Circulars/Notifications - Banking Policy & Regulations Department  
 BPRD Circular Letter No. 29 of 2022
October 25, 2022

The Presidents/Chief Executive Officers
All Banks/DFIs/MFBs

Dear Sir/Madam

Discontinuation of Hard Copy Submission of Regulatory Returns

  1. Please refer to BPRD Circular No. 08 of 2015 and BPRD Circular Letters No. 23 and 25 of 2019 regarding submission of periodical returns in the area of capital and liquidity adequacy of banks, DFIs and MFBs (hereinafter referred to as Financial Institutions – FIs), respectively.

  2. In this regard, it has been decided that submission of following periodical returns in hard-copy format shall be discontinued, effective from December 31, 2022:

    1. Quarterly Returns:
      1. Capital Adequacy Ratio (CAR) – (Banks, DFIs and MFBs)
      2. Net Stable Funding Ratio (NSFR) – (Banks and DFIs)
      3. Liquidity Monitoring Tool - Available Unencumbered Assets – (Banks and DFIs)

    2. Monthly Returns:
      1. Liquidity Coverage Ratio (LCR) – (Banks and DFIs)
      2. Liquidity Monitoring Tool - Concentration of Funding - (Banks and DFIs)
      3. Liquidity Monitoring Tool - LCR by Significant Currency - (Banks and DFIs)
      4. Liquidity Monitoring Tool - Market related Monitoring Tools - (Banks and DFIs)

    3. Fortnightly Returns:
      1. Liquidity Monitoring Tool - Contractual Maturity Mismatch – (Banks and DFIs)

  3. However, FIs shall ensure timely submission of:

    1. CAR, LCR and NSFR returns, within 14 working days from the close of respective reporting period, on SBP’s DAP portal.

    2. Liquidity Monitoring Tools’ returns within 14 working days from the close of respective reporting period on the dedicated email i.e. [email protected].

  4. Further, FIs shall continue to submit their annual audited CAR returns, duly certified by external auditor, within three (03) months from the close of each calendar year in hard-copy format as well as on DAP portal.

  5. All other instructions in the aforementioned BPRD Circular and Circular Letters will, however, remain unchanged.

  6. Please acknowledge receipt.


Yours truly,


(Muhammad Akhtar Javed)

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