Building a Robust Financial Sector (Facts and Figures).

 
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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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