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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
Mar 2025

PKR 584.4B

-8.9% QoQ
SME Borrowers
Mar 2025

203.1K

10.4% QoQ
SME Finance as % of Private Sector Credit
Mar 2025

5.6%

-7.1% QoQ
SME NPL Ratio
Mar 2025

15.4%

8.7% QoQ

Datasets (13)

Period/Range Data Points Date Modified Trend

Outstanding SME Portfolio

Period
Quarterly
Datapoints
46
Date Modified
12 Aug 2025 05:27 AM
Quarterly
Dec 2013 to Mar 2025
46 12 Aug 2025 05:27 AM
-8.9% QoQ

Outstanding SME Portfolio by Facility Type

Period
Quarterly
Datapoints
46
Date Modified
12 Aug 2025 05:28 AM
Quarterly
Dec 2013 to Mar 2025
46 12 Aug 2025 05:28 AM

Outstanding SME Portfolio by Sector

Period
Quarterly
Datapoints
46
Date Modified
12 Aug 2025 05:29 AM
Quarterly
Dec 2013 to Mar 2025
46 12 Aug 2025 05:29 AM

SME Financing by Islamic Banks and Islamic Banking Divisions

Period
Quarterly
Datapoints
46
Date Modified
12 Aug 2025 05:30 AM
Quarterly
Dec 2013 to Mar 2025
46 12 Aug 2025 05:30 AM
0.9% QoQ

SME Borrowers

Period
Quarterly
Datapoints
46
Date Modified
12 Aug 2025 05:30 AM
Quarterly
Dec 2013 to Mar 2025
46 12 Aug 2025 05:30 AM
10.4% QoQ

Loans to SMEs (Including Bills Purchased & Discounted)

Period
Monthly
Datapoints
109
Date Modified
22 Jan 2025 06:10 AM
Monthly
Dec 2015 to Dec 2024
109 22 Jan 2025 06:10 AM
7.3% MoM

SME Finance as % of Private Sector Credit

Period
Quarterly
Datapoints
38
Date Modified
12 Aug 2025 05:31 AM
Quarterly
Jun 2015 to Mar 2025
38 12 Aug 2025 05:31 AM
-7.1% QoQ

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
46
Date Modified
12 Aug 2025 05:33 AM
Quarterly
Dec 2013 to Mar 2025
46 12 Aug 2025 05:33 AM
8.7% QoQ

SME Loans Outstanding by Tenor < 1 Year

Period
Annually
Datapoints
17
Date Modified
18 Mar 2025 06:58 AM
Annually
2007 to 2023
17 18 Mar 2025 06:58 AM
-2.8% YoY

Loans to Private Sector Businesses

Period
Monthly
Datapoints
115
Date Modified
18 Jul 2025 05:43 AM
Monthly
Dec 2015 to Jun 2025
115 18 Jul 2025 05:43 AM
2.1% MoM

SME Loans Outstanding by Tenor - 1 to 3 Years

Period
Annually
Datapoints
17
Date Modified
18 Mar 2025 07:00 AM
Annually
2007 to 2023
17 18 Mar 2025 07:00 AM
13.0% YoY

SME Loans Outstanding by Tenor > 3 Years

Period
Annually
Datapoints
17
Date Modified
18 Mar 2025 07:01 AM
Annually
2007 to 2023
17 18 Mar 2025 07:01 AM
2.5% YoY