Pakistan Banking Sector ADR Improves to 39.8% in December 2025 on Strong Deposit Growth
Pakistan’s banking sector saw its advance-to-deposit ratio rebound to 39.8% in December 2025 as deposits grew 23.6% year-on-year, while banks continued to favour investments over lending.
Pakistan bank deposits rise to Rs37.4tr in December with advances and investment trends
Total deposits in Pakistan’s scheduled banks rose 5.8% to Rs37.43 trillion in December 2025, while advances increased 10.9% and investments grew 3.2%, according to central bank data.
Scheduled Banks’ Deposits Rise to Rs35.38 Trillion in November Amid Advance Growth
Scheduled banks’ total deposits increased 0.7% to Rs35.38 trillion in November 2025, while total advances rose 1.1%, resulting in a slight increase in the Advances to Deposits Ratio, according to central bank data.
Pakistan’s Scheduled Banks Record Slight Deposit Dip in October as Long-Term Structural Shift Deepens
Pakistan’s scheduled banks saw a marginal decline in deposits to Rs35 trillion in October, reflecting short-term pressures amid a long-term structural shift toward government securities and away from private lending.
Pakistan’s Bank Deposits Surge to Rs35.21 Trillion in September 2025, Reflecting Strong Liquidity Growth
Bank deposits in Pakistan reached Rs35.21 trillion in September 2025, marking a 12.3% year-on-year increase, according to SBP data. Despite rising liquidity, weak private sector credit demand kept the ADR steady while banks continued favoring government securities.
Allied Bank ADR Hits Record Low as Advances Decline and Investments Surge in H1 2025
Allied Bank Limited reported a sharp decline in its Advances-to-Deposit Ratio to below 33% in H1 2025, with investments surging by Rs950 billion. While deposits grew 11%, profitability was pressured by rising costs and lower interest income.