NBP National Bank of Pakistan
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 158.23 -0.65%
Financials
National Bank of Pakistan (NBP) financials
20 years of annual results (FY2006 – FY2025), 80 quarters.
National Bank of Pakistan (NBP) reported total income of Rs 318.1 bn for FY2025 (Jan – Dec 2025), up 32.8% from FY2024.
Profit attributable to shareholders was Rs 85.0 bn (EPS Rs 39.97), up 227.2%.
It declared a dividend of Rs 35.00 per share for FY2025.
Deposits stood at Rs 4.43 tn and net advances at Rs 1.28 tn, an advances-to-deposits ratio of 28.9%.
Return on equity was 17.0%.
Over the last five years total income grew at a compound 18.2% a year.
At Rs 158.23 (close on 16 Oct 2026) the shares trade at 4.5× earnings (TTM to Jun 2026) and 0.72× book value, with a dividend yield of 22.1%.
Fundamentals
NBP at a glance
Total income · FY2025
Rs 318.1 bn
▲ 32.8% year on year
Profit attributable to shareholders · FY2025
Rs 85.0 bn
▲ 227.2% year on year
EPS – basic (Rs) · FY2025
Rs 39.97
▲ 227.2% year on year
Dividend per share (Rs) · FY2025
Rs 35.00
▲ 337.5% year on year
Deposits · FY2025
Rs 4.43 tn
▲ 14.6% year on year
Return on equity (ROE) · FY2025
17.0%
Financial statements
Income statement
Revenue, costs, profit and earnings per share.
- Total income · FY2025
- Rs 318.1 bn
- Profit attributable · FY2025
- Rs 85.0 bn
Balance sheet
Assets, liabilities, debt and shareholders' equity.
- Total assets · FY2025
- Rs 7.08 tn
- Equity · FY2025
- Rs 536.2 bn
Financial highlights
NBP financial results
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 * Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net interest income | 253.9 | 177.3 | 174.6 | 122.2 | 102.3 | 106.2 | 75.3 | 63.4 | 58.1 | 58.2 |
| Total non-interest income | 64.2 | 62.2 | 36.4 | 32.0 | 32.3 | 31.8 | 28.9 | 32.9 | 27.4 | 26.7 |
| Total income | 318.1 | 239.6 | 210.9 | 154.2 | 134.6 | 138.0 | 104.2 | 96.3 | 85.6 | 84.9 |
| Operating expenses | (142.5) | (185.8) | (107.9) | (86.7) | (70.8) | (91.5) | (73.0) | (66.1) | (51.6) | (49.2) |
| Provisions & impairment (loans) | 12.8 | 5.6 | 13.3 | 8.0 | 11.0 | 29.2 | 8.5 | 8.8 | 1.2 | 0.7 |
| Profit before tax | 179.3 | 56.0 | 101.8 | 63.1 | 53.6 | 46.6 | 29.0 | 30.2 | 36.7 | 37.6 |
| Profit attributable to shareholders | 85.0 | 26.0 | 53.1 | 30.8 | 28.6 | 30.5 | 16.6 | 19.9 | 23.2 | 23.0 |
| EPS – basic (Rs) Rs | 39.97 | 12.21 | 24.96 | 14.49 | 13.44 | 14.33 | 7.79 | 9.36 | 10.90 | 10.83 |
| Dividend per share (Rs) Rs | 35.00 | 8.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 7.50 |
| Advances (net) | 1,279.9 | 1,370.1 | 1,371.9 | 1,198.0 | 1,080.0 | 954.2 | 969.2 | 901.0 | 715.1 | 668.9 |
| Deposits | 4,427.7 | 3,865.2 | 3,673.1 | 2,665.3 | 3,018.1 | 2,418.9 | 2,198.0 | 2,011.3 | 1,727.1 | 1,657.1 |
| Total assets | 7,078.4 | 6,754.0 | 6,668.9 | 5,251.8 | 3,857.0 | 3,017.2 | 3,132.4 | 2,803.9 | 2,511.5 | 2,014.6 |
| Equity attributable to shareholders | 536.2 | 462.6 | 396.3 | 309.2 | 294.0 | 273.5 | 238.4 | 210.2 | 178.9 | 179.4 |
| Rs bn | TTM to Jun 2026 | Q2 FY2026 Apr – Jun 2026 | Q1 FY2026 Jan – Mar 2026 | Q4 FY2025 Oct – Dec 2025 | Q3 FY2025 Jul – Sep 2025 | Q2 FY2025 Apr – Jun 2025 | Q1 FY2025 Jan – Mar 2025 | Q4 FY2024 Oct – Dec 2024 | Q3 FY2024 Jul – Sep 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Net interest income | 223.9 | 51.0 | 52.9 | 59.2 | 60.8 | 62.3 | 71.5 | 67.5 | 34.6 |
| Total non-interest income | 65.4 | 17.5 | 10.4 | 21.4 | 16.0 | 15.3 | 11.1 | 28.0 | 10.9 |
| Total income | 289.4 | 68.5 | 63.3 | 80.7 | 76.9 | 77.7 | 82.6 | 95.5 | 45.5 |
| Operating expenses | (137.8) | (34.7) | (27.5) | (45.3) | (30.4) | (31.8) | (34.8) | (105.6) | (31.6) |
| Provisions & impairment (loans) | (0.4) | (3.7) | (3.8) | 7.8 | (0.7) | 0.0 | 5.6 | 4.7 | 2.7 |
| Profit before tax | 154.4 | 33.2 | 35.1 | 36.5 | 49.6 | 46.2 | 47.1 | 40.8 | 14.4 |
| Profit attributable to shareholders | 74.8 | 16.3 | 16.1 | 19.3 | 23.0 | 20.8 | 21.9 | 22.4 | 3.0 |
| EPS – basic (Rs) Rs | 35.18 | 7.68 | 7.58 | 9.09 | 10.82 | 9.77 | 10.29 | 10.55 | 1.39 |
| Dividend per share (Rs) Rs | 35.00 | 0.00 | 0.00 | 35.00 | 0.00 | 0.00 | 0.00 | 8.00 | 0.00 |
| Advances (net) | 1,264.9 | 1,264.9 | 1,225.6 | 1,279.9 | 1,218.5 | 1,277.9 | 1,248.8 | 1,370.1 | 1,211.8 |
| Deposits | 4,214.4 | 4,214.4 | 4,106.7 | 4,427.7 | 4,256.5 | 4,703.1 | 3,890.1 | 3,865.2 | 4,100.8 |
| Total assets | 7,853.0 | 7,853.0 | 7,195.9 | 7,078.4 | 6,725.9 | 7,236.8 | 6,840.9 | 6,754.0 | 7,145.8 |
| Equity attributable to shareholders | 470.5 | 470.5 | 436.4 | 536.2 | 518.0 | 492.8 | 447.4 | 462.6 | 416.7 |
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets. Free cash flow and book value per share are calculated by Smart Money; TTM = the latest four quarters. Updated 16 Oct 2026.