Please refer to BSD Circular No. 27 of October 17, 2008 wherein Advances to Deposits Ratio (ADR) was prescribed for the banks.

 

2. It has been decided to revise the definitions of “Advances” and “Deposits” for the purpose of calculating ADR as follows:

Advances: will include Loans / Advances (on net basis) less:

i) Refinance availed from SBP under Export Refinance and Long Term Financing Facility (LTFF) Schemes

ii) Lending for commodity operations

iii) Lending for power generation and distribution; and

iv) Lending to/placements with other banks (if included in loans/advances).

Deposits:
All types of deposits including Demand, Savings, and Time Deposits plus Tier-I Capital less deposits / placements from other banks.

3) All other instructions on the subject shall, however, remain unchanged.

Please acknowledge receipt.