- Please refer to SBP Circular No. SD. DWCD.1
(2)-2013-0087 dated January 21, 2013 on “Submission
of revised version of RoR (v2.0.4) Statement
through DAP” wherein reporting institutions
were required to submit the subject data on
new format through DAP. The following guidelines
shall be followed for submission of subject
- Lending and deposit amounts shall be
reported, in subject Rate of Return (RoR)
statement, in thousands rupees. It shall
be a non-negative number.
- Gross disbursements means the total
amounts disbursed in any currency as loans
during the month. It also includes loans
renewed or rolled over during the month.
In case of running finance, the disbursed
amount means total amount availed by the
borrower during the month.
- Fresh deposits means deposits collected
during the month. It also includes deposits
re-priced / rolled-over deposits during
- Foreign currency deposits and loans
shall be reported in equivalent Pakistan
Rupee (PKR) (in thousands). Necessary
conversion of foreign currency amount
into PKR shall be made by using respective
currency’s interbank exchange rate
for the last day of the reporting month.
- Outstanding deposits reported in RoR
statement shall match the outstanding
deposits reported in A05 statement.
- Outstanding loans as well as gross
disbursements in RoR statement shall reconcile
with the loans reported in A07 statement
(exposure categories from 1100 up till
6200 in A07).
- In case of conventional bank deposits,
check if there is any local currency saving
deposit reported on interest rate less
than the Minimum Deposit Rate (MDR).
- Please check and verify if any local
currency loan is priced below SBP Reverse
- Please check and verify foreign currency
deposits on significantly high interest
rates (e.g., more than 4%)
- All the rates for SBP concessional
schemes like EFS and LTFF and others like
PMYBL shall be aligned with the rates
mentioned in relevant circulars of Infrastructure,
Housing and SME Finance Department (as
well as other relevant Departments) of
- NPLs shall be reported at 0 percent
for the purpose of this statement.
- Ideally overnight interbank placement
and lending rates, among conventional
banks, shall fall within the SBP Interest
Rate Corridor (i.e. Policy Rate –
150 bps to Policy Rate + 50 bps).
- Compensated loans and remunerative deposits
at abnormally high/low rates (e.g. exceeding
40% or below 2%) shall be double-verified
from relevant departments/branches before
- Overall spread (difference between
weighted average rate of lending and weighted
average rate of deposit) of any bank shall
not be negative. [For the calculation
of weighted averages, amounts shall be
used as weights.
- These guidelines are for subject statistical
reporting only and have no other binding/interpretation.
In order to facilitate banks to follow the
above guidelines meticulously, the deadline
for submission of the subject statement has
now onward been extended from 13th of every
month to 15th of every month. Other instructions
on the subject remain unchanged.
Banks shall develop a mechanism/layer
to check and verify, before submissions on due
date to S&DWH Department, that ALL data
are prepared according to the relevant guidelines.