NSB Group's 9M 2025 Performance: PBT Jumps 30% Amid Strong Asset Quality 📈

National Savings Bank Group (NSB) reported robust results for the nine months ended Sept 30, 2025, showing sharp improvements in profitability and asset quality. • Profitability Surge: Profit Before Tax (PBT) rose 30% YoY to Rs. 34.8 Bn, while Profit After Tax (PAT) surged 32% to Rs. 21.2 Bn. • Core Earnings: Net Interest Income (NII) increased by 16.8% to Rs. 64.4 Bn, driven by active liability management leading to a 15.8% reduction in interest expenses. Net Interest Margin (NIM) improved to 4.71%. Total Operating Income expanded by 18.4%. • Asset Quality & Capital: The Stage 3 impaired loan (NPL) ratio more than halved, falling sharply from 5.18% (end-2024) to a fortified 2.63%. The Total Capital Ratio stood strong at 23.89%, well above regulatory requirements. • Balance Sheet & Ratios: Total Assets grew 5.3% to Rs. 1.87 t. Customer deposits reached Rs. 1.59 t. Return on Equity (ROE) increased substantially to 24.67%. • National Role: NSB contributed over Rs. 24.1 Bn in taxes (financial services levies and income tax) to public finance, reinforcing its role as a key supporter of the State.