Building a Robust Financial Sector (Facts and Figures).
Byline: S. Kamal Hayder Kazmi
Financial Soundness Indicators Of MFBS (%)
Details###18-Sep###18-Dec###19-Mar###19-Jun###19-Sep
Capital
Total Capital to Total RWA###20.1###22.6###21.1###19.6###18.7
Tier 1 Capital to Total RWA###17.7###20.2###18.7###17.4###16.5
Capital to Total Assets###14.7###15.5###15.5###13.7###13.4
Asset Quality
NPLs to Total Loans###2.7###2.4###3.2###4.3###4.6
Provision to NPLs###95.9###92.1###84.9###70.5###69.6
Net NPLs to Net Loans###0.1###0.2###0.5###1.3###1.4
Net NPLs to Capital###0.5###0.7###2###5.5###6.3
Earnings
ROA before Tax###3###2.9###1.2###0.4###-0.2
ROA after Tax###1.8###1.7###0.3###-0.4###-0.9
ROE before Tax###21.9###20.7###7.9###2.8###-1.7
ROE after Tax###13.5###11.9###2###-2.5###-6.6
Net Interest Income to Gross Income###71.4###71.3###74.5###73.8###74.2
Net Interest Margin (NIM)###15.3###15.1###14.9###14###14.7
Cost / Income Ratio###74.6###75.1###80.3###82.9###83.1
Admin Expenses to Total Assets###13.1###13.1###13.2###12.9###13.4
Operational Self Sufficiency (OSS)###89.9###89.5###86.2###82.8###81.5
Cost per Borrower (PKR)###11,822###11,850###13,382###12,749.10###12,883.10
Liquidity
Liquid Assets/Total Assets###20###23.5###22###26###21.7
Liquid Assets/Total Deposits###27###32.4###30.2###36.5###31.1
Liquid Assets/Short term Liabilities###31.4###37###35.3###40.9###36.3
Advances/Deposits###83###77.7###82.8###80.2###84.4
Payable)###25###29.5###28.3###33.5###28.5
Loan Portfolio Breakdown A Volume (Rs in million)
Details###18-Dec###19-Mar###19-Jun###19-Sep
Solidarity groups###53,536###52,991###52,079###47,917
Urban###8,736###9,543###10,195###8,512
Rural###44,800###43,448###41,884###39,404
Individual lending###136,005###148,023###155,020###161,480
Urban###53,831###56,887###56,506###57,902
Rural###82,174###91,136###98,514###103,577
Total Loans###189,540###201,014###207,098###209,396
Urban###62,567###66,429###66,700###66,414
Rural###126,974###134,584###140,398###142,982
Solidarity groups###1,367,828 1,336,182 925,820###1,179,448
Urban###296,959###308,665###249,205###261,167
Rural###1,070,869 1,027,517 676,615###918,281
Individual lending###1,801,957 2,031,544 2,566,558 2,418,612
Urban###785,785###903,007###1,057,070 1,174,020
Rural###1,016,172 1,128,537 1,509,488 1,244,592
Total No. of Clients###3,169,785 3,367,726 3,492,378 3,598,060
Urban###1,082,744 1,211,672 1,306,275 1,435,187
Rural###2,087,041 2,156,054 2,186,103 2,162,873
Male###2,268,033 2,443,803 2,562,532 2,679,888
Female###901,752###923,923###929,846###91...
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