BOP posts record results as operational profit jumps 99%

ISLAMABAD:  The Board of Directors of The Bank of Punjab (BoP) in its meeting held on February 17, 2026, approved the audited financial results for the year ended December 31, 2025. PCAA seeks bids for outsourcing Islamabad airport

The Board commended the management for the excellent performance of the bank and said that the bank has achieved excellent financial results in all areas.

Building on the strong foundation laid in the past years, the bank successfully faced challenges such as declining profit margins, increasing competition, global economic conditions, and the implementation of changing regulations, including IFRS9.

During this time, the bank maintained a policy of prudent risk management and strict control over costs.

During the year, the bank further worked on digital transformation projects and invested heavily in innovation in technology, cyber security and data, to provide better convenience to customers and make the system more efficient.

Thanks to these initiatives, the bank’s pre-tax profit in 2025 reached an all-time high of Rs 35.80 billion, up 46% from the previous year.

Similarly, operational profit increased by 99% to Rs 40.74 billion. In recognition of the strong financial performance, the board declared a final cash dividend of Rs 1.50 per share for the year 2025, in addition to the interim dividend of Rs 1.00 per share that has already been paid. This is one of the highest levels of profit and dividends in the history of the bank.

The bank’s total deposits as of December 31, 2025, exceeded Rs 2 trillion, a testament to customer confidence and the motor deposit strategy. Current accounts grew by 34% to Rs 476 billion, improving low-cost funding.

Revenue also grew strongly across all segments. Net interest income increased to Rs 10.81 billion, an increase of 84% year-on-year. Other non-mark-up income also increased by 23%.

The bank improved its performance by controlling costs and better use of technology, resulting in an improved cost-to-income ratio of 59.65%.

During the year, the bank also paid close attention to principles such as environmental, social and governance (ESG), gender balance and inclusion of special persons and made sustainability a part of its business policy.

The bank also strengthened its role as a strategic partner of the Government of Punjab and actively participated in the development and social welfare projects of the province.

Similarly, it also played an effective role in the agricultural, small and medium enterprises (SMES) and cash assistance programs of the federal government.

Furthermore, the bank took several initiatives to increase the number of customers and improve services. The facility of opening accounts through digital and branch was increased and new deposit schemes were introduced, including the BOP Secure Investment Account.

More than 78 percent of customer transactions were shifted to digital platforms. An awareness campaign was also launched to promote Islamic banking and its preparations were taken forward.

For this purpose, a special customer division was established and a comprehensive strategy was adopted to improve customer experience.

The Board of Directors emphasized that the continuous strategy of innovation, digital development and customer focus has further strengthened the foundation for the long-term sustainable growth of the bank.

These results are a clear testament to the bank’s strong business model and effective strategy in changing circumstances, which will continue to provide lasting benefits to all stakeholders today and in the years to come.