{"id":6187,"date":"2026-10-18T15:23:30","date_gmt":"2026-10-18T10:23:30","guid":{"rendered":"https:\/\/spinpk.com\/?p=6187"},"modified":"2026-10-18T15:23:30","modified_gmt":"2026-10-18T10:23:30","slug":"pakistan-bank-deposits-rs40-83-tri","status":"publish","type":"post","link":"https:\/\/spinpk.com\/index.php\/2026\/10\/18\/pakistan-bank-deposits-rs40-83-tri\/","title":{"rendered":"Pakistan Bank Deposits Hit Rs40.83 Trillion: Major Concerns Revealed"},"content":{"rendered":"<div class='booster-block booster-read-block'>\n                <div class=\"twp-read-time\">\n                \t<i class=\"booster-icon twp-clock\"><\/i> <span>Read Time:<\/span>2 Minute, 47 Second                <\/div>\n\n            <\/div><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_88 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/spinpk.com\/index.php\/2026\/10\/18\/pakistan-bank-deposits-rs40-83-tri\/#Pakistan_Bank_Deposits_Hit_Rs4083_Trillion_Major_Concerns_Revealed\" >Pakistan Bank Deposits Hit Rs40.83 Trillion: Major Concerns Revealed<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/spinpk.com\/index.php\/2026\/10\/18\/pakistan-bank-deposits-rs40-83-tri\/#How_Pakistan_Bank_Deposits_Nearly_Doubled\" >How Pakistan Bank Deposits Nearly Doubled<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/spinpk.com\/index.php\/2026\/10\/18\/pakistan-bank-deposits-rs40-83-tri\/#Dr_Gohar_Ejaz_Money_Must_Reach_Businesses_and_Industry\" >Dr Gohar Ejaz: Money Must Reach Businesses and Industry<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/spinpk.com\/index.php\/2026\/10\/18\/pakistan-bank-deposits-rs40-83-tri\/#Why_Deposits_Alone_Do_Not_Guarantee_Private-Sector_Credit\" >Why Deposits Alone Do Not Guarantee Private-Sector Credit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/spinpk.com\/index.php\/2026\/10\/18\/pakistan-bank-deposits-rs40-83-tri\/#Government_Borrowing_and_the_Credit_Squeeze\" >Government Borrowing and the Credit Squeeze<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/spinpk.com\/index.php\/2026\/10\/18\/pakistan-bank-deposits-rs40-83-tri\/#Smaller_Businesses_Feel_the_Pressure\" >Smaller Businesses Feel the Pressure<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/spinpk.com\/index.php\/2026\/10\/18\/pakistan-bank-deposits-rs40-83-tri\/#What_This_Means_for_Pakistans_Economy\" >What This Means for Pakistan\u2019s Economy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/spinpk.com\/index.php\/2026\/10\/18\/pakistan-bank-deposits-rs40-83-tri\/#Conclusion_Why_Pakistan_Bank_Deposits_Matter\" >Conclusion: Why Pakistan Bank Deposits Matter<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"Pakistan_Bank_Deposits_Hit_Rs4083_Trillion_Major_Concerns_Revealed\"><\/span>Pakistan Bank Deposits Hit Rs40.83 Trillion: Major Concerns Revealed<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"ltr\"><strong>ISLAMABAD:<\/strong> Pakistan bank deposits have nearly doubled in four years, reaching Rs40.83 trillion in September 2026, up from Rs21 trillion. The jump shows a massive expansion in the banking system\u2019s deposit base. It also raises an uncomfortable question: is this money flowing into productive economic activity?<\/p>\n<h3 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"How_Pakistan_Bank_Deposits_Nearly_Doubled\"><\/span>How Pakistan Bank Deposits Nearly Doubled<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p dir=\"ltr\">Deposits held by scheduled banks rose by Rs19.83 trillion between September 2022 and September 2026. That is a substantial increase in the funds available within the banking system.<\/p>\n<p dir=\"ltr\">Dr Gohar Ejaz, former minister and chairman of Pakistan Economic Policy and Business Development, shared the figures on Saturday. He used them to renew a debate that economists and business leaders have been having for some time.<\/p>\n<h3 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"Dr_Gohar_Ejaz_Money_Must_Reach_Businesses_and_Industry\"><\/span>Dr Gohar Ejaz: Money Must Reach Businesses and Industry<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p dir=\"ltr\">Dr Ejaz stressed that the money banks mobilise must reach businesses and industry. In his view, sustainable economic growth depends on productive activity, not on lending to the government.<\/p>\n<p dir=\"ltr\">A larger deposit pool is a significant financial resource. It could support industrial expansion, business investment, employment generation and wider economic activity. But that potential only counts if the money is actually put to work in those areas.<\/p>\n<h3 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"Why_Deposits_Alone_Do_Not_Guarantee_Private-Sector_Credit\"><\/span>Why Deposits Alone Do Not Guarantee Private-Sector Credit<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p dir=\"ltr\">Growing deposits do not automatically lead to more private-sector credit or investment. The real challenge is turning this deposit base into financing for productive sectors.<\/p>\n<p dir=\"ltr\">That means helping businesses that want to:<\/p>\n<ul dir=\"ltr\">\n<li>Expand their operations<\/li>\n<li>Modernise their production facilities<\/li>\n<li>Create new jobs<\/li>\n<\/ul>\n<p dir=\"ltr\">Without that link, a record deposit base says little about the health of the real economy.