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Islamic Banking & Finance Updates

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 )

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

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