Banks in Pakistan get a lot of bad rep for their lack of innovation, but honestly, the criticism is entirely baseless. You just need to look at the last few months of 2024 and how the industry came up with new ways to window-dress its advances-to-deposits (ADR) in a bid to avoid additional taxes from the government. As of August, the ratio stood at a historic low of 38.4 per cent, translating into an almost Rs4 trillion gap in loans to be plugged in four months. But you know, where there’s a will, there’s a way. Читать дальше...