The Bank of Punjab Income Statement

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	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
Interest Income on Loans	261,942	266,389	343,865	327,236	137,298	81,804
Interest Income on Investments	307.28	336.44	355.11	568.78	708.95	377.4
Total Interest Income	262,250	266,725	344,220	327,805	138,007	82,182
Interest Paid on Deposits	170,507	185,253	299,605	286,244	106,407	51,776
Net Interest Income	91,743	81,472	44,615	41,561	31,599	30,406
Net Interest Income Growth	43.78%	82.61%	7.35%	31.52%	3.93%	29.05%
Gain (Loss) on Sale of Assets	171.06	248.67	45.45	9.61	149.42	-0.98
Gain (Loss) on Sale of Investments	-1,078	2,960	12,928	5,255	343.16	1,786
Other Non-Interest Income	20,618	16,211	12,914	11,681	9,391	5,779
Total Non-Interest Income	19,710	19,420	25,888	16,946	9,884	7,564
Non-Interest Income Growth	-24.02%	-24.98%	52.77%	71.45%	30.68%	-41.56%
Revenues Before Loan Losses	111,453	100,892	70,503	58,506	41,483	37,969
Provision for Loan Losses	4,564	4,980	-4,073	-67.23	-4,879	-1,611
Revenue	106,889	95,912	74,576	58,573	46,363	39,580
Revenue Growth	18.87%	28.61%	27.32%	26.34%	17.14%	33.57%
Salaries and Employee Benefits	884.69	963.69	491.29	323.58	288.54	363.32
Selling, General & Administrative	2,002	1,998	1,675	1,291	1,129	1,052
Other Non-Interest Expense	63,661	57,795	48,543	36,067	26,571	19,758
Total Non-Interest Expense	66,547	60,757	50,710	37,682	27,988	21,174
EBT Excluding Unusual Items	40,342	35,155	23,866	20,891	18,374	18,406
Legal Settlements	-	-	331.65	-	-	-
Other Unusual Items	459.13	239.19	239.44	237.97	3.12	-35.34
Pretax Income	40,801	35,394	24,437	21,129	18,377	18,371
Income Tax Expense	22,420	19,864	11,157	9,876	7,709	5,975
Earnings From Continuing Operations	18,381	15,530	13,280	11,254	10,669	12,396
Minority Interest in Earnings	-94.94	-136.08	-192.14	-173.1	-40.23	-80.59
Net Income	18,286	15,394	13,088	11,081	10,628	12,316
Net Income to Common	18,286	15,394	13,088	11,081	10,628	12,316
Net Income Growth	23.05%	17.62%	18.11%	4.26%	-13.70%	80.61%
Basic Shares Outstanding	3,272	3,272	3,272	3,272	3,272	3,272
Diluted Shares Outstanding	3,272	3,272	3,272	3,272	3,272	3,272
Shares Change	-0.00%	-	-	-	-	-
EPS (Basic)	5.59	4.71	4.00	3.39	3.25	3.76
EPS (Diluted)	5.59	4.71	4.00	3.39	3.25	3.76
EPS Growth	23.12%	17.63%	18.10%	4.26%	-13.68%	80.57%

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
Dividend Per Share	3.100	2.500	1.800	1.000	-	-
Dividend Growth	10.71%	38.89%	80.00%	23.75%	-	-
Effective Tax Rate	54.95%	56.12%	45.66%	46.74%	41.95%	32.52%