Islamic Banking & Finance Updates

AlHuda CIBE

Asset and Financing of Islamic Banking in Pakistan

Table 1: Industry Progress and market share

Rupees in billion & industry share in percent

	Sep 09*	Jun 09*	Dec. 08	Dec. 07	Dec.06	Dec.05	Dec.04	Dec.03
Total Assets	323	313	276	206	119	72	44	13
*Share in industry*	5.3	5.1	4.9	4.0	2.8	2.0	1.5	0.5
Deposits	245	238	202	147	84	50	30	8
*Share in industry*	5.5	5.2	4.8	3.8	2.6	1.8	1.3	0.4
Net Financing & Investment	198	194	186	138	73	48	30	10
*Share in industry*	4.2	4.2	4.3	3.5	2.3	1.7	1.3	0.5
Total Islamic Banking Institutions	19	18	18	18	16	11	11	4
Total No. of Branches	551	528	515	289	150	70	48	17

Islamic Financing Mix in Pakistan.

Rupees in billion

Jun 09 Sep 09 % Change

Murabaha	58.0	50.6	-12.8
Ijarah	26.2	29.8	13.5
Musharaka	3.7	3.6	-2.8
Mudaraba	0.9	0.5	-48.1
Diminishing Musharaka	45.3	38.0	-15.0
Salam	2.9	1.7	-41.7
Istisna	4.8	6.1	26.2
Others	2.3	7.9	242.4
Total	144.3	138.7	-3.9
Amount of Non Performing Financing	7.3	8.9	23.3
Provision Non Performing Financing	4	4.9	24.6
Net Non Performing Fin.	3.3	4	21.7
Net Financing	140.3	133.7	-4.7

Province wise Break-up of Islamic Banking Branch Network
(As of September,30, 2009)

Branch Name	Azad Kashmir	Baluchistan		Fedral Capital	Northern Areas	NWFP	Punjab	Sind	Grand Total
Al Baraka Islamic Bank B.S.C	1			3		3	15	8	30
BankIslami Pakistan Limited	1	8		2	1	5	30	23	70
Dawood Islamic Bank Limited				1		1	8	15	25
Dubai Islamic Bank Pakistan Limited		1		2		1	12	8	24
Emirates Global Islamic Bank Limited		1		2		6	20	13	42
Meezan Bank Limited	1	4		7		13	66	49	140
Sub Total	3		14	17	1	29	151	116	331
Islamic Banking Division
Askari Bank Limited		1		1		4	11	5	22
Bank Al Habib Limited		1				1	2	2	6
Bank Alfalah Limited		1		3		3	29	12	48
Faysal Bank Limited								1	1
Habib Bank Limited								1	1
Habib Metropolitan Bank Limited							1	3	4
MCB Bank Limited		1		1		1	5	3	11
National Bank of Pakistan	2					1	3	2	8
Soneri Bank Limited		1		1		1	1	2	6
Standard Chartered Bank		1		1		3	3	3	11
The Bank of Khyber		1				10	3	2	16
The Royal Bank of Scotland Limited							1	2	3
United Bank Limited						1	3	1	5
Sub-Total	2	7		7		25	62	39	142
Sub- Branches
Al Baraka Islamic Bank B.S.C				1				1	2
BankIslami Pakistan Limited	1	3		3		2	9	14	32
Dawood Islamic Bank Limited							3	3	6
Dubai Islamic Bank Pakistan Limited						1		1	2
Emirates Global Islamic Bank Limited				1					1
Meezan Bank Limited		1		1		4	16	13	35
Sub Total	1		4	6		7	28	32	78
Grand Total	6		25	30	1	61	241	187	551

City wise Break-up of Islamic Banking Branch Network
(As of September, 30, 2009 )

