📈 NSB Group Posts Rs. 15.5 Bn Operating Profit in 1Q 2026

The State-owned National Savings Bank (NSB) Group reported a resilient performance for the first quarter ended 31 March 2026, driven by a stronger core banking income base and disciplined balance sheet management. • Overall Financial Performance • Group Profit Before Tax (PBT) reached Rs. 11.8 Bn, while Profit After Tax (PAT) stood at Rs. 7 Bn. • Total operating income increased by 5.0% to Rs. 22.5 Bn. • Net Interest Income grew by 8.1% year-on-year (YoY) to Rs. 21.8 Bn, driven by optimized funding costs. • Net Fee and Commission Income surged 53.5% YoY to Rs. 760.6 Mn, reflecting expanded transaction-led banking activity. • The bank made a substantial national contribution with Rs. 8.5 Bn paid in total taxes for the quarter. • Balance Sheet & Savings Mobilization • Total customer deposits stood robust at approximately Rs. 1.6 T, reinforcing NSB's national savings mandate. • The measured expansion of the lending portfolio saw loans and advances rise to Rs. 556.1 Bn from Rs. 550.8 Bn at the end of 2025. • Financial assets held in debt and other instruments at amortized cost reached approx. Rs. 1.1 T. • Asset Quality & Capital Strength • Asset quality improved as the Stage 3 Impaired Loans ratio dropped to 2.34% (down from 2.53% in Dec 2025). • Stage 3 provision coverage was strengthened to 59.2%. • Capital reserves remained exceptionally strong with a Total Capital Adequacy Ratio of 24.90% and a Tier 1 ratio of 23.34%. • Liquidity indicators remained well above regulatory minimums, posting an All-Currency Liquidity Coverage Ratio of 335.54%.