The Bank of Punjab (PSX:BOP)

The Bank of Punjab Balance Sheet

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
Cash & Equivalents	50,452	36,935	46,382	33,625	36,381	36,690
Investment Securities	1,399,147	900,054	633,217	645,972	499,502	454,300
Trading Asset Securities	33,082	91,055	44,125	6,368	33,678	19,169
Total Investments	1,432,228	991,109	677,342	652,340	533,180	473,469
Gross Loans	778,332	830,593	858,532	641,689	539,671	447,128
Allowance for Loan Losses	-51,303	-50,558	-43,364	-45,050	-50,015	-51,825
Other Adjustments to Gross Loans	-	-1,277	-7,623	-5,705	-4,080	-3,413
Net Loans	727,028	778,758	807,545	590,935	485,577	391,890
Property, Plant & Equipment	41,791	41,506	33,219	30,344	19,836	14,817
Other Intangible Assets	2,494	2,488	2,099	1,777	1,108	695.65
Accrued Interest Receivable	51,698	58,337	89,630	35,911	18,970	15,563
Other Receivables	-	-	85,200	-	-	-
Restricted Cash	68,291	67,330	63,073	44,421	43,897	35,090
Other Current Assets	21,328	15,139	17,280	18,698	9,359	3,473
Long-Term Deferred Tax Assets	7,914	9,205	10,315	14,584	13,760	7,839
Other Real Estate Owned & Foreclosed	5,078	4,959	1,997	3,677	5,849	5,904
Other Long-Term Assets	32,904	373,374	382,121	55,686	29,355	110,419
Total Assets	2,441,205	2,379,141	2,216,204	1,481,998	1,197,272	1,095,848
Accrued Expenses	1,313	3,906	2,279	1,924	823.27	1,270
Interest Bearing Deposits	1,485,419	1,356,117	1,235,926	1,011,474	827,075	683,498
Non-Interest Bearing Deposits	460,563	353,447	284,910	215,825	175,843	151,572
Total Deposits	1,945,981	1,709,564	1,520,836	1,227,299	1,002,918	835,070
Short-Term Borrowings	194,254	362,444	407,250	32,742	28,224	124,714
Current Portion of Long-Term Debt	-	676.22	9,640	2,674	9,391	9,438
Current Portion of Leases	83.66	146.34	84.72	85.03	107.81	47.93
Current Income Taxes Payable	3,701	1,807	4,536	3,220	755.47	-
Accrued Interest Payable	37,802	60,893	63,054	30,501	14,449	15,915
Other Current Liabilities	26,972	20,412	21,399	23,594	18,450	6,992
Long-Term Debt	76,635	76,706	67,315	62,721	41,497	27,480
Long-Term Leases	17,416	16,955	15,643	14,268	9,372	7,250
Long-Term Unearned Revenue	1,695	1,013	-	-	-	336.35
Pension & Post-Retirement Benefits	293.86	451.41	710.07	183.34	273.89	261.77
Other Long-Term Liabilities	39,555	32,052	22,887	17,822	16,100	14,688
Total Liabilities	2,345,699	2,287,025	2,135,632	1,417,034	1,142,362	1,043,465
Common Stock	32,716	32,716	32,453	29,742	26,437	26,437
Additional Paid-In Capital	2,215	2,215	2,215	2,215	2,215	2,215
Retained Earnings	49,807	48,541	43,323	34,966	27,303	17,532
Comprehensive Income & Other	9,775	7,689	1,819	-2,587	-1,632	5,692
Total Common Equity	94,513	91,161	79,809	64,336	54,323	51,876
Minority Interest	992.91	954.31	762.17	627.81	587.58	506.99
Shareholders' Equity	95,506	92,115	80,571	64,964	54,910	52,383
Total Liabilities & Equity	2,441,205	2,379,141	2,216,204	1,481,998	1,197,272	1,095,848
Total Debt	288,388	456,927	499,932	112,489	88,592	168,931
Net Cash (Debt)	-197,551	-316,046	-266,099	-56,546	-15,433	-105,441
Net Cash Per Share	-60.38	-96.60	-81.34	-17.28	-4.72	-32.23
Filing Date Shares Outstanding	3,272	3,272	3,272	3,272	3,272	3,272
Total Common Shares Outstanding	3,272	3,272	3,272	3,272	3,272	3,272
Book Value Per Share	28.89	27.86	24.39	19.67	16.60	15.86
Tangible Book Value	92,019	88,673	77,710	62,559	53,215	51,180
Tangible Book Value Per Share	28.13	27.10	23.75	19.12	16.27	15.64

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