Pakistan Bank Deposit Rates Increase to 5.05% in December 2025, Real Returns Turn Positive
Bank deposit rates in Pakistan rose to 5.05% in December 2025, marking a positive shift in real returns and signaling increased saver confidence, while lending rates eased to 11.32%.
Bank Deposit Rate Declines by 41bps in July as Lending Costs Rise
Pakistan’s bank deposit rate fell by 41bps in July 2025 to 2.98 percent, while lending rates rose to 11.99 percent, widening the banking sector spread to 901bps. The decline leaves real deposit returns in negative territory, highlighting challenges for savers even as banks benefit from stronger profitability margins.