Banking Regulation & Supervision

 Off-site Supervision:

Off-site supervision is another important and critical supervisory tool of the State Bank of Pakistan and is also used to reinforce the on-site assessment. It is continuous supervision process wherein regular meetings with the institutions are held, external audit reports on the institutions and regulatory returns are reviewed and key financial indicators and business developments are monitored. The off-site assessment is primarily based on the quarterly data submitted on-line by banks/DFIs through SBP’s Data Acquisition Portal under Reporting Chart of Accounts. In addition, non-financial data such as minutes of Board meetings are also analyzed. Based on available financial and non-financial data, a quarterly off-site assessment of the financial institutions is made. These assessments are made under CAELS (Capital, Asset Quality, Earnings, Liquidity, and Sensitivity to other risks) framework and takes into account financial institution’s performance in comparison with its peer groups. This assessment is used for supervisory and surveillance purposes.

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