Pakistan: Family takaful business grows in 2020; general takaful dips Net contributions in the family takaful market in Pakistan increased by 8.09% to PKR28bn ($174m) in 2020 on the back of significant increases in the renewal contributions by window takaful operators (WTOs). This signifies the growing importance of the WTOs, says the central bank, the State Bank of Pakistan, in its 2020 financial stability review.