2.

1 Liquidity Position of Scheduled Banks in Pakistan

All Banks**
(Million Rupees)
Liquid Liabilities in Pakistan Liquid Assets Maintained in Pakistan
END
Unen-
OF
Cash Balance cumbered
PERIOD
Demand Time in Balance with agents Approved
Liabilities Liabilities TOTAL hand with S.B.P. of S.B.P. Gold Securities*

1999 Jun. 465,330 647,921 1,113,251 17,427 63,510 7,803 9 330,639

Dec. 500,086 603,079 1,103,165 24,540 78,872 7,590 4 260,525

2000 Jun. 522,721 648,694 1,171,415 21,236 101,717 11,483 1 224,925

Dec. 513,739 663,752 1,177,491 23,733 78,664 7,921 - 217,498

2001 Jun. 565,653 691,683 1,257,336 23,232 90,094 9,021 1 229,742

Dec. 589,911 726,420 1,316,331 24,672 102,101 8,611 1 245,597

2002 Jun. 649,931 793,887 1,443,819 29,329 76,799 10,314 -- 394,455

Dec. 713,429 839,446 1,552,875 28,433 91,914 4,257 -- 539,459

2003 Jun. 810,812 889,173 1,699,985 30,926 155,472 5,987 -- 574,986

Dec. 917,242 906,630 1,823,872 33,682 122,610 3,661 -- 532,752

2004 Jun. 958,869 965,782 1,924,652 33,908 162,595 4,689 -- 484,641

Dec. 1,062,884 995,135 2,058,019 39,440 126,506 4,186 -- 408,263

2005 Jun. 1,131,465 1,138,439 2,269,904 42,461 120,668 5,621 -- 529,035

Dec. 1,289,884 1,244,768 2,534,652 50,145 146,530 15,173 -- 515,681

2006 Jun. 1,281,332 1,421,594 2,702,926 55,454 159,210 7,529 -- 567,416

Dec. 2,314,909 693,303 3,008,212 61,755 215,476 16,473 -- 567,984

2007 Jun. 2,837,195 566,181 3,403,376 76,609 253,059 24,369 -- 821,057

Dec. 3,009,848 476,569 3,486,417 85,334 223,426 11,605 -- 812,343

2008 Jun. 3,163,881 610,127 3,774,008 75,314 304,179 17,121 -- 761,174

Dec. 3,100,733 647,571 3,748,304 92,704 183,106 13,033 -- 738,076

* * Excluding Indian Banks..

* Valued at a price not exceeding current market price.

8
 2.1 Liquidity Position of Scheduled Banks in Pakistan
All Banks**
(Million Rupees)
Liquid Assets Maintained in Pakistan Minimum of Excess of Assets
END Foreign Banks Deposits with S.B.P. under Section Assets required being held over the
OF 13(3) of the Banking Companies Ordinance
13(3) to be held under minimum required
PERIOD Unencumbered Share Section 29 of under Section 29 of
Approved Foreign Capital the Banking Compa- the Banking Compa-
Cash Securities* Currency M F B# TOTAL anies Ordinance anies Ordinance

1999 Jun 4,121 605 15,385 -- 439,499 183,686 255,813

Dec. 4,616 605 13,626 -- 390,378 220,633 169,745

2000 Jun 4,615 830 15,767 -- 380,574 234,283 146,291

Dec. 60 830 19,822 545 349,073 235,498 113,575

2001 Jun 60 827 21,122 1,245 375,344 251,467 123,877

Dec. 8 927 21,620 1,705 405,242 263,266 141,976

2002 Jun 60 827 21,046 1,705 534,535 288,764 245,771

Dec. 60 828 19,976 1,705 686,632 310,575 376,057

2003 Jun 60 936 19,828 1,705 789,900 339,997 449,903

Dec. 560 327 18,799 1,705 714,096 364,774 349,322

2004 Jun 190 3,601 10,341 1,705 701,670 382,784 318,886

Dec. 60 129 14,280 1,705 594,569 408,376 186,193

2005 Jun 60 4,239 15,919 1,675 719,678 450,694 268,984

Dec. 156 4,020 17,660 1,705 751,070 503,471 247,599

2006 Jun 156 4,014 19,172 1,705 814,656 537,716 276,940

Dec. 156 3,981 13,524 1,685 881,034 719,116 161,918

2007 Jun - 727 13,397 1,655 1,190,873 821,095 369,778

Dec. - - 10,867 1,658 1,145,233 828,870 316,363

2008 Jun - - 12,651 1,658 1,172,097 990,894 181,203

Dec. - 5,018 18,512 1,658 1,052,107 735,487 316,620

** Excluding Indian Banks.

# Micro Finance Bank

9
 2.2 Liquidity Position of Scheduled Banks in Pakistan
Pakistani Banks
(Million Rupees)
Liquid Liabilities in Pakistan Liquid Assets Maintained in Pakistan
END
OF
PERIOD Demand Time Balance with Balance with
Liabilities Liabilities TOTAL Cash in hand S.B.P. agents of S.B.P Gold

