The National Bank of Pakistan (NBP) has announced a record profit of Rs85.9 billion for 2025, marking a sharp 216% increase compared to the previous year.
The bank also declared a 350% cash dividend per share, reflecting strong financial performance and shareholder returns.
Strong financial indicators
According to the bank’s official statement:
- Pre-tax profit: Rs178.9 billion
- Total income: Rs311.7 billion (up 31.9%)
- Capital Adequacy Ratio (CAR): 26.21%
The high capital adequacy ratio indicates a solid buffer against financial risks and underlines the bank’s strengthened balance sheet.
Islamic banking expansion
NBP reported significant growth in its Islamic banking segment:
- Islamic banking assets: Rs651.9 billion
- Growth rate: 95.5%
The expansion signals rising demand for Shariah-compliant financial services in Pakistan.
The bank also contributed Rs93 billion in taxes during the year.
Previous audit concerns
Despite the strong 2025 results, the bank faced scrutiny in August 2024 after an audit report revealed it failed to recover Rs23.35 billion in loans from sugar mills during FY2023–24.
The report, compiled by the Auditor General of Pakistan, stated:
- Rs15.28 billion was lent to sugar mills in 2022
- Rs8.6 billion in interest became due in FY2023–24
- The total outstanding amount of Rs23.35 billion was not recovered
The unrecovered sum was posted as a loss, with the audit report describing it as “critical negligence” by the financial institution.
