Pakistan’s banking sector deposits rose 13.9 percent year on year to Rs 39.24 trillion in August 2026. They grew 0.5 percent from Rs 39.05 trillion in July. Advances reached Rs 13.61 trillion, up 10.7 percent from a year ago. Investments stood at Rs 41.19 trillion, up 13.4 percent. The advance-to-deposit ratio (ADR) stayed at 34.7 percent, according to Topline Securities.
August 2026 Banking Numbers
| Item | August 2026 | Year on year | Month on month |
|---|---|---|---|
| Deposits | Rs39.24 trillion | Up 13.9% | Up 0.5% (July: Rs39.05 trillion) |
| Advances | Rs13.61 trillion | Up 10.7% | Up 0.4% (July: Rs13.56 trillion) |
| Investments | Rs41.19 trillion | Up 13.4% (Aug 2025: Rs36.30 trillion) | Up 0.9% (July: Rs40.83 trillion) |
| ADR | 34.7% | 35.7% in Aug 2025 | Unchanged from July |
| Investment-to-deposit ratio (IDR) | 104.9% | – | 104.6% in July |
Deposits Edge Up After a Fall in July
Deposits rose by about Rs 190 billion in August. That follows a 4.5 percent drop in July. In June, deposits had reached Rs 40.886 trillion, according to State Bank of Pakistan data reported by The News. August deposits remain about Rs 1.6 trillion below that level.
Loans Grow Slower Than Deposits
Deposits grew faster than advances over the year. The gap was 13.9 percent against 10.7 percent. The ADR shows how much of deposits banks lend out. It fell to 34.7 percent from 35.7 percent a year earlier.
Investments also grew faster than advances, at 13.4 percent. The IDR was 104.9 percent. This means banks held more in investments than they hold in deposits.
Month on month, investments and borrowings grew faster than deposits and advances.
