The Bank of Punjab (BOP) delivered a remarkable financial performance for the first half of 2025, with operating profit soaring to PKR 15.52 billion—a staggering 278% increase compared to the same period last year. The Board has, for the first time in the bank’s history, authorized a 10% interim cash dividend, signaling strong financial health and shareholder value creation.
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Net interest income doubled, with a 116% increase as lending operations thrived despite a challenging macroeconomic environment