This survey has been prepared by KPMG Taseer Hadi & Co. and summarizes the performance of selected commercial banks in Pakistan for the year ended 31 December 2015.
Banking sector in Pakistan has been divided in four categories for the purpose of this survey to facilitate comparison of peer groups:
“Islamic Banks” have been presented as a separate category and included in their respective category of Medium and Small Banks based on total assets threshold.
Further, summarized financial information of “Islamic Banking Branches of Conventional Banks” has also been presented to have an idea about size of Islamic Banking in Pakistan.
The information contained in this survey has been obtained from the published consolidated financial statements of the banks, statistical bulletins published by State Bank of Pakistan (SBP) and information published in business magazines and newspapers. Where consolidated financial statements were required and were not available, standalone financial statements have been used.
Reference should be made to the published financial statements of the banks and definitions included in this survey to enhance the understanding of ratios and analysis of performance of a particular bank.
The financial statements of Bank of Punjab and Bank Islami Pakistan Limited were not published till the date of our publication, and accordingly not included in this survey.
Comparative figures of 2014 as reported in our Banking Survey 2014 have been updated to correspond with comparative figures reported in 2015 financial statements.
We have tried to provide relevant financial analysis of the banks which we thought would be useful for benchmarking and comparison. However, we welcome any comments, which would facilitate in improving the contents of this survey. The comments may be sent on firstname.lastname@example.org.
The information contained herein is of a general nature and is not intended to address the circumstances of any particular individual or entity. Although we endeavour to provide accurate and timely information, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to be accurate in the future. No one should act on such information without appropriate professional advice after a thorough examination of the particular situation. The KPMG name and logo are registered trademarks or trademarks of KPMG International.