1999 Jun. 410,398 510,277 920,675 15,292 41,623 7,740 9

Dec. 450,856 497,038 947,894 21,077 60,958 7,576 4

2000 Jun. 466,976 530,081 997,057 19,414 73,714 11,479 1

Dec. 459,576 537,960 997,536 21,466 64,338 7,626 --

2001 Jun. 505,466 558,124 1,063,590 20,842 65,061 9,021 1

Dec. 521,654 582,235 1,103,889 21,969 79,825 8,533 1

2002 Jun. 580,434 675,436 1,255,871 26,236 64,362 10,270 --

Dec. 648,097 729,668 1,377,765 25,691 81,307 4,148 --

2003 Jun. 732,446 785,078 1,517,524 27,956 143,421 5,983 --

Dec. 830,270 797,120 1,627,390 30,380 110,638 3,657 --

2004 Jun. 884,414 866,396 1,750,810 30,593 148,299 4,579 --

Dec. 986,759 879,420 1,866,179 35,601 110,253 4,185 --

2005 Jun. 1,049,301 1,014,468 2,063,769 38,526 110,022 5,619 --

Dec. 1,186,970 1,111,621 2,298,591 45,957 130,693 15,134 --

2006 Jun. 1,167,997 1,272,409 2,440,406 51,192 145,023 7,518 --

Dec. 2,217,640 649,471 2,867,111 59,443 207,359 16,467 --

2007 Jun. 2,723,832 520,515 3,244,347 73,892 241,332 24,361 --

Dec. 2,850,236 439,230 3,289,466 81,132 212,425 11,427 --

2008 Jun. 3,069,676 577,332 3,647,008 72,668 294,029 16,980 --

Dec. 3,010,145 611,461 3,621,606 89,691 170,729 12,982 --

10
 2.2 Liquidity Position of Scheduled Banks in Pakistan
Pakistani Banks
( Million Rupees )
Liquid Assets Maintained in Pakistan Minimum of Assets Excess of Assets
Foreign Banks Deposits with S.B.P under Section required to be held being held over the
END 13(3) of the Banking Companies Ordinance under Section 29 minimum required
OF Unencumbered Unencumbered Foreign Share of the Banking under Section 29
PERIOD
Approved Approved Companies of the Banking
#
Securities* Cash Securities* Currency Capital MFB TOTAL Ordinance Company Ordinance

1999 Jun. 287,623 -- -- -- -- 352,287 151,911 200,376

Dec. 241,050 -- -- -- -- 330,665 189,579 141,086

2000 Jun. 206,735 -- -- -- -- 311,343 199,411 111,932

Dec. 174,524 -- -- -- 445 268,399 199,507 68,892

2001 Jun. 196,188 -- -- -- 1,145 292,258 212,718 79,540

Dec. 211,589 -- 3 -- 1,605 323,525 220,778 102,747

2002 Jun. 360,898 -- -- -- 1,605 463,371 251,174 212,198

Dec. 495,434 -- -- -- 1,605 608,185 275,553 332,632

2003 Jun. 529,928 -- -- -- 1,605 708,893 303,505 405,388

Dec. 480,567 -- -- -- 1,605 626,847 325,478 301,369

2004 Jun. 438,290 -- -- -- 1,605 623,366 348,016 275,350

Dec. 374,768 -- -- -- 1,605 526,412 370,008 156,404

2005 Jun. 478,352 -- -- -- 1,575 634,094 409,467 224,627

Dec. 463,829 -- -- -- 1,605 657,218 452,608 204,610

2006 Jun. 516,658 -- -- -- 1,605 721,996 485,212 236,784

Dec. 544,667 -- 3,981 -- 1,685 833,602 685,594 148,008

2007 Jun. 792,776 -- -- -- 1,655 1,134,016 783,164 350,852

Dec. 760,994 -- -- -- 1,643 1,067,621 782,246 285,375

2008 Jun. 734,830 -- -- -21,115 1,658 1,120,165 958,285 161,880

Dec. 718,355 -- -- -- 1,658 993,415 713,746 279,669

* Valued at a price not exceeding current market price.

