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.
SBP’s Q3 FY25 Report Highlights Major Growth in Digital Payments and E-Commerce Transactions
The State Bank of Pakistan’s third quarterly review for FY25 highlights a robust increase in digital payment adoption, driven by mobile banking, e-commerce, and QR transactions, with digital platforms handling 89% of all retail payments.
Digital Payments Hit Record High in Q3 FY25 as SBP Reports Surge in Mobile and E-Commerce Transactions
SBP’s Q3 FY25 report highlights robust growth in Pakistan’s digital payments sector, with mobile banking, wallets, and e-commerce transactions rising significantly and digital platforms covering 89% of all retail payments.
Digital Payments Dominate Retail Transactions in Pakistan, Hitting 89% Share in Q3 FY25
In Q3 FY25, digital payments accounted for 89% of Pakistan’s retail transactions by volume, with mobile banking, e-wallets, and Raast leading the shift toward a cashless economy, according to SBP’s latest report.