Islamic Finance (Facts and Figures).

Byline: S. KAMAL HAYDER KAZMI

Mode Wise Financing (Share in %)

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Mode Wise Financing (Share in %)

Mode 21-Sep 22-Jun 22-Sep

Murabaha 15.9 15.6 15.7

Ijarah 4.8 4.7 4.6

Musharaka 22 22.9 22.9

Diminishing Musharakah 35.1 33.9 35.2

Salam 1.7 2.1 1.4

Istisna 6.9 8 8.4

Others 13.6 12.8 11.8

Total 100 100 100

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Islamic Finance: Profitability Ratios (%)

Overall Banking

Particulars 21-Sep 22-Jun 22-Sep

Industry

Profit before tax (PKR billion) 66.4 73.4 124.5 487

ROA before tax 1.9 2.4 2.6 2

ROE before tax 31.3 42.6 46.4 33

Operating Expense to Gross Income 50.7 46.4 44 49.7

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Islamic Finance : Liquidity Ratios (%)

Overall Banking

Ratios 21-Sep 22-Jun 22-Sep

Industry

Liquid Assets to Total Assets 27 40.4 40.8 57

Liquid Assets to Total Deposits 34.5 56.4 56.1 82.7

Financing to Deposits (Net) 59.3 61 59.4 46.4

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Break Up Of Deposits (Amount in PKR Billion, Growth in %)

Yearly Quarterly

Category 21-Sep 22-Jun 22-Sep

Growth (%) Growth (%)

1. Customers

   Fixed Deposits 642 872 927 44.4 6.3

   Saving Deposits 1,448 1,621 1,688 16.6 4.1

   Current Deposits 1,405 1,892 1,878 33.7 -0.7

   Others 43 72 81 88.4 12.5

   Sub-total 3,538 4,456 4,574 29.3 2.6

2. Financial Institutions

   Remunerative Deposits 272 383 431 58.5 12.5

   Non-remunerative Deposits 12 17 16 33.3 -5.9

   Sub-total 284 400 447 57.4 11.8

   Total (1+2) 3,822 4,856 5,021 31.4 3.4

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   Sector Wise Financing (Share in %)

   Overall

   Sector 21-Sep 22-Jun 22-Sep

   Banking Industry

   Chemical and pharmaceuticals 3.7 4.3 4.6 3.7

   Agribusiness 11.5 13.5 13.6 8.7

   Textile 15.1 15.7 16.4 16.1

   Cement 3.1 2.2 2.7 2.3

   Sugar 1.8 3.5 2.3 2.3

   Shoes and leather garments 0.5 0.4 0.5 0.5

   Automobile and transportation equipment 1.2 1.5 1.5 1.9

   Financial 0.2 0.5 0.4 3

   Insurance 0 0 0 0

   Electronics and electrical appliances 1.1 1.1 1...