NewImpact Report · 2021–2026
Deposit‑rich.
Credit‑poor.
How AdalFi turned banks’ own data into more than PKR 110 billion of credit for Pakistanis the formal system could not assess, and what five years of performance shows.
- PKR 110B+
- of credit enabled
- 0.2%
- 90+ day default rate
- 53%
- of borrowers new to credit
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Every square is half a million accounts. Only the green ones have credit.
Has formal credit: a few millionAccount, no credit: ~100M
