Enhance Access to Finance for Citizens & Industry

Imran Khan and his team from PTI (Pakistan Tehreek-e-Insaf) promised us:

We will improve and implement State Bank of Pakistan’s National Financial Inclusion Strategy, drastically increase access to finance, increase deposit base of banks and establish an infrastructure lending bank for large projects.

Pakistan ranks low on financial inclusion; only 23% of Pakistanis have a bank account and thus access to formal and regulated finance is poor. Further to this, despite effective administration and a robust policy framework of the State Bank of Pakistan; prevalence of informal credit is high and innovation in our banking product and services is insufficient to uplift financial inclusion. There is a strong demand for easy access to innovative financial instruments, both from citizens and businesses, which can be met with manageable risk exposure. However, supply is constraint due to market uncertainty, which increases risk and inefficient delivery mechanisms which hampers ease-of-access.

We will improve and implement the State Bank of Pakistan’s National Financial Inclusion Strategy for easier access to finance.
We will have State Bank of Pakistan develop policies to increase bank deposit base from 30% to 50% of GDP to encourage higher savings.
We will champion digital financial services efforts to encourage shift towards a cashless economy.
We will incentivise development and delivery of innovative financial instruments and services.
We will establish Infrastructure Lending Bank (IPDF model) to fund large projects (e.g. Bhasha Dam).
You can read these promises in the complete manifesto document released by PTI available HERE in English and HERE in Urdu.
Find below the expert`s analysis on the progress of above promise :


Each life is made up of mistakes and learning, waiting and growing, practicing patience and being persistent.