Financial Inclusion












 About Financial Inclusion

Financial inclusion is defined as access to formal financial services by individuals & firms to use a range of quality payments, savings, credit and insurance services which meet their needs with dignity and fairness

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 National Financial Inclusion Strategy (NFIS)

In view of the persistence of financial exclusion in the face of long-standing efforts and increasing global trends, SBP-GOP has developed a broader National Financial Inclusion Strategy (NFIS) for Pakistan.

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 Financial Literacy & Capacity Building

SBP has taken various initiatives to enhance the capacity of the masses and the financial institutions through numerous initiatives with the motive to assist financial inclusion and poverty alleviation efforts that supplement economic growth and stability across the country.

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 Partnerships & Alliances

Implementation of the monetary policy stance, signaled through announcement of the policy rate, entails managing the day-to-day liquidity in the money market by SBP with the objective to keep the short-term interest rates stable and aligned with the policy rate.

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 Survey/Research

SBP regularly conducts surveys/research to assess state of financial inclusion, the performance of its initiatives, industry trends, and innovations and to determine demand/supply side evolutions/trends. The findings from these surveys & researches not only provide baseline data for the development of national financial inclusion strategies but also support policy formulation.

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 Agriculture Credit Scoring Model

SBP has introduced a comprehensive scoring model to gauge the agriculture credit performance of banks. The model was adopted by the Agricultural Credit Advisory Committee (ACAC) in its annual meeting for FY 2021-22.

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Supply Side Statistics

December, 2019
 Number of
 Banks & DFIs

53
 Number of
 Branches
16,076
 ATMs
15,252
 POS
47,567
 BB Agents
437,182
 Total No. of
 Accounts
57,571,046
 Source: SBP

Demand Side Statistics
Percentage of Adult population:
A2FS
2015
A2FS
2008
A. Banked
16%
11%
B. Other formal
7%
1%
Formally Served (A+B)
23% 12%
C. Informally Served
24%
32%
Financially Served (A+B+C)
47% 44%
Financially Excluded
53% 56%
 Source: Access to Finance  Survey, 2015


       
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