Ordinary citizens in Pakistan now hold almost half of the country’s total bank deposits, highlighting their increasing role in strengthening the financial system.
Recent figures released by the State Bank of Pakistan (SBP) show that personal deposits have crossed Rs. 16 trillion out of the overall Rs. 33.8 trillion recorded by August 2025.
This marks a major milestone, as it reflects how everyday people are trusting banks more and becoming active participants in the economy.
These deposits come from a wide range of sources, including salaried employees, freelancers, small business owners, students, and households.
Together, they form a strong base that supports the country’s banking sector and provides banks with the funds needed to lend and invest in different areas of the economy.
In addition to personal deposits, the private sector has also played a significant role, contributing Rs. 6.8 trillion. Meanwhile, government deposits account for 15.2% of the total, showing the state’s consistent presence in the financial system.
Non-resident deposits and other categories make up the rest of the balance, highlighting the diversity within Pakistan’s deposit structure.
Experts believe that this trend points towards greater financial inclusion, as more people are opening bank accounts and using formal banking channels instead of relying on informal methods.
It also reflects increased awareness among citizens about the importance of saving money securely and having access to banking services.
