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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	264,339	266,389	343,865	327,236	137,298	81,804
Interest Income on Investments	347.2	336.44	355.11	568.78	708.95	377.4
Total Interest Income	264,686	266,725	344,220	327,805	138,007	82,182
Interest Paid on Deposits	176,145	185,253	299,605	286,244	106,407	51,776
Net Interest Income	88,541	81,472	44,615	41,561	31,599	30,406
Net Interest Income Growth (YoY)	73.36%	82.61%	7.35%	31.52%	3.93%	29.05%
Gain (Loss) on Sale of Assets	248.67	248.67	45.45	9.61	149.42	-0.98
Gain (Loss) on Sale of Investments	2,059	2,960	12,928	5,255	343.16	1,786
Other Non-Interest Income	18,330	16,211	12,914	11,681	9,391	5,779
Total Non-Interest Income	20,637	19,420	25,888	16,946	9,884	7,564
Non-Interest Income Growth (YoY)	-24.18%	-24.98%	52.77%	71.45%	30.68%	-41.56%
Revenues Before Loan Losses	109,178	100,892	70,503	58,506	41,483	37,969
Provision for Loan Losses	3,803	4,980	-4,073	-67.23	-4,879	-1,611
Revenue	105,376	95,912	74,576	58,573	46,363	39,580
Revenue Growth (YoY)	32.40%	28.61%	27.32%	26.34%	17.14%	33.57%
Salaries and Employee Benefits	1,058	963.69	491.29	323.58	288.54	363.32
Selling, General & Administrative	1,998	1,998	1,675	1,291	1,129	1,052
Other Non-Interest Expense	61,030	57,795	48,543	36,067	26,571	19,758
Total Non-Interest Expense	64,084	60,757	50,710	37,682	27,988	21,174
EBT Excluding Unusual Items	41,292	35,155	23,866	20,891	18,374	18,406
Legal Settlements	-	-	331.65	-	-	-
Other Unusual Items	239.19	239.19	239.44	237.97	3.12	-35.34
Pretax Income	41,531	35,394	24,437	21,129	18,377	18,371
Income Tax Expense	23,106	19,864	11,157	9,876	7,709	5,975
Earnings From Continuing Operations	18,425	15,530	13,280	11,254	10,669	12,396
Minority Interest in Earnings	-77.62	-136.08	-192.14	-173.1	-40.23	-80.59
Net Income	18,347	15,394	13,088	11,081	10,628	12,316
Net Income to Common	18,347	15,394	13,088	11,081	10,628	12,316
Net Income Growth	39.33%	17.62%	18.11%	4.26%	-13.70%	80.61%
Basic Shares Outstanding	3,274	3,272	3,272	3,272	3,272	3,272
Diluted Shares Outstanding	3,274	3,272	3,272	3,272	3,272	3,272
Shares Change (YoY)	0.27%	-	-	-	-	-
EPS (Basic)	5.60	4.71	4.00	3.39	3.25	3.76
EPS (Diluted)	5.60	4.71	4.00	3.39	3.25	3.76
EPS Growth	39.05%	17.63%	18.10%	4.26%	-13.68%	80.57%
Dividend Per Share	2.500	2.500	1.800	1.000	-	-
Dividend Growth	38.89%	38.89%	80.00%	-	-	-
Effective Tax Rate	55.64%	56.12%	45.66%	46.74%	41.95%	32.52%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.