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Another star on PML-Ns flag is that of inflation settling well below the budgeted target. Lady luck is with the government as due to depressed global commodity prices, headline inflation clocked in at 4.5 percent in FY15 - its lowest level in 11 years.
Banks and DFIs in Pakistan are not wrong when they argue that the mortgage and foreclosure laws need reforms so they can get some surety that they will get their money back. The law has some important issues that need to be addressed before one can blame the financial institutions for not helping in dealing with the housing crisis in Pakistan.
For a sector that contributes about 40 percent to the countrys GDP, 30-45 percent to exports (depending upon different estimates) and about 40 percent of total workforce, the Small and Medium Enterprises (SME) sector receives a very stepchild like treatment by the government, media and the society alike.
According to, the Baseline Profitability Index (BPI) 2015 Pakistan has increased its ranking to 58 for attractiveness to foreign investors among 110 countries. While India has secured first, China 65th and Turkey is at 60th position. In the 2014 index, Pakistan was at the 97th position and Hong Kong was number one.
The ten-month large scale manufacturing growth number for fiscal year 2015 has settled at 2.94 percent. Thats much less than year-on-year growth of 4.5 percent and 3.9 percent in the preceding two year-ago periods.
Late last year, the Competition Commission of Pakistan (CCP) initiated an inquiry against the three car assemblers; INDU, PSMC and HCAR for colluding to limit competition in auto repairs, spare parts and paint job services as well as in hiring resources among the dealership network.
Few would disagree that all is not well with democracy in Pakistan. As per the latest Democracy Monitor (2015), which was released by the democracy watchdog Pildat (Pakistan Institute of Legislative Development and Transparency), events between June 2014 and May 2015 mark an "absolute trough for Pakistans democracy".
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Banking Review 2014


Annual2013/14
Foreign Debt $61.805bn
Per Cap Income $1,386
GDP Growth 4.14%
Average CPI 8.6%
MonthlyMay
Trade Balance $-1.894 bln
Exports $1.953 bln
Imports $3.847 bln
WeeklyJuly 01, 2015
Reserves $18.5 bln