The Bank of Punjab (BOP) has reported exceptional financial results for the first half of 2025, ending June 30, despite a challenging banking environment marked by declining interest rates and higher taxes.
The Bank recorded an operating profit of Rs. 15.52 billion, reflecting a remarkable 278% growth compared to the same period last year. Profit before tax surged by 102% to Rs. 15.16 billion, while earnings per share climbed to Rs. 2.08 from Rs. 1.47 in 2024.
This strong performance came on the back of robust Net Interest Income, which advanced by 116% year-on-year to Rs. 35.81 billion. Non-interest income also rose significantly, supported by diversification and fee-based revenue streams. Operational efficiency improved notably, with a lower cost-to-income ratio highlighting the Bank’s prudent cost management.
The balance sheet further strengthened with total assets expanding to Rs. 2,444 billion. Deposits grew by 23% to Rs. 1,947 billion, driven largely by a 43% rise in current deposits, while gross advances reached Rs. 777 billion. The Capital Adequacy Ratio improved to 17.42%, underscoring BOP’s strong risk management and capital base.
In addition to its financial achievements, the Bank of Punjab has continued to play a vital role in socioeconomic development through several Government of Punjab initiatives. Programs such as the CM Punjab Asaan Karobar Card, Kissan Card, and Livestock Card are empowering small businesses, farmers, and households, further solidifying the Bank’s role as a driver of inclusive growth in Punjab and beyond.