As per SBP Instructions, Banks are required to submit information of the borrowing clientele to Credit Information Bureau of State Bank of Pakistan and Private Credit Bureau(s) under the Credit Bureau Act 2015 on monthly basis and accordingly the eCIB report reflecting overdues may have an impact on Credit History of the borrower.
For Corporate Borrowers:
eCIB report would reflect the restructuring / rescheduling of loans for 5 years and would reflect Write-off / Waiver for 10 years.
For Consumer Borrowers:
eCIB report would reflect Credit History (i.e. overdue / late payment / write-offs / waiver) for a period of 2 years after settlement.
Further details can be accessed at URL https://www.sbp.org.pk/ecib/index.htm