Circulars/Notifications - Banking Conduct & Consumer Protection Department  
  BC&CPD Circular No. 04 of 2021
April 09, 2021 

The President/Chief Executive,
All Banks/DFIs/MFBs/NBFCs/ Modarabas

Dear Sir/Madam,

Reflection Of Two Years History In Consumer/Individual Borrowers' ECIB Reports

Please refer to CPD Circular Letter No.01 of 2015 related to the provision of CIB information to Consumer complainants regarding the reflection of negative/overdue history in eCIB reports.

2.         In order to align with international practices, on a prospective basis (i.e. w.e.f July-2021), it has been decided to include two years history of negative/overdue information for consumer/individual borrowers’ in the eCIB reports of State Bank of Pakistan.

3.         Moreover, as required vide the above mentioned Circular Letter, all the member financial institutions are instructed to ensure upfront disclosure to their current and potential customers regarding the eCIB reporting requirement and its implication i.e. (the reflection of overdue/late payments/write off/waiver, etc.) in eCIB reports after settlement.

4.         Please acknowledge receipt.


Yours truly,


(Asif Mahmood)

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