BOP Posts Record Financial Performance with 99% Surge in Operating Profit as Deposits Cross Rs. 2 Trillion

The Board of Directors of The Bank of Punjab approved the audited financial statements for the year ended December 31, 2025, in a meeting held on February 17, 2026. The Board commended the management for delivering exceptional financial results, marking yet another year of record-breaking performance.

Despite squeezed margins, heightened competition, global economic uncertainty, and the implementation of IFRS 9, the Bank maintained a disciplined risk management framework and cost optimization strategy. These measures enabled it to navigate a complex operating environment while preserving financial stability and growth momentum.

The Bank reported its highest-ever pre-tax profit of Rs. 35.80 billion in 2025, reflecting a robust 46 percent year-on-year increase. Operating profit before provisions surged by an impressive 99 percent to Rs. 40.74 billion, underscoring strong core business performance and operational resilience.

In recognition of this outstanding performance, the Board declared a final cash dividend of Rs. 1.50 per share, in addition to the interim dividend of Rs. 1.00 per share already disbursed during 2025. This represents one of the strongest dividend payouts in the Bank’s history and reaffirms its commitment to delivering sustainable shareholder value.

A significant milestone was achieved as total deposits surpassed Rs. 2.0 trillion as of December 31, 2025. This growth reflects heightened customer confidence and effective deposit mobilization strategies. Current deposits rose by 34 percent to Rs. 476 billion, strengthening the Bank’s low-cost funding base.

Revenue growth remained strong across all segments. Net interest income climbed to Rs. 81.10 billion, marking an 84 percent increase compared to the previous year. Non-markup income, excluding capital gains, also recorded a solid 23 percent growth. The Bank’s cost-to-income ratio improved to 59.65 percent, driven by operational efficiency, optimized deposit composition, and technology-driven process enhancements.

Digital transformation remained a key strategic focus. Over 78 percent of customer transactions were migrated to digital platforms, supported by investments in technology, cybersecurity, and data-driven innovation. The Bank also expanded branch-led and digital account opening services while introducing new deposit products, including the BOP Mehfooz Sarmayakari Account, to diversify funding sources and enhance customer choice.

The Bank strengthened its governance framework and deepened its commitment to Environmental, Social and Governance principles. Initiatives promoting gender balance, inclusion of special persons, and sustainability were further integrated into business operations.

As a strategic partner of the Government of Punjab, the Bank actively supported development initiatives aimed at financial inclusion, agriculture, SMEs, and social welfare. It also implemented key Federal Government-led programs, reinforcing its role in advancing national economic priorities.

With sustained efficiency gains, digital innovation, and a customer-centric strategy, The Bank of Punjab remains well-positioned to maintain steady growth and long-term value creation in the years ahead.