The Bank of Punjab Balance Sheet

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	31,425	41,280	33,444	46,382	33,625	36,381
Investment Securities	1,422,364	1,767,114	1,241,970	633,217	645,972	499,502
Trading Asset Securities	2,947	2,567	91,055	44,125	6,368	33,678
Total Investments	1,425,311	1,769,681	1,333,025	677,342	652,340	533,180
Gross Loans	928,272	928,623	830,593	858,532	641,689	539,671
Allowance for Loan Losses	-44,923	-44,919	-50,558	-43,364	-45,050	-50,015
Other Adjustments to Gross Loans	-	-939.91	-1,277	-7,623	-5,705	-4,080
Net Loans	883,350	882,764	778,758	807,545	590,935	485,577
Property, Plant & Equipment	43,720	43,217	41,506	33,219	30,344	19,836
Other Intangible Assets	2,651	2,728	2,488	2,099	1,777	1,108
Accrued Interest Receivable	66,604	65,159	58,410	89,630	35,911	18,970
Other Receivables	10,468	5,626	3,492	85,200	-	-
Restricted Cash	51,659	70,692	67,330	63,073	44,421	43,897
Other Current Assets	29,099	21,311	15,746	17,280	18,698	9,359
Long-Term Deferred Tax Assets	16,072	7,724	9,205	10,315	14,584	13,760
Other Real Estate Owned & Foreclosed	4,371	4,287	4,959	1,997	3,677	5,849
Other Long-Term Assets	33,604	36,270	30,779	382,121	55,686	29,355
Total Assets	2,598,335	2,950,740	2,379,141	2,216,204	1,481,998	1,197,272
Accrued Expenses	1,104	1,452	3,749	2,279	1,924	823.27
Interest Bearing Deposits	1,530,293	1,575,694	1,356,117	1,235,926	1,011,474	827,075
Non-Interest Bearing Deposits	401,291	475,254	353,447	284,910	215,825	175,843
Total Deposits	1,931,584	2,050,948	1,709,564	1,520,836	1,227,299	1,002,918
Short-Term Borrowings	346,444	588,634	364,363	407,250	32,742	28,224
Current Portion of Long-Term Debt	-	3,137	676.22	9,640	2,674	9,391
Current Portion of Leases	109.07	106.6	146.34	84.72	85.03	107.81
Current Income Taxes Payable	3,181	3,433	1,807	4,536	3,220	755.47
Accrued Interest Payable	41,607	42,094	60,893	63,054	30,501	14,449
Other Current Liabilities	35,209	27,692	20,412	21,399	23,594	18,450
Long-Term Debt	66,197	64,708	76,706	67,315	62,721	41,497
Long-Term Leases	18,143	18,261	16,955	15,643	14,268	9,372
Long-Term Unearned Revenue	3,083	2,096	1,322	-	-	-
Pension & Post-Retirement Benefits	217.34	749.11	451.41	710.07	183.34	273.89
Other Long-Term Liabilities	54,948	44,109	29,981	22,887	17,822	16,100
Total Liabilities	2,501,827	2,847,419	2,287,025	2,135,632	1,417,034	1,142,362
Common Stock	32,716	32,716	32,716	32,453	29,742	26,437
Additional Paid-In Capital	2,215	2,215	2,215	2,215	2,215	2,215
Retained Earnings	58,061	56,784	48,458	43,323	34,966	27,303
Comprehensive Income & Other	2,419	10,516	7,772	1,819	-2,587	-1,632
Total Common Equity	95,411	102,231	91,161	79,809	64,336	54,323
Minority Interest	1,097	1,090	954.31	762.17	627.81	587.58
Shareholders' Equity	96,507	103,321	92,115	80,571	64,964	54,910
Total Liabilities & Equity	2,598,335	2,950,740	2,379,141	2,216,204	1,481,998	1,197,272
Total Debt	430,893	674,847	458,846	499,932	112,489	88,592
Net Cash (Debt)	-389,337	-408,645	-319,354	-266,099	-56,546	-15,433
Net Cash Per Share	-119.01	-124.91	-97.61	-81.34	-17.28	-4.72
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	29.16	31.25	27.86	24.39	19.67	16.60
Tangible Book Value	92,759	99,503	88,673	77,710	62,559	53,215
Tangible Book Value Per Share	28.35	30.41	27.10	23.75	19.12	16.27

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