Financial Sector Reforms
—Autonomy and capacity enhancement of  SBP
—Transformation of ownership structure with dominance of private sector and significant foreign ownership.
—Asset share of public sector banks decreased from 92 % in 1990 to 20 %
—Assets quality of the banks has improved and net NPL to net loans ratio reduced over the years and stands at 3.1 %(31-12-13)
—High growth of the balance sheet size of the banking system and enhancement in the range and quality of services 
—Contribution to Government revenue enhanced owing to improved profitability.
—Access of finance and financial services to the under served segments like consumer finance, SME Finance, Housing Finance, Agriculture and Microfinance has increased. 
—Growth of Islamic Banking, Micro finance, on-line/ internet banking and branchless banking in the country.