The National Bank of Pakistan (NBP) has reported strong financial results for the first half of 2025. Total income reached PKR 157.1 billion, marking a 58% increase compared to the same period last year. This growth highlights NBP’s strong performance in both fund-based and non-fund income.
Despite a decline in gross interest income by 27.4%, NBP reduced its cost of funds by 43%. This led to a 76% rise in net interest income, which stood at PKR 130.6 billion. Non-fund income also increased by 6.3%, reaching PKR 26.6 billion. Fee and commission income grew by 22.3%, showing strength in the bank’s branch operations.
Operating expenses increased by 15.2%, mainly due to inflation and investments in IT and infrastructure. The bank maintained a cautious approach to risk, with a net credit loss allowance of PKR 4.8 billion. Profit before tax surged to PKR 93.2 billion, while profit after tax reached PKR 43.5 billion, the second highest in the industry.
NBP’s total assets grew by 7.1% to PKR 7.2 trillion. Deposits increased, with a strong CASA ratio of 82.9%. Capital adequacy remained solid at 27.28%, reflecting the bank’s financial stability.
The bank resumed dividend payments, announcing an 80% payout per share. This move was well received by investors. NBP’s market capitalization crossed $1 billion, making it the fifth listed bank on the Pakistan Stock Exchange to reach this milestone.
NBP continues to focus on key sectors like agriculture, with an outstanding loan book of about PKR 120 billion. Its Islamic banking division grew 35% year-on-year. The bank also launched the Amirah PayPak Pink Debit Card to promote financial inclusion for women.
NBP’s CEO, Rehmat Ali Hasnie, praised employees for their dedication. He said the bank is focusing on digitalization, innovation, and expanding financial access across Pakistan. NBP remains committed to supporting the country’s economic development and financial inclusion goals.
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