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4.19 Weighted Average Rates of Return on Deposits

(Percent per annum)

Fixed Deposits

6 months 1 year 2 years 3 years 4 years

Period

Current

Deposits

Call

Deposits

Other

Deposit

Accounts

Saving

Deposits

Less than

6 months

&over

but less

than 1 year

& overbut less

than 2

years

& overbut less

than 3

years

& overbut less

than 4

years

& overbut less

than 5

years

5 years

& over

Total

Deposits

19821 Jun. 0.04 5.82 4.00 7.60 9.61 9.84 10.34 11.06 12.02 12.31 12.37 6.05

Dec. 0.02 6.31 4.60 7.62 9.30 9.88 10.60 10.97 11.95 12.22 12.46 6.48

1983 Jun. 0.02 6.26 4.51 7.64 9.19 9.91 10.49 10.76 11.84 12.39 12.44 6.24

Dec. 0.01 6.25 4.31 7.62 9.36 9.94 10.52 10.73 11.72 12.42 12.43 6.18

1984 Jun. 5.51 4.69 7.61 9.29 9.93 10.53 11.10 11.79 12.54 12.47 6.39

Dec. 0.03 6.05 4.27 7.62 8.64 9.80 10.48 10.87 11.75 12.25 12.43 6.18

1985 Jun. 5.40 3.79 7.63 8.79 9.69 10.38 10.95 11.58 12.40 12.41 5.76

Dec. 4.96 3.32 7.64 7.88 9.26 10.22 11.06 11.66 12.36 12.24 9.16

1986 Jun. 4.44 3.90 7.61 7.89 9.04 9.41 10.53 11.38 11.91 12.03 8.80

Dec. 5.16 3.10 6.99 8.03 9.16 7.98 10.98 11.61 12.26 12.35 8.14

1987 Jun. 4.96 2.53 6.98 7.69 7.38 8.39 10.10 11.72 11.98 12.20 7.87

Dec. 5.11 3.04 6.93 7.82 8.49 8.12 11.19 11.82 12.44 12.30 8.05

1988 Jun. 3.19 2.65 7.30 7.24 8.24 8.11 10.58 11.31 10.50 12.08 7.67

Dec. 2.99 2.50 6.92 6.87 7.82 7.70 10.04 10.74 9.97 11.46 7.28

1989 Jun. 3.73 2.63 7.16 9.78 9.40 7.29 8.13 10.12 11.75 12.25 7.95

Dec. 3.53 2.95 8.17 8.11 9.23 9.09 11.86 12.68 11.78 13.54 8.59

1990 Jun. 2.31 4.21 7.45 8.59 10.65 8.38 8.92 8.21 12.59 11.52 8.23

Dec. 4.37 3.65 10.13 10.06 11.63 11.28 14.69 15.74 14.63 16.80 10.66

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Handbook of Statistics on Pakistan Economy

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4.19Weighted Average Rates of Return on Deposits

PLS & Interest BearingAll Banks(Percent per annum)

Type of Deposit 1991 1992 1993 1994 1995 1996Jun. Dec. Jun. Dec. Jun. Dec. Jun. Dec. Jun. Dec.

1. Call Deposits 4.60 5.23 5.04 5.56 5.86 5.45 4.75 5.64 6.10 7.00

(1.64) (1.70) (1.76) (1.82) (1.68) (2.23) (2.53) (2.79) (1.97) (2.43)

2. Saving Deposits 6.00 7.42 7.14 7.31 7.31 7.37 7.30 7.26 7.33 7.43

(55.10) (57.25) (56.79) (56.51) (55.77) (54.81) (53.69) (52.50) (52.76) (51.61)

3. Term or Fixed Deposits

(a) Less than 3 months 5.91 5.88 5.61 6.67 6.76 7.00 6.69 7.08 7.28 7.39

(9.06) (9.62) (8.97) (8.89) (8.07) (8.54) (8.08) (8.33) (7.63) (7.28)

(b) 3 months and over but

less than 6 months 7.48 6.94 6.37 6.64 6.67 7.16 7.35 7.19 6.75 7.03

(8.22) (7.65) (8.29) (7.75) (8.00) (7.70) (8.61) (10.10) (9.31) (10.15)

(c) 6 months and over but

less than 1 year 8.84 8.99 8.80 7.82 8.10 8.38 8.72 8.42 7.66 7.88

(3.93) (3.74) (3.75) (4.39) (4.81) (4.94) (6.01) (5.89) (5.81) (5.97)

(d) 1 year and over but

less than 2 years 7.79 7.52 7.26 7.36 7.59 9.16 8.01 8.53 8.17 7.90

(7.57) (7.18) (7.49) (6.64) (7.28) (7.53) (7.59) (7.10) (8.41) (8.21)

(e) 2 years and over but

less than 3 years 9.35 10.19 10.22 11.34 9.51 10.86 10.91 11.06 10.84 10.95

(3.80) (2.24) (1.84) (1.56) (2.48) (2.29) (1.56) (1.73) (1.63) (1.83)

