SBP Staff Notes contain articles on current economic and relevant banking issues in Pakistan to initiate debate on these issues among informed general public. The Staff Notes are not too technical or academic in natures, like the Working Papers or articles in SBP Research Bulletin.

It must be clearly understood that the views expressed in these Staff Notes are those of the author(s), and by no means a reflection of the views of the State Bank of Pakistan as an institution. The accuracy of the statements, findings, or analysis of the articles is the responsibility of the author(s).

Comments/feedback from the readers are welcome: editor.snn@sbp.org.pk