National Bank of Pakistan Balance Sheet

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	182,531	189,755	147,637	218,574	283,253
Investment Securities	4,859,249	4,518,538	4,559,829	3,428,232	2,103,091
Trading Asset Securities	81,598	96,311	46,766	85,967	124,760
Total Investments	4,940,847	4,614,849	4,606,595	3,514,199	2,227,851
Gross Loans	1,617,198	1,673,683	1,632,481	1,439,231	1,335,640
Allowance for Loan Losses	-277,113	-268,248	-234,007	-208,537	-192,301
Other Adjustments to Gross Loans	-	-24.11	-24.33	-24.33	-24.36
Net Loans	1,340,085	1,405,411	1,398,450	1,230,669	1,143,314
Property, Plant & Equipment	74,215	68,828	64,813	64,790	61,701
Goodwill	562.55	562.55	562.55	562.55	562.55
Other Intangible Assets	2,564	2,014	1,624	1,539	832.29
Accrued Interest Receivable	175,858	158,814	190,004	103,307	44,477
Other Receivables	26,536	26,628	49,399	22,988	20,784
Restricted Cash	256,941	213,678	190,833	31,285	35,837
Other Current Assets	58,233	51,698	11,479	34,084	28,910
Long-Term Deferred Tax Assets	-	-	-	22,406	1,903
Other Real Estate Owned & Foreclosed	4,390	4,148	3,973	3,700	4,060
Other Long-Term Assets	15,636	17,611	3,506	3,663	3,550
Total Assets	7,078,397	6,753,997	6,668,874	5,251,766	3,857,035
Accrued Expenses	29,824	28,133	26,260	25,109	33,426
Interest Bearing Deposits	3,554,106	3,179,909	2,395,575	2,088,240	1,949,633
Non-Interest Bearing Deposits	873,561	685,304	1,277,535	577,033	1,068,515
Total Deposits	4,427,668	3,865,212	3,673,110	2,665,273	3,018,148
Short-Term Borrowings	1,663,899	1,903,585	2,139,730	1,889,285	207,405
Current Portion of Long-Term Debt	4,500	389.68	2,953	8,087	67,267
Current Portion of Leases	1,786	1,720	1,781	1,780	1,725
Current Income Taxes Payable	13,905	14,338	-	-	-
Accrued Interest Payable	135,325	200,606	197,292	126,885	49,186
Other Current Liabilities	34,390	37,656	82,829	79,160	69,492
Long-Term Debt	24,868	34,161	41,737	43,239	38,560
Long-Term Leases	7,097	6,866	7,110	7,103	6,769
Long-Term Unearned Revenue	1,036	316.18	124.13	271.13	440.23
Pension & Post-Retirement Benefits	129,981	120,717	62,754	56,341	45,820
Long-Term Deferred Tax Liabilities	36,293	40,995	720.18	-	-
Other Long-Term Liabilities	29,900	35,251	34,938	38,932	23,774
Total Liabilities	6,540,471	6,289,948	6,271,460	4,941,466	3,562,012
Common Stock	21,275	21,275	21,275	21,275	21,275
Retained Earnings	366,000	291,579	273,465	220,777	192,859
Comprehensive Income & Other	148,962	149,796	101,539	67,174	79,875
Total Common Equity	536,237	462,650	396,280	309,227	294,010
Minority Interest	1,689	1,399	1,134	1,073	1,013
Shareholders' Equity	537,926	464,049	397,414	310,300	295,023
Total Liabilities & Equity	7,078,397	6,753,997	6,668,874	5,251,766	3,857,035
Total Debt	1,702,150	1,946,722	2,193,311	1,949,494	321,726
Net Cash (Debt)	-1,422,022	-1,660,656	-1,806,487	-1,613,690	368,338
Net Cash Growth	-	-	-	-	19.23%
Net Cash Per Share	-668.40	-780.56	-849.11	-758.49	173.13
Filing Date Shares Outstanding	2,128	2,128	2,128	2,128	2,128
Total Common Shares Outstanding	2,128	2,128	2,128	2,128	2,128
Book Value Per Share	252.05	217.46	186.26	145.35	138.19
Tangible Book Value	533,111	460,073	394,094	307,126	292,615
Tangible Book Value Per Share	250.58	216.25	185.24	144.36	137.54

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.