National Bank of Pakistan
National Bank of Pakistan (NBP) is the largest public-sector commercial bank in Pakistan, owned by the Government of Pakistan, with a vast branch and ATM network nationwide and a large international presence. It offers conventional and Shariah-compliant (NBP Aitemaad) banking and handles many government payments and pensions. This page covers NBP's accounts, cards, financing, digital banking, helpline and contact details.
NBP Accounts and Deposits
NBP offers a range of accounts including the simplified Asaan Account, Choice Current Account, Premium Saver and Premium Aamdani savings accounts, the NBP Izafi Munafa account and Islamic Aitemaad accounts, plus term deposits. Profit on savings and deposits is paid at rates reviewed periodically, so confirm the current rate before opening.
Debit and Credit Cards
NBP issues EMV chip debit cards for ATM and point-of-sale use, with card controls available through digital banking. Review the schedule of charges for fees before applying.
NBP Loans and Financing
- Personal loan:NBP Advance Salary, the well-known personal loan for salaried and government employees, plus a Gold Loan and Secured Running Finance.
- Home finance:NBP Saibaan for home purchase, construction and land purchase.
- Car / auto finance:Aitemaad Hamsafar Shariah-compliant auto finance.
- Agriculture & SME: Kisan Taqat and Kisan Dost agriculture financing and SME financing.
The approved amount, mark-up/profit rate, fees and tenure depend on your income and credit profile and are confirmed by the bank at application.
NBP Aitemaad Islamic Banking
Through NBP Aitemaad, the bank offers Riba-free, Shariah-compliant accounts (including Aitemaad Amirah for women), auto finance (Aitemaad Hamsafar) and home finance, supervised by a Shariah board, through a dedicated Islamic branch and window network.
Digital Banking: NBP Digital
Customers manage their accounts through the NBP Digital mobile app and internet banking, with balance checks, fund transfers, bill payments, mobile top-ups and card controls.
NBP Helpline and Head Office
NBP's helpline is 111-627-627 (111-NBP-NBP). The head office is in Karachi. As the largest government-owned bank, NBP also disburses many government salaries, pensions and scheme payments. Use the branch and ATM locator on the official website to find your nearest location.
Frequently Asked Questions
What is the NBP helpline number? The helpline is 111-627-627 (111-NBP-NBP).
What is NBP Advance Salary? NBP's well-known personal loan for salaried and government employees, repaid through salary deductions.
What is NBP Saibaan? NBP's home finance for home purchase, construction and land purchase.
What is the NBP app? NBP Digital, for mobile and internet banking.
Who owns NBP? National Bank of Pakistan is the largest public-sector bank, owned by the Government of Pakistan.
Popular Loan Guides
Governance and Reporting
The leadership of the bank is headed by President & CEO, Rehmat Ali Hasnie. The name of the current chairman was not explicitly available in the provided source material. The bank's governance structure includes a board of directors and senior management group chiefs overseeing key functions such as retail, finance, Islamic banking, operations, and compliance.
NBP adheres to a regular financial reporting schedule, publishing annual and quarterly financial statements and multi-year financial highlights for investors. The bank also makes its credit rating report listings publicly available. One specific financial figure noted in the source material was a half-yearly pre-tax profit of PKR 33.9 billion, which should be understood within its specific reporting period and not as a full-year or ongoing metric.
Institutional and Legal Status
National Bank of Pakistan, commonly known as NBP, is a major commercial bank operating in Pakistan. The institution's legal framework is established under the NBP Ordinance XIX of 1949, with its governance further detailed in the NBP Bye-Laws of 2015. These documents provide the legal basis for its operations and structure within the country's financial system.
Market Role and Ownership
NBP functions as a large public-sector commercial bank with a broad business scope. Its activities span retail, consumer, corporate, and investment banking, alongside specialized services for agriculture, treasury, and digital banking. The bank serves a diverse client base that includes individual customers, local conglomerates, multinational corporations, and public-sector entities.
The bank holds a distinct institutional role as an agent and trustee for the State Bank of Pakistan (SBP). It performs these functions in geographical areas where the central bank does not maintain its own physical presence, underscoring its systemic importance and close relationship with state financial operations.
While NBP is identified as a state-linked institution, the provided source material does not specify a precise ownership percentage or a detailed breakdown of its shareholding structure. The bank maintains a public investor relations function and publishes information on its shareholding patterns.
Services
Contact Information
NBP Building, 2nd Floor, Head Office I.I. Chundrigar Road, Karachi, Pakistan