LAHORE: The Board of Directors of The Bank of Punjab (BOP), in its meeting held on Thursday, approved the un-audited financial statements for the nine months ended September 30, 2025, lauding the Bank’s exceptional performance and record-breaking financial results across all key indicators.
Despite a challenging macroeconomic environment marked by declining interest rates and rising operating costs, BOP delivered remarkable results, with operating profit surging by 156 percent to Rs 28.52 billion compared to the same period last year.
The Bank’s Net Interest Income (NII) rose 91 percent to Rs 58.46 billion, reaffirming its strong core earnings capability. Fee and Commission Income also grew by 31 percent, driven by diversified revenue streams and deeper client engagement across retail, corporate, and Islamic banking segments.
Operational efficiency remained a key focus, with significant improvement in the cost-to-income ratio, supported by disciplined expense management. Consequently, Profit Before Tax jumped 81 percent to Rs 26.40 billion, up from Rs 14.61 billion last year.
Earnings per share (EPS) increased to Rs 3.65, compared to Rs 2.57 in the same period of 2024, despite a higher effective tax rate of 53 percent.
The Bank maintained a robust balance sheet, with Total Assets reaching Rs 2,536 billion and Total Deposits growing 20 percent year-on-year to Rs 1,885 billion. Current Deposits rose by an impressive 35 percent, reflecting strong customer confidence and effective deposit-mobilization initiatives. Gross Advances stood at Rs 837 billion, while Total Investments and Lending to Financial Institutions amounted to Rs 1,463 billion, demonstrating prudent and diversified asset management.
BOP’s Capital Adequacy Ratio (CAR) remained healthy at 17.43 percent, while liquidity buffers were maintained at comfortable levels to ensure resilience amid market volatility.
The Bank continued to play a pivotal role as a key partner of the Government of Punjab (GoPb) in implementing development and social welfare initiatives under Chief Minister Maryum Nawaz Sharif. Flagship programs include the CM Punjab Asaan Karobar Scheme, CM Punjab Kissan Card, CM Punjab Livestock Card, CM Punjab Petrol/Electric Bike Program, and Apni Chat Apna Ghar. These initiatives aim to enhance financial inclusion, empower farmers and small businesses, and drive sustainable economic growth.
In addition, BOP has been entrusted with large-scale disbursements under flood-relief initiatives and continues to maintain a leadership role in Federal Government-sponsored programs.
The Bank’s management stated that this record-breaking performance reflects a clear strategic vision, disciplined execution, and commitment to innovation and customer-centricity. With continued focus on digital transformation and sustainable value creation, BOP remains well-positioned for future growth and resilience in Pakistan’s evolving financial landscape.