# Micro Finance Bank

11
 2.3 Liquidity Position of Scheduled Banks in Pakistan
Pakistani Banks excluding Specialised Banks**
( Million Rupees )
Liquid Liabilities in Pakistan Liquid Assets Maintained in Pakistan
END
OF
PERIOD Demand Time Balance with Balance with
Liabilities Liabilities TOTAL Cash in hand S.B.P. Agent of S.B.P Gold

1999 Jun. 404,618 496,097 900,715 15,187 40,914 7,414 --

Dec. 440,779 484,761 925,540 20,934 59,765 7,147 --

2000 Jun. 455,827 515,234 971,061 19,231 72,196 10,054 --

Dec. 453,510 523,212 976,722 21,297 63,120 6,573 --

2001 Jun. 495,788 543,383 1,039,171 20,526 63,415 8,584 1

Dec. 511,711 566,711 1,078,422 21,800 78,842 8,318 1

2002 Jun. 567,863 659,835 1,227,699 26,046 62,833 9,098 --

Dec. 637,139 726,384 1,363,523 25,552 79,931 4,000 --

2003 Jun. 726,006 769,784 1,495,790 27,781 141,894 4,647 --

Dec. 825,849 781,799 1,607,648 30,222 109,026 3,335 --

2004 Jun. 878,398 852,178 1,730,576 30,459 147,396 4,296 --

Dec. 978,934 864,996 1,843,930 35,422 109,204 3,858 --

2005 Jun. 1,039,570 1,001,608 2,041,178 38,375 109,123 5,299 --

Dec. 1,176,689 1,097,010 2,273,699 45,747 129,526 14,743 --

2006 Jun. 1,156,588 1,258,029 2,414,617 51,008 143,744 7,243 --

Dec. 2,201,240 636,947 2,838,187 59,131 205,663 16,003 --

2007 Jun. 2,705,473 508,104 3,213,577 73576 239,456 23,679 --

Dec. 2,831,607 428,484 3,260,091 80,899 210,621 11,060 --

2008 Jun. 3,046,925 566,013 3,612,938 72,427 291,434 16,475 --

Dec. 2,986,341 600,674 3,587,015 89,430 169,250 12,788 --

** Specialized Bank viz . Zarai Taraqiati Bank Ltd. (Ex. ADBP) , Industrial Development Bank of Pakistan , Federal Bank for
Co-operatives (liquidated w.e.f 31-10-2002), Punjab Provincial Co-operatives Bank and SME Bank.

12
 2.3 Liquidity Position of Scheduled Banks in Pakistan
Pakistani Banks excluding Specialised Banks**
( Million Rupees )
Liquid Assets Maintained in Pakistan Minimum of Assets Excess of Assets
Foreign Banks Deposits with S.B.P under Section Required to be held being held over the
END
13(3) of the Banking Companies Ordinance Under Section 29 minimum required
OF
Unencumbered Unencumbered of the under Section 29 of
PERIOD
Approved Approved Foreign Share Banking Companies Banking the
Companies
Securities* Cash Securities* Currency Capital MFB# TOTAL Ordinance Ordinance

1999 Jun. 283,676 -- -- -- -- 347,191 148,618 198,573

Dec. 237,638 -- -- -- -- 325,484 185,108 140,376

2000 Jun. 202,970 -- -- -- -- 304,452 194,212 110,239

Dec. 171,780 -- -- -- 445 263,215 195,344 67,871

2001 Jun. 193,784 -- -- -- 1,145 287,455 207,834 79,621

Dec. 209,593 -- 3 -- 1,605 320,162 215,684 104,478

2002 Jun. 356,281 -- -- -- 1,605 455,863 245,540 210,323

Dec. 490,487 -- -- -- 1,605 601,575 272,705 328,870

2003 Jun. 525,598 -- -- -- 1,605 701,525 299,158 402,367

Dec. 477,196 -- -- -- 1,605 621,384 321,530 299,854

2004 Jun. 435,696 -- -- -- 1,605 619,452 345,241 274,211

Dec. 373,222 -- -- -- 1,605 523,311 367,397 155,914

2005 Jun. 474,106 -- -- -- 1,575 628,478 406,589 221,889

Dec. 455,430 -- -- -- 1,605 647,051 452,608 194,443

2006 Jun. 506,624 -- -- -- 1,605 710,224 481,230 228,994

Dec. 540,191 -- 3,981 -- 1,685 826,654 679,977 146,677

2007 Jun. 787,621 -- -- -- 1,655 1,125,987 777,034 348,953

Dec. 755,975 -- -- -- 1,643 1,060,198 776,417 283,781

2008 Jun. 725,403 -- -- 2,115 1,658 1,110,678 950,525 160,153

Dec. 713,499 -- -- -- 1,658 986,625 707,881 278,744

* Valued at a price not exceeding current market price.

