Banking Regulation & Supervision














 Introduction:

One of the principal tasks of State Bank of Pakistan is to safeguard the soundness and stability of the financial system. To achieve this objective, State Bank has instituted an effective legal and regulatory framework.

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 Legal Framework:

Under the legal framework, the Bank has been entrusted with necessary powers and mandate mainly under the State Bank of Pakistan Act, 1956, the Banking Companies Ordinance, 1962.

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 Regulatory Framework:

Licensing Regime: Licensing of new Commercial (Conventional & Islamic) and Microfinance banks and facilitate local and overseas Branch Expansion of Banks/DFIs/MFBs so as to attain maximum financial inclusion in sustainable manners. Further, privatization of Public Sector Banks and requests for the schemes of amalgamation/mergers of banks are processed.

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 Supervisory Framework:

In line with international best practices, SBP issues various regulatory instructions and guidelines which describe the standards of prudent conduct to which the regulated entities are expected to adhere.

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 On -site Assessment:


On-site assessment is the most critical supervisory tool employed by SBP to have a good understanding of the institution’s business, identify potential risks that may impact institution’s reputation, safety, soundness and to assess the suitability of various supervisory actions.     

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 Off-site Supervision:

Off-site supervision is another important and critical supervisory tool of the State Bank of Pakistan and is also used to reinforce the on-site assessment.

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 Enforcement and Resolution of Problem Institutions:


SBP takes supervisory enforcement actions against those institutions that fail to comply with legal or regulatory requirements.

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