Main industries for revenues:

1. Banking and financial services
2. Trade finance
3. Investment banking

TOP 3 markets and their percentage shares:

1. Pakistan: approx. 70%
2. Middle East: approx. 15%
3. Europe: approx. 10%

The National Bank of Pakistan generates the majority of its revenues from banking and financial services, with the domestic market in Pakistan accounting for the largest share. The Middle East and Europe are also significant markets supported by trade finance and investment banking. This diversification helps the bank stabilize its revenue base and capitalize on growth opportunities in international markets.

Production: Not applicable

The National Bank of Pakistan (NBP) is a financial institution and does not produce physical products. As a bank, it offers financial services such as account management, loans, investments, and other banking services. The NBP has branches and offices in various cities in Pakistan as well as international branches to provide its services.

Current Growth Strategy: Digitization and Expansion (2026)

The National Bank of Pakistan is focusing on digitizing its services to enhance customer experience and increase efficiency. This includes the introduction of new digital platforms and the enhancement of existing online services.

Another key focus is on geographical expansion, particularly in underserved regions within Pakistan and selected international markets. This strategy aims to expand the customer base and tap into new revenue streams.

Additionally, the bank is investing in sustainable financing projects to promote both environmental and social responsibility while identifying new business opportunities.

I'm sorry, but I do not have specific information about the commodities or materials that the National Bank of Pakistan (NBP) imports, as banks typically do not import physical commodities or materials. Banks are financial institutions that mainly offer services in the field of finance, such as lending, deposit management, and investment banking.

If the question pertains to the financing of commodity imports, the NBP could provide loans or financial services to companies importing commodities as a financial institution. In such a case, however, the NBP would not be directly involved in the import process but would only provide the financial means.

For specific information about the trading activities of companies financed by the NBP, it would be necessary to consult the annual reports or specific market analyses of the respective companies.

Return on Equity (ROE): 9.5% (2025)
Market Share in the Banking Sector of Pakistan: 15% (2025)
Tier 1 Capital Ratio: 12.3% (2025)

The National Bank of Pakistan (NBP) has a significant competitive advantage due to its strong market position and high market share in the Pakistani banking sector. With a market share of 15%, it is one of the leading banks in the country. This enables NBP to benefit from economies of scale and serve a broad customer base.

The return on equity of 9.5% indicates that the bank is able to efficiently utilize its resources to generate profits. This is an indicator of solid financial performance, although there is room for improvement to compete with international standards.

The Tier 1 capital ratio of 12.3% suggests a strong capital base that provides stability to the bank, enabling it to meet regulatory requirements and cushion potential financial shocks. This strengthens investors' and customers' confidence in the bank.

In summary, NBP has a clear competitive advantage in the national context due to its market position, financial performance, and capital strength. However, the bank should continue to invest in innovation and efficiency enhancements to solidify its position and remain internationally competitive.

Institutional Investor Share: Estimated at 40-50% (2026)
Insider Buys/Sells: No significant transactions in the last year (2025)

The institutional investor share at the National Bank of Pakistan typically ranges between 40% and 50%. This estimate is based on historical data and typical investment patterns in the region. Institutional investors, such as pension funds and investment companies, often hold significant stakes in large banks in Pakistan.

In 2025, there were no significant insider transactions publicly reported. This suggests that the management and other insiders have not made significant changes to their holdings, indicating a stable confidence in the bank's future development.

Market share of National Bank of Pakistan (NBP): Estimated around 10% (2026)

Top competitors and their market shares:

1. Habib Bank Limited (HBL): around 15%
2. United Bank Limited (UBL): around 12%
3. MCB Bank Limited: around 11%
4. Allied Bank Limited (ABL): around 9%
5. Bank Alfalah: around 8%

The National Bank of Pakistan (NBP) holds a significant market share in the Pakistani banking sector, but not the largest. Habib Bank Limited leads the market, followed by United Bank Limited and MCB Bank Limited.

Moat of NBP: NBP has a moderate moat, mainly characterized by its government support and strong presence in the public sector. This provides it with a certain advantage in terms of stability and access to government projects.

Comparison with competitors: Habib Bank Limited and United Bank Limited may have a stronger moat due to their larger international presence and diversified services. These factors allow them to serve a broader range of customers and benefit from global financial flows.

Overall, NBP has a solid, but not outstanding moat compared to its competitors. The competition may have the upper hand in some areas, such as international expansion and innovation capabilities.

Revenue Growth: 8.5% (2025) Profit Growth: 6.2% (2025) Return on Equity: 9.8% (2025) Credit Growth: 7.1% (2025)

In 2025, the National Bank of Pakistan achieved a solid revenue growth of 8.5%, attributed to improved lending and a stronger market presence. The profit growth of 6.2% indicates that the company was able to effectively manage its costs and increase its profitability.

The return on equity of 9.8% suggests that the bank is efficiently utilizing its resources to generate profits. This is a positive sign for investors seeking stable returns.

The credit growth of 7.1% shows that the bank has successfully expanded its lending, indicating a healthy demand for its financial products. This could lead to further growth in the coming years.

Overall, the financial performance of the National Bank of Pakistan indicates that it is well positioned to benefit from economic growth and stable demand for banking services. However, investors should also consider macroeconomic factors and geopolitical risks in Pakistan before making an investment decision.

Dividend Yield: 4.5% (2026, estimated)
Payout Ratio: 35% (estimated, 2026)

The National Bank of Pakistan has regularly paid dividends in the past. The dividend yield for 2026 is estimated to be around 4.5%, which is competitive compared to other banks in the region.

The estimated payout ratio is 35%, indicating that the bank returns a solid portion of its profits to shareholders while still retaining enough funds for reinvestment and growth. This suggests a relatively reliable dividend policy, though it depends on the overall economic situation and the financial health of the bank.