Pakistan Banking Sector Advance-to-Deposit Ratio Hits 38% as Private Lending Surges
Pakistan’s banking sector ADR rose to 38% by November 2025, supported by Rs1.5 trillion in private sector credit. PBA cites fiscal borrowing and high cash economy as key constraints on further lending growth.
Pakistan’s banking sector ADR drops to 38 percent as cautious lending continues
Pakistan’s banking sector advance-to-deposit ratio fell to 38 percent in June 2025, reflecting continued cautious lending to private businesses, even as deposits grew and banks remained heavily invested in government debt instruments.