averaged to 0.9 per cent over the period 1994-2004. and Habib made the highest provisioning while MCB, SBM and Delphis had relatively lower provisions for loan losses. The upshot of the analysis is that the banking sector developments indicate symptoms of lopsided growth and banking sector concentration. Profitability, total assets and deposits of banks have expanded but varied across banks. Selected Banking Sector Indicators¹ (per cent) Assets¹ Deposits¹ Profit Interest Loans¹ Provision before Income¹ for Loan Tax¹ Income¹ Losses³ Local Banks: MCB 1994 44.2 44.1 32.1 36.3 46.1 45.5 0.83 2000 45.6 43.9 38.2 45.6 44.8 50.2 0.82 1994-20042 44.5 41.28 40.85 45.23 44.4 49.5 0.82 SBM 1994 29.7 29.8 31.3 32.0 21.7 28.7 0.76 2004 26.0 25.6 39.9 26.8 35.7 29.0 0.45 1994-20042 29.7 29.1 35.4 30.8 31.8 27.0 0.58 IOIB 1994 2.2 2.2 4.1 3.1 1.7 2.1 1.16 200 2.5 2.7 1.5 2.9 1.0 2.1 1.07 2.5 2.5 2.3 3.0 1.5 2.4 1.02 Foreign Banks: HSBC 1994 7.4 7.3 13.5 8.2 9.3 8.1 0.05 2004 10.0 10.9 10.8 9.9 10.7 6.7 0.63 8.8 9.1 9.6 8.7 10.4 8.3 1.22 Barclays 1994 6.6 6.7 6.7 7.7 10.5 5.8 2.22 2000 6.1 6.6 4.5 6.0 7.0 6.2 1.56 6.1 6.3 5.3 6.2 8.4 5.5 1.89
averaged to 0.9 per cent over the period 1994-2004. and Habib made the highest provisioning while MCB, SBM and Delphis had relatively lower provisions for loan losses. The upshot of the analysis is that the banking sector developments indicate symptoms of lopsided growth and banking sector concentration. Profitability, total assets and deposits of banks have expanded but varied across banks. Selected Banking Sector Indicators¹ (per cent) Assets¹ Deposits¹ Profit before Tax¹ Interest Income¹ Income¹ Loans¹ Provision for Loan Losses³ Local Banks: MCB 1994 44.2 44.1 32.1 36.3 46.1 45.5 0.83 2000 45.6 43.9 38.2 45.6 44.8 50.2 0.82 1994-20042 44.5 41.28 40.85 45.23 44.4 49.5 0.82 SBM 1994 29.7 29.8 31.3 32.0 21.7 28.7 0.76 2004 26.0 25.6 39.9 26.8 35.7 29.0 0.45 1994-20042 29.7 29.1 35.4 30.8 31.8 27.0 0.58 IOIB 1994 2.2 2.2 4.1 3.1 1.7 2.1 1.16 200 2.5 2.7 1.5 2.9 1.0 2.1 1.07 2.5 2.5 2.3 3.0 1.5 2.4 1.02 Foreign Banks: HSBC 1994 7.4 7.3 13.5 8.2 9.3 8.1 0.05 2004 10.0 10.9 10.8 9.9 10.7 6.7 0.63 8.8 9.1 9.6 8.7 10.4 8.3 1.22 Barclays 1994 6.6 6.7 6.7 7.7 10.5 5.8 2.22 2000 6.1 6.6 4.5 6.0 7.0 6.2 1.56 6.1 6.3 5.3 6.2 8.4 5.5 1.89
AES%20paper%20final.docx