NBP posts remarkable growth in half-year performance

MG News | August 29, 2025 at 09:58 AM GMT+05:00

0:00

August 29, 2025 (MLN): National Bank of Pakistan (PSX: NBP) has released its consolidated financial results for the half year ended June 30, 2025, posting a profit after tax of Rs43.08 billion [EPS: Rs20.05], compared to Rs940.44 million [EPS: Rs0.33] in the same period last year (SPLY), reflecting a substantial increase of 4,480.64%.

As per the consolidated statement of profit and loss, net mark-up/interest income surged by 75.43% YoY to Rs130.63bn in 1HCY24, up from Rs74.46bn reported in SPLY.

This came despite a 27.42% decline in mark-up earned to Rs410.94bn from Rs566.19bn, and a 42.99% fall in mark-up expensed to Rs280.31bn from Rs491.73bn.

Total non-mark-up/interest income clocked in at Rs29.78bn, up 8.03% YoY against Rs27.56bn.

Fee and commission income rose by 34.27% to Rs18.24bn, while dividend income inched up 2.49% to Rs3.21bn.

Foreign exchange income, however, fell 15.62% YoY to Rs3.53bn.

Gains on securities dropped 20.77% to Rs4.63bn, while other income surged 682.56% to Rs767.46m.

The bank also reported a net loss of Rs655.45m on derecognition of financial assets at amortised cost.

On the expenses side, total non-mark-up/interest expenses increased 16.72% YoY to Rs61.18bn, with operating expenses rising 16.70% to Rs61.15bn.

Profit before credit loss allowance/provisions doubled by 100.02% to Rs99.22bn, compared to Rs49.61bn in SPLY.

Credit loss provisions stood at Rs5.95bn, compared to a reversal of Rs1.03bn last year.

The bank’s profit before taxation jumped massively to Rs93.27bn, representing a 5,649.82% rise from Rs1.62bn last year.

Taxation surged to Rs50.19bn from Rs681.72m, a 7,262.72% increase.

Out of the total profit, Rs42.66bn was attributable to equity holders of the bank, while Rs414.84m was attributable to non-controlling interest.

Consolidated Statement of Profit and Loss for the Half Year Ended June 30, 2025 (Rs '000')
Particulars	Jun-25	Jun-24	%Change
Mark-up / return / interest earned	410,941,321	566,192,188	-27.42%
Mark-up / return / interest expensed	280,311,315	491,727,901	-42.99%
Net mark-up / interest income	130,630,006	74,464,287	75.43%
Fee and commission income	18,241,725	13,585,831	34.27%
Dividend income	3,205,976	3,128,058	2.49%
Foreign exchange income	3,530,867	4,184,438	-15.62%
Income / (loss) from derivatives	–	–
Gain on securities – net	4,629,815	5,843,663	-20.77%
Net loss on derecognition of financial assets (at amortised cost)	(655,451)	–
Share of profit from joint venture – net of tax		604,843
Share of profit from associates – net of tax	54,861	118,360	-53.65%
Other income	767,455	98,070	682.56%
Total non mark-up / interest income	29,775,248	27,563,263	8.03%
Total income	160,405,254	102,027,550	57.22%
Operating expenses	61,151,420	52,399,236	16.70%
Other charges	31,686	21,640	46.42%
Total non mark-up / interest expenses	61,183,106	52,420,876	16.72%
Profit before credit loss allowance / provisions	99,222,148	49,606,674	100.02%
Credit loss allowance / provisions (net)	5,950,978	(1,029,849)
Extra ordinary / unusual items – Pension expense	–	49,014,365
PROFIT / (LOSS) BEFORE TAXATION	93,271,170	1,622,158	5649.82%
Taxation	50,193,053	681,719	7262.72%
PROFIT / (LOSS) AFTER TAXATION	43,078,117	940,439	4480.64%
Attributable to Equity holders of the Bank	42,663,280	699,486	5999.23%
Attributable to Non-controlling interest	414,837	240,953	72.17%
Basic and diluted earnings per share	20.05	0.33	5975.76%

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