The Bank of Punjab (PSX:BOP)
Pakistan · Delayed Price · Currency is PKR 30.65
+0.53 (1.76%)
At close: Sep 17, 2026
The Bank of Punjab Cash Flow Statement
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Net Income | 18,286 | 15,394 | 13,088 | 11,081 | 10,628 | 12,316 |
Depreciation & Amortization | 6,331 | 5,823 | 4,606 | 3,784 | 2,740 | 2,276 |
Other Amortization | 434.19 | 400.75 | 323.75 | 225.71 | 143.74 | 208.01 |
Gain (Loss) on Sale of Assets | -348.86 | -426.47 | -560.29 | -3,892 | -263.84 | -41.23 |
Gain (Loss) on Sale of Investments | -20,384 | -18,231 | -20,804 | -12,098 | -3,945 | -2,958 |
Total Asset Writedown | 847.41 | 1,365 | -158.48 | 596.11 | -1,274 | -112.47 |
Provision for Credit Losses | 4,285 | 4,268 | -3,786 | -1,459 | -4,965 | -1,810 |
Change in Trading Asset Securities | 30,812 | 94,545 | -38,744 | -37,644 | 27,146 | -14,357 |
Change in Other Net Operating Assets | -417,472 | -104,430 | 171,662 | -679.29 | -132,271 | -189,539 |
Other Operating Activities | -30,984 | -24,299 | 30,383 | -17,058 | 3,896 | 906.5 |
Operating Cash Flow | -406,712 | -24,740 | 156,412 | -56,874 | -97,824 | -192,870 |
Operating Cash Flow Growth | - | - | - | - | - | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Capital Expenditures | -4,924 | -4,392 | -5,877 | -4,478 | -3,839 | -1,843 |
Sale of Property, Plant and Equipment | 1,097 | 1,158 | 1,070 | 5,589 | 890.18 | 296.37 |
Investment in Securities | 214,470 | -294,990 | -339,406 | -217,091 | -132,931 | 38,338 |
Purchase / Sale of Intangibles | -1,141 | -713.88 | -801.51 | -665.15 | -812.53 | -620.51 |
Other Investing Activities | 308.66 | 337.83 | 356.49 | 568.78 | 710.41 | 378.14 |
Investing Cash Flow | 209,810 | -298,600 | -344,658 | -216,076 | -135,982 | 36,550 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Long-Term Debt Issued | - | - | 621.5 | 15,498 | 9,418 | - |
Long-Term Debt Repaid | - | -3,571 | -2,978 | -4,877 | -2,123 | -1,484 |
Lease Payments | -3,791 | -3,564 | -2,972 | -2,380 | -2,121 | -1,481 |
Net Debt Issued (Repaid) | -3,799 | -3,571 | -2,357 | 10,621 | 7,294 | -1,484 |
Common Dividends Paid | -8,179 | -9,160 | -3,272 | - | - | -2,644 |
Net Increase (Decrease) in Deposit Accounts | 207,498 | 341,384 | 188,728 | 293,537 | 224,381 | 167,848 |
Other Financing Activities | - | - | - | - | - | 1,000 |
Financing Cash Flow | 195,520 | 328,652 | 183,100 | 304,158 | 231,675 | 164,721 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Foreign Exchange Rate Adjustments | 269.9 | 269.9 | -464.22 | - | - | - |
Net Cash Flow | -1,310 | 5,582 | -5,611 | 31,208 | -2,131 | 8,401 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Free Cash Flow | -411,637 | -29,132 | 150,535 | -61,351 | -101,664 | -194,713 |
Free Cash Flow Growth | - | - | - | - | - | - |
Free Cash Flow Margin | -385.11% | -30.37% | 201.85% | -104.74% | -219.28% | -491.95% |
Free Cash Flow Per Share | -125.82 | -8.90 | 46.01 | -18.75 | -31.07 | -59.52 |
Free Cash Flow After Leases | -415,428 | -32,696 | 147,563 | -63,731 | -103,784 | -196,193 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 Interest Paid | 181,080 | 201,518 | 299,579 | 251,751 | 254.63 | 140.58 |
Cash Income Tax Paid | 28,143 | 20,279 | 11,052 | 7,679 | 5,003 | 6,197 |