The Bank of Punjab (PSX:BOP)
Pakistan · Delayed Price · Currency is PKR 33.96
+0.63 (1.89%)
At close: Nov 28, 2025
The Bank of Punjab Income Statement
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2015 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2015 - 2019 |
Interest Income on Loans | 280,452 | 343,865 | 327,236 | 137,298 | 81,804 | 86,120 | Upgrade |
Interest Income on Investments | 313.22 | 355.11 | 568.78 | 708.95 | 377.4 | 136.99 | Upgrade |
Total Interest Income | 280,766 | 344,220 | 327,805 | 138,007 | 82,182 | 86,257 | Upgrade |
Interest Paid on Deposits | 208,449 | 299,605 | 286,244 | 106,407 | 51,776 | 62,696 | Upgrade |
Net Interest Income | 72,317 | 44,615 | 41,561 | 31,599 | 30,406 | 23,561 | Upgrade |
Net Interest Income Growth (YoY) | 64.03% | 7.35% | 31.52% | 3.93% | 29.05% | -12.58% | Upgrade |
Gain (Loss) on Sale of Assets | 203.56 | 45.45 | 9.61 | 149.42 | -0.98 | 101.46 | Upgrade |
Gain (Loss) on Sale of Investments | 9,572 | 12,928 | 5,255 | 343.16 | 1,786 | 8,466 | Upgrade |
Other Non-Interest Income | 15,915 | 12,914 | 11,681 | 9,391 | 5,779 | 4,374 | Upgrade |
Total Non-Interest Income | 25,691 | 25,888 | 16,946 | 9,884 | 7,564 | 12,942 | Upgrade |
Non-Interest Income Growth (YoY) | 8.53% | 52.77% | 71.45% | 30.68% | -41.56% | 234.92% | Upgrade |
Revenues Before Loan Losses | 98,008 | 70,503 | 58,506 | 41,483 | 37,969 | 36,503 | Upgrade |
Provision for Loan Losses | 1,689 | -4,073 | -67.23 | -4,879 | -1,611 | 6,870 | Upgrade |
| 96,319 | 74,576 | 58,573 | 46,363 | 39,580 | 29,633 | Upgrade | |
Revenue Growth (YoY) | 34.36% | 27.32% | 26.34% | 17.14% | 33.57% | 1.87% | Upgrade |
Salaries and Employee Benefits | 899.35 | 491.29 | 323.58 | 288.54 | 363.32 | 334.88 | Upgrade |
Selling, General & Administrative | 1,970 | 1,743 | 1,291 | 1,129 | 1,052 | 663.27 | Upgrade |
Other Non-Interest Expense | 57,768 | 48,476 | 36,067 | 26,571 | 19,758 | 16,660 | Upgrade |
Total Non-Interest Expense | 60,637 | 50,710 | 37,682 | 27,988 | 21,174 | 17,658 | Upgrade |
EBT Excluding Unusual Items | 35,682 | 23,866 | 20,891 | 18,374 | 18,406 | 11,975 | Upgrade |
Legal Settlements | - | 331.65 | - | - | - | - | Upgrade |
Other Unusual Items | 154.53 | 239.44 | 237.97 | 3.12 | -35.34 | -48.36 | Upgrade |
Pretax Income | 35,836 | 24,437 | 21,129 | 18,377 | 18,371 | 11,926 | Upgrade |
Income Tax Expense | 19,422 | 11,157 | 9,876 | 7,709 | 5,975 | 5,046 | Upgrade |
Earnings From Continuing Operations | 16,414 | 13,280 | 11,254 | 10,669 | 12,396 | 6,881 | Upgrade |
Minority Interest in Earnings | -87.45 | -192.14 | -173.1 | -40.23 | -80.59 | -61.66 | Upgrade |
Net Income | 16,327 | 13,088 | 11,081 | 10,628 | 12,316 | 6,819 | Upgrade |
Net Income to Common | 16,327 | 13,088 | 11,081 | 10,628 | 12,316 | 6,819 | Upgrade |
Net Income Growth | 20.52% | 18.11% | 4.26% | -13.70% | 80.61% | -16.44% | Upgrade |
Basic Shares Outstanding | 3,272 | 3,272 | 3,272 | 3,272 | 3,272 | 3,272 | Upgrade |
Diluted Shares Outstanding | 3,272 | 3,272 | 3,272 | 3,272 | 3,272 | 3,272 | Upgrade |
EPS (Basic) | 4.99 | 4.00 | 3.39 | 3.25 | 3.76 | 2.08 | Upgrade |
EPS (Diluted) | 4.99 | 4.00 | 3.39 | 3.25 | 3.76 | 2.08 | Upgrade |
EPS Growth | 20.53% | 18.10% | 4.26% | -13.68% | 80.57% | -16.44% | Upgrade |
Dividend Per Share | 2.800 | 1.800 | 1.000 | - | - | 0.808 | Upgrade |
Dividend Growth | 180.00% | 80.00% | - | - | - | 33.33% | Upgrade |
Effective Tax Rate | 54.20% | 45.66% | 46.74% | 41.95% | 32.52% | 42.31% | Upgrade |
Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.