The Bank of Punjab Income Statement

Financials in millions PKR. Fiscal year is January - December.

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	266,389	343,865	327,236	137,298	81,804
Interest Income on Investments	336.44	355.11	568.78	708.95	377.4
Total Interest Income	266,725	344,220	327,805	138,007	82,182
Interest Paid on Deposits	185,253	299,605	286,244	106,407	51,776
Net Interest Income	81,472	44,615	41,561	31,599	30,406
Net Interest Income Growth (YoY)	82.61%	7.35%	31.52%	3.93%	29.05%
Gain (Loss) on Sale of Assets	-	45.45	9.61	149.42	-0.98
Gain (Loss) on Sale of Investments	2,960	12,928	5,255	343.16	1,786
Other Non-Interest Income	16,699	12,914	11,681	9,391	5,779
Total Non-Interest Income	19,659	25,888	16,946	9,884	7,564
Non-Interest Income Growth (YoY)	-24.06%	52.77%	71.45%	30.68%	-41.56%
Revenues Before Loan Losses	101,131	70,503	58,506	41,483	37,969
Provision for Loan Losses	4,980	-4,073	-67.23	-4,879	-1,611
Revenue	96,151	74,576	58,573	46,363	39,580
Revenue Growth (YoY)	28.93%	27.32%	26.34%	17.14%	33.57%
Salaries and Employee Benefits	963.69	491.29	323.58	288.54	363.32
Selling, General & Administrative	-	1,743	1,291	1,129	1,052
Other Non-Interest Expense	59,793	48,476	36,067	26,571	19,758
Total Non-Interest Expense	60,757	50,710	37,682	27,988	21,174
EBT Excluding Unusual Items	35,394	23,866	20,891	18,374	18,406
Legal Settlements	-	331.65	-	-	-
Other Unusual Items	-	239.44	237.97	3.12	-35.34
Pretax Income	35,394	24,437	21,129	18,377	18,371
Income Tax Expense	19,864	11,157	9,876	7,709	5,975
Earnings From Continuing Operations	15,530	13,280	11,254	10,669	12,396
Minority Interest in Earnings	-136.08	-192.14	-173.1	-40.23	-80.59
Net Income	15,394	13,088	11,081	10,628	12,316
Net Income to Common	15,394	13,088	11,081	10,628	12,316
Net Income Growth	17.62%	18.11%	4.26%	-13.70%	80.61%
Basic Shares Outstanding	3,268	3,272	3,272	3,272	3,272
Diluted Shares Outstanding	3,268	3,272	3,272	3,272	3,272
Shares Change (YoY)	-0.10%	-	-	-	-
EPS (Basic)	4.71	4.00	3.39	3.25	3.76
EPS (Diluted)	4.71	4.00	3.39	3.25	3.76
EPS Growth	17.75%	18.10%	4.26%	-13.68%	80.57%
Dividend Per Share	2.500	1.800	1.000	-	-
Dividend Growth	38.89%	80.00%	-	-	-
Effective Tax Rate	56.12%	45.66%	46.74%	41.95%	32.52%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.