D.ocument of

C) °- ,lThe World Bank

FOR OMCLAL USE ONLY

MICROFICHE COPY

Report No. P- 5646-PAK Type: (PM)

VIENS, D. / X32857 / H5021/ EMlPH Rqev NO. P-5646-PAK

mEMORANDUM AND RECOMMENDATION

? OF THE

PRESIDENT OF THE

( . INTERNATIONAL DEVELOPMENT ASSOCIATION

TO THE

EXECUTIVE DIRECTORS

ON A PROPOSED CREDIT

OF SDR 80.5 (MILLION)

TO THE

ISLAMIC REPUBLIC OF PAKISTAN

FOR THE

PUNJAB MIDDLE SCHOOLING PROJECT

MARCH 20, 1992

-his document has a restrictd distrbution and may be used bY recipients OnlY in the Performance ofther officia dutie. Its contents way not otherwise he dislsd" without World Bonk authorization.

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CURRENCY EQUIVALENTSCurrency Unit - Pakistan Rupee (Rs)

US$1.00 = Rs24.63 (February 1992)Rs 1.00 uUS$0.0406

FISCAL YEAR

July 1 - June 30

PRINCIPAL ABBREVIATIONS

AY Academic YearDOE Provincial Department of EducationFY Fiscal YearICB International Competitive BiddingIDA International Development AssociationLCB Local Competitive BiddingRs (Pakistan) Rupee

FOR OMFFCIL USE ONLY

ISLAMIC REPUBEJC OF PAKSTAN

PUNJAB MIDDLE SCHQOLINg PROJECT

Credit and Project Summary

Borrower: Government of Pakistan

Beneficiary: Government of the Punjab

Amount: SDR 80.5 Million (US$115 million equivalent)

Terms: Standard, (with 35 years maturity)

Re-Lending Terms: Not Applicable

Financing Plan: Local Foreign Total--- t.US$ Million ----

Government 49.1 0.0 49.1of PakistanIDA 84.7 30.3 115.0

Total 133.8 30.3 164.1

Rate of Return: Not Applicable

Staff Appraisal Report: Report No. 9900-PAK

Map: IBRD No. 23354

This document has a restricted distribution and may be used by recipients only in tL w or !anceof their official duties. Its contents may not otherwise be disclosed without World Bank authotization.

)ENORANDUM AND RECOMMENDATION OF TEE PRESIDENTOF THE INTERNATIONAL DEVELOEPENT ASSOCIATION

TO THE EXECUTIVE DIRECTORSON A PROPOSED CREDIT

TO THE ISLAMIC REPUBLIC OF PAXISTANFOR THE PUNJAB MIDDLE SCHOOLING PROJECT

1. I submit for your approval, the following memorandwu and recommendationon a proposed development credit to the Islamic ReApublic of Pakistan forSDR 80.5 million, the equlvalent of US$115 million, on standard IDA terms witha maturity of 35 years to help finance a middle schooling project in theProvince of the Punjab.

2. Blackgrou. Despite Pakistan's robust economic performance which hasresulted in a doubling of per capita income over the past 25 years, efforts totranslate economic p':ogteas into educational gains have achieved only limitedsuccess. As a result of a population increase of over 3X per annum, onlyabout half of the children in the age-group 5-9 are enrolled in primaryeducation, and less than one-third have access to education beyond primaryschooling. Therefore, improving the access to, and quality of, elementaryeducation, comprising primary (classes 1 - 5) and middle (classes 6 - 8)schools with increased attention to female education in rural areas, remainsthe highest priority. In the Province of Punjab, recent studies of theeducation sector have identified the severe shortages of female teachers inrural areas as one of the critical impediments to increased participation ofgirls. Addressing this problem is a long term undertaking; it meansincreasing the number of rural girls gaining a-^cess to both primary and middleschool education, as well as improving their access to higher levels ofeducation, which is a necessary condition for qualifying to become a teacher.

