Personal deposits now account for nearly half of Pakistan’s total banking deposits, highlighting the dominant role of households and individuals in the financial system, according to data compiled by Topline Research from the State Bank of Pakistan.
As of August 2025, overall deposits stood at Rs. 33.8 trillion. Of this, 49.4%. over Rs. 16 trillion, belonged to individuals, including the salaried class, self-employed professionals, housewives, students, and others.
The private sector (businesses) contributed 20.3% of total deposits, amounting to Rs. 6.8 trillion.
Meanwhile, deposits from federal and provincial governments made up 15.2%, non-resident deposits accounted for 3%, and the remaining 12% came under the “others” category.
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