(f) 3 years and over but

less than 4 years 10.51 11.99 11.90 11.57 11.40 11.71 11.77 12.27 12.11 12.29

(2.54) (3.28) (3.16) (3.91) (3.22) (3.41) (3.02) (3.08 ) (3.15) (3.00)

(g) 4 years and over but

less than 5 years 11.27 13.44 13.09 13.68 13.68 12.68 13.22 12.84 13.59 13.64

(1.91) (0.65) (0.70) (0.91) (1.10) (1.23) (0.91) (0.83) (0.87) (0.91)

(h) 5 years and over 12.46 14.02 13.75 14.84 14.36 14.70 14.73 14.64 14.90 14.96

(6.22) (6.69) (7.25) (7.62) (7.59) (7.32) (8.01) (7.68) (8.46) (8.60)

4. Overall

(i) Excluding current &

other deposits 7.59 7.96 7.70 8.11 8.04 8.31 8.18 8.18 8.24 8.36

(ii) Including current &

other deposits 6.00 6.38 6.09 6.40 6.17 6.37 6.25 6.35 6.42 6.62

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1997 1998 1999 2000 2001

Type of Deposit Jun. Dec. Jun. Dec. Jun. Dec. Jun. Dec. Jun. Dec.

1. Call Deposits 6.23 6.02 6.46 6.29 6.00 5.47 5.34 4.92 5.19 5.14

(1.57) (2.73) (1.61) (1.61) (2.37) (2.05) (1.87) (1.70) (1.87) (2.56)

2.

Saving Deposits 7.36 7.32 7.42 7.36 6.90 6.25 5.75 5.56 5.71 4.55

(53.61) (54.17) (56.20) (56.07) (57.87) (58.47) (63.13) (62.42) (64.17) (65.08)


(a) Less than 3 months 7.93 7.59 7.02 7.93 7.28 6.95 6.62 6.96 7.06 5.56

(6.84) (5.43) (6.94) (7.97) (5.91) (6.31) (6.65) (7.92) (7.80) (7.36)

(b) 3 months and over

but less than 6 months 7.25 7.18 7.27 7.34 7.29 7.19 7.17 7.37 7.37 6.99

(9.01) (8.80) (8.34) (7.66) (6.79) (7.01) (5.15) (4.40) (4.62) (4.36)

(c) 6 months and over

but less than 1 year 7.78 8.63 8.50 9.15 8.80 8.73 7.37 7.55 8.12 7.44

(5.65) (5.54) (4.86) (4.50) (4.08) (3.78) (4.08) (4.37) (3.31) (3.15)


less than 2 years 8.30 8.65 8.79 9.03 9.37 8.45 7.76 8.24 8.19 8.26

(7.35) (7.33) (6.60) (5.88) (5.71) (5.60) (4.42) (3.91) (3.76) (4.36)


less than 3 years 10.38 10.62 10.12 10.55 9.92 9.33 9.01 7.79 7.99 8.65(1.83) (2.07) (2.03) (2.38) (1.69) (1.58) (1.70) (2.28) (2.17) (1.55)


less than 4 years 12.41 12.32 12.14 11.79 10.06 9.28 8.73 8.94 8.35 8.98

(3.16) (2.90) (3.09) (2.66) (3.57) (2.99) (2.77) (2.64) (2.71) (2.06)


less than 5 years 13.08 13.35 13.12 12.08 12.30 11.01 9.49 9.27 9.12 9.11

(1.34) (1.57) (1.68) (2.01) (1.88) (1.64) (1.52) (1.40) (1.11) (1.05)

(h) 5 years and over 14.90 14.80 14.02 13.80 12.31 11.21 10.35 10.03 9.99 9.43

(9.64) (9.46) (8.65) (9.26) (10.13) (10.58) (8.71) (8.96) (8.48) (8.48)

4. Overall

(i) Excluding current &

other deposits 8.49 8.47 8.38 8.45 7.96 7.30 6.62 6.52 6.58 5.62


other deposits 6.80 6.38 6.81 6.69 6.49 5.83 5.47 5.39 5.27 4.33

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2002 2003 2004

Type of Deposit Jun. Dec. Jun. Dec. Jun. Dec.

