According to the Access to Finance Study of 2008, hardly 12% of the population has access to formal banking services and another 32% is informally served whereas 56% of the adult population is totally excluded.
Similarly in Pakistan, the estimated size of the microfinance market is in the range of 25–30 million clients which indicates that the current level of microfinance access at 2.4 million clients is only 10% of the potential market. Financial Inclusion has progressively assumed greater priority in SBP’s financial sector development strategy.