National Bank of Pakistan Reports PKR 48.9 Billion Profit After Tax in Nine Months of 2026
National Bank of Pakistan Reports PKR 48.9 Billion Profit in 9M 2026
National Bank of Pakistan (NBP) has reported a Profit After Tax (PAT) of PKR 48.9 billion for the nine months ended September 30, 2026, with earnings per share (EPS) of PKR 22.98. The bank recorded total income of PKR 193.6 billion despite operating in a lower interest-rate environment and facing a challenging comparison with the exceptionally strong performance of the same period last year. NBP’s Board of Directors approved the interim financial statements at a meeting held on October 28, 2026.
NBP Records PKR 156.1 Billion Net Interest Income
The bank’s gross interest income stood at PKR 562.6 billion, representing a 6.4% year-on-year decline, primarily due to lower average interest rates. Income from its investment portfolio reached PKR 427.1 billion, while the cost of funds amounted to PKR 406.5 billion, resulting in net interest income of PKR 156.1 billion. Non-fund income totalled PKR 37.5 billion, supported by a 24.3% increase in foreign exchange income to PKR 5.9 billion and a 33.4% rise in dividend income to PKR 5.2 billion. Fee and commission income reached PKR 17.9 billion, while capital gains stood at PKR 9.8 billion.
NBP Total Assets Grow to PKR 7.75 Trillion
National Bank of Pakistan’s total assets increased by 9.7% to PKR 7.75 trillion, compared with PKR 7.07 trillion at the end of 2025. Net advances grew by 1.7% to PKR 1.36 trillion, while investments at cost reached PKR 5.29 trillion, mainly supported by government securities. Total deposits stood at PKR 4.01 trillion, with core deposits accounting for 89.5% of the deposit base. Current accounts reached PKR 1.89 trillion, representing 47.3% of total deposits. Meanwhile, operating expenses increased by 8.8% to PKR 96.8 billion, with the cost-to-income ratio recorded at 50%.
NBP Maintains Strong Capital Position and AAA Credit Rating
During the reporting period, NBP distributed a dividend of PKR 35 per share for 2025, amounting to PKR 74.5 billion. Following the payout, the bank’s net assets stood at PKR 470.2 billion, while its Capital Adequacy Ratio (CAR) remained at 21.12% and Tier 1 capital ratio at 16.46%, comfortably above regulatory requirements. The bank’s standalone credit rating of AAA, the highest rating awarded to a bank in Pakistan, was also reaffirmed by PACRA and VIS Credit Rating. The Federal Government appointed Imran Sarwar as NBP President and CEO for a three-year term on September 3, 2026. Commenting on the results, he highlighted the bank’s customer trust, workforce dedication and financial resilience.
NBP Strengthens Digital Banking and Financial Inclusion Initiatives
NBP continues to support key sectors of Pakistan’s economy, including agriculture, small and medium-sized enterprises (SMEs), microfinance and Islamic banking through its Aitemaad network. The bank is also advancing its digital transformation strategy, integrating environmental, social and governance (ESG) principles into its operations, expanding green banking products and strengthening corporate social responsibility initiatives. Established in 1949, National Bank of Pakistan remains focused on financial inclusion and supporting the country’s socio-economic development under its tagline, “Ek Azm, Ek Pehchan – National Bank Aur Pakistan.”
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