Pakistan’s scheduled banks recorded a year-on-year increase in total deposits during August 2026, with deposits reaching Rs39.24 trillion compared with Rs34.46 trillion in August 2025. According to data released by the State Bank of Pakistan (SBP), the latest figure represents an increase of 13.87% over the same month a year earlier, highlighting continued growth in deposits held across the country’s scheduled banking sector. On a monthly basis, deposits also moved higher, rising 0.49% from Rs39.05 trillion recorded in July 2026.
The increase in deposits comes alongside growth in bank advances during the period. Total advances of scheduled banks reached Rs14.52 trillion in August 2026, compared with Rs13.19 trillion in the corresponding month of the previous year. This represents a year-on-year increase of 10.03%. On a month-on-month basis, advances increased by 0.36% from Rs14.46 trillion in July 2026, indicating a modest rise in lending activity during the month.
The movement in deposits and advances was also reflected in the sector’s Advances to Deposit Ratio (ADR). The ADR stood at 36.99% in August 2026, according to the available banking sector data. The ratio declined by 129 basis points compared with August 2025, while it also recorded a smaller decline of 5 basis points compared with July 2026. The ADR provides an indication of the level of bank advances in relation to deposits, with the latest figure showing that advances represented 36.99% of deposits during the month.
Scheduled banks also recorded growth in their total investments during August. Total investments stood at Rs41.18 trillion, compared with Rs36.3 trillion a year earlier and Rs40.83 trillion in July 2026. The figures represent a year-on-year increase of 13.45% and a month-on-month increase of 0.87%. The rise places total banking sector investments above the level recorded both in the corresponding month of 2025 and the preceding month.
The Investment to Deposit Ratio (IDR) stood at 104.95% in August 2026. The ratio declined by 39 basis points compared with August 2025, while it increased by 40 basis points from the previous month. The movement in the IDR reflects changes in the relationship between banks’ investment holdings and the deposits maintained with them during the period. Despite the year-on-year decline in the ratio, the monthly increase indicates a higher investment-to-deposit ratio compared with July.
Overall, the August figures show increases across deposits, advances and investments held by scheduled banks compared with the same period last year. Deposits recorded the largest year-on-year growth at 13.87%, reaching Rs39.24 trillion, while advances increased 10.03% to Rs14.52 trillion and total investments rose 13.45% to Rs41.18 trillion. The corresponding movements in ADR and IDR provide additional indicators of how banks’ deposits, lending and investment positions changed during August 2026.
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