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Commercial Banks

NBP National Bank of Pakistan

Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026

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Last close · 16 Oct 2026

Rs 159.33 +0.04%

Annual · FY2006 – FY2025

National Bank of Pakistan (NBP) income statement

National Bank of Pakistan reported total income of Rs 318.1 bn for FY2025 (Jan – Dec 2025), up 32.8% on FY2024. Net interest income was Rs 253.9 bn, up 43.2% on FY2024, with non-interest income of Rs 64.2 bn. Tax of Rs 93.9 bn took 52.4% of pre-tax profit. Profit attributable to shareholders was Rs 85.0 bn, up 227.2% on FY2024, or Rs 39.97 per share.

NBP income statement (annual) (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 * Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Interest & dividend income 786.4 1,095.8 1,030.3 508.6 236.6
Interest expense (532.5) (918.5) (855.8) (386.5) (134.3)
Net interest income 253.9 177.3 174.6 122.2 102.3
Fee & commission income (net) 34.8 29.3 24.2 22.6 19.3
Foreign exchange income 15.8 5.9 7.7 8.3 6.9
Gain / (loss) on securities 13.5 27.0 4.4 1.1 6.2
Total non-interest income 64.2 62.2 36.4 32.0 32.3
Total income 318.1 239.6 210.9 154.2 134.6
Operating expenses (142.5) (185.8) (107.9) (86.7) (70.8)
Provisions & impairment (loans) 12.8 5.6 13.3 8.0 11.0
Profit before tax 179.3 56.0 101.8 63.1 53.6
Taxation (93.9) (30.6) (50.0) (32.6) (25.0)
Profit after tax 85.4 25.4 51.9 30.5 28.5
Profit attributable to shareholders 85.0 26.0 53.1 30.8 28.6
Per share
EPS – basic (Rs) Rs 39.97 12.21 24.96 14.49 13.44
EPS – diluted (Rs) Rs 39.97 12.21 24.96 14.49 13.44
Dividend per share (Rs) Rs 35.00 8.00 0.00 0.00 0.00
Weighted average shares mn 2,127.5 2,127.5 2,127.5 2,127.5 2,127.5
NBP income statement — year-on-year change (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 * Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Interest & dividend income -28.2% +6.4% +102.6% +115.0% -9.0%
Interest expense -42.0% +7.3% +121.4% +187.8% -12.6%
Net interest income +43.2% +1.6% +42.9% +19.4% -3.7%
Fee & commission income (net) +19.0% +20.9% +7.2% +17.3% -1.3%
Foreign exchange income +167.8% -23.6% -6.5% +20.8% +57.8%
Gain / (loss) on securities -50.1% +511.7% +293.6% -81.9% -21.6%
Total non-interest income +3.1% +71.1% +13.7% -1.0% +1.8%
Total income +32.8% +13.6% +36.8% +14.5% -2.4%
Operating expenses -23.3% +72.2% +24.5% +22.4% -22.6%
Provisions & impairment (loans) +129.9% -58.2% +66.3% -27.2% -62.4%
Profit before tax +220.0% -45.0% +61.3% +17.9% +15.0%
Taxation +206.7% -38.7% +53.1% +30.4% +58.4%
Profit after tax +235.9% -51.0% +70.0% +6.9% -7.3%
Profit attributable to shareholders +227.2% -51.1% +72.2% +7.8% -6.2%
Per share
EPS – basic (Rs) +227.2% -51.1% +72.2% +7.8% -6.2%
EPS – diluted (Rs) +227.2% -51.1% +72.2% +7.8% -6.2%
Dividend per share (Rs) +337.5% — — — —
Weighted average shares — — — — —

Change against the previous fiscal year; shown when the earlier figure is positive.

