Pakistan’s banking sector added Rs. 5.4 trillion in customer deposits over the past year, pushing total deposits to a record Rs. 40.9 trillion in June 2026, according to data compiled by Topline Securities.

Total deposits grew 15.2 percent year-on-year from Rs. 35.5 trillion in June 2025, while rising 8.5 percent compared to May 2026.

Banks’ lending also increased during the period, with advances climbing 6.4 percent year-on-year and 3.7 percent month-on-month to Rs. 14.4 trillion.

Meanwhile, banks expanded their investment portfolios to Rs. 42.6 trillion, reflecting a 16.4 percent increase from a year earlier and 6.6 percent growth from the previous month.

Bank borrowings reached Rs. 17.6 trillion in June, up 17.9 percent from the same month last year, although they edged down 1 percent compared with May.

The sector’s Investment-to-Deposit Ratio (IDR) stood at 104.2 percent, down from 106.0 percent in May, while the Advances-to-Deposit Ratio (ADR) declined to 35.2 percent from 36.8 percent a month earlier, indicating that banks continued to channel a larger share of deposits into investments rather than lending.

Topline Securities expects Pakistan’s banking deposits to grow by 10-15 percent during 2026, supported by continued expansion in the country’s financial sector.