National Bank of Pakistan (NBP) Financial Statements, Ratios & Dividends
About
National Bank of Pakistan engages in the provision of commercial banking and related services. It operates through the following segments: Retail Banking Group, Inclusive Development Group, Corporate and Investment Banking Group, Treasury, International, Financial Institution and Remittance Group, Aitemaad and Islamic Banking Group, and Head Office and Others. The Retail Banking Group segment includes retail lending and deposits, banking services, cards, and branchless banking. The Inclusive Development Group segment consists of loans to individuals, agriculture, SME, commodity, and commercial customers. The Corporate and Investment Banking Group segment offers financial services to medium and large-sized public and private sector entities. The Treasury segment is associated with fixed income, equity, foreign exchange, credit, funding, own position securities, lending and borrowings, and derivatives for hedging and market making. The International, Financial Institution and Remittance Group segment focuses on the results of all international branches, correspondent banking business, and global remittances. The Aitemaad and Islamic Banking Group segment provides shariah compliant services to customers including loans, deposits, and other transactions. The Head Office and Others segment refers to the head office related activities and other functions which cannot be classified in any of the above segments. The company was founded on November 9, 1949 and is headquartered in Karachi, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 850.13B | 1.16T | |
| Net Income | 85.03B | 25.99B | |
| EPS | 39.97 | 12.21 | |
| ROE | 17.03% | 6.05% | |
| ROA | 1.22% | 0.39% | |
| Net Margin | 26.77% | 10.80% | |
| Current Ratio | 0.11 | 0.11 | |
| DPS | 35.00 | 8.00 | |
| Free Cash Flow | -20.37B | 68.44B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Interest Income | 786.45B | 1.10T | |
| Total Interest Expense | -532.54B | -918.45B | |
| Net Interest Income | 253.91B | 177.34B | |
| Loan Loss Provision | -12.80B | -6.13B | |
| Net Interest Income after LLP | 241.11B | 171.21B | |
| Non-Interest Income | 63.68B | 63.34B | |
| Commissions & Fees | 34.62B | 29.11B | |
| Foreign Exchange Income | 15.84B | 5.91B | |
| Non-Interest Expense | -130.02B | -179.81B | |
| Labor & Personnel | -75.48B | -137.83B | |
| Total Revenue | 850.13B | 1.16T | |
| Operating Income | 174.77B | 54.73B | |
| Pre-Tax Income | 179.30B | 56.04B | |
| Income Tax | -93.91B | -30.62B | |
| Minority Interest | -846.14M | -517.58M | |
| Net Income | 85.03B | 25.99B | |
| EPS (Basic) | 39.97 | 12.21 | |
| EPS (Diluted) | 39.97 | 12.21 | |
| Non-Interest Income / Revenue | 20.05% | 26.32% | |
| Operating Margin | 55.03% | 22.74% | |
| Net Margin | 26.77% | 10.80% | |
| Pre-Tax Margin | 21.09% | 4.83% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Regulatory Capital | |||
| CET1 Ratio | 19.94% | 20.68% | |
| Tier 1 Capital Ratio | 19.94% | 20.68% | |
| Tier 2 Capital Ratio | 6.57% | 7.37% | |
| Total Capital Ratio | 26.51% | 28.05% | |
| Tier 1 Capital | 416.13B | 359.00B | |
| Risk-Weighted Assets | 2.09T | 1.74T | |
| Asset Quality | |||
| Non-Performing Loans | 445.98B | 538.73B | |
| NPL Ratio (NPL/Gross Loans) | 0.27% | 0.31% | |
| Loan Loss Coverage | -0.29% | -0.14% | |
| NPL / Loan Loss Reserve | 1.61 | 2.01 | |
| Reserve / Gross Loans | 0.17% | 0.15% | |
| Profitability | |||
| Return on Equity (ROE) | 17.03% | 6.05% | |
| Return on Assets (ROA) | 1.22% | 0.39% | |
| Operating Margin | 55.03% | 22.74% | |
| Net Margin | 26.77% | 10.80% | |
| Yield on Earning Assets | 12.64% | 18.05% | |
| Interest Income / Deposits | 6.71% | 5.21% | |
| Deposit & Loan Structure | |||
| Deposits / Total Assets | 0.55% | 0.54% | |
| Loans / Deposits (ADR) | 0.43% | 0.48% | |
| Loans / Total Assets | 0.24% | 0.26% | |
| Equity / Deposits | 0.14% | 0.13% | |
| Cash / Deposits | 1.36% | 1.35% | |
| CASA Ratio | 0.45% | 0.44% | |
| Per Share | |||
| Book Value Per Share | 252.05 | 217.46 | |
| Tangible Book Per Share | 250.58 | 216.25 | |
| Shares & Market | |||
| Total Shares Outstanding | 2,127,513,026 | 2,127,513,026 | |
| Market Cap | 515.24B | 142.37B | |
| Enterprise Value | 2.35T | 2.00T | |
| Employees | 15,886 | 15,552 | |
| Shareholders | 10,571 | 10,571 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 35.00 | 8.00 | |
| Dividend Yield | 14.45% | 11.95% | |
| Payout Ratio | 87.57% | 65.50% | |
| Total Dividends Paid | -17.58B | -253.00M |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 6.06 | 5.48 | |
| P/B Ratio | 0.96 | 0.31 | |
| P/S Ratio | 1.62 | 0.59 | |
| P/CF Ratio | — | 1.85 | |
| Market Cap | 515.24B | 142.37B | |
| Enterprise Value | 2.35T | 2.00T |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 802.14B | |
| Operating Income | 150.14B | |
| Net Income | 74.85B | |
| Free Cash Flow | -142.44B | |
| EPS (Basic) | 35.18 | |
| Margins | ||
| Operating Margin | 52.08% | |
| Net Margin | 25.96% | |
| Returns | ||
| Return on Equity (ROE) | 15.54% | |
| ROIC | 0.12% | |
| Coverage & Debt | ||
| Dividend Coverage | -0.66 | |
| Debt / Revenue | 4.10 | |
| Valuation & Scores | ||
| P/E (TTM) | 4.57 | |
| Sloan Ratio | 11.28 | |
| Zmijewski Score | 0.96 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 17.03% | |
| Return on Tangible Equity | 17.12% | |
| Return on Tangible Assets | 1.22% | |
| Return on Total Capital | 6.50% | |
| ROCE | 10.30% | |
| Growth | ||
| EPS Diluted Growth | 2.27% | |
| Sustainable Growth Rate | 2.12% | |
| Quality & Risk Scores | ||
| Zmijewski Score | 0.86 | |
| Sloan Ratio | 4.56 | |
| Valuation (Computed) | ||
| Graham Number | 476.09 | |
| Tobin's Q Ratio | 0.07 | |
| Leverage & Coverage | ||
| Total Debt / Capital | 0.80% | |
| Assets / Equity (Leverage) | 13.30 | |
| Effective Interest Rate | 0.27% | |
| Debt / Revenue | 2.59 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 11.89 | |
| Dividends (Computed) | ||
| Dividend Coverage | 0.12 | |
| Share Buyback Ratio | 0.00 | |
| Per Employee | ||
| Revenue / Employee | 19.99M | |
| Net Income / Employee | 5.35M | |
| Oper. Income / Employee | 11.00M | |
| Total Assets / Employee | 448.79M | |
| Balance Sheet (Computed) | ||
| Earnings Schedule | ||
| Next Earnings Date | 19 Feb 2027 | |
| Next Fiscal Period | 2026 | |