NBP reports Rs48.9 billion profit after tax for nine months of 2026
National Bank of Pakistan posted a profit after tax of Rs48.9 billion for the nine months ended September 30, 2026. Total income was Rs193.6 billion and total assets rose to Rs7,753.1 billion.
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- NBP's profit after tax was Rs48.9 billion for 9M'26, with earnings per share of Rs22.98
- Total income was Rs193.6 billion; total assets grew 9.7% to Rs7,753.1 billion
- Capital Adequacy Ratio stood at 21.12% and the AAA standalone rating was reaffirmed
The board of directors of National Bank of Pakistan (NBP) approved the bank's interim condensed financial statements for the nine months ended September 30, 2026. The bank reported total income of Rs193.6 billion and profit after tax of Rs48.9 billion, equal to earnings per share of Rs22.98.
The results came in a lower interest-rate environment. The comparative period a year earlier had benefited from a falling policy rate, higher net interest income and stronger capital-market gains.
Gross interest income was Rs562.6 billion, down 6.4% year on year. Income from the investment portfolio was Rs427.1 billion, with the portfolio favouring shorter-duration government securities. Cost of funds was Rs406.5 billion, leaving net interest income at Rs156.1 billion.
Non-fund income totalled Rs37.5 billion. Foreign-exchange income rose 24.3% to Rs5.9 billion and dividend income rose 33.4% to Rs5.2 billion. Fee and commission income was Rs17.9 billion amid lower business volumes, while capital gains were Rs9.8 billion against Rs13.3 billion in the same period of 2025.
Operating expenses rose 8.8% to Rs96.8 billion, compared with a 9.3% increase a year earlier. The cost-to-income ratio was 50.0%.
Total assets grew 9.7% to Rs7,753.1 billion from Rs7,067.0 billion at the end of 2025. Net advances rose 1.7% to Rs1,360.8 billion, and investments at cost rose to Rs5,290.5 billion, mainly in government securities. After rationalising some high-cost deposits, total deposits were Rs4,012.7 billion. Core sticky deposits were Rs3,591.1 billion, or 89.5% of the total, and current accounts were Rs1,896.9 billion, or 47.3%.
The bank paid a dividend of Rs35 per share for 2025, amounting to Rs74.5 billion. Net assets after the payout were Rs470.2 billion and total eligible capital was Rs478.2 billion. The Capital Adequacy Ratio was 21.12%, the Tier 1 ratio 16.46% and the leverage ratio 3.69%. PACRA and VIS Credit Rating reaffirmed the bank's standalone AAA rating.
The federal government appointed Imran Sarwar as President and CEO for three years on September 3, 2026. The NBP president said the bank's strength lies in the trust of its customers, the dedication of its people and the resilience of its balance sheet.
Why it matters
NBP is one of Pakistan's largest state-owned banks, so its results reflect the condition of a bank that many depositors and borrowers rely on.
