KARACHI – A recent breakdown of commercial bank accounts’ balances in Pakistan reveals a significant concentration of low-value deposits, highlighting financial disparities across the banking population.
According to data compiled by the State Bank of Pakistan (SBP) and analyzed by Topline Securities, a staggering 51 percent of bank accounts in the country have less than Rs5,000 in deposits. The report sheds light on the limited financial capacity of a majority of account holders, indicating widespread financial under-inclusion.
The data further revealed that 20pc of accounts maintain balances between Rs5,000 and Rs50,000.
It adds that 26% hold deposits ranging from Rs50,000 to Rs1 million while only **3%** of accounts contain balances above Rs1 million.
This concentration of low-balance accounts suggests that while banking access may be growing, a large portion of the population is either unable or unwilling to maintain substantial deposits.
The findings also emphasize the role of microfinance, digital wallets, and low-cost banking solutions to uplift the underbanked segments of the population.
On the other hand, SBP’s foreign exchange reserves closed at US$ 14.51 billion as on 30 June 2025.
During FY25, SBP’s Fx reserves has recorded an increase of US$ 5.12 billion to reach US$ 14.51 billion as on 30 June 2025 compared to US$ 9.39 billion as on 30 June 2024. This reflects a noticeable improvement in the country’s current account balance and realization of planned inflows during the year.