About Us / Departments / Banking Supervision Department - 2  

Banking Supervision Department-2 (BSD-2) plays a pivotal role in meeting SBP's main responsibility of maintaining 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 continuous supervisory monitoring and prompt intervention, which is the corner stone of supervisory activities under Risk Based Supervision.

The department develops and monitors risk profiles of banks, MFBs, PSOs/PSPs, EMIs and Digital Banks, which are updated, based on supervisory activities under the risk based approach. The risk profiles are dependent on external environment, inherent risks emanating from significant activities, control / governance functions, liquidity, earnings and capital position. This process enables BSD-2 in early recognition of key risk areas and aids in implementing appropriate corrective actions in regulated institutions.

All the activities including supervisory assessment, information requisitions, monitoring, enforcement and other actions are conducted as per the SBP Risk Based Supervisory Framework. Intensity and frequency of reviews in the supervisory process are a function of rating of the regulated entity. The IT Specialist Division is placed in BSD-2, which on behalf of Banking Supervision Departments (BSDs) is responsible to monitor industry level information on cybersecurity risk, conduct cyber risk assessments and feed the supervisory divisions with key information on emerging risks and supervisory concerns.

In addition to ensuring compliance of issues highlighted in the supervisory reviews, BSD-2 is empowered to take enforcement actions against regulated institutions based on supervisory assessments. Such enforcement actions may range from imposition of penalties, administrative & financial sanctions and references to concerned law enforcement / prosecution agencies.

BSD-2 works in close coordination with other departments/groups of SBP including Banking Supervision Department-1 (BSD-1), Banking Supervision Department-3 (BSD-3), Financial Stability Department (FSD) and Banking Policy & Regulation Group for performing supervisory assessment.

Following is the list of Financial Institutions allocated to Banking Supervision Department - 2.

Sr. No. Sub-Sr. No. Name of Institution
 Commercial Banks
1 1  Allied Bank Limited
2 2  Bank Alfalah Limited
3 3  First Women Bank Limited
4 4  Habib Bank Limited
5 5  Habib Metropolitan Bank Limited
6 6  Sindh Bank Limited
7 7  SME Bank Limited
8 8  The Bank of Khyber
 Microfinance Banks
9 1  APNA Microfinance Bank Limited
10 2  Advans Pakistan Microfinance Bank Limited
11 3  FINCA Microfinance Bank Limited
12 4  HBL Microfinance Bank Limited
13 5  Khushhali Microfinance Bank Limited
14 6  Mobilink Microfinance Bank Limited
15 7  NRSP Microfinance Bank Limited
16 8  Pak Oman Microfinance Bank Limited
17 9  Sindh Microfinance Bank Limited
18 10  Telenor Microfinance Bank Limited
19 11  U Microfinance Bank Limited
 All Credit Bureaus
 All Payment Systems Operators
 All Electronic Money Institutions
 All Digital Banks

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