Notes to the Unconsolidated Financial Statements

NOTES TO THE UNCONSOLIDATED FINANCIAL STATEMENTS

For the year ended December 31, 2020
FOR THE YEAR ENDED DECEMBER 31, 2020

Non-performing
Gross investments Provision held
Credit risk by public / private sector investments
2020 2019 2020 2019 2020 2019
---------------------------------------------------------------------------------- (Rupees in '000) ----------------------------------------------------------------------------

Public / Government 1,855,397,137 1,298,723,314 - - - -

Private 19,441,480 14,313,696 270,877 270,877 270,877 270,877
1,874,838,617 1,313,037,010 270,877 270,877 270,877 270,877

44.1.6 Advances

Credit risk by industry sector

Non-performing
Gross advances Provision held
advances
2020 2019 2020 2019 2020 2019
---------------------------------------------------------------------------------- (Rupees in '000) ----------------------------------------------------------------------------

Chemical and pharmaceuticals 49,371,190 35,958,686 2,551,951 1,403,409 2,519,264 1,403,264

Agribusiness 123,153,141 107,034,111 2,355,186 4,148,556 978,050 3,048,992
Textile 137,638,144 113,542,440 18,227,451 20,111,710 17,230,252 19,460,081
Cement 30,742,220 31,163,363 788,694 788,694 788,694 788,694
Sugar 11,836,435 8,801,685 1,230,342 1,395,262 1,295,262 1,395,262
Shoes and leather garments 3,905,696 4,294,310 950,036 932,766 908,274 891,562
Automobile and transportation
equipment 16,636,312 18,794,707 3,209,778 3,180,692 3,197,282 3,069,030
Financial 73,313,174 76,460,122 45,154 39,414 45,154 39,414
Hotel and tourism 5,686,305 5,311,489 675,707 678,472 560,200 614,556
Insurance 2,892,710 3,493,016 - - - -
Electronics and electrical
appliances 7,141,707 9,438,310 2,401,210 2,365,430 2,401,210 2,339,421
Oil and gas 58,927,284 58,156,756 3,036,551 136,799 786,797 131,800
Power and energy 186,637,376 223,744,793 1,615,585 1,741,772 1,615,585 1,741,772
Education and medical 6,996,217 3,079,480 194,869 162,384 194,091 162,159
Telecommunication 29,265,551 25,746,572 1,130,701 1,221,933 1,130,701 1,221,933
Printing and publishing 6,813,205 12,985,337 355,966 397,393 355,949 397,393
Construction 33,896,363 27,508,121 361,501 754,814 285,961 691,547
Mining and quarrying 5,730,014 4,710,985 119 119 119 119
Food, tobacco and beverages 62,250,021 47,391,073 3,495,089 2,894,470 2,811,264 2,287,188
Wholesale and retail trade 54,054,400 53,430,769 13,605,951 14,183,741 12,344,035 12,949,511
Metal and allied 20,339,605 20,674,000 3,231,792 3,137,264 2,161,387 2,059,101
Individuals 101,199,598 95,536,201 2,269,555 2,724,828 1,995,760 2,334,223
Farming, cattle and dairy 7,003,387 3,717,354 515,986 698,661 434,060 546,172
Trust funds and non profit
organisations 1,614,536 1,279,404 2,991 2,991 2,991 748
Others 156,842,571 150,517,344 13,198,440 9,306,752 13,025,295 8,885,202
1,193,887,162 1,142,770,428 75,450,605 72,408,326 67,067,637 66,459,144

Credit risk by public / private sector

Non-performing
Gross advances Provision held
advances
2020 2019 2020 2019 2020 2019
---------------------------------------------------------------------------------- (Rupees in '000) ----------------------------------------------------------------------------

Public / Government 276,485,672 301,961,530 1,076,491 1,081,891 10,800 16,200

Private 917,401,490 840,808,898 74,374,114 71,326,435 67,056,837 66,442,944
1,193,887,162 1,142,770,428 75,450,605 72,408,326 67,067,637 66,459,144

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