NBP income statement — common size (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 * Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Interest & dividend income 247.3% 457.4% 488.5% 329.9% 175.8%
Interest expense (167.4%) (383.4%) (405.7%) (250.7%) (99.8%)
Net interest income 79.8% 74.0% 82.8% 79.2% 76.0%
Fee & commission income (net) 10.9% 12.2% 11.5% 14.7% 14.3%
Foreign exchange income 5.0% 2.5% 3.7% 5.4% 5.1%
Gain / (loss) on securities 4.2% 11.3% 2.1% 0.7% 4.6%
Total non-interest income 20.2% 26.0% 17.2% 20.8% 24.0%
Total income 100.0% 100.0% 100.0% 100.0% 100.0%
Operating expenses (44.8%) (77.6%) (51.1%) (56.2%) (52.6%)
Provisions & impairment (loans) 4.0% 2.3% 6.3% 5.2% 8.2%
Profit before tax 56.4% 23.4% 48.3% 41.0% 39.8%
Taxation (29.5%) (12.8%) (23.7%) (21.2%) (18.6%)
Profit after tax 26.8% 10.6% 24.6% 19.8% 21.2%
Profit attributable to shareholders 26.7% 10.8% 25.2% 20.0% 21.2%

Each line as a percentage of total income.

Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.

All reported line items 164
NBP income statement — all reported line items (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Interest & Dividend Income/(Expense) - Net - Finance 253.9 177.3 174.6 122.2 102.3
Interest & Dividend Income - Finance - Total 786.4 1,095.8 1,030.3 508.6 236.6
Interest Income - Loans/Deposits 190.2 247.7 251.1 155.2 92.9
Interest & Fees on Loans & Receivables 183.0 233.2 221.8 141.3 87.3
Interest Income - Deposits to Other Financial Institutions 2.5 3.4 1.3 0.9 1.5
Interest & Dividend Income - Other - Finance 5.3 5.9 5.2 5.1 4.5
Interest Income - Collateralized Financing 4.6 11.1 28.0 13.0 4.1
Interest & Dividend Income - Investment Securities - Finance 591.0 842.2 774.1 348.3 139.2
Net Commission & Fees Income/Expense - Business Revenue 34.8 29.3 24.2 22.6 19.3
Fees & Commissions Income 34.8 29.3 24.2 22.6 19.3
Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance 591.0 842.2 774.1 348.3 139.2
Investments & Loans - Business - Gain/(Loss) 13.5 27.0 4.4 1.1 6.2
Interest Expense - Finance - Total 532.5 918.5 855.8 386.5 134.3
Interest Expense - Operational Financing - Business 526.6 908.4 847.9 380.5 126.6
Interest Expense - Deposits 294.3 475.6 379.2 219.6 95.8
Investment Securities - Business - Gain/(Loss) 13.5 27.0 4.4 1.1 6.2
Interest Expense - Collateralized Financing 232.3 432.8 468.7 160.9 30.8
Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) 9.0 18.0 4.4 1.7 6.3
Interest Expenses - Other - Total — — — — —
Interest Expense - External Financing Business 6.0 10.0 7.8 6.0 7.6
Non-Interest Business Revenue/(Expense) - Net - Total 64.2 62.2 36.4 32.0 32.3
Revenue from Business-Related Activities - Other - Total — — — — —
Derivatives - Hedging - Business - Gain/(Loss) — — — — —
Net Foreign Exchange Income/(Expense) - Business Revenue 15.8 5.9 7.7 8.3 6.9
Trading Investments/Trading Account Income - Gain/(Loss) 4.5 9.1 (0.0) (0.6) (0.1)
Trading Investments - Unrealized Gain/(Loss) 4.5 9.1 (0.0) (0.6) (0.1)
Investment Securities - Business Unclassified - Gain/(Loss) — — — — —
Revenue from Business Activities - Total 318.1 239.6 210.9 154.2 134.6
Selling, General & Administrative Expenses - Total 129.0 179.9 95.1 79.5 61.0
