NSB Group posts strong 3Q 2025 growth with 30 percent surge in Profit Before Tax to 34.8 billion

The National Savings Bank Group (NSB) reported a solid performance for the nine months ended September 30, 2025, delivering sharp improvements in profitability, margins, and asset quality despite a moderating interest-rate environment.

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The state-owned savings giant recorded a Profit Before Tax (PBT) of 34.8 billion, up 30 percent, while Profit After Tax (PAT) surged 32 percent to 21.2 billion.

Dr Harsha Cabral PC, Chairman, NSB, said the results highlight the Bank's ability to uphold its dual mandate of safeguarding national savings and supporting state financing, while maintaining strong profitability. Shashi Kandambi, General Manager/CEO, NSB, noted that disciplined balance-sheet management, improved margins and sustained investments in technology and staff contributed to the strong performance.

Core profitability improved despite slightly lower total income. Interest expenses fell by 15.8 percent due to active liability management, boosting Net Interest Income by 16.8 percent to 64.4 billion rupees and lifting the Net Interest Margin to 4.71 percent. Net fee and commission income rose 26.3 percent, while other non-interest income increased 62.5 percent, resulting in an overall 18.4 percent growth in total operating income year-on-year.