3. Other major faclors which constrain the development of elementaryeducation in the Punjab are: (a) inadequate provision of sCbools. Lack ofresources and delays in implementing a building program to add middleschooling (classes 6 - 8) classrooms to existing primary schools havefrequently led to the displacement of primary classes, causing them to be heldunder school verandas or in the school yard. Also, most middle schools lackminimum facilities and have no school maintenance budget; (b) poorlnstructional quality and lov student achievement. The causes are multipleand interdependent including: fragmented organization; poor management ofteacher training; inadequate assessment of learning achievement and lack ofteaching-learning materials and (c) poor management of resources. Thisproblem results from near absence of valid baseline data to formulatepolicies, set targets and develop and monitor programs, as well as poorlycoordinated provincial, divisional and district management.

4. The Government of the Punjab has, with assistance from IDA, prepared anElementary Education Development Program (FY93-98). This program covers allinvestment and recurrent expenditures in primary and middle schooling. Forprlmary schooling, the Government is already committed to implement two majorprojects: the IDA-financed Third Primary Education Project (PEP3) (FY87-94)and the Asian Development Bank's Girls Primary Education Project (FY91-96).These projects aim at improving coverage, participation and delivery ofprimary education in rural areas, particularly for girls, and strengtheningplanuing and management of primary education. With the addition of about700,000 places, about 581 of rural girls in the age-group 5-9 would be

2

enrolled in primary schooling by 1995-96. For middle schooling, the programcomprises investm..znt (civil works, furniture, equipment, materials, vehicles,quality improvement inputs, and techntcal assistance) and recurrentexpenditures (salaries, maintenance, scholarships and operating expenditures).Selected components of the middle schooling sub-program would be supported bythe proposed project as described below in paras. 8-12. Total enrollments inprimary and middle schooling are projected to reach 821 and 421 of therelevant age-groups, respectively by FY98.

5. Rationale for IDA xnvolvement. With four credits in primary educationsince 1979, IDA has assisted the government in addressing major policy,institutional and investment constraints. The proposed project is a naturalextension of past IDA assistance in primary schooling. It would be the firstexternally-financed operation to support development of middle schooling.

6. Lessons Learned. A number of lessons have been taken into account inpreparing the proposed project. These include: (a) decentralization ofproject administration and single-province operations in order to streamlineproject implementation; (b) expanding the functions of existing bodies orinstitutions rather than establishment of new ones; (c) development of theinstitutional framework and staff capacity before introducing complex changes;(d) introduction of change incrementally and setting of realistic targets; (e)seeking early agreement on technical assistance programs and terms ofreference of consultants; (f) strengthened monitoring of the constructionprogram at all st.ges; (g) establishment of financing and implementationmechanisms to accelerate disbursements; (h) flexible programing to allowadaptation during implementation; and (i) broadening the base of teachertraining to include the local government bodies and the private sector.

7. Proiect Objectives. The objectives of the project are to: (a) improveaccess and participation in middle schooling in rural and urban slum areas,especially for girls; (b) improve quality and increase student learningachievement; and (c) strengthen policy-making, planning, management,monitoring and evaluation capacity of DOE.

8. Project Description. The project would support:

(a) Improved access and participation (base cost, US$116.7 million)by: (i) providing facilities for about 3,600 schools and increasedbudgets for school maintenance; (ii) providing scholarships torural girls to complete secondary education and to qualifiedfemale graduates to enter teacher training and rewardingoutstanding teachers and headmasters; (iii) enhancing the role oflocal government in management and delivery of elementaryeducation; and (iv) promoting community and private sectorparticipation in elementary ed;zation through technical assistanceto the Punjab Education Foundation.

(b) Improved quality of education (base cost, US$17.2 million)through: (i) improved delivery of: teacher education, science/mathand English teaching, and school supervision; (ii) improvedlearning assessment capacity through the development of expertisein testing and examinations; and (iii) publication of improvedtextbooks, teachers' guides and supplementary reading materials.