Selling, General & Administrative Expenses - Unclassified 38.6 32.9 30.2 22.7 17.0
Depreciation in Selling, General & Administrative Expenses 7.9 5.0 4.8 4.7 4.6
Amortization of Intangibles in Selling, General & Administrative Expenses 0.7 0.5 0.3 0.4 0.4
Other Operating Expense/(Income) - Net 0.7 0.4 (0.5) (0.9) (1.2)
Other Operating Income - Total 0.6 0.3 1.5 1.7 1.7
Operating Expenses - Total 142.5 185.8 107.9 86.7 70.8
Provision & Impairment for Loan Losses 12.8 5.6 13.3 8.0 11.0
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses 75.6 137.9 57.4 49.6 37.8
Selling, General & Administrative Expenses - Other - Total 6.1 3.4 2.4 2.1 1.2
Advertising Expense 4.3 1.8 1.2 0.9 0.4
Rental Expense 1.8 1.7 1.3 1.1 0.8
Operating Profit before Non-Recurring Income/(Expense) 175.5 53.8 103.0 67.5 63.8
Other Operating Expense 0.2 0.3 0.4 0.1 0.4
Operating Provisions - Increase/(Decrease) 1.0 0.4 0.6 0.7 0.1
Supplementary Adjustments - Operating - Decrease/(Increase) — — — — —
Sale of Tangible & Intangible Fixed Assets - Gain/Loss 0.4 0.0 0.2 0.0 0.1
Other Non-Operating Income/(Expense) - Total — — — — —
Sale of Leased Fixed Assets - Gain/(Loss) 0.2 — — — —
Supplementary Adjustments - Non-Operating - Decrease/(Increase) — — — — —
Normalized Pre-tax Profit 175.9 53.8 103.3 67.5 63.9
Non-Recurring Income/Expense - Total 3.4 2.3 (1.4) (4.4) (10.3)
Impairment - Financial Investments (4.6) (1.5) 1.4 4.4 0.5
Early Extinguishment of Lease Related Debts - Gain/(Loss) 0.0 0.3 — — —
Fair Value Adjustments - Financial Investments (1.3) (0.7) — — —
Sale & Acquisition of Group Companies - Gain/(Loss) — 1.1 — — —
Non-Recurring Income/(Expense) - Other - Total 0.1 — — 0.0 (9.8)
Income before Taxes 179.3 56.0 101.8 63.1 53.6
Equity in Earnings/(Loss) of Affiliates (after Taxes) 0.5 1.1 1.5 0.5 0.2
Income Taxes 93.9 30.6 50.0 32.6 25.0
Income Taxes for the Year - Current 104.2 31.6 53.9 31.9 27.1
Income Taxes - Domestic - Current 105.7 — — — —
Income Taxes - Other (KFAS/NLST) - Current (1.5) — — — —
Income Taxes - Deferred (10.3) (1.0) (5.7) (3.1) (2.1)
Income Taxes - Domestic - Deferred — — — — —
Income Taxes - Other - Deferred — — — — —
Income Taxes - Other (by Type) 0.0 0.0 1.8 3.8 0.0
Net Income after Tax 85.4 25.4 51.9 30.5 28.5
Income before Discontinued Operations & Extraordinary Items 85.9 26.5 53.3 30.9 28.8
Net Income before Minority Interest 85.9 26.5 53.3 30.9 28.8
Minority Interest 0.8 0.5 0.2 0.1 0.2
Net Income after Minority Interest 85.0 26.0 53.1 30.8 28.6
Income Available to Common Shares 85.0 26.0 53.1 30.8 28.6
Other Comprehensive Income - Starting Line 85.9 26.5 53.3 30.9 28.8
Other Comprehensive Income - Foreign Currency (8.1) (5.6) 12.4 10.0 2.0
Other Comprehensive Income - Unrealized Investment Gain/(Loss) 10.4 57.5 22.3 (25.3) (8.7)
Other Comprehensive Income - Revaluation of Tangible & Intangible Assets 0.1 0.8 (0.4) 3.1 (0.2)
Other Comprehensive Income - Other 0.3 0.2 0.2 (0.3) 0.1
Other Comprehensive Income - Pension Related (1.4) (0.5) (0.6) (3.1) (1.3)
Other Comprehensive Income - Net of Tax - Total 1.3 52.4 34.0 (15.6) (8.1)
Comprehensive Income before Minority Interest - Total 87.2 78.9 87.3 15.3 20.7
