{"id":6115,"date":"2025-10-29T11:27:43","date_gmt":"2025-10-29T06:27:43","guid":{"rendered":"https:\/\/pkfin.kotenterprises.dev\/?p=6115"},"modified":"2025-10-29T11:27:43","modified_gmt":"2025-10-29T06:27:43","slug":"nbp-reports-record-quarterly-profit-of-rs-23-3-billion-in-3q-2025","status":"publish","type":"post","link":"https:\/\/pkfin.kotenterprises.dev\/?p=6115","title":{"rendered":"NBP Reports Record Quarterly Profit of Rs. 23.3 Billion in 3Q 2025"},"content":{"rendered":"

National Bank of Pakistan<\/a> (NBP) posted record quarterly profit after tax (PAT) of Rs. 23.3 billion for 3QCY25, translating into earnings per share (EPS) of Rs. 10.83, a sharp rise from Rs. 3.1 billion in the same period last year.<\/p>\n

This lifted 9MCY25 profit to Rs. 66.4 billion, marking a 16-times year-on-year increase, mainly driven by stronger spreads, lower interest expense and better non-funded income.<\/p>\n

Net interest income rose 74 percent year-on-year to Rs. 60.7 billion in 3QCY25, helped by improved spreads and a 46 percent drop in interest expense.<\/p>\n

This resulted in a significant improvement in net interest margins (NIMs), which reached 4.04 percent, the highest level since 3QCY15.<\/p>\n

Non-funded income also posted a strong growth of 24 percent year-on-year to Rs. 6.6 billion, supported by higher capital gains and steady FX income, which increased 1 percent to Rs. 1.2 billion.<\/p>\n

Operating expenses increased slightly by 1 percent to Rs. 31 billion. However, the bank\u2019s cost-to-income ratio improved sharply to 40 percent, compared to 64 percent in 3QCY24, reflecting strong operating leverage.<\/p>\n

NBP recorded a reversal of provisions of Rs. 3.9 billion during the quarter, compared to a charge of Rs. 2.9 billion last year.<\/p>\n

On the balance sheet, the bank continued to maintain stability, with deposits rising to Rs. 4.2 trillion as of September 2025.<\/p>\n

NBP\u2019s effective tax rate stood at 53.4 percent in 3QCY25.<\/p>\n","protected":false},"excerpt":{"rendered":"

National Bank of Pakistan (NBP) posted record quarterly profit after tax (PAT) of Rs. 23.3 billion for 3QCY25, translating into earnings per share (EPS) of Rs. 10.83, a sharp rise from Rs. 3.1 billion in the same period last year. This lifted 9MCY25 profit to Rs. 66.4 billion, marking a 16-times year-on-year increase, mainly driven […]<\/p>\n","protected":false},"author":1,"featured_media":5990,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"_FSMCFIC_featured_image_caption":"","_FSMCFIC_featured_image_nocaption":"","_FSMCFIC_featured_image_hide":"","footnotes":""},"categories":[1299],"tags":[],"class_list":["post","format-standard"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t