S. No	Province	Cities	No of Branches
1	Sindh	Hyderabad	14
2		Karachi City	156
3		Larkana	1
4		Mirpur Khas	2
5		Nawabshah	3
6		Sakrand	1
7		Sanghar	2
8		Sukkur	5
9		Tando Adam	1
10		Tando Allahyar	2
	Sindh Total		187
11	Punjab	Arifwala	1
12		Attock	1
13		Bahawalpur	2
14		Chakwal	2
15		Daska	1
16		Dera Ghazi Khan	2
17		Faisalabad	24
18		Gojra	1
19		Gujar Khan	1
20		Gujranwala	9
21		Gujrat	6
22		Hafizabad	2
23		Jaranwala	2
24		Jhang	2
25		Jhelum	2
26		Kamoki	1
27		Kasur	1
28		Khanewal	1
29		Khushab	2
30		Lahore City	95
31		Mandi Bahauddin	1
32		Mian Channu	2
33		Mianwali	1
34		Multan	19
35		Okara	2
36		Pakpattan	1
37		Pindi Ghaib	1
38		Rahim tar Khan	5
39		Rawalpindi	23
40		Sadiqabad	2
41		Sahiwal	3
42		Sargodha	5
43		Sheikhupuar	2
44		Sialkot	11
45		Texila	1
46		Vehari	2
47		Wah Cantt	2
	Punjab Total		241
48	NWFP	Abottabad	8
49		Banu	1
50		Batkhela	1
51		Charsadda	1
52		Chitral	1
53		Dera Ghazi Khan	3
54		Hangu	1
55		Haripur	3
56		Kohat	1
57		Mansehra	6
58		Mardan	3
59		Mingora	1
60		Nowshera	3
61		Peshawar	25
62		Sobi	1
63		Tank	1
64		Timergara	1
	NWFP Total		61
65	Northern Ares	Gilgit	1
	Northern Ares Total		1
66	Federal Capital	Islamabad	30
	Federal Capital Total		30
67	Balochistan	Chaman	1
68		Gawadar	1
63		Hub Chowki	1
70		Kuchlack	1
71		Loralai	2
72		Muslim Bagh	1
73		Pishin	1
74		Qilla Saifullah	1
75		Quetta	15
76		Zhob	1
	Balochistan Total		25
77	Azad Kashmir	Mirpur AJK	4
78		Muzaffarabad	2
	Azad Kashmir Total		6
	Grand Total		551

Islamic Banking Branch Network
(As of September, 30, 2009 )

Type	Branch Name	Grand Total
Full Fledge Islamic Banks	Al Baraka Islamic Bank B.S.C	30
	BankIslami Pakistan Limited	70
	Dawood Islamic Bank Limited	25
	Dubai Islamic Bank Pakistan Limited	24
	Emirates Global Islamic Bank Limited	42
	Meezan Bank Limited	140
	Sub Total	331
Islamic Branches of Conventional Banks	Askari Bank Limited	22
	Bank Al Habib Limited	48
	Bank Alfalah Limited	6
	Faysal Bank Limited	1
	Habib Bank Limited	1
	Habib Metropolitan Bank Limited	4
	MCB Bank Limited	11
	National Bank of Pakistan	8
	Soneri Bank Limited	6
	Standard Chartered Bank	11
	The Bank of Khyber	16
	The Royal Bank of Scotland Limited	3
	United Bank Limited	5
	Sub-Total	142
Sub Branches	Al Baraka Islamic Bank B.S.C	2
	BankIslami Pakistan Limited	32
	Dawood Islamic Bank Limited	6
	Dubai Islamic Bank Pakistan Limited	2
	Emirates Global Islamic Bank Limited	1
	Meezan Bank Limited	35
	Sub Total	78
	Grand Total	551

Sector wise break up Financing

	Amount(Rupees in billions)					Number of borrowers
		Jun 09	Sep 09	% Change	% Share		Jun 09	Sep 09	% Change	% Share
Corporate Sector		91.9	84.0	-8.7	60.6		2,162	2,014	-6.8	6.0
SMEs		12.5	11.8	-5.1	8.5		2,525	2,497	-1.1	7.4
Agriculture		0.1	0.1	22.1	0.1		132	128	-3	0.4
Consumer Finance		29.9	31.6	5.7	22.8		26,392	26,723	1.3	79.5
Commodity Financing		6.2	6.9	12.4	5.0		35	14	-60	0.0
Staff Loans		2.7	2.8	3.5	2.0		2,095	2,223	6.1	6.6
Others		1	1.4	44.3	1.0		17	19	11.8	0.1
Total		144.3	138.7	-3.90%	100.0		33,358	33,618	0.80%	100.0

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