KARACHI (MNN); The Board of Directors of National Bank of Pakistan has approved the audited financial results for the year ended December 31, 2025, reporting the highest net profit in the bankās history at Rs85.9 billion.
The board proposed a final cash dividend of 350 percent, equivalent to Rs35 per share, with a total payout of Rs75 billion. The dividend will be subject to approval at the upcoming 77th Annual General Meeting.
The bank recorded a pre-tax profit of Rs178.9 billion, marking a 216 percent increase compared to Rs56.7 billion in 2024. Profit after tax surged 220 percent, while earnings per share climbed to Rs40.4 from Rs12.6 the previous year.
Net mark-up and interest income rose 45.4 percent year-on-year to Rs248.5 billion. The growth was attributed to a reduction in the cost of funds to 8.8 percent from 15.8 percent, prudent balance sheet management, and a stronger funding mix.
Total income grew 31.9 percent to Rs311.7 billion. Operating expenses declined significantly to Rs124.8 billion from Rs177.4 billion, reflecting cost optimisation measures and the absence of one-off charges. Pre-provision profit jumped 217 percent to Rs186.9 billion, while net credit loss allowances remained contained at Rs8.0 billion.
Total assets increased 4.8 percent to Rs7,066.9 billion. Deposits rose 14.6 percent to Rs4,429.3 billion, maintaining a CASA ratio of 81.3 percent. Net investments expanded 6.7 percent to Rs4,922.1 billion, while net advances stood at Rs1,338.1 billion.
The bankās total eligible capital reached Rs543.7 billion against risk-weighted assets of Rs2.0 trillion. The Capital Adequacy Ratio stood at 26.21 percent, with CET-1 at 20.21 percent. The Liquidity Coverage Ratio was reported at 213 percent, and the Net Stable Funding Ratio at 171 percent, all exceeding regulatory thresholds set by the State Bank of Pakistan.
Stage-3 loans declined 17.2 percent to Rs223.0 billion, with a coverage ratio of 94.6 percent. The bank also maintained additional precautionary credit loss allowances of Rs57 billion.
NBP Aitemaad demonstrated notable growth, with total assets nearly doubling to Rs651.9 billion and deposits rising 80.6 percent to Rs558.9 billion. Pre-tax profit increased 117.1 percent to Rs13.7 billion, while the Islamic banking network expanded to 662 touchpoints nationwide.
Investor confidence strengthened considerably, as market capitalisation grew tenfold over the past two years to approximately 2.0 billion dollars. In 2025, the bank contributed Rs93.0 billion in income taxes. Of the proposed dividend, Rs57.0 billion will be payable to the Government of Pakistan and the State Bank of Pakistan.
Over the past three years, shareholdersā equity rose from Rs300.8 billion to Rs531.4 billion.
Commenting on the performance, Rehmat Ali Hasnie, President and Chief Executive Officer, said that 2025 marked a transformative year for the bank, driven by macroeconomic stability, operational efficiencies, and diversified growth. He reaffirmed the bankās commitment to supporting small and medium enterprises, agriculture, rural communities, and inclusive finance, adding that with a strengthened balance sheet and clear strategic direction, the bank is well positioned for sustainable growth.
