Bank deposits decrease 2% to Rs36.7tr in Jan

February 13, 2026 (MLN): Scheduled banks in Pakistan saw their total deposits decline slightly in January, falling 2.1% month-on-month to Rs36.66 trillion, down from Rs37.43 trillion in December, according to the latest data release.

However, the picture remains bright on a yearly basis, with deposits climbing 18.2% compared to January 2025, when banks held Rs31 trillion.

Meanwhile, total advances by banks retreated by 4% month-on-month to Rs14.29 trillion, and are 3% lower than a year ago, when advances stood at Rs14.73 trillion.

This decline was reflected in the Advances-to-Deposit Ratio (ADR), which slipped to 39%, down 77 basis points from December and 852 basis points from January 2025.

On the flip side, banks’ investments are on the rise. Total investments grew 2.4% month-on-month to Rs38.82 trillion and surged 29.3% year-on-year.

The Investment-to-Deposit Ratio (IDR) rose to 105.9%, up 463bps from last month and 907bps compared to January 2025, highlighting a shift towards higher deployment of funds in investment instruments.

Overall, while deposit growth slowed in January, banks are increasingly channelling funds into investments, signalling cautious optimism amid changing liquidity dynamics.

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