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Banking and Financial Services in Pakistan

Indicators

Key indicators

Domestic credit to the private sector, share of GDP
10.7%
2025 · −0.7 pp vs 2024
Commercial bank branches per 100,000 adults
11.2
2024 · +0.5 vs 2023
Personal remittances received
USD 40.5 bn
2025 · +15.9% vs 2024
Total reserves, including gold
USD 26.5 bn
2025 · +43.7% vs 2024
Exchange rate, period average
PKR 281.1
2025 · +0.9% vs 2024

Source: World Bank, World Development Indicators. Latest year available for each indicator, shown with its figure. The change is measured against the earlier year stated beside it, which is not always the year before. Data refreshed 9 Nov 2026

Regulatory landscape

Authorities and their roles

AuthorityRole
State Bank of Pakistan (SBP)Central bank; regulates banks, microfinance banks, payment systems and foreign exchange.
Securities and Exchange Commission of Pakistan (SECP)Regulates companies, securities markets, non-bank finance companies and insurance.
Pakistan Stock Exchange (PSX)Operates the securities exchange and its listing and trading rules.
Banking Mohtasib PakistanResolves complaints by customers against banks.
Finance DivisionFinancial sector policy and public debt management.

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