** Specialized Bank viz . Zarai Taraqiati Bank Ltd. (Ex. ADBP) , Industrial Development Bank of Pakistan , Federal Bank for
Co-operatives (liquidated w.e.f 31-10-2002), Punjab Provincial Co-operatives Bank and SME Bank.
# Microfinance Banks

13
 2.4 Liquidity Position of Scheduled Banks in Pakistan
Foreign Banks**
( Million Rupees )
Liquid Liabilities in Pakistan Liquid Assets Maintained in Pakistan
END
Balance
OF
Cash Balance with Unencumbered
PERIOD
Demand Time in with agents Approved
Liabilities Liabilities TOTAL hand S.B.P. of SBP Gold Securities*

1999 Jun. 54,932 137,644 192,576 2,135 21,887 63 -- 43,016

Dec. 49,230 106,041 155,271 3,463 17,914 14 -- 19,475

2000 Jun. 55,745 118,613 174,358 1,822 27,003 4 -- 18,190

Dec. 54,163 125,792 179,955 2,267 14,326 295 -- 42,974

2001 Jun. 60,187 133,559 193,746 2,390 25,033 -- -- 33,554

Dec. 68,257 144,185 212,442 2,703 22,276 78 -- 34,008

2002 Jun. 69,497 118,451 187,948 3,093 12,437 44 -- 33,557

Dec. 65,332 109,778 175,110 2,742 10,607 109 -- 44,025

2003 Jun. 78,366 104,095 182,461 2,970 12,051 4 -- 45,058

Dec. 86,972 109,510 196,482 3,302 11,972 4 -- 52,185

2004 Jun. 74,455 99,387 173,842 3,315 14,296 110 -- 46,432

Dec. 76,125 115,715 191,840 3,839 16,253 1 -- 33,495

2005 Jun. 82,164 123,971 206,135 3,935 10,646 2 -- 50,683

Dec. 102,914 133,147 236,061 4,188 15,837 39 -- 51,852

2006 Jun. 113,335 149,185 262,520 4,262 14,187 11 -- 50,758

Dec. 97,269 43,832 141,101 2,312 8,117 6 -- 23,317

2007 Jun. 113,363 45,666 159,029 2,717 11,727 8 -- 28,281

Dec. 159,612 37,339 196,951 4,202 11,001 178 -- 51,349

2008 Jun. 94,205 32,795 127,000 2,646 10,150 141 -- 26,344

Dec. 90,588 36,110 126,698 3,013 12,377 51 -- 19,721

14
 2.4 Liquidity Position of Scheduled Banks in Pakistan
Foreign Banks**
( Million Rupees )
Liquid Assets Maintained in Pakistan Minimum of Assets Excess of Assets
Foreign Banks Deposits with S.B.P. under Section 13(3) required to be held being held over the
END
of the Banking Companies Ordinance under Section 29 minimum required
OF Unencumbered of the under Section 29 of
PERIOD
Approved Foreign Banking Companies the Banking Companies
Cash Securities* Currency MFB TOTAL Ordinance Ordinance

1999 Jun. 4,121 605 15,385 -- 87,212 31,775 55,437

Dec. 4,616 605 13,626 -- 59,713 31,054 28,659

2000 Jun. 4,615 830 15,767 -- 68,231 34,872 33,359

Dec. 60 830 19,822 100 80,674 35,991 44,683

2001 Jun. 60 827 21,122 100 83,086 38,749 44,337

Dec. 8 924 21,620 100 81,717 42,488 39,229

2002 Jun. 60 827 21,046 100 71,164 37,590 33,574

Dec. 60 828 19,976 100 78,447 35,022 43,425

2003 Jun. 60 936 19,828 100 81,007 36,492 44,515

Dec. 560 327 18,799 100 87,249 39,296 47,953

2004 Jun. 190 3,601 10,341 100 78,385 34,768 43,617

Dec. 60 129 14,280 100 68,157 38,368 29,789

2005 Jun. 60 4,239 15,919 100 85,584 41,227 44,357

Dec. 156 4,020 17,660 100 93,852 47,212 46,640

2006 Jun. 156 4,014 19,172 100 92,660 52,504 40,156

Dec. 156 -- 13,524 -- 47,432 33,522 13,910

2007 Jun. -- 727 13,397 -- 56,857 37,931 18,926

Dec. -- -- 10,867 15 77,612 46,624 30,988

2008 Jun. -- -- 12,651 -- 51,932 32,609 19,323

Dec. -- 5,018 18,512 -- 58,692 21,741 36,951

** Excluding Indian Banks.

* Valued at a price not exceeding current market price.

15