3

(c) Strengthened policy-making, planning, management andmonitoring/evalustion capacity (base cost, US$3.7 million)through: (i) development of policy formulation and school planningcapabilities at the provincial and district levels; (ii)reorganizing the department of education to create elementaryeducation management and administration at the provincial,divisional and district levels and (iii) developing monitoring andevaluation capacity.

9. The total cost of the eight-year project is estimated at US$164.1million equivalent, with a foreign exchange component of US$30.3 millionequivalent (182). A breakdown of costs and the financing plan are shown inSchedule A. The amounts and methods of procurement and disbursements, and thedisbursement schedule are shown in Schedule B. A timetable of key projectprocessing events and the status of Bank Group owerations in Pakistan aregiven in Schedules C and D, respectively. A map showing the geographicalcoverage of the project is attached. The Staff Appraisal Report, No. 9900-PAKis being distributed separately.

10. Agreements Reached and Conditions. During Negotiations, assuranceswere obtained that GOPunjab would: (a) carry out and provide the necessaryfinancial resources for the agreed program of middle schooling; (b) maintain abalanced construction program according to agreed criteria; (c) furnish to IDAthe evaluation of the pilot program to transfer respornsibility for DOE schoolsto the Rawalpindi Municipal Corporation by December 31, 1995; and (d) furnishto IDA an evaluation of the activities of the Punjab Educatiou Foundationactivities by December 31, 1994; (e) establish and staff a Testing DevelopmentCenter by July 1, 1993; (f) reorganize the Directorate of Public Instruction(Schools) into two separate Directorates of Public Instruction, one forSecondary Education and the other for Elementary Education along withdivisional and district level bifurcation of educational managers by July 1,1993; (g) establish the Directorate for Staff Development by July 1, 1993;(h) in conjunction with IDA conduct annual reviews of the middle schoolprogram and agree upon the work program for the next fiscal year and determinethe size of the budgetary provisions to be made in the next year's budget; (i)recruit 50 qualified supervision staff in the Civil Engineering Cell of theprovincial Department of Education by October 31, 1992 on the understandingthat up to 40X of the construction management works would be contracted out tothe private sector.

11. Conditions of Credit Effectiveness would be: (a) the acquisition of thefirst year construction sites for new middle schools, (b) furnishing to IDAthe evaluation of qualified firms for the provision of technical assistanceservices, and (c) approval of the PC-1 by the Executive Committee of theNational Economic Council.

12. Environmental Aspect. The project is not expected to have anysignificant adverse impact on the environment. It will improve the sanitaryenvironment of about 1,400 existing schools and provide basic sanitation forall new ones.

13. Benefits. The project would increase middle level enrollment, improvtthe quality of inb_,ruction and the availability and standards of educationalmaterials, and improve efficiency through better management and

4

administration. Aggregate enrollments at the middle level are expected togrow by 585,000 between Academic Year (AY) 1991-92 and AY1997-98, an increaseof 38%; rural female enrollment would grow 103%, from 233,000 to 474,000.Combined with incentives to improve participation of rural girls in furthereducation, these increases would contribute to alleviating the shortage offemale teachers in rural areas. Py supporting improvements in quality, theproject would maximize the benefits to be gai.ned from elementary educationexpenditures, and in particular expenditures on middle schooling, at a time ofsevere resource constraints. All of these efforts are expected to improve thecoverage and quality of elementary education in the Punjab and therebysubstantially increase the country's long t--m development prospects.

14. Risks. The major risk faced by the project is that cutbacks ingovernment expenditures on middle school education would jeopardize theachievement of project targets. In a context of very rapid population growth,the project supports the minimum investment and recurrent expenditure neededto allow an increase in the rural participation rate, improve efficiency, andimprove the quality of instruction to ensure that children acquire theknowledge and skills needed to become productive workers or to further theirst:udies. The government is firmly committed to these objectives, and hasgiven assurances that it would provide the necessary budgetary resources tomeet the investment and recurrent costs of the agreed middle school program.A subsidiary risk is that the government may have difficulties in carrying outthe physical and institutional objectives of such a large program. However,the Punjab Government's physical implementation capacity has improved duringthe implementation of the on-going IDA assisted project (PEP3), and would befurther strengthened in the proposed project. To minimize institutionalconstraints, the organization and management of elementary education would bestrengthened through technical assistance. The project would also consolidateand extend programs that previously proved successful, by strengtheningexisting line agencies.

