### 📈 National Savings Bank (NSB) Posts Record Profits for 2025

The state-owned savings giant reported its highest-ever financial performance, driven by a sharp decline in impairment charges and robust growth in core interest income. Overall Financial Figures • Operating Profit: Surged 55% YoY to Rs. 59 Bn. • Profit After Tax (PAT): Group PAT rose 61% to Rs. 28.2 Bn; Bank-only PAT jumped 69%. • Total Assets: Expanded 4% to Rs. 1.83 t, supported by government securities and loans. • Total Contribution to Govt: Reached Rs. 38 Bn (including Rs. 30.1 Bn in taxes), a 77% YoY increase. Key Performance Metrics • Net Interest Income (NII): Grew 17% to Rs. 84.8 Bn, aided by a 14% reduction in interest expenses. • Net Interest Margin (NIM): Strengthened to 4.74% from 4.22%. • Fee & Commission Income: Rose 46% to Rs. 2.56 Bn, fueled by cards, remittances, and loan disbursements. • Efficiency: Cost-to-income ratio improved to 34.3%; Return on Equity (ROE) hit 25.08%. Asset Quality & Capital • Impairment Charges: Dropped 86% to Rs. 1.64 Bn, reflecting improved borrower creditworthiness. • Stage 3 Loan Ratio: Improved significantly to 2.53% (from 5.18% in 2024). • Deposit Base: Grew 3% to Rs. 1.6 t, backed by the bank's explicit Government guarantee. • Capital Adequacy: Total Capital Ratio stood at 26.83%, well above the 12.5% regulatory requirement. _Summary based on 2025 audited financial highlights._ ---