Pakistan Banking Perspective 2025: Resilience, Transformation, and the Road Ahead
KPMG’s Pakistan Banking Perspective 2025 report highlights sector resilience, digital banking expansion, and the transition toward a fully Islamic banking system by 2028 amid global and domestic challenges.
Deutsche Bank Appoints Syed Ali Haider Zaidi as New Chief Country Officer for Pakistan
Deutsche Bank has appointed Syed Ali Haider Zaidi as its new Chief Country Officer in Pakistan, succeeding Kamran Zaidi, to lead operations, strengthen stakeholder ties, and align with regional strategy.
SBP Sets Special Cash Reserve Account Remuneration Rate at 3.27% for September 2025
The State Bank of Pakistan has fixed the Special Cash Reserve Account remuneration rate at 3.27% for September 2025, applicable to deposits raised under FE-Circular 25 of 1998.
SBP Names National Bank, UBL, and HBL as Domestic Systemically Important Banks for 2025
The State Bank of Pakistan has designated three major banks as Domestic Systemically Important Banks for 2025, introducing enhanced capital requirements to strengthen resilience and stability in Pakistan’s banking sector.
Bank AL Habib reports 9% decline in half-year earnings amid margin pressure
Bank AL Habib Limited (BAHL) posted a profit after tax of Rs19.79 billion for H1 2025, marking an 8.66% decline. Earnings fell on lower net interest income, while fee and forex income provided support.
NIBAF Concludes Islamic Banking Certificate Course (IBCC-71 – Module 3) at Lahore Campus
NIBAF Pakistan successfully completed Module 3 of the Islamic Banking Certificate Course (IBCC-71) at its Lahore campus, training 30 commercial bank officers under the guidance of Mufti Rafay Usmani, with a final assessment on August 23, 2025.
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.
Bank of Khyber Delivers 117% Profit Growth in H1 2025 Driven by Income Expansion and Credit Reversals
Bank of Khyber posted a 117% profit surge in H1 2025 with Rs 3.37 billion net income, driven by strong income growth, improved asset quality, and credit loss reversals, making it a standout performer in Pakistan’s banking sector.
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.
BankIslami Sees Profit Drop by 37% in Half-Year FY25 as Expenses Surge
BankIslami Pakistan Limited’s profit after tax fell 37% in the half year ended June 30, 2025, to Rs4.41 billion due to rising expenses and lower income. While fee, dividend, and securities income grew strongly, surging operating costs weighed heavily on overall profitability.