The Bank of Punjab (PSX:BOP)

The Bank of Punjab Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	306,098	343,865	327,236	137,298	81,804	86,120
Interest Income on Investments	361.74	355.11	568.78	708.95	377.4	136.99
Total Interest Income	306,459	344,220	327,805	138,007	82,182	86,257
Interest Paid on Deposits	242,654	299,605	286,244	106,407	51,776	62,696
Net Interest Income	63,806	44,615	41,561	31,599	30,406	23,561
Net Interest Income Growth (YoY)	56.85%	7.35%	31.52%	3.93%	29.05%	-12.58%
Gain (Loss) on Sale of Assets	155.29	45.45	9.61	149.42	-0.98	101.46
Gain (Loss) on Sale of Investments	11,571	12,928	5,255	343.16	1,786	8,466
Other Non-Interest Income	14,199	12,914	11,681	9,391	5,779	4,374
Total Non-Interest Income	25,925	25,888	16,946	9,884	7,564	12,942
Non-Interest Income Growth (YoY)	24.24%	52.77%	71.45%	30.68%	-41.56%	234.92%
Revenues Before Loan Losses	89,731	70,503	58,506	41,483	37,969	36,503
Provision for Loan Losses	-171.02	-4,073	-67.23	-4,879	-1,611	6,870
Revenue	89,902	74,576	58,573	46,363	39,580	29,633
Revenue Growth (YoY)	37.18%	27.32%	26.34%	17.14%	33.57%	1.87%
Salaries and Employee Benefits	937.63	491.29	323.58	288.54	363.32	334.88
Selling, General & Administrative	2,000	1,743	1,291	1,129	1,052	663.27
Other Non-Interest Expense	55,251	48,476	36,067	26,571	19,758	16,660
Total Non-Interest Expense	58,189	50,710	37,682	27,988	21,174	17,658
EBT Excluding Unusual Items	31,713	23,866	20,891	18,374	18,406	11,975
Legal Settlements	-0	331.65	-	-	-	-
Other Unusual Items	95.33	239.44	237.97	3.12	-35.34	-48.36
Pretax Income	31,808	24,437	21,129	18,377	18,371	11,926
Income Tax Expense	16,822	11,157	9,876	7,709	5,975	5,046
Earnings From Continuing Operations	14,986	13,280	11,254	10,669	12,396	6,881
Minority Interest in Earnings	-125.14	-192.14	-173.1	-40.23	-80.59	-61.66
Net Income	14,861	13,088	11,081	10,628	12,316	6,819
Net Income to Common	14,861	13,088	11,081	10,628	12,316	6,819
Net Income Growth	19.39%	18.11%	4.26%	-13.70%	80.61%	-16.44%
Basic Shares Outstanding	3,272	3,272	3,272	3,272	3,272	3,272
Diluted Shares Outstanding	3,272	3,272	3,272	3,272	3,272	3,272
Shares Change (YoY)	0.19%	-	-	-	-	-
EPS (Basic)	4.54	4.00	3.39	3.25	3.76	2.08
EPS (Diluted)	4.54	4.00	3.39	3.25	3.76	2.08
EPS Growth	19.11%	18.10%	4.26%	-13.68%	80.57%	-16.44%
Dividend Per Share	2.800	1.800	1.000	-	-	0.808
Dividend Growth	180.00%	80.00%	-	-	-	33.33%
Effective Tax Rate	52.89%	45.66%	46.74%	41.95%	32.52%	42.31%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.