NBS Bank (MSW:NBS) Net Loan: MWK344,599 Mil (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

MSW:NBS NBS Bank PLC MSW:NBS
92 GF Score
Price MWK666.99
GF Value MWK670.54
Valuation Fairly Valued
! 2 Warning Signs
View Full Analysis

What is NBS Bank Net Loan?

NBS Bank MSW:NBS -0.43% 92 Net Loan is MWK344,599 Mil as of Dec. 2025. GuruFocus rates MSW:NBS with a GF Score™ of 92/100 and a GF Value™ of MWK670.54 (Fairly Valued). The stock has 2 warning signs investors should review.

NBS Bank's quarterly net loan increased from Dec. 2024 (MWK232,929 Mil) to Jun. 2025 (MWK276,564 Mil) and increased from Jun. 2025 (MWK276,564 Mil) to Dec. 2025 (MWK344,599 Mil).

NBS Bank's annual net loan increased from Dec. 2023 (MWK151,383 Mil) to Dec. 2024 (MWK276,564 Mil) and increased from Dec. 2024 (MWK276,564 Mil) to Dec. 2025 (MWK344,599 Mil).

NBS Bank Net Loan Historical Data

* Premium members only.

The historical data trend for NBS Bank's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

NBS Bank Net Loan Chart

NBS Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 80,623.94 136,369.34 151,382.67 232,928.82 344,599.46

NBS Bank Semi-Annual Data
Dec15 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 151,382.67 185,231.00 232,928.82 276,564.00 344,599.46
MSW:NBS
92GF Score
NBS Bank PLC MSW:NBS
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

NBS Bank Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of MWK344,599 Mil mean?
NBS Bank (MSW:NBS) has a Net Loan of MWK344,599 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on NBS Bank and its competitors.
Is NBS Bank's Net Loan too high?
NBS Bank's current Net Loan is MWK344,599 Mil. Overall, NBS Bank has a GF Score™ of 92/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does NBS Bank's Net Loan compare to PNC and USB?
NBS Bank's Net Loan of MWK344,599 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on NBS Bank and its competitors. NBS Bank's current Net Loan is MWK344,599 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NBS Bank stock overvalued right now?
Based on GuruFocus' analysis, NBS Bank (MSW:NBS) is currently considered Fairly Valued. The stock's GF Value™ is MWK670.54, compared to a current price of MWK666.99 — trading 0.5% below its estimated fair value. The current Net Loan is MWK344,599 Mil. NBS Bank's overall GF Score™ is 92/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For NBS Bank (MSW:NBS), the current Net Loan is MWK344,599 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is NBS Bank (MSW:NBS) Overvalued in 2026?

Based on GuruFocus' analysis, NBS Bank stock appears to be undervalued. The current stock price of MWK666.99 is trading 0.5% below its estimated GF Value™ of MWK670.54. GuruFocus considers NBS Bank to be Fairly Valued.

Key valuation signals for MSW:NBS:

  • Net Loan: MWK344,599 Mil
  • GF Value™: MWK670.54 vs. price of MWK666.99 (0.5% below fair value)
  • GF Score™: 92/100 with 2 warning signs

No single metric tells the full story. See the MSW:NBS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

NBS Bank Business Description

Address Corner Chipembere Highway & Johnstone Roads, NBS House, PO Box 32251, Chichiri, Ginnery Corner, Blantyre 3, Blantyre, MWI
NBS Bank PLC is predominantly involved in commercial banking, covering corporate and retail banking and treasury management. Services offered by the bank include current account, saving account, investment, loans, international trades, and internet banking. The company segments are divided into geographical areas including Northern region, Central region and the Southern region. Its branches are spread across Malawi.
92GF Score

Get the complete analysis for MSW:NBS

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MWK666.99
Price
MWK670.54
GF Value