National Bank of Pakistan (PSX:NBP)

National Bank of Pakistan Income Statement

Financials in millions PKR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	852,134	1,089,891	1,025,135	503,576	232,052	258,031
Interest Income on Investments	5,019	5,898	5,205	5,070	4,516	1,835
Total Interest Income	857,153	1,095,789	1,030,339	508,646	236,568	259,867
Interest Paid on Deposits	598,786	918,452	855,780	386,474	134,285	153,652
Net Interest Income	258,367	177,337	174,559	122,172	102,283	106,215
Net Interest Income Growth (YoY)	57.54%	1.59%	42.88%	19.45%	-3.70%	41.14%
Gain (Loss) on Sale of Assets	133.87	15.56	234.18	84.01	71.7	23.05
Gain (Loss) on Sale of Investments	28,891	27,533	4,421	1,123	6,203	7,913
Other Non-Interest Income	40,849	35,794	33,441	32,544	27,822	27,765
Total Non-Interest Income	69,874	63,342	38,096	33,751	34,096	35,701
Non-Interest Income Growth (YoY)	38.54%	66.27%	12.87%	-1.01%	-4.50%	2.83%
Revenues Before Loan Losses	328,241	240,679	212,655	155,923	136,379	141,915
Provision for Loan Losses	4,709	4,503	15,382	13,116	11,659	30,912
Revenue	323,532	236,175	197,273	142,807	124,720	111,003
Revenue Growth (YoY)	56.43%	19.72%	38.14%	14.50%	12.36%	15.13%
Selling, General & Administrative	7,857	4,781	4,168	1,882	2,086	2,003
Other Non-Interest Expense	180,988	175,001	91,278	77,779	59,320	62,440
Total Non-Interest Expense	188,485	179,055	93,974	79,211	61,166	64,619
EBT Excluding Unusual Items	135,047	57,120	103,299	63,595	63,554	46,384
Asset Writedown	-	-	-	1.69	12.38	-
Other Unusual Items	49,014	-	-	-	-9,779	-
Pretax Income	184,130	57,120	103,299	63,597	53,792	46,384
Income Tax Expense	95,323	30,617	49,978	32,648	25,032	15,798
Earnings From Continuing Operations	88,807	26,503	53,321	30,949	28,760	30,586
Minority Interest in Earnings	-785.12	-517.58	-219.8	-114.42	-159.92	-96.17
Net Income	88,022	25,985	53,102	30,835	28,600	30,490
Net Income to Common	88,022	25,985	53,102	30,835	28,600	30,490
Net Income Growth	405.11%	-51.07%	72.21%	7.81%	-6.20%	83.86%
Basic Shares Outstanding	2,128	2,128	2,128	2,128	2,128	2,128
Diluted Shares Outstanding	2,128	2,128	2,128	2,128	2,128	2,128
EPS (Basic)	41.37	12.21	24.96	14.49	13.44	14.33
EPS (Diluted)	41.37	12.21	24.96	14.49	13.44	14.33
EPS Growth	405.06%	-51.08%	72.25%	7.81%	-6.21%	83.95%
Dividend Per Share	8.000	8.000	-	-	1.000	-
Effective Tax Rate	51.77%	53.60%	48.38%	51.34%	46.53%	34.06%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.