5% - -
9. SME Bank Limited <1% - BBB
10. Sindh Bank Limited <1% - AA-
Total ~7% - -
Negative Outlook
Positive Outlook RW Rating Watch
![Page 5: BANKING INDUSTRY - SNAPSHOT (Sep12) - … Industry Structure –Asset –Liability –Equity Banking Industry Components – Gross AdvancesGross Advances –Investment –Deposit Mix](https://reader033.vdocuments.us/reader033/viewer/2022051407/5ae7310c7f8b9a87048eed9d/html5/thumbnails/5.jpg)
Banking Industry as % of Gross Domestic Product
Source: Weekly statement of position of all scheduled banks & Pakistan Economic Survey
![Page 6: BANKING INDUSTRY - SNAPSHOT (Sep12) - … Industry Structure –Asset –Liability –Equity Banking Industry Components – Gross AdvancesGross Advances –Investment –Deposit Mix](https://reader033.vdocuments.us/reader033/viewer/2022051407/5ae7310c7f8b9a87048eed9d/html5/thumbnails/6.jpg)
Asset Structure
Source: Weekly statement of position of all scheduled banks
![Page 7: BANKING INDUSTRY - SNAPSHOT (Sep12) - … Industry Structure –Asset –Liability –Equity Banking Industry Components – Gross AdvancesGross Advances –Investment –Deposit Mix](https://reader033.vdocuments.us/reader033/viewer/2022051407/5ae7310c7f8b9a87048eed9d/html5/thumbnails/7.jpg)
Liability Structure
Source: Weekly statement of position of all scheduled banks
![Page 8: BANKING INDUSTRY - SNAPSHOT (Sep12) - … Industry Structure –Asset –Liability –Equity Banking Industry Components – Gross AdvancesGross Advances –Investment –Deposit Mix](https://reader033.vdocuments.us/reader033/viewer/2022051407/5ae7310c7f8b9a87048eed9d/html5/thumbnails/8.jpg)
Equity Structure
Source: Weekly statement of position of all scheduled banks
![Page 9: BANKING INDUSTRY - SNAPSHOT (Sep12) - … Industry Structure –Asset –Liability –Equity Banking Industry Components – Gross AdvancesGross Advances –Investment –Deposit Mix](https://reader033.vdocuments.us/reader033/viewer/2022051407/5ae7310c7f8b9a87048eed9d/html5/thumbnails/9.jpg)
Segment wise Break-up of Gross Advances
14% 11%14%
12%
12%
10%6%
18%
6%6%7%8%
17%
10%9%
17% 16%
8%
18%15%
18%
14%12%
17%
13%14%
16%
11% 12% 10%
54% 53% 53% 56% 63% 62% 63% 65% 65%
Source: SBP, Quarterly Compendium : Banking Statistics
![Page 10: BANKING INDUSTRY - SNAPSHOT (Sep12) - … Industry Structure –Asset –Liability –Equity Banking Industry Components – Gross AdvancesGross Advances –Investment –Deposit Mix](https://reader033.vdocuments.us/reader033/viewer/2022051407/5ae7310c7f8b9a87048eed9d/html5/thumbnails/10.jpg)
Consumer Financing at end- Sep12
6%
18%
6%
65%
Sep-12
Total Advances: PKR 3,981,252mln
Source: SBP, Quarterly Compendium : Banking Statistics
![Page 11: BANKING INDUSTRY - SNAPSHOT (Sep12) - … Industry Structure –Asset –Liability –Equity Banking Industry Components – Gross AdvancesGross Advances –Investment –Deposit Mix](https://reader033.vdocuments.us/reader033/viewer/2022051407/5ae7310c7f8b9a87048eed9d/html5/thumbnails/11.jpg)
Advances to Deposits Vs Investments to Deposits
Source: Weekly statement of position of all scheduled banks
![Page 12: BANKING INDUSTRY - SNAPSHOT (Sep12) - … Industry Structure –Asset –Liability –Equity Banking Industry Components – Gross AdvancesGross Advances –Investment –Deposit Mix](https://reader033.vdocuments.us/reader033/viewer/2022051407/5ae7310c7f8b9a87048eed9d/html5/thumbnails/12.jpg)
Interest Rate Trend
![Page 13: BANKING INDUSTRY - SNAPSHOT (Sep12) - … Industry Structure –Asset –Liability –Equity Banking Industry Components – Gross AdvancesGross Advances –Investment –Deposit Mix](https://reader033.vdocuments.us/reader033/viewer/2022051407/5ae7310c7f8b9a87048eed9d/html5/thumbnails/13.jpg)
Asset Quality
Source: SBP, Quarterly Compendium : Banking Statistics
![Page 14: BANKING INDUSTRY - SNAPSHOT (Sep12) - … Industry Structure –Asset –Liability –Equity Banking Industry Components – Gross AdvancesGross Advances –Investment –Deposit Mix](https://reader033.vdocuments.us/reader033/viewer/2022051407/5ae7310c7f8b9a87048eed9d/html5/thumbnails/14.jpg)
Provisioning Against Non Performing Loans (NPLs)
Source: Offsite Supervision and Enforcement Department, SBP
![Page 15: BANKING INDUSTRY - SNAPSHOT (Sep12) - … Industry Structure –Asset –Liability –Equity Banking Industry Components – Gross AdvancesGross Advances –Investment –Deposit Mix](https://reader033.vdocuments.us/reader033/viewer/2022051407/5ae7310c7f8b9a87048eed9d/html5/thumbnails/15.jpg)
Asset Quality – A Complete View
Source: SBP, Quarterly Compendium : Banking Statistics
![Page 16: BANKING INDUSTRY - SNAPSHOT (Sep12) - … Industry Structure –Asset –Liability –Equity Banking Industry Components – Gross AdvancesGross Advances –Investment –Deposit Mix](https://reader033.vdocuments.us/reader033/viewer/2022051407/5ae7310c7f8b9a87048eed9d/html5/thumbnails/16.jpg)
Segment-wise break up of NPLs
Advances: 10: PKR 3,714, 312mln, 11: PKR 3,746, 149mln, Sep12 PKR 3,981,253mln
Source: SBP, Quarterly Compendium : Banking Statistics
![Page 17: BANKING INDUSTRY - SNAPSHOT (Sep12) - … Industry Structure –Asset –Liability –Equity Banking Industry Components – Gross AdvancesGross Advances –Investment –Deposit Mix](https://reader033.vdocuments.us/reader033/viewer/2022051407/5ae7310c7f8b9a87048eed9d/html5/thumbnails/17.jpg)
Sector-wise break up of NPLs
Source: SBP, Quarterly Compendium : Banking Statistics
![Page 18: BANKING INDUSTRY - SNAPSHOT (Sep12) - … Industry Structure –Asset –Liability –Equity Banking Industry Components – Gross AdvancesGross Advances –Investment –Deposit Mix](https://reader033.vdocuments.us/reader033/viewer/2022051407/5ae7310c7f8b9a87048eed9d/html5/thumbnails/18.jpg)
Analysts Aisha Yasin+92 42 3586 9504+92 42 3586 [email protected]
DISCLAIMERDISCLAIMERPACRA has used due care in preparation of this document. Our information has been obtained from sourceswe consider to be reliable but its accuracy or completeness is not guaranteed. The information in thisdocument may be copied or otherwise reproduced, in whole or in part, provided the source is dulyacknowledged. The presentation should not be relied upon as professional advice.