This report has been prepared by KPMG Taseer Hadi & Co. and summarizes the performance of selected commercial banks in Pakistan for the year ended 31 December 2019.

The results and KPIs compared for each bank include:

  • Total Assets
  • Deposits
  • Advances
  • Impairment cover
  • Spread
  • Market Capitalization
  • Profit before and after tax
  • Capital Adequacy Ratio (CAR)
  • Return on Average Equity (ROE)
  • Average Advances to Average Deposits Ratio
  • EPS

Reference should be made to the published financial statements of the banks and KPI definitions included in this report to enhance the understanding of ratios and analysis of performance of a particular bank. 

The financial statements of First Women Bank Limited, Summit Bank Limited, Silk Bank Limited, and MUFG Bank Limited – Karachi Branch were not published till the date of our publication, and accordingly their results are not included in this report.

Comparative numbers of 2018 as reported in our Banking Results 2018 publication have been updated to correspond with comparative numbers reported in 2019 financial statements. 

We have tried to provide relevant financial analysis of the banks which we thought would be useful for benchmarking and

comparison. We welcome any comments, which would facilitate improving the contents of this report. The comments may be sent to