Comprehensive Income - Attributable to Minority Interest - Total 0.8 0.5 0.2 0.1 0.2
Comprehensive Income - Attributable to Parent Company Equity Holders - Total 86.4 78.4 87.1 15.2 20.5
Earnings Adjustments to Net Income - Other Expense/(Income) — — — — —
DPS - Common - Gross - Issue - By Period End Date Rs 35.00 8.00 0.00 0.00 0.00
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 85.0 26.0 53.1 30.8 28.6
Income available to Common excluding Extraordinary Items 85.0 26.0 53.1 30.8 28.6
Shares used to calculate Basic EPS - Total mn 2,127.5 2,127.5 2,127.5 2,127.5 2,127.5
EPS - Basic - including Extraordinary Items Applicable to Common - Total Rs 39.97 12.21 24.96 14.49 13.44
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total Rs 39.97 12.21 24.96 14.49 13.44
EPS - Basic - excluding Extraordinary Items - Normalized - Total Rs 38.37 11.15 25.64 16.55 18.29
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 85.0 26.0 53.1 30.8 28.6
Earnings Allocation Factor - Basic - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Shares used to calculate Basic EPS - Issue Specific mn 2,127.5 2,127.5 2,127.5 2,127.5 2,127.5
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific Rs 39.97 12.21 24.96 14.49 13.44
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 39.97 12.21 24.96 14.49 13.44
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific Rs 38.37 11.15 25.64 16.55 18.29
EPS - Basic from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00
Comprehensive Earnings Per Share - Basic - Issue Specific Rs 40.60 36.84 40.92 7.15 9.65
Dilution Adjustment — — — — —
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 85.0 26.0 53.1 30.8 28.6
Diluted Income available to Common excluding Extraordinary Items 85.0 26.0 53.1 30.8 28.6
Shares used to calculate Diluted EPS - Total mn 2,127.5 2,127.5 2,127.5 2,127.5 2,127.5
EPS - Diluted - including Extraordinary Items Applicable to Common - Total Rs 39.97 12.21 24.96 14.49 13.44
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total Rs 39.97 12.21 24.96 14.49 13.44
EPS - Diluted - excluding Extraordinary Items - Normalized - Total Rs 38.37 11.15 25.64 16.55 18.29
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 85.0 26.0 53.1 30.8 28.6
Earnings Allocation Factor - Diluted - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Shares used to calculate Diluted EPS - Issue Specific mn 2,127.5 2,127.5 2,127.5 2,127.5 2,127.5
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific Rs 39.97 12.21 24.96 14.49 13.44
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific Rs 39.97 12.21 24.96 14.49 13.44
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific Rs 38.37 11.15 25.64 16.55 18.29
EPS - Diluted from Discontinued Operations & Extraordinary Items Rs 0.00 0.00 0.00 0.00 0.00
Comprehensive Earnings Per Share - Diluted - Issue Specific Rs 40.60 36.84 40.92 7.15 9.65
DPS - Common - Gross - Issue - By Announcement Date Rs 8.00 0.00 0.00 0.00 0.00
DPS - Common - Net - Issue - By Announcement Date Rs 7.20 0.00 0.00 0.00 0.00
Earnings before Interest & Taxes (EBIT) 175.5 53.8 103.0 67.5 63.8
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 184.2 59.3 108.1 72.7 68.9
