Bank deposits clock in at Rs36tr in Feb

April 10, 2026 (MLN): Pakistan’s banking sector painted a strong annual picture in February, as deposits surged by 20.1% year-on-year to Rs36.58 trillion, even though they inched down by 0.2% on a monthly basis, according to data released by the central bank.

Total advances maintained steady momentum, rising 1.8% month-on-month to Rs14.54tr, while posting a 4.1% increase compared to Rs13.97tr in the same month last year.

With deposits showing relatively weaker momentum against stronger credit uptake, the Advances to Deposits Ratio (ADR) climbed to 39.8%, up 77 basis points on a monthly basis.

However, on a yearly comparison, ADR declined by 612bps.

On the investment side, banks continued to expand their portfolios, with total investments increasing 0.8% month-on-month to Rs39.14tr. On an annual basis, investments recorded a notable rise of 25.4%.

Consequently, the Investment to Deposit Ratio (IDR) edged up by 110bps to 107.0% compared to last month, while registering a significant increase of 452bps on a yearly basis.

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