Pakistan: Borrowers from commercial banks (per 1,000 adults)

Key figures

What the numbers say

In 2024, Pakistan's borrowers from commercial banks (per 1,000 adults) rose 1.83 on 2023 (from 21.51 to 23.34).

Across the 17 yearly changes before that (2007 to 2023), the average change was −0.2 and a typical year strayed about 1.61 from that (the standard deviation). This year's change was 1.3 standard deviations above that average, so it was larger than a typical year, though not out of the range seen before.

On record, the biggest yearly rise was 4.26 in 2007 and the biggest yearly fall was 2.8 in 2023. The numbers show how large and when, not why; for the cause, look at what happened in that country in those years.

From 2015 to 2024 there is no clear straight-line trend: a straight line explains 15% of the movement over 10 observed years, so the value is moving around more than it is heading anywhere.

Worked out from the yearly values above. How the checks work: standard deviation, z-scores and straight-line trends.

How it compares

In 2024, Pakistan had the 76th highest value of the 78 economies reporting that year. Higher is not always better: for some indicators the lowest value is the one to aim for. See the full ranking.

Closest to Pakistan in the 2024 ranking

• Nigeria — 72nd of 78: 31.08
• Malawi — 73rd of 78: 24.84
• Comoros — 74th of 78: 24.09
• Guinea — 76th of 78: 22.48
• Lao PDR — 77th of 78: 21.07
• South Sudan — 78th of 78: 1.02

What this measures

Borrowers from commercial banks are the reported number of resident customers that are nonfinancial corporations (public and private) and households who obtained loans from commercial banks and other banks functioning as commercial banks.

Limitations: For many countries data cover the total number of loan accounts due to lack of information on loan account holders. For several countries, data cover all borrowers including commercial banks, credit unions and financial cooperatives, deposit taking microfinance institutions, and other deposit takers. These include all resident financial corporations and quasi-corporations (except the central bank) that are mainly engaged in financial intermediation and that issue liabilities included in the national definition of broad money.

Regional and income-group figures are computed by the World Bank as a median.

All 19 values

Borrowers from commercial banks (per 1,000 adults) in nearby economies

• Afghanistan — 3.29 (2019)
• Algeria — 43.39 (2024)
• Bahrain — 191.97 (2024)
• Djibouti — 42.46 (2024)
• Egypt, Arab Rep. — 132.95 (2024)
• Kuwait — 198.93 (2024)
• Lebanon — 70.82 (2024)
• Qatar — 280.89 (2021)
• Saudi Arabia — 234.69 (2024)
• Tunisia

More financial sector data for Pakistan

• Domestic credit to private sector by banks (% of GDP) — 10.68% (2025)
• Net domestic credit (current LCU) — 55.96 trillion (2025)
• Net foreign assets (current LCU) — -249.12 billion (2025)
• Monetary sector credit to private sector (% of GDP) — 10.73% (2025)
• Broad money (current LCU) — 46.53 trillion (2025)
• Broad money (% of GDP) — 40.88% (2025)
• Broad money to total reserves ratio — 6.29 (2025)
• Consumer price index (2010 = 100) — 400.52 (2025)
• Inflation, consumer prices (annual % growth) — 3.55% (2025)
• Claims on central government, etc. (% of GDP)

Reading data like this

• Where to find free public data, and how to check it before you trust it — 2 min read
• Data analysis examples: 6 worked from one dataset — 3 min read
• Real change or random noise? A plain guide to reading your numbers — 2 min read

Questions people ask

What is Pakistan's borrowers from commercial banks (per 1,000 adults)?

23.34 in 2024, according to the World Bank (World Development Indicators).

How has it changed since 2006?

It is down 6.14% from 24.87 in 2006 (0.35% a year on average, compounded). The highest value was 29.12 in 2007 and the lowest 21.51 in 2023.

How does Pakistan rank?

76th highest of 78 economies with data for 2024.

Is the latest change in borrowers from commercial banks (per 1,000 adults) unusual for Pakistan?

In 2024, Pakistan's borrowers from commercial banks (per 1,000 adults) rose 1.83 on 2023 (from 21.51 to 23.34). Across the 17 yearly changes before that (2007 to 2023), the average change was −0.2 and a typical year strayed about 1.61 from that (the standard deviation). This year's change was 1.3 standard deviations above that average, so it was larger than a typical year, though not out of the range seen before.

Source

World Bank, World Development Indicators, indicator FB.CBK.BRWR.P3, licensed CC BY 4.0. Original source: Financial Access Survey, International Monetary Fund (IMF), uri: https://data.imf.org/en/datasets/IMF.STA:FAS Figures are fetched from the World Bank API and refreshed monthly; see the series on data.worldbank.org. The full definition and method are in the World Bank's metadata glossary. Comparisons use the same World Bank release.

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