15. Reco_mmendation. I am satisfied that the proposed credit would complywith the Articles of Agreement of the Association and recommend that theExecutive Directors approve the proposed credit.

Lewis T. PrestonPresident

Attachments

Washington D.C.March 20, 1992

S

fth.adule A

ISLAMIC REPUBLIC OF PAKISTANPU'4JAB MIDDLE SCHOOLING PROJECT

Estima;ed Costs and Flnaneing Pla.

Estimated Cost 1/Local Foreign Total

.. US$ Million -

Improved Access and Participation 102.1 14.6 116.7Improved Quality 8.2 9.0 17.2Strengthened Management 1.7 2.0 3.7

Total Base Costs 112.0 25.6 137.6

Physical Contingencies 11.2 2.6 13.8Price Contingencies 10.6 2.1 12.7

Total Costs 133.8 30.3 164.1

1/ Including an estimated US$12.7 million in taxes and duties.

Fin=ning PlanLocal Foreign Total-----US$ Million -------

Government of Pakistan 49.1 0.0 49.1International Development Association 84.7 30.3 115.0

Total Financing Requirements 133.8 30.3 164.1

Note: Detailed figures may not add up to totals because of roundings.

6

Schedgle BfPage 1 of 3

ISLAMIC REPUBLIC OF PFtISTANPUNJAB MIDDLE SCHOOLING PROJECT

AMounts and Methods of prggurement a/(ITO$ Million)

Category of Expenditure ICB Local OTM N/A b/ TOTAL

A. CONSTRUCTION IXKS 103.0 103.0(78.3) (78.3)

B. CONSTRUCTION MANAGaNT SEgV. 4.1 4.1(4.1) (4.1)

B. EQUIIM, FURNIT. MMD MATERIALS 12.8 9.0 21.6(11.5) (8.1) (19.6)

C: VEBICLES 0.8 0.8(0.0) (0.0)

D: TECHNICAL ASSISTANcE 6.2 6.2(6.2) (t.2)

E: InCIU3NAL RECIUNT COSTS 28.1 28.1(6.9) (6.8)

TOT-L FINNCIN1B REQUIREM31SS 115.8 20.1 28.1 164.1(TOTAL IDA FINANCING) (89.8) (18.3) (6.9) (115.0)

a/ Figures in brackets are the respective amounts financed by the IDA Credit.b/ These recurrent costs would be financed entirely by the Government of the VunJab.

Note: Detailed fisures may not add up to totals because of roundinss.

7

Schedule APage 2 of 3

ISLAMIC REPUBLIC OF PAKISTANPUNJAB MIDDLE SCHOOLING PROJECT

Allocation- and Disbursement of the Proposed IDA Credit(US$ Millions)

X ofAmount of the Expenditures

Category Credit Allocated to be Financed

(1) Civil Works 71.1 762

(2) Furniture and 17.9 100% of foreigneducational expenditures andequipment and 100% of localmaterials expenditures (ex-

factory costs) and90% of localexpenditures forother items procuredlocally

(3) Consultants' 9.4 100%and construc-tion manage-ment servicesand fellowships

(4) Female teacher 5.2 70% until amountsand student disbursed from tr.escholarships Credit under this

Category have reachedthe equivalent ofUS$2.9 million, 50%thereafter until suchamounts have reacbed theequivalent of US$4.6million and 30%thereafter until suchamounts have reached theequivalent of US$5.2 million

8

SgbaduI2 BfPage 3 of 3

X ofAmount of the Expenditures

Categoxv Credit Allocated to be Financed

(5) Incremental 0.8 70X until amounts disbursedstaff salaries from the Credit under rhis

