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Banking Inspection Department-II (BID-II) is one of the core departments of SBP with a pivotal role of meeting SBP’s main responsibility of supervising the financial institutions to maintain soundness of the financial system and safeguarding the interest of depositors, thereby ensuring public confidence in the system. It also strives to safeguard interest of stakeholders through proactive inspection, compatible with best international practices in keeping with changing global environment in financial sector.

On-site inspection is considered as key supervisory tool as it provides updated information on the standing of an institution. The regular on-site inspection of Banks/ Development Finance Institution (DFI) is conducted on the basis of CAMELS Framework (Capital, Asset Quality, Management, Earnings, Liquidity and System & Controls). The focus of inspection is generally on risk assessment, compliance with laws, regulations & supervisory directives, compliance with policies & procedures, adequacy of internal control, governance framework and practices. In addition to regular on-site assessment based on CAMELS Framework, the shariah compliance aspect is also examined for the Islamic banks.

On-site inspections are conducted pursuant to an approved inspection schedule. The frequency of inspections depends on rating of the inspected bank/ DFI with focus of supervisory resources on systemically important institutions and those posing higher supervisory concerns. The bank examiners document their assessment of institution in the form of inspection reports, which are finalized after due discussions with the banks’ senior management. The inspection reports are shared with the respective institutions and concerned departments of SBP.

Following is the list of Financial Institutions allocated to Banking Inspection Department – II.

Sr. No. Names of the Financial Institution
 Commercial Banks
1  Bank Alfalah Limited
2  Bank Al-Habib Limited
3  Habib Bank Limited
4  Habib Metropolitan Bank Limited
5  JS Bank Limited
6  MCB Bank Limited
7  Samba Bank Limited
8  Silk Bank Limited
9  Soneri Bank Limited
10  The Bank of Khyber
11  The Bank of Punjab
12  The Bank of Tokyo – Mitsubishi UFJ Limited – Pakistan Operations
13  Zarai Taraqiati Bank Limited
 Islamic Banks
14  Al-Baraka Bank (Pakistan) Limited
15  BankIslami Pakistan Limited
16  Burj Bank Limited
17  Dubai Islamic Bank Pakistan Limited
18  Meezan Bank Limited
19  MCB Islamic Bank Limited
 Development Finance Institutions
20  House Building Finance Company Limited
21  PAIR Investment Company Limited
22  Pak Brunei Investment Company Limited
23  Pak China Investment Company Limited
24  Pak Kuwait Investment Company Limited
25  Pak Libya Holding Company Limited
26  Pak Oman Investment Company Limited
27  Saudi Pak Industrial & Agricultural Investment Company Limited

Circulars/ Circular Letters of Banking Inspection Department – II

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