The Bank of Punjab (BOP) has reported unprecedented financial results for the year 2025, with operational profits nearly doubling and total deposits exceeding the Rs. 2 trillion threshold.
The Bank’s pre-tax profit reached Rs. 35.80 billion, reflecting a 46% increase from 2024, while operating profit before provisions soared by 99% to Rs. 40.74 billion.
The Board of Directors has declared a final cash dividend of Rs. 1.50 per share, in addition to the interim dividend of Rs. 1.00 per share that has already been distributed, representing one of the highest dividend distributions in the Bank’s history.
BOP attributes its profits to a blend of effective risk management, stringent cost control, and an accelerated digital transformation strategy, which includes investments in technology, cybersecurity, and data-driven solutions.
Currently, over 78% of customer transactions have transitioned to digital platforms. Total deposits have seen a significant increase, propelled by a 34% rise in current accounts to Rs. 476 billion.
Net interest income surged by 84% to Rs. 81.10 billion, while non-markup income (excluding capital gains) experienced a growth of 23%. Operational efficiency has also improved, with the cost-to-income ratio decreasing to 59.65%.
BOP has reaffirmed its dedication to ESG principles, gender equality, and the inclusion of individuals with special needs, while also supporting provincial and federal initiatives in agriculture, small and medium enterprises (SMEs), and cash transfer programs to generate profits.
The Board of Directors highlighted that the ongoing strategy of innovation, digital advancement, and customer orientation has further solidified the groundwork for the bank’s long-term sustainable growth.
These outcomes serve as a clear indication of the bank’s robust business model and effective strategy in evolving conditions, which will persist in delivering enduring advantages to all stakeholders both now and in the future.
