Infrastructure, Housing & SME Finance Department of State Bank of Pakistan presents its half-yearly housing finance review for the period ending December 2016 to reflect data on housing finance, collated from public sector banks, private banks, Islamic banks, and DFIs. It portrays the trend of different parameters pertaining to housing finance like disbursements, outstanding NPLs, and recoveries. During the period under review, the overall housing finance portfolio stood at Rs. 69.26 billion; an increase of 5.42 percent since June 2016. HBFCL remained the largest shareholder, in terms of gross loan amount outstanding, with a share of 23 percent. However, based on category, Islamic Banks remained the largest players with a 38 percent share in gross loan amount outstanding. Fresh disbursement for Jul-Dec amounted to Rs. 10.10 billion with 1,661 borrowers. Furthermore, NPLs decreased to the level of Rs 12.07 billion and remained at 17.43 percent of the gross outstanding amount; a decrease of 1.97 percentage points over the past six months in the infection ratio. HBFCL, being the largest player in the housing finance market, accounted for 35.04 percent of new borrowers and contributed 11.09 percent to the new disbursements equivalent to Rs. 1.12 billion. Islamic banks disbursed Rs. 4.20 billion. Outright Purchase of houses was 65.79 percent of gross outstanding loan amount; while Construction and Renovation products were 23.70 percent and 10.51 percent respectively.