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 appreciated the management for delivering outstanding financial results and maintaining strong performance across all areas of the Bank’s operations.
Despite facing challenges such as tight profit margins, rising competition, global economic uncertainty, and new regulatory requirements, including IFRS 9 implementation, the Bank managed to perform strongly. It continued to follow careful risk management and strict cost control policies throughout the year.
The Bank reported its highest-ever pre-tax profit of Rs. 35.80 billion in 2025, showing an impressive 46 percent growth compared to the previous year. Operating profit before provisions increased by 99 percent, reaching Rs. 40.74 billion. This marks one of the strongest financial years in the Bank’s history.
In recognition of this performance, the Board announced a final cash dividend of Rs. 1.50 per share. This is in addition to the interim dividend of Rs. 1.00 per share already paid for 2025, bringing the total dividend to Rs. 2.50 per share for the year. This reflects the Bank’s commitment to providing consistent returns to its shareholders.
By the end of December 2025, the Bank’s total deposits crossed Rs. 2 trillion for the first time. Current deposits increased by 34 percent to Rs. 476 billion, showing strong customer trust and effective deposit growth strategies.
Net interest income rose sharply to Rs. 81.10 billion, recording an 84 percent increase year-on-year. Non-markup income, excluding capital gains, also grew by 23 percent. The Bank improved its cost-to-income ratio to 59.65 percent, supported by better deposit mix management, lower funding costs, and greater use of technology to improve efficiency.
During the year, the Bank continued to invest heavily in digital transformation. It made major improvements in technology, cybersecurity, and data-driven systems to enhance customer experience. More than 78 percent of customer transactions were shifted to digital platforms, reducing pressure on physical branches and improving service speed.
The Bank also launched new deposit products, including the BOP Mehfooz Sarmayakari Account, to attract more customers and diversify funding sources. A dedicated Customer Division was established to improve service quality, strengthen customer feedback systems, and ensure better issue resolution.
The Bank deepened its focus on Environmental, Social, and Governance principles. It promoted gender balance, inclusion of people with special needs, and sustainable business practices. It also strengthened its role as a strategic partner of the Government of Punjab, supporting development programs in agriculture, small businesses, financial inclusion, and social welfare initiatives.
Additionally, the Bank played an important role in implementing key Federal Government programs related to agriculture, SMEs, and cash transfer schemes. It also advanced its Islamic banking plans by launching awareness programs and taking steps toward future Islamic banking conversion.
With strong financial growth, improved efficiency, and a clear focus on digital innovation and customer service, The Bank of Punjab remains well-positioned for steady and sustainable growth in the coming years.
