The National Bank of Pakistan announced a record-breaking profit of Rs85.9 billion for the year 2025, marking a 216% increase compared to the previous year. The bank also declared a cash dividend of 350% per share, highlighting its strong financial performance.
According to the official statement, the National Bank’s pre-tax profit reached Rs178.9 billion, while total income rose by 31.9% to Rs311.7 billion. The bank maintained a healthy capital adequacy ratio of 26.21%, reflecting a robust financial position.
Islamic banking assets saw remarkable growth of 95.5%, reaching Rs651.9 billion. During 2025, the National Bank contributed Rs93 billion in taxes, underscoring its role in supporting Pakistan’s economy.
However, the bank also faced challenges in loan recovery. In August 2024, an audit report by the Auditor General of Pakistan revealed that the National Bank failed to recover Rs23.35 billion from sugar mills. The bank had lent Rs15.28 billion in 2022, and interest of Rs8.6 billion was due in FY2023-24, but the amount remained unrecovered.
The auditor described this non-recoverable loan as a sign of “critical negligence” by the financial institution. The total Rs23.35 billion was booked as a loss, highlighting the challenges faced in the bank’s credit operations.
Despite the loan recovery issue, analysts say the overall performance of the National Bank in 2025 demonstrates strong growth, especially in income generation and Islamic banking. The bank’s focus on financial stability and profitability positions it as a leading public sector bank in Pakistan.
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With record profits, robust capital, and increasing assets, the National Bank of Pakistan continues to strengthen its role in the country’s banking sector while addressing past operational challenges.
