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Asset and Liability Structure of MFBs
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- Gender-wise Distribution of MFBs Loans
- Peer Group Classifications Of Participating Microfinance Providers
Asset and Liability Structure of MFBs 
The upfront investments over the years initiated an expansion of micro-credit services which marked the increase of total number of active borrowers, that is, from 60,000 borrowers to over 600,000 in 2005. 
Gender-wise Distribution of MFBs Loans  
The growth has been remarkable while other financial services such as savings or insurance received less emphasis. The introduction of Microfinance Ordinance 2001 has made possible for microfinance banks to mobilize micro-deposits, and the RSPs to encouraged members to save in commercial banks. Micro-credit market share shifted towards specialized microfinance banks/NGOs during the past seven years. 
The growth in Micro-credit came from across all categories of microfinance providers: RSPs, Multisectoral NGOs, Specialized Microfinance Banks/NGOs, and Commercial Financial Institutions. However, the delivery of credit services is still catching up to the upfront investment. This is illustrated by the portion of total assets that are lent out in loans. A good international benchmark is 70% of total assets allocated to loans. The position of Pakistan has improved but has only reached 42% in 2005, suggesting a need to further build retail capacity. 
With the growth in the investments, the cost efficiency of most Pakistani providers has improved, mainly because they maintained low-cost offices, affordable staff and by monitoring closely the efficiency of operations. Figure below shows the improvement in operational costs of microfinance sector. 
Unit costs increased in 2005 by the addition of several new younger institutions to the database. Younger institutions typically have higher unit costs until their outreach increases, bringing economies of scale. A conservative estimate of the total investment in microfinance from 1999 to 2005 includes the amount below.
Peer Group Classifications Of Participating Microfinance Providers
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