Pakistan’s banking sector recorded a 13.9% year-on-year (YoY) increase in deposits to Rs. 39.05 trillion in July 2026, according to data compiled by the State Bank of Pakistan (SBP) and Topline Research.
The latest figures show that banks attracted an average of approximately Rs. 13 billion in deposits per day during the month. However, total deposits declined 4.5% month-on-month (MoM) from Rs. 40.89 trillion in June.
Bank advances rose 9.7% YoY to Rs. 13.56 trillion in July, compared with Rs. 12.36 trillion during the same month last year.
On a monthly basis, however, advances declined 5.7% from Rs. 14.38 trillion in June, indicating weaker credit deployment during July.
Bank investments also increased on an annual basis, reaching Rs. 40.83 trillion, up 12.8% from Rs. 36.19 trillion in July 2025. Monthly investments declined 4.1% from Rs. 42.58 trillion in June.
Bank borrowings stood at Rs. 16.54 trillion in July, increasing 6.2% YoY from Rs. 15.58 trillion a year earlier.
However, borrowings fell 6.1% MoM from Rs. 17.61 trillion recorded in June.
The monthly declines in deposits, advances, investments, and borrowings came despite continued annual growth across the major banking sector indicators.
The banking sector’s Advance Deposit Ratio (ADR) stood at 34.7% in July, down from 35.2% in June and 36.1% in July 2025.
The ADR measures the proportion of bank deposits deployed as loans and indicates the level of credit utilization within the banking system.
Meanwhile, the Investment Deposit Ratio (IDR) increased slightly to 104.6% in July from 104.2% in June. However, it remained below the 105.6% recorded in July 2025.
Overall, deposits remained the largest component of the banking sector’s balance sheet in July, standing at Rs. 39.05 trillion, compared with Rs. 13.56 trillion in advances and Rs. 40.83 trillion in investments.
