Personal deposits now account for nearly half of Pakistan’s total banking deposits, highlighting the dominant role of households and individuals in the financial system, according to data compiled by Topline Research from the State Bank of Pakistan.
As of August 2025, overall deposits stood at Rs. 33.8 trillion. Of this, 49.4%. over Rs. 16 trillion, belonged to individuals, including the salaried class, self-employed professionals, housewives, students, and others.
The private sector (businesses) contributed 20.3% of total deposits, amounting to Rs. 6.8 trillion.
Meanwhile, deposits from federal and provincial governments made up 15.2%, non-resident deposits accounted for 3%, and the remaining 12% came under the “others” category.
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It is quite evident that ordinary citizens are backbone of Pakistan’s economy. Likewise, major chunk of income tax collection is received from salaried class. However, unfortunately they don’t get any tangible benefit in return, unlike the developed countries which not only acknowledge such contribution but also take care of their citizens to the maximum.
Funny how ordinary Pakistanis salaried class pay more taxes then the corporate.
Wow
Yes. Because businesses are dealing in cash and not putting any money in the bank from the fear or FBR getting access to thier accounts or authority for direct deductions of taxes. Not that total salaried class has outgrown total private business.