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Small & Medium Enterprise (SME) Financing

SME Financing data refers to the quantum of financing to SMEs in Pakistan. Data for this category is sourced from the Quarterly SME Finance Review, published by the [State Bank of Pakistan](https://www.sbp.org.pk/).

Key Figures

Outstanding SME Portfolio
Dec 2023

PKR 542.5B

23.9% QoQ
SME Borrowers
Dec 2023

172.3K

4.4% QoQ
SME Finance as % of Private Sector Credit
Dec 2023

6.0%

16.6% QoQ
SME NPL Ratio
Dec 2023

14.5%

-17.7% QoQ

Datasets (13)

Period/Range Data Points Date Modified Trend

Outstanding SME Portfolio

Period
Quarterly
Datapoints
41
Date Modified
11 Jul 2024 12:42 PM
Quarterly
Dec 2013 to Dec 2023
41 11 Jul 2024 12:42 PM
23.9% QoQ

Outstanding SME Portfolio by Facility Type

Period
Quarterly
Datapoints
41
Date Modified
11 Jul 2024 12:42 PM
Quarterly
Dec 2013 to Dec 2023
41 11 Jul 2024 12:42 PM

Outstanding SME Portfolio by Sector

Period
Quarterly
Datapoints
41
Date Modified
11 Jul 2024 12:59 PM
Quarterly
Dec 2013 to Dec 2023
41 11 Jul 2024 12:59 PM

SME Financing by Islamic Banks and Islamic Banking Divisions

Period
Quarterly
Datapoints
41
Date Modified
11 Jul 2024 13:01 PM
Quarterly
Dec 2013 to Dec 2023
41 11 Jul 2024 13:01 PM
5.7% QoQ

SME Borrowers

Period
Quarterly
Datapoints
41
Date Modified
11 Jul 2024 13:02 PM
Quarterly
Dec 2013 to Dec 2023
41 11 Jul 2024 13:02 PM
4.4% QoQ

SME Finance as % of Private Sector Credit

Period
Quarterly
Datapoints
33
Date Modified
11 Jul 2024 13:02 PM
Quarterly
Jun 2015 to Dec 2023
33 11 Jul 2024 13:02 PM
16.6% QoQ

Loans to SMEs (Including Bills Purchased & Discounted)

Period
Monthly
Datapoints
106
Date Modified
21 Oct 2024 06:16 AM
Monthly
Dec 2015 to Sep 2024
106 21 Oct 2024 06:16 AM
2.3% MoM

SME Finance as % of Total Credit

Period
Quarterly
Datapoints
14
Date Modified
26 Jan 2021 15:59 PM
Quarterly
Dec 2013 to Jun 2017
14 26 Jan 2021 15:59 PM
-5.3% QoQ

SME NPL Ratio

Period
Quarterly
Datapoints
41
Date Modified
11 Jul 2024 13:03 PM
Quarterly
Dec 2013 to Dec 2023
41 11 Jul 2024 13:03 PM
-17.7% QoQ

SME Loans Outstanding by Tenor < 1 Year

Period
Annually
Datapoints
16
Date Modified
30 Jul 2024 05:19 AM
Annually
2007 to 2022
16 30 Jul 2024 05:19 AM
1.2% YoY

Loans to Private Sector Businesses

Period
Monthly
Datapoints
106
Date Modified
21 Oct 2024 06:15 AM
Monthly
Dec 2015 to Sep 2024
106 21 Oct 2024 06:15 AM
2.4% MoM

SME Loans Outstanding by Tenor - 1 to 3 Years

Period
Annually
Datapoints
16
Date Modified
30 Jul 2024 05:18 AM
Annually
2007 to 2022
16 30 Jul 2024 05:18 AM
-27.5% YoY

SME Loans Outstanding by Tenor > 3 Years

Period
Annually
Datapoints
16
Date Modified
30 Jul 2024 05:18 AM
Annually
2007 to 2022
16 30 Jul 2024 05:18 AM
15.2% YoY