<\/p>\n<h3 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"Government_Borrowing_and_the_Credit_Squeeze\"><\/span>Government Borrowing and the Credit Squeeze<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p dir=\"ltr\">Heavy government borrowing from the banking system can compete with private-sector borrowers for available funds. Depending on prevailing returns and credit risks, banks may prefer lending to the government over extending loans to businesses.<\/p>\n<p dir=\"ltr\">This is a natural choice from a bank\u2019s point of view, but it carries a cost for the wider economy. A sustained shift towards government securities could limit the credit available to businesses. That would hold back investment and weaken the private sector\u2019s contribution to growth.<\/p>\n<h4 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"Smaller_Businesses_Feel_the_Pressure\"><\/span>Smaller Businesses Feel the Pressure<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p dir=\"ltr\">Smaller enterprises are often the hardest hit. They typically face higher borrowing costs and stringent collateral requirements, which makes it harder for them to compete for bank funding. When banks lean towards safer government lending, these firms have even fewer options.<\/p>\n<h3 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"What_This_Means_for_Pakistans_Economy\"><\/span>What This Means for Pakistan\u2019s Economy<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p dir=\"ltr\">The numbers tell two stories at once. On one side, people and institutions are placing far more money in banks than they were four years ago. On the other, the benefit of that growth depends on where the money goes next.<\/p>\n<p dir=\"ltr\">If banks direct more funds towards industry and business investment, the larger deposit base could help drive expansion and job creation. If government borrowing keeps absorbing a large share, the economy may not see the full benefit of this growth.<\/p>\n<h3 dir=\"ltr\"><span class=\"ez-toc-section\" id=\"Conclusion_Why_Pakistan_Bank_Deposits_Matter\"><\/span><a href=\"https:\/\/spinpk.com\/index.php\/2026\/10\/14\/administration-ban-plastic-bottles\/\">Conclusion<\/a>: Why Pakistan Bank Deposits Matter<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p dir=\"ltr\">The rise of Pakistan bank deposits to Rs40.83 trillion is a major milestone for the financial system. Yet, as Dr Gohar Ejaz argues, the milestone only becomes meaningful when those funds reach businesses and industry. The next phase of the debate will focus on how <a href=\"https:\/\/pcn58.com.pk\/index.php\/2026\/10\/18\/pakistans-bank-deposits-double-to-rs40-83tr-in-four-years-but-lending-to-government-raises-growth-concerns\/\" target=\"_blank\" rel=\"noopener\">banks<\/a> balance government lending with private-sector financing.<\/p>\n        <div class=\"booster-block booster-reactions-block\">\n            <div class=\"twp-reactions-icons\">\n                \n                <div class=\"twp-reacts-wrap\">\n                    <a react-data=\"be-react-1\" post-id=\"6187\" class=\"be-face-icons un-reacted\" href=\"javascript:void(0)\">\n                        <img decoding=\"async\" src=\"https:\/\/spinpk.com\/wp-content\/plugins\/booster-extension\/\/assets\/icon\/happy.svg\" alt=\"Happy\">\n                    <\/a>\n                    <div class=\"twp-reaction-title\">\n                        Happy                    <\/div>\n                    <div class=\"twp-count-percent\">\n        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The jump shows a massive expansion in the banking system\u2019s deposit base. It also raises an uncomfortable question: is this money flowing into productive economic activity?&#8230;<\/p>\n","protected":false},"author":1,"featured_media":3237,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_kad_post_transparent":"default","_kad_post_title":"default","_kad_post_layout":"default","_kad_post_sidebar_id":"","_kad_post_content_style":"default","_kad_post_vertical_padding":"default","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[7],"tags":[393],"class_list":["post-6187","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-dr-gohar-ejaz"],"_links":{"self":[{"href":"https:\/\/spinpk.com\/index.php\/wp-json\/wp\/v2\/posts\/6187","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/spinpk.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/spinpk.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/spinpk.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/spinpk.com\/index.php\/wp-json\/wp\/v2\/comments?post=6187"}],"version-history":[{"count":1,"href":"https:\/\/spinpk.com\/index.php\/wp-json\/wp\/v2\/posts\/6187\/revisions"}],"predecessor-version":[{"id":6188,"href":"https:\/\/spinpk.com\/index.php\/wp-json\/wp\/v2\/posts\/6187\/revisions\/6188"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/spinpk.com\/index.php\/wp-json\/wp\/v2\/media\/3237"}],"wp:attachment":[{"href":"https:\/\/spinpk.com\/index.php\/wp-json\/wp\/v2\/media?parent=6187"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/spinpk.com\/index.php\/wp-json\/wp\/v2\/categories?post=6187"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/spinpk.com\/index.php\/wp-json\/wp\/v2\/tags?post=6187"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}