NBP Profit Down 24% in H1 2026

National Bank of Pakistan (PSX: NBP) documented a profit of Rs.

Key points

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• 36 billion, taking the bank's cost-to-income ratio to approximately 54 percent, compared with around 42 percent in the same quarter last year.
• 48 billion in the second quarter, down 21 percent YoY and 7 percent QoQ.
• The bank's investment-to-deposit ratio stood at 134 percent and its advance-to-deposit ratio at 31 percent in the second quarter.
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National Bank of Pakistan (PSX: NBP) documented a profit of Rs. 32 billion in the first half of calendar year 2026, down 24 percent compared to Rs. 42 billion in the same period last year.

Still, earnings per share for the period reached Rs. 15.27, according to a review by Arif Habib Limited. The bank earned approximately Rs. 16 billion in the second quarter, down 21 percent year-on-year (YoY) but up 1 percent on a quarter-on-quarter (QoQ) basis.

While stable total income provided some backing, the bank's second quarter earnings were pressured mainly by higher operating expenses. The results review did not report any dividend declaration for the period.

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National Bank's net interest income stood at Rs. 48 billion in the second quarter, down 21 percent YoY and 7 percent QoQ. The decline was driven by a 7 percent YoY drop in net interest income to Rs. While interest expense fell 1 percent to Rs, 183 billion. 135 billion.

Non-fund income during the quarter rose 22 percent YoY, backed by Rs. 5.8 billion in capital gains and a 112 percent growth in foreign exchange income to Rs. 3.2 billion. Total income, nevertheless, settled at Rs. 68 billion during the quarter.

Operating expenses rose 15 percent YoY to Rs. 36 billion, taking the bank's cost-to-income ratio to approximately 54 percent, compared with around 42 percent in the same quarter last year. The effective tax rate stood at approximately 51 percent during the quarter.

On the balance sheet, deposits declined 10 percent YoY but rose 3 percent QoQ to Rs. 4.2 trillion. Investments rose 13 percent YoY to Rs. While borrowings surged 87 percent to Rs, 5.7 trillion. 2.8 trillion.

In practice, the bank's investment-to-deposit ratio stood at 134 percent and its advance-to-deposit ratio at 31 percent in the second quarter. Stay Connected with ProPakistani.

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For now, NBP Profit Down 24% in H1 2026 remains the part of the story worth watching, and further updates are likely as more details are confirmed.