Banking and financial services illustration representing growth in consumer loans and private sector credit in Pakistan.State Bank data shows rising consumer and private sector lending in June 2026.

SBP bank lending continued to expand in June 2026 as consumer financing, housing loans, auto financing and private sector credit posted strong year-on-year growth, according to the latest data released by the State Bank of Pakistan (SBP).

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The central bank reported that auto financing rose 3.4% month-on-month and 38% year-on-year, reaching Rs381.69 billion by the end of June.

Housing and Personal Loans Continue to Rise

Housing finance maintained its upward momentum, increasing 6.35% from the previous month and 29% compared with June 2025. Outstanding housing loans climbed to Rs267.09 billion, up from Rs251.14 billion in May.

Personal loans also recorded steady growth. Outstanding personal financing increased 2.84% month-on-month and 7.68% year-on-year to Rs282.89 billion.

Overall consumer financing reached Rs1.15 trillion, reflecting a 25.37% annual increase as demand for retail credit continued to strengthen.

Private Sector Credit Expands

The SBP reported that outstanding private sector credit rose to Rs11.16 trillion in June, marking 15.38% year-on-year growth.

Manufacturing remained the largest recipient of bank financing. Outstanding credit to the sector reached Rs6.01 trillion, up 12.26% from a year earlier.

The construction sector also attracted more financing. Outstanding loans increased to Rs236.15 billion, representing 12.27% annual growth.

Agriculture Records Fastest Growth

Among the major sectors, agriculture, forestry and fisheries posted the strongest performance.

Outstanding financing to the sector reached Rs671.11 billion, registering 35.64% year-on-year growth, the highest among key industries.

The latest SBP figures indicate that lending activity continued to improve across both consumer and business segments, supported by stronger demand for financing and expanding credit activity.

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