The Bank of Punjab Balance Sheet

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
Cash & Equivalents	111,972	36,935	46,382	33,625	36,381
Investment Securities	1,548,043	900,054	633,217	645,972	499,502
Trading Asset Securities	-	91,055	44,125	6,368	33,678
Total Investments	1,548,043	991,109	677,342	652,340	533,180
Gross Loans	1,104,186	830,593	858,532	641,689	539,671
Allowance for Loan Losses	-	-50,558	-43,364	-45,050	-50,015
Other Adjustments to Gross Loans	-	-1,277	-7,623	-5,705	-4,080
Net Loans	1,104,186	778,758	807,545	590,935	485,577
Property, Plant & Equipment	43,217	41,506	33,219	30,344	19,836
Other Intangible Assets	2,728	2,488	2,099	1,777	1,108
Accrued Interest Receivable	-	58,337	89,630	35,911	18,970
Other Receivables	5,626	-	85,200	-	-
Restricted Cash	-	67,330	63,073	44,421	43,897
Other Current Assets	-	15,139	17,280	18,698	9,359
Long-Term Deferred Tax Assets	7,724	9,205	10,315	14,584	13,760
Other Real Estate Owned & Foreclosed	-	4,959	1,997	3,677	5,849
Other Long-Term Assets	127,243	373,374	382,121	55,686	29,355
Total Assets	2,950,740	2,379,141	2,216,204	1,481,998	1,197,272
Accrued Expenses	-	3,906	2,279	1,924	823.27
Interest Bearing Deposits	2,050,948	1,356,117	1,235,926	1,011,474	827,075
Non-Interest Bearing Deposits	-	353,447	284,910	215,825	175,843
Total Deposits	2,050,948	1,709,564	1,520,836	1,227,299	1,002,918
Short-Term Borrowings	-	362,444	407,250	32,742	28,224
Current Portion of Long-Term Debt	-	676.22	9,640	2,674	9,391
Current Portion of Leases	-	146.34	84.72	85.03	107.81
Current Income Taxes Payable	-	1,807	4,536	3,220	755.47
Accrued Interest Payable	-	60,893	63,054	30,501	14,449
Other Current Liabilities	9,139	20,412	21,399	23,594	18,450
Long-Term Debt	655,621	76,706	67,315	62,721	41,497
Long-Term Leases	18,367	16,955	15,643	14,268	9,372
Long-Term Unearned Revenue	-	1,013	-	-	-
Pension & Post-Retirement Benefits	-	451.41	710.07	183.34	273.89
Other Long-Term Liabilities	113,344	32,052	22,887	17,822	16,100
Total Liabilities	2,847,419	2,287,025	2,135,632	1,417,034	1,142,362
Common Stock	32,453	32,716	32,453	29,742	26,437
Additional Paid-In Capital	-	2,215	2,215	2,215	2,215
Retained Earnings	38,185	48,541	43,323	34,966	27,303
Comprehensive Income & Other	31,593	7,689	1,819	-2,587	-1,632
Total Common Equity	102,231	91,161	79,809	64,336	54,323
Minority Interest	1,090	954.31	762.17	627.81	587.58
Shareholders' Equity	103,321	92,115	80,571	64,964	54,910
Total Liabilities & Equity	2,950,740	2,379,141	2,216,204	1,481,998	1,197,272
Total Debt	673,988	456,927	499,932	112,489	88,592
Net Cash (Debt)	-562,016	-316,046	-266,099	-56,546	-15,433
Net Cash Per Share	-171.96	-96.60	-81.34	-17.28	-4.72
Filing Date Shares Outstanding	3,259	3,272	3,272	3,272	3,272
Total Common Shares Outstanding	3,259	3,272	3,272	3,272	3,272
Book Value Per Share	31.37	27.86	24.39	19.67	16.60
Tangible Book Value	99,503	88,673	77,710	62,559	53,215
Tangible Book Value Per Share	30.53	27.10	23.75	19.12	16.27

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