Legend:Green = above industry avg for that metric & periodRed = below industry avgCAGR = period-dependent (click 5Y/10Y/15Y/Full tabs) · Growth Leverage = Dep CAGR − Branch CAGR · Mix Drift = CA CAGR − Dep CAGR · Branch Return = NMI/Br ÷ OPEX/Br · FY25 Latest metrics coloured vs median peer — not mean, to avoid outlier distortion
CAGR & Performance Summary — All 20 Banks
CAGR · Quality · FY25 Latest — click any column header to sort
#
Bank
CAGR
Quality
FY25 Latest
Dep CAGR
CA Dep CAGR
NMI CAGR
Branch CAGR
Growth Leverage
Mix Drift
Branch Return
Branches
CA%
SA%
ROE
C/I
Dep/ Branch
CA/ Branch
NMI/ Branch
OPEX/ Branch
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Industry FY25
37.3T
PKR · +25.2% YoY
19-Period CAGR
—
FY06→FY25 (20 fiscal years)
—
Fastest growing bank
—
Slowest growing bank
Industry Total Deposits (PKR T) + YoY Growth
Per-Bank Trend (PKR B)
Bank
Deposit CAGR — All Banks
Green = above industry CAGR · Red = below · Click headers to sort
20 banks
#
Bank
CAGR
Period
Periods
Start (B)
End (B)
Multiple
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Ind Avg CA% FY25
—
Simple avg all banks
Highest CA% FY25
—
—
Lowest CA% FY25
—
—
FY06→FY25 Shift
—
Industry avg pp change
Per Bank CA% vs Industry Average
Per Bank CA% vs Industry Average
CA% Ranked (select year)
Year
Industry CA Deposits (PKR T) + Growth
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Ind Avg SA% FY25
—
Simple avg all banks
Highest SA% FY25
—
—
Lowest SA% FY25
—
—
FY06→FY25 Shift
—
Industry avg pp change
Saving Account % vs Industry Average
Saving Account % vs Industry Average
SA% Ranked (select year)
Year
CA% + SA% Industry Average Trend
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Ind Avg NIM (1QFY26)
4.4%
Quarterly · Excl Silkbank
Highest
7.2%
StanChart · 1QFY26
Lowest
2.6%
Samba · 1QFY26
Peak Avg
6.9%
4QFY23 · Rate hike top
NIM Rankings — Latest (1QFY26) · Click headers to sort
#
Bank
Latest
vs Avg
4Q Avg
Peak
Quarter
Trend
Latest NIM Ranked
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Select up to 5 banks. Toggle Industry Avg and Policy Rate independently.
Banks (max 5)
Overlays:
Industry Avg NIM
Policy Rate
NIM Annual Trend — FY06 to FY25
Left axis = NIM % · Right axis = Policy Rate % · Annual averages from your NIM file
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Ind System CAGR (Full)
15.4%
FY06→FY25
Highest CAGR (Full)
32.3%
Meezan · FY06→FY25
Lowest CAGR (Full)
8.8%
StanChart · FY10→FY25
Values in
PKR B
Billions
Net Markup Income CAGR — All Banks
Green = above industry avg · Red = below · Click headers to sort
#
Bank
CAGR
Period
Periods
Start (M)
End (M)
Multiple
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Commission Income / Deposits % — proxy for trade finance & FX franchise. FY20 dip = COVID import/export collapse.
Per Bank Non-Interest Income to Deposit Ratio vs Industry Average
Per Bank Non-Interest Income to Deposit Ratio vs Industry Average
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Ind Avg Dep/Branch FY25
—
PKR M per branch
Ind Avg CA/Branch FY25
—
PKR M per branch
Ind Avg NMI/Branch FY25
—
PKR M per branch
Ind Avg OPEX/Branch FY25
—
PKR M per branch
Banks (max 5)
Industry Average
Branch Count · Industry Median — (FY25)
Branch Count FY25 — Ranked
Deposits per Branch (PKR M)
CA Deposits per Branch (PKR M)
NMI per Branch (PKR M)
OPEX per Branch (PKR M)
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Ind Avg ROE FY25
—
Simple avg all banks
Highest ROE FY25
—
—
Lowest ROE FY25
—
—
FY06→FY25 Shift
—
pp change in ind avg
Per Bank ROE % vs Industry Average
Per Bank ROE % vs Industry Average
ROE Ranked
Year
Industry Average ROE % — FY06 to FY25
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Ind Avg C/I FY25
—
Simple avg all banks
Highest C/I FY25
—
—
Lowest C/I FY25
—
—
FY06→FY25 Shift
—
pp change in ind avg
Per Bank C/I % vs Industry Average
Per Bank C/I % vs Industry Average
C/I Ranked
Year
Industry Average C/I % — FY06 to FY25
Metric Glossary — what each column measures
CAGR
Dep CAGR
Deposit growth rate — how fast the bank collects deposits
CA Dep CAGR
Current Account deposit growth — cheap, zero-cost funding scaling
NMI CAGR
Net Markup Income growth — lending & investment profit before provisions
Branch CAGR
Branch network growth — expansion speed
Latest Mix
Branches
Branch count at period-end — scale & physical reach
CA%
Current Account % of deposits — zero-cost funding, higher = cheaper funding
SA%
Savings Account % of deposits — low-cost funding, compliments CA%
ROE
Return on Equity — profit ÷ shareholder equity; FY25 latest
C/I
Cost to Income — operating cost ÷ income; lower = leaner operations; FY25 latest
Quality
Growth Leverage
Dep CAGR − Branch CAGR — positive = deepening (more deposits per branch)
Mix Drift
CA Dep CAGR − Dep CAGR — positive = funding mix getting cheaper
Branch Return
NMI/Br ÷ OPEX/Br — markup income per rupee of branch cost
Per Branch
Dep/Br
Total deposits per branch — branch-level deposit productivity
CA/Br
Current Account deposits per branch — CA franchise strength per branch
NMI/Br
Net Markup Income per branch — profit generation per outlet
OPEX/Br
Operating expense per branch — cost efficiency per outlet
Reading the colours:Green = above industry avg/median for that metric & period ·
Red = below industry avg/median ·
C/I, OPEX/Br use inverted colouring (lower is better) ·
Quality metrics: higher = better across all three ·
Per-Branch metrics coloured vs median peer, not mean, to avoid outlier distortion ·
CAGR rates = percentage per year ·
CA%, SA% = period-end year value; Branches = latest count for that period's end year
Disclaimer: The data presented here is sourced from SBP publications and public filings. While every effort is made to ensure accuracy, InvestKaar makes no guarantees regarding completeness or timeliness. This dashboard is for informational and analytical purposes only — it does not constitute investment advice, a recommendation, or a solicitation. Please verify all figures independently before making any investment decisions. Past performance is not indicative of future results.