{"id":5684,"date":"2025-08-18T15:35:20","date_gmt":"2025-08-18T10:35:20","guid":{"rendered":"https:\/\/pkfin.kotenterprises.dev\/?p=5684"},"modified":"2025-08-18T15:35:20","modified_gmt":"2025-08-18T10:35:20","slug":"pakistans-domestic-savings-rate-far-below-regional-averages-sbp-governor","status":"publish","type":"post","link":"https:\/\/pkfin.kotenterprises.dev\/?p=5684","title":{"rendered":"Pakistan\u2019s Domestic Savings Rate Far Below Regional Averages: SBP Governor"},"content":{"rendered":"<p>Despite recent improvements in Pakistan\u2019s macroeconomic indicators, the country continues to face deep-rooted structural challenges, with a persistently low domestic savings rate topping the list, cautioned <a href=\"https:\/\/www.sbp.org.pk\/index.html\" rel=\"nofollow noopener\" target=\"_blank\">State Bank of Pakistan (SBP)<\/a> Governor Jameel Ahmad.<\/p>\n<p>Speaking at a seminar in Karachi on Monday, the central bank chief emphasized the urgent need to address this issue to ensure sustainable economic growth.<\/p>\n<p>Citing the latest Pakistan Economic Survey, Jameel Ahmad revealed that Pakistan\u2019s domestic savings rate stands at a mere 7.4 percent of GDP, significantly lagging behind the South Asian average of 27 percent and East Asia\u2019s 41 percent.<\/p>\n<p>\u201cThis low savings rate forces Pakistan to rely heavily on foreign inflows to meet its development needs,\u201d he said. \u201cBut this reliance has come at a cost, contributing to repeated balance of payment crises, instability in foreign exchange markets, and inflationary pressures, all of which have weakened our growth momentum over time.\u201d<\/p>\n<p>The SBP governor stressed that mobilizing domestic savings and channeling them into productive investments is critical to breaking the cycle of economic booms and busts.<\/p>\n<p>Turning to <a href=\"https:\/\/pkfin.kotenterprises.dev\/2024\/12\/13\/islamic-finance-and-capital-markets-will-help-pakistan-achieve-stability-fm-fintech-news-pakistan\/\" target=\"_blank\" rel=\"nofollow noopener\">Pakistan\u2019s capital markets<\/a>, Jameel Ahmad highlighted the progress made in the government bond market over the past two decades. The market now offers a variety of securities, including fixed-rate, floating-rate, and Sharia-compliant options with different maturities. However, he noted that the market remains heavily concentrated within the banking system, limiting its broader impact.<\/p>\n<p>To address this, the SBP has introduced several reforms aimed at broadening access and deepening the bond market. These include:<\/p>\n<ul>\n<li>Revamping the primary dealer system.<\/li>\n<li>Expanding the scope of investor portfolios to include microfinance banks, the Central Depository Company (CDC), and the National Clearing Company of Pakistan Limited (NCCPL).<\/li>\n<li><a href=\"https:\/\/pkfin.kotenterprises.dev\/2025\/01\/23\/sbp-simplifies-merchant-account-opening-process-to-boost-digital-payments\/\" target=\"_blank\" rel=\"nofollow noopener\">Simplifying account opening through the Customer\u2019s Digital<\/a> Onboarding Framework, enabling nearly 100 million branchless and mobile banking users to invest in government securities.<\/li>\n<\/ul>\n<p>These reforms aim to diversify the investor base, enhance liquidity, and make the sovereign segment more resilient,\u201d he said.<\/p>\n<p>The SBP governor also pointed out the glaring absence of a robust corporate debt market in Pakistan. \u201cOutstanding corporate bonds account for less than 1% of our GDP, a stark contrast to other Asian economies,\u201d he said.<\/p>\n<div class=\"code-block code-block-1\">\n<div class=\"wrapperStickyContainerAU\">\n<div class=\"spotDivAU\">\n<div id=\"div-gpt-6146409\" class=\"lazy-unit av-ads\" data-parent-unit=\"ProPakistani_Main_Single_In_Post_BTF\" data-google-query-id=\"CLenoKqUlI8DFeJNpAQdCLInyg\">\n<div>\n<p>He noted that non-financial firms, as well as key sectors like manufacturing, infrastructure, and renewable energy, remain almost entirely dependent on bank loans for financing. This over-reliance on banks, he argued, underscores the need to develop a vibrant corporate debt market to support long-term economic growth.<\/p>\n<p>Jameel Ahmad concluded by reiterating the importance of addressing Pakistan\u2019s structural challenges, particularly the low savings rate and underdeveloped capital markets. \u201cThese issues are not just economic; they are systemic. Without meaningful reforms, Pakistan will continue to face the same cycles of instability and missed opportunities,\u201d he warned.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Despite recent improvements in Pakistan&rsquo;s macroeconomic indicators, the country continues to face deep-rooted structural challenges, with a persistently low domestic savings rate topping the list, cautioned State Bank of Pakistan (SBP) Governor Jameel Ahmad. Speaking at a seminar in Karachi on Monday, the central bank chief emphasized the urgent need to address this issue to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4599,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"_FSMCFIC_featured_image_caption":"","_FSMCFIC_featured_image_nocaption":"","_FSMCFIC_featured_image_hide":"","footnotes":""},"categories":[1299],"tags":[],"class_list":["post","format-standard"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.9 - aioseo.com -->\n\t<meta name=\"description\" content=\"Despite recent improvements in Pakistan\u2019s macroeconomic indicators, the country continues to face deep-rooted structural challenges, with a persistently low domestic savings rate topping the list, cautioned State Bank of Pakistan (SBP) Governor Jameel Ahmad. 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