1. Call Deposits 4.84 3.28 2.13 1.23 1.12 1.33

(2.11) (1.98) (1.73) (2.25) (2.71) (1.93)

2. Saving Deposits 3.49 3.48 1.69 1.33 0.98 0.93

(67.60) (69.10) (73.93) (77.19) (75.18) (75.06)


(a) Less than 3 months 4.92 4.07 1.84 0.99 1.15 1.93

(6.33) (5.54) (4.91) (4.65) (3.28) (5.72)


but less than 6 months 6.26 4.93 2.16 1.97 1.51 1.93

(4.16) (3.21) (2.66) (2.18) (4.56) (4.26)


but less than 1 year 6.65 5.53 2.95 2.44 2.20 2.63

(2.96) (3.32) (2.95) (2.46) (3.24) (3.24)


less than 2 years 7.19 5.89 3.10 2.64 2.71 2.73

(3.93) (4.24) (3.37) (2.79) (3.57) (3.24)


less than 3 years 7.61 6.61 3.45 2.87 2.80 2.87

(1.50) (1.48) (1.08) (1.41) (1.13) (0.75)


less than 4 years 8.15 7.23 3.84 3.10 3.01 3.24

(2.05) (2.06) (2.27) (1.40) (1.58) (1.55)


less than 5 years 8.46 7.31 4.36 2.78 2.98 3.06

(1.42) (1.32) (1.47) (0.91) (0.19) (0.20)

4. (h) 5 years and over 8.65 7.66 4.69 3.43 3.23 3.57

(7.94) (7.75) (5.63) (4.75) (4.56) (4.05)

Overall

(i) Excluding current &other deposits 4.60 4.22 2.08 1.55 1.28 1.32


other deposits 3.61 3.35 1.61 1.13 0.95 0.95

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2005 2006 2007

Type of Deposit Jun. Dec. Jun. Dec. Jun.

1. Call Deposits 1.39 1.34 1.45 1.68 1.73

(2.18) (1.75) (1.87) (1.40) (1.62)

2. Saving Deposits 1.24 1.66 1.67 1.92 2.07

(71.74) (63.45) (64.93) (57.22) (58.40)


(a) Less than 3 months 2.98 3.62 4.24 4.32 4.30

(6.47) (11.91) (8.72) (9.33) (8.04)


but less than 6 months 3.62 3.27 4.49 5.56 5.10

(6.50) (6.98) (7.56) (9.90) (9.51)


but less than 1 year 4.21 4.78 4.64 5.88 5.93

(4.21) (5.46) (5.01) (6.50) (7.16)


less than 2 years 4.28 5.75 5.26 5.95 6.75

(3.39) (5.18) (6.11) (7.41) (8.29)


less than 3 years3.99 5.27 5.44 5.67 6.46

(0.68) (0.63) (0.77) (0.93) (0.91)


less than 4 years 4.02 5.51 5.16 7.14 7.17

(1.14) (0.99) (1.30) (2.05) (2.05)


less than 5 years 3.84 6.19 4.90 7.08 7.01

(0.23) (0.24) (0.22) (0.22) (0.20)

4. (h) 5 years and over 3.98 4.96 5.57 6.01 6.30

(3.47) (3.42) (3.51) (5.05) (3.79)

Overall

(i) Excluding current &other deposits 1.89 2.57 2.69 3.42 3.51


other deposits 1.37 1.86 1.96 2.53 2.6

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1. Weighted average rates pertain to other than PLS Deposits.

2. Figures in parentheses represent as percentage of total deposits excluding current and other deposits.

PLS: Profit and Loss Sharing



TYPE OF DEPOSITS

2007 2008 2009 2010

Dec. Jun. Dec. Jun. Dec. Jun.

I. Call Deposits 1.62 3.89 6.45 5.73 6.05 5.84

(1.45) (1.17) (1.39) (1.48) (1.27) (1.33)

II

Saving Deposits 2.07 4.93 4.99 5.08 4.95 5.02

(57.00) (55.82) (51.12) (53.75) (52.69) (54.68)

II

Term or Fixed Deposits

(a) Less than 3 months 4.64 4.88 5.26 5.57 4.56 4.83

(11.11) (12.75) (14.69) (11.41) (11.15) (10.69)


but less than 6 months 5.14 5.77 6.76 6.49 6.57 6.87

(8.07) (6.63) (6.98) (7.44) (9.42) (8.21)


but less than 1 year 5.87 6.99 7.64 7.57 7.05 7.21

(6.83) (6.77) (7.75) (6.14) (5.15) (4.81)


less than 2 years 6.85 7.33 8.38 8.52 8.18 8.25

(8.95) (9.03) (11.06) (12.60) (13.89) (14.25)


less than 3 years 6.55 6.34 8.41 9.34 8.49 8.71

(0.87) (1.16) (0.92) (1.22) (0.84) (0.75)


less than 4 years 6.70 8.60 8.53 9.56 9.12 9.67

(1.92) (2.55) (2.11) (1.72) (1.74) (1.58)


less than 5 years 7.11 7.33 8.51 6.08 7.92 9.05

(0.31) (0.68) (0.25) (0.77) (0.28) (0.24)

(h) 5 years and over 7.16 8.67 9.05 9.06 8.92 8.90

(3.49) (3.44) (3.72) (3.46) (3.56) (3.45)

Overall

(i) Excluding current

and other deposits 3.61 5.58 6.02 6.11 5.88 5.97

(ii) Including current

and other deposits 2.66 4.13 4.38 4.44 4.29 4.29

chap-4.19

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