National Bank of Pakistan Balance Sheet

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	128,033	189,755	147,637	218,574	283,253	235,794
Investment Securities	4,678,009	4,518,538	4,559,829	3,428,232	2,103,091	1,492,959
Trading Asset Securities	77,454	96,311	46,766	85,967	124,760	98,210
Total Investments	4,755,464	4,614,849	4,606,595	3,514,199	2,227,851	1,591,169
Gross Loans	1,534,669	1,673,683	1,632,481	1,439,231	1,335,640	1,161,134
Allowance for Loan Losses	-270,033	-268,248	-234,007	-208,537	-192,301	-177,238
Other Adjustments to Gross Loans	-	-24.11	-24.33	-24.33	-24.36	-24.74
Net Loans	1,264,636	1,405,411	1,398,450	1,230,669	1,143,314	983,871
Property, Plant & Equipment	73,995	68,828	64,813	64,790	61,701	62,104
Goodwill	562.55	562.55	562.55	562.55	562.55	562.55
Other Intangible Assets	2,419	2,014	1,624	1,539	832.29	459.59
Accrued Interest Receivable	138,785	158,832	190,004	103,307	44,477	41,851
Other Receivables	34,580	23,373	49,399	22,988	20,784	18,456
Restricted Cash	253,437	213,678	190,833	31,285	35,837	31,232
Other Current Assets	47,955	51,698	11,479	34,084	28,910	45,366
Long-Term Deferred Tax Assets	-	-	-	22,406	1,903	-
Other Real Estate Owned & Foreclosed	4,135	4,148	3,973	3,700	4,060	3,968
Other Long-Term Assets	21,913	20,849	3,506	3,663	3,550	2,377
Total Assets	6,725,914	6,753,997	6,668,874	5,251,766	3,857,035	3,017,210
Accrued Expenses	27,947	28,133	26,260	25,109	33,426	30,058
Interest Bearing Deposits	3,096,627	2,846,546	2,395,575	2,088,240	1,949,633	1,508,019
Non-Interest Bearing Deposits	1,159,845	1,018,666	1,277,535	577,033	1,068,515	910,910
Total Deposits	4,256,472	3,865,212	3,673,110	2,665,273	3,018,148	2,418,928
Short-Term Borrowings	1,516,952	1,903,585	2,139,730	1,889,285	207,405	11,774
Current Portion of Long-Term Debt	-	389.68	2,953	8,087	67,267	112,557
Current Portion of Leases	1,893	1,720	1,781	1,780	1,725	1,591
Current Income Taxes Payable	32,858	14,338	-	-	-	-
Accrued Interest Payable	98,807	200,606	197,292	126,885	49,186	38,653
Other Current Liabilities	19,104	37,656	82,829	79,160	69,492	38,102
Long-Term Debt	30,739	34,161	41,737	43,239	38,560	17,432
Long-Term Leases	8,044	6,866	7,110	7,103	6,769	6,476
Long-Term Unearned Revenue	3,101	316.18	124.13	271.13	440.23	1,594
Pension & Post-Retirement Benefits	126,268	120,717	62,754	56,341	45,820	40,944
Long-Term Deferred Tax Liabilities	38,668	40,995	720.18	-	-	2,933
Other Long-Term Liabilities	44,970	35,251	34,938	38,932	23,774	21,765
Total Liabilities	6,205,822	6,289,948	6,271,460	4,941,466	3,562,012	2,742,808
Common Stock	21,275	21,275	21,275	21,275	21,275	21,275
Retained Earnings	346,256	291,579	273,465	220,777	192,859	165,378
Comprehensive Income & Other	150,517	149,796	101,539	67,174	79,875	86,833
Total Common Equity	518,048	462,650	396,280	309,227	294,010	273,486
Minority Interest	2,044	1,399	1,134	1,073	1,013	916.15
Shareholders' Equity	520,092	464,049	397,414	310,300	295,023	274,402
Total Liabilities & Equity	6,725,914	6,753,997	6,668,874	5,251,766	3,857,035	3,017,210
Total Debt	1,557,628	1,946,722	2,193,311	1,949,494	321,726	149,830
Net Cash (Debt)	-1,264,304	-1,660,656	-1,806,487	-1,613,690	368,338	308,938
Net Cash Growth	-	-	-	-	19.23%	-
Net Cash Per Share	-594.26	-780.56	-849.11	-758.49	173.13	145.21
Filing Date Shares Outstanding	2,126	2,128	2,128	2,128	2,128	2,128
Total Common Shares Outstanding	2,126	2,128	2,128	2,128	2,128	2,128
Book Value Per Share	243.65	217.46	186.26	145.35	138.19	128.55
Tangible Book Value	515,066	460,073	394,094	307,126	292,615	272,464
Tangible Book Value Per Share	242.25	216.25	185.24	144.36	137.54	128.07

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