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments 186.0 61.0 109.4 73.8 69.8
Depreciation & Amortization - Supplemental 8.7 5.5 5.1 5.1 5.1
Depreciation Expense - Total - Supplemental 7.9 5.0 4.8 4.7 4.6
Depreciation - Financial Lease Right-of-Use Assets - Supplemental 2.1 2.1 2.2 2.3 2.1
Amortization - Total - Supplemental 0.7 0.5 0.3 0.4 0.4
Intangible Amortization - Other - Supplemental 0.7 0.5 0.3 0.4 0.4
Amortization of Computer Software - Supplemental — — — — —
Depreciation, Depletion & Amortization - Total 8.7 5.6 5.1 5.2 5.2
Depreciation - Total 8.0 5.0 4.8 4.8 4.7
Amortization of Intangible Assets including Goodwill - Total — — — — —
Amortization of Intangible Assets excluding Goodwill - Total 0.7 0.5 0.3 0.4 0.4
Labor & Related Expenses - Total 75.6 137.9 57.4 49.6 37.8
Labor & Related Expenses - Supplemental 75.6 137.9 57.4 49.6 37.8
Auditor Fees 0.4 0.4 0.4 0.2 0.2
Audit-Related Fees 0.3 0.3 0.3 0.2 0.2
Tax Fees 0.0 0.0 0.0 0.0 0.0
Fees - Other 0.0 0.0 0.0 0.0 0.0
Normalized after Tax Profit 82.0 23.2 53.3 34.9 38.8
Normalized Net Income from Continuing Operations 82.5 24.2 54.8 35.3 39.1
Normalized Net Income - Bottom Line 81.6 23.7 54.5 35.2 38.9
Earnings before Interest & Taxes (EBIT) - Normalized 175.9 53.8 103.3 67.5 63.9
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 184.6 59.3 108.4 72.7 69.0
Loan Losses - Net — — — — —
Loan Recoveries - Actual — — — — —
Loan Losses - Actual 0.1 0.2 0.1 0.2 0.2
Interest Expense on Financial Lease Liabilities - Supplemental 1.2 1.1 0.8 0.9 0.8
Rental/Operating Lease Expense 1.8 1.7 1.3 1.1 0.8
Advertising Expenses - Supplemental 4.3 1.8 1.2 0.9 0.4
Interest Expense 532.5 918.5 855.8 386.5 134.3
Interest & Dividend Income after Loan Loss Provision - Net - Finance 241.1 171.8 161.2 114.2 91.3
Commissions & Fees from Securities Activities 2.8 3.0 3.0 3.0 2.8
Revenue after Loan Provisions - Net - Finance 773.6 1,090.2 1,017.0 500.6 225.6
Operating Expenses 142.5 185.8 107.9 86.7 70.8
Foreign Exchange Gain/(Loss) 15.8 5.9 7.7 8.3 6.9
Selling, General & Administrative Expenses excluding Research & Development Expenses 129.0 179.9 95.1 79.5 61.0
Investment Gain/(Loss) 18.8 32.9 9.6 6.2 10.7
Non-Interest Expense - Bank 126.0 178.0 95.8 83.0 70.0
Income before Taxes & Provision for Loan Losses 192.1 61.6 115.1 71.2 64.6
DPS - Common - Gross - Issue - By Payable Date Rs 8.00 0.00 0.00 0.00 0.00
DPS - Common - Gross - Issue - By Ex Date Rs 8.00 0.00 0.00 0.00 0.00
Tax Adjusted Operating Income 85.0 26.0 53.1 30.8 28.6
Operating Expenses excluding Non-Cash Charges - Total 133.8 180.2 102.8 81.5 65.7
Revenue Net of Interest Expense Before Loan Loss Provision 318.1 239.6 210.9 154.2 134.6
Income from Earning Assets 820.3 1,137.8 1,042.5 517.4 249.5
Income Available to Common Shares before Depreciation & Amortization 93.7 31.5 58.2 36.0 33.8
Commissions and Fees 34.8 29.3 24.2 22.6 19.3
Estimated Tax Rate 0.29× 0.29× 0.29× 0.29× 0.29×
Total Common & Spl DPS -Gross - Issue - By Announcement Date Rs 8.00 0.00 0.00 0.00 0.00

Every line the company reported, in the original order and wording, without regrouping or signs changed.