Category have ieached theequivalent of US$0.4 million50X thereafter until suchamounts have reached theequivalent of US$0.7 million,and 30X thereafter untilsuch amounts have reached theequivalent of US$0.8 million

(6) Unallocated 10.6

TOTAL 115.0

Estimated IDA Disbursements

iDA FY FY93 FY94 FY95 FY96 FY97 FY98 FY99 FY2000

Amnual 6.0 3.0 13.0 25.0 27.0 16.0 14.0 11.0Cumulative 6.0 9.0 22.0 47.0 74.0 90.0 104.0 115.0

9

Schedule C

ISLAMIC REPUBLIC OF PAKISI.i'PUNJAB MIDDLE SCHOOLING PROJECT

Timetable for Key Processing Events

(a) Time taken to prepare: One year and 3 months

(b) Prepared by: Government of the Punjab with IDAassistance

(c) First IDA mission: March 1990

(d) Appraisal Mission Departure: June 28, 1991

(e) Negotiations: January 27, 1992

(f) Planned Date of Effectiveness: July 15, 1992

(g) List of Relevant PCRs and PPARs: 1. First Education Project(Cr. 50-PAK of 1964 for US$8.5million)

2. Second Education Project(Cr. 206-PAK of 1970 for US$8.0million)

3. Third Education Project(Cr. 678-PAK of 1977 for US$15.0million)

4. Fourth Education/First PrimaryProject(Cr. 892-PAK of 1979 for ¢10.0million)

5. Fifth Education/First VocationalTraining Project(Cr. 1109-PAK of 1981 forUS$25.0 million)

10

Schedule DPage 1 of 3

THE STATUS OF BANK GROUP OPERATIONS IN PAKISTANA. STATEMENT OF BANK LOANS AND IDA CREDITS

(As of December 31. 1991)

Amount (USS million)Fiscal (less cancellations)

Loan No Year Borrower Purpose Bank IDA Undisbursed

Fifty-three loans and sixty-three credits have been fully disbursed 1738.69 1592.33

Cr. 0754-PA 1978 Republic of Pakistan Salinity Control and Recimation 70.00 14.68Cr. 0877-PA 1979 Republic of Pakistan Salinity Control and Real. (Mardan) 80.00 2.59Cr. 1243-PA 1982 Republic . Pakistan Balochistan Minor Irrig. & Agr. 14.00 5.07Cr. 1348-PA 1983 Republic of Pakistan Lahore Urban Development 16.00 9.20Cr. 1374-PA 1983 Republic of Pakistan Karachi Water Supply 25.00 0.89Cr. 1375-PA 1983 Republic of Pakistan Fourth Drainage 33.74 18.07Cr. 1461-PA 1984 ReputAic of Pakistan Integrated Hill Farming Dev. 16.82 4.08Cr. 1487-PA 1984 Republic of Pakistan Command Water Management 46.50 19.81Cr. 1480-PA 19S4 Republic of Pakistan Second Small Industries 60.00 4.20Cr. 1532-PA 1985 Republic of Pakistan Left Bank Outfall Drain - Stage 1 150.00 153.09Cr. 1533-PA i985 Republic of Pakistan 8alochistan Agricultural Extension 8.30 2.74

Ln. 2499-PA 1985 Republic of Pakistan Fourth WAPDA Power 100.00 7.89Cr. 1602-PA 1985 Republic of Pakistan Second Primary Education 52.50 38.88Lin. 2668-PA 1985 Republic of Pakistan Fifth WAPDA Power 100.00 12.65Ln. 2648-PA 196 Republic of Pakistan Industrial Investment Credit 148.00 0.94Cr. 1646-PA 1986 Republic of Pakistan Industrial Investment Credit 2.00 1.01Cr. 1652-PA 1986 Republic of Pakistan Karachi Special Development 70.00 42.13Cr. 1670-PA 1988 Republic of Pakistan Second Vocational Training 40.20 29.29Cr. 1693-PA 1986 Republic of Pakistan SCARP Transition Pilot 10.00 5.35Cr. 1699-PA 1986 Republic of Pakistan Agric. Dev. Bank of Pakistan VI 55.00 3.23Ln.2698-PA 1986 Republic of Pakistan Kot Addu Combined Cycle 90.00 8.17Ln. 2743-PA 1987 Republic of Pakistan Telecommunications V 100.00 8.29Cr. 1765-PA 1987 Republic of Pakistan Third Technical Assistance 7.00 6.52Cr. 1762-PA 1987 Republic of Pakistan Agric. Extension IV 42.10 28.22Cr. 1821-PA 1987 Republic of Pakistan Third Primary Education 145.00 120.26Ln. 2792-PA 1987 Republic of Pakistan Power Plant Efficiency 70.00 38.28Ln. 2814-PA 1987 Republic of Pakistan Fourth Highways 152.00 90.10Ln. 2839-PA 1987 Republic of Pakistan Industries III 64.00 4 .S95

Ln. 2842-PA 1987 Republic of Pakistan Refinery Energy Conservation 21.00 17.76Ln. 2884-PA 1988 Republic of Pakistan Cement Industry Modernization 96.00 43.00Cr. 1888-PA 1988 Republic of Pakistan Second Irrigation Systems Rehab 79.50 68.31Cr. 1895-PA 1988 Republic of Pakistan Punjab Urban Development 90.00 68.41Cr. 1936-PA 1988 Republic of Pakistan National Oilseed Oevelopment 20.00 17.04Ln. 2973-PA 1988 Republic of Pakistan National Oilseed Development 31.40 31.40Ln.2982-PA 1988 Republic of Pakistan Private Sector Energy Development 160.00 149.79Cr. 1982-PA 1989 Republic of Pakistan Industrial Investment Credit III 2.00 0.58Ln. 3018-PA 1989 Republic of Pakistan Industrial Investment Credit 1II 148.00 87.43Cr. 1987-PA 1989 Republic of Pakistan Karachi Water Supply 125.00 112.27Ln. 3029-PA 1989 Republic of Pakistan Financial Sector Ln. ll 150.00 75.00

* Ln. 3107-PA 1988 Republic of Pakistan Energy Sector Loan It 250.00 S8.12Cr. 2003-PA 1988 Republic of Pakistan Flood Restoration 40.00 12.56Cr. 2004-PA 1989 Republic of Pakistan Private Tubewell 34.40 12.38Ln. 3147-PA 1990 Republic of Pakistan Power Transmission & Extension 162.00 149.16

11

Schedule DPage 2 of 3

THE STATUS OF BANK GROUP OPERATIONS IN PAKISTANA. STATEMENT OF BANK LOANS AND IDA CREDITS

(As ot December 31. 1991)

Amount (US$ million)Fiscal (less cancollatIons)

Loan No Year Borrower Purpose Bank IDA Undisbursed

Cr. 2078-PA 1990 Republic of Pakistan Rural Eectrilication 37.00 40.89Lo. 3148-PA 1900 Republic of Pakistan Rural Electrification 123.00 123.00Cr. 2102-PA 1990 Republic of Pakistan Sindh Primary Education 112.50 112.53Cr. 2153-PA 1990 Republic of Pakistan Agriculture Credit 1.50 1.89Cr. 3226-PA 1990 Repubic of Pakistan Agriculture Credit 148.50 134.86Cr. 2154-PA 1990 Republic of Pakistan Agriculture Research 57.30 62.39Ln.2884-1-P 1990 Republic of Pakistan Cement Suppl. 56.40 56.40Ln 3107-1-PA 1990 Republic of Pakistan Energy Sector Loan 11 Suppl. 28.00 28.00Ln. 3241-PA t990 Republic of Pakistan Transport Sector Investment 184.00 164.83Ln.3252-PA 1991 Republic of Pakistan Corp. Restructuring 130.00 117.82Ln. 3252-1-P 1991 Republic of Pakistan Corp. Restructuring Suppl. 80.00 60.00Cr. 2228-PA 1991 Republic of Pakistan Rural Water Supply& Sanitation 138.70 135.46Ln. 3318-Pa 1991 Republic of Pakistan Microenterprise 26.00 26.00Cr. 2240-PA 1991 Republic of Pakistan Family Health 45.00 44.68Cr. 2245-PA 1991 Republic of Pakistan Third On-Farm Management 47.30 46.93Ln. 3327-PA 1991 Republic of Pakistan Third On-Farm Management 36.30 36.30Cr. 2257-PA 1991 Republic of Pakistan Second SCARP Transition 20.00 20.8CLn. 3335-PA 1991 Republic of Pakistan Karachi Port Modemization 91.40 91.40

Total 4444.69 3354.69 (a 2923.54ofwhich has been repaid 838.31 152.59

Total now outstanding 3806.38 3202.10

Amount sold 33.09of which has been repaid 32.24

Total undisbursed 2923.64

/a IDA Credits beginning with the 6th Replenishment are denominated in SORe, and are shownin USS equivalents at the time of negotiations. Disbursed amounts are computed at theexchange rate applicable at the date of this statement.Indicates SALISECAL Loans and Credits

12

Page 3 f 3

THE STATUS OF PANK GROUP OPERATIONS IN PAiaSTAN9. STATEMENT OF IfC INVETMENTS

(As of December 31. 1091)

Amount (Smillions)(lest cancelsations)

oat. Borrower Purpose Loan Equity Total

l9o9 Adam j TextWes 0.76 0 0.751987189 Anglo-Suisse Petroueum & Gas 0 6.8 6.8¶98318 Asbestos Cement Cement manufacturing 4.02 0.51 4.531978/824 Attock Petroleum & Gas 15 0.86 16.86198S Cresent Juto Rope &twine 1.86 0.11 2.06t98918 Dawood FertIlizer & Pesticides 18.3 2.92 21.221981 Engro Chemical Fertilier & Peasticides 41.24 8.5 49.74I1a8 Fauji Plastic Manufacturing 1.78 0 1.781988 Foo Cement Cement manufactudng 18.58 0 18.581S900 Fll Mortgageihousingleavings 0 0.68 0.681s62165 Gharibwal Cement manufacturing 5.26 0.42 5.871981 Habib Arkady Grain mill products 3.tC 0.16 3.311989 Hala TetInles 3.26 0.6e 3.921986 Mari gas Peroleum & Gas 48.53 0 48.531979187 Mlilkpak FoodlBrevageJTobacco 2.4 0.4 2.81988 Millat Tractwors Agric. mach. & equipment 4.9 0 4.91s9 NOLC Leasing 5.49 0.37 5.88i96&8tAI81B7188 Packages Container manufacturing 28 1.24 27.241980 Piak. Olifelds Petroleum & Gas 14 1.19 15.191967 Pakistan par Paper Manufacturing 5.38 2.02 7.41990 Pak. Suzuld Motor vehicle manutacWri 18.1 0 18.11983r7519 PICIC OfC 0 3.63 3.631991 PILCO Leasing 6 0 51S83185 PPL Petroleum products 104.5 1.58 108.061980 Premium board Sawmills planning 2.7 0 2.71901 Prudendal Securides Mk. Financing 0 0.41 0.41l990 Rupatl Resins & Ptastics Mfg. 22.38 2 24.381960 SCP Basic Metlas 0.63 0 0.631989 Shams Textdie Textles 2.78 0 2.761989 Sure) Cotton Textis 2.78 0 2.76

Total Gos Commitments 376.81 34.44 411.2S

Loss Cancellations. Termination ExchangesAdjustments Prepayments and SalesWriteofs and Sales 285.92 19 304.91

Total Commitments now held by IFO 90.9 1S.44 106.35

Total Undisbursed (lncluding participants porton) 32.53

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