National Bank of Pakistan
PPSX:NBP153.33
PKR
-3.72
(-2.37%)
ISIN
PK0078001010
Return %
Stock
S&P 500
1Y
-28.74
14.20
3Y
539.67
81.12
5Y
334.24
68.34
Capital Structure
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in mil. unless spec.Quarterly Revenue
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in mil. unless spec.Company Description
- CEO
- Imran Sarwar
- Full Time Employees
- 15,886
- Sector
- Finance
- Industry
- Major banks
- Address
- Karachi Pakistan
- IPO Date
- Mar 6, 2002
- Website
- nbp.com.pk
- Similar Companies
- Business
- National Bank of Pakistan is a state-owned multinational commercial bank and financial services institution that provides retail, commercial, corporate, investment, and Islamic banking services, as well as treasury and agency operations, to individuals, small and medium enterprises (SMEs), agricultural enterprises, corporations, public sector entities, and the Government of Pakistan. Founded in 1949 and headquartered in Karachi, Pakistan, the bank operates as a Domestic Systemically Important Bank (D-SIB) and functions as an agent and trustee of public funds on behalf of the State Bank of Pakistan. The bank's operations are organized across key business segments, including Retail Banking, Corporate and Investment Banking, Commercial Banking, Treasury, Islamic Banking, and International Operations. The bank provides a comprehensive portfolio of financial products and services, comprising: Retail Banking Solutions (current accounts, savings accounts, fixed-term deposits, personal loans, home mortgages, auto finance, and debit card products, including PayPak and UnionPay International cards); Corporate and Commercial Banking Services (working capital facilities, term finance, project financing, syndicated loans, structured debt, letters of credit, bank guarantees, and export-import trade finance); Shariah-Compliant Banking through its NBP Aitemaad division (Islamic deposit accounts, Murabaha, Ijarah, Diminishing Musharakah, and Islamic trade facilities); Agricultural and Rural Credit (crop production financing, farm mechanization loans, livestock credit, and specialized micro-agri lending); Treasury and Capital Market Services (foreign exchange dealing, money market operations, sovereign and corporate debt securities trading, equity underwriting, and liquidity management); Digital and Transaction Banking (the NBP Digital mobile application, internet banking, utility and tax payment collection, Roshan Digital Accounts for overseas Pakistanis, cross-border remittances, and QR-based merchant solutions); and Wealth Management and Investment Services (mutual fund management, voluntary pension schemes, equity brokerage, and foreign exchange remittances through subsidiaries and affiliates including Taurus Securities Limited, NBP Fund Management Limited, and NBP Exchange Company Limited). Geographically, the bank maintains an extensive domestic network of more than 1,500 branches across Pakistan, complemented by overseas branches, representative offices, and regional subsidiaries across Asia, Europe, and North America, with active cross-border expansion in Central Asia including a scheduled branch opening in Uzbekistan. In recent developments, the bank has executed a strategic pivot from physical branch expansion toward digital and technology-led growth, significantly increasing technology capital expenditures to roll out a modernized Core Banking Application and partnering with Arcana Info to deploy an Enterprise Service Bus (ESB) integration platform for real-time transaction processing. The bank has also advanced its digital and capital markets capabilities through strategic alliances, including a partnership with ISTIQEME to deploy merchant QR payment infrastructure and enhance digital onboarding, an agreement with the National Clearing Company of Pakistan Limited (NCCPL) to integrate banking services with capital markets and explore margin trading financing, and recent product launches such as the PayPak Pink Debit Card and the Aitemaad UPI Gold Debit Card.