The National Bank of Pakistan (NBP) has reached a major financial milestone, crossing the Rs. 100 billion mark in total outstanding loans secured against gold. This development marks a significant achievement in the Bank’s mission to deliver accessible and inclusive financial services, particularly to individuals in the consumer and agricultural segments.
With a robust base of over 173,000 active borrowers, NBP’s gold loan program has become one of the most trusted and rapidly growing consumer lending products in the banking sector. The loan structure is designed to offer customers quick, transparent, and secure financing with minimal procedural delays. Borrowers can leverage their gold assets to access funds swiftly, with the added confidence that their valuables are safeguarded and returned in full upon repayment.
This growth reflects the increasing demand for short-term, collateral-based loans that address urgent financial needs without complicated documentation or extended waiting periods. By tapping into an asset that is traditionally held by many households in Pakistan, NBP has created a pathway to liquidity for those who may otherwise have limited access to formal banking channels.
Rehmat Ali Hasnie, President of the National Bank of Pakistan, commented on this milestone, stating, “This milestone is a testament to the unwavering trust of our customers placed in National Bank of Pakistan. We remain firmly committed to delivering secure, accessible, and efficient financial solutions. The gold loan portfolio continues to empower individuals and communities across Pakistan, helping them unlock opportunities. Our teams believe in innovation and expansion to promote financial inclusion and drive sustainable economic growth.”
The gold loan service, although a traditional offering in the financial sector, has evolved in recent years to become more agile and customer-centric. NBP’s success with this portfolio highlights its ability to blend legacy banking products with modern operational efficiencies and customer engagement strategies.
NBP’s achievement also aligns with broader national efforts to deepen financial inclusion and bring underserved populations into the formal economy. By ensuring that even small borrowers from rural and peri-urban areas can access timely credit, the bank plays a pivotal role in supporting economic mobility and development at the grassroots level.
The Rs. 100 billion mark represents not just a numeric accomplishment, but a meaningful shift in how banking services can be made more inclusive, responsive, and impactful. As one of Pakistan’s premier state-owned financial institutions, NBP is expected to continue leveraging its nationwide network and diverse product offerings to further its reach and social impact.
Looking forward, NBP aims to scale its gold loan program by introducing additional digital features, expanding its rural outreach, and forming strategic partnerships with community organizations. The Bank’s ongoing commitment to innovation and financial empowerment signals a new phase of growth and customer service in Pakistan’s banking landscape.