Tuesday, July 21 2026

Bank deposit rate falls by 29bps in Jun
The return on bank deposits has decreased by 29 basis points to 4.05% in June 2026 compared to the deposit rate of 4.34% last month, according to the latest official data. On a yearly basis, the weighted average rate paid for deposits by the banking sector has decreased by 872bps compared to the return of 12.77% last year. Meanwhile, the lending rate for all scheduled banks stood at 12.03%, down 15bps compared to May. While it rose 36bps compared to the same month of last year. Accordingly, the banking sector spread increased by 14bps to 799bps in June 2026 compared to a spread of 784bps last month. After adjusting for inflation, the real deposit rate remained in negative territory at minus 2.99% in June, deteriorating from minus 2.06% in May and minus 1.14% recorded a year earlier.
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Bank deposits surge 15% in May
he total deposits held by scheduled banks have moved up by 15.07% YoY to Rs37.64 trillion in May 2026 compared to Rs32.72tr in May 2025. According to the numbers based on the weekly Statement for May 29, 2026 by SBP, Banks' deposits have edged lower by -0.62% MoM, compared to Rs37.88tr in April 2026. Total advances increased by 13.04% to Rs14.72tr compared to Rs13.02tr from a year ago. On a monthly basis, advances increased by 0.37% from their value of Rs14.67tr in April 2026. Advances to Deposit Ratio (ADR) stood at 39.11% showing a decrease of 70 bps on a yearly basis, while showing an increase of 39 bps on a monthly basis.
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Monday, July 20 2026

HBL wins ‘Pakistan’s Best Bank 2026’ award by Euromoney
Euromoney Awards for Excellence 2026 has awarded HBL the accolade of ‘Pakistan’s Best Bank’. The Bank has also won ‘Pakistan’s Best Retail Bank’, ‘Pakistan’s Best Bank for Sustainable Finance’, ‘Pakistan’s Best for Capital Markets Advisory’, and ‘Pakistan’s Best Investment Bank for M&A’. Euromoney is a global English-language publication focused on business and finance. These awards are the most prestigious recognition in the banking industry, globally. The Euromoney citation acknowledges that “Habib Bank Limited (HBL) is recognized as Pakistan’s best bank for 2026, reflecting its market leadership, scale and consistent delivery across retail, corporate, investment and private banking segments, underpinned by strong financial performance and nationwide reach.” The citation went on to note, “The bank played a pivotal role in national development, advising on Pakistan’s inaugural panda bond and supporting major infrastructure projects.”
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Friday, July 17 2026

CFA Society Pakistan launches analyst guide for banking sector
CFA Society Pakistan has launched the first edition of the "Analyst Guide: Banking Sector", a comprehensive publication aimed at strengthening practical knowledge of Pakistan's banking industry for investment professionals, researchers, students, regulators, and financial journalists. Authored by Asif Ali Qureshi, CFA, the guide provides a structured framework for analyzing banking companies, financial statements, macroeconomic trends, valuation methodologies, and regulatory requirements to support informed investment decisions. According to the publication, Pakistan's banking sector remains the country's largest in terms of assets, profitability, and stock market representation while serving as the backbone of the monetary policy transmission mechanism and credit creation process. The guide notes that the health of the banking industry is therefore critical not only for investors but also for the broader economy.
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Monday, July 13 2026

GHTA Programme: Meezan Bank achieves Rs2bn in disbursements
Meezan Bank has achieved Rs 2 billion disbursements under the Government of Pakistan’s flagship affordable housing initiative, Wazir-e-Azam Apna Ghar Programme-Ghar Ho Tu Apna (GHTA). The Bank has also recorded its highest-ever monthly housing finance disbursements of PKR 1.3 billion, reflecting the strong and growing demand for its Shariah-compliant home financing solutions and reaffirming its leadership in Pakistan’s housing finance sector. With a view to promote affordable housing finance, the Government of Pakistan has introduced a Markup Subsidy and Risk Sharing Scheme namely ‘Mera Ghar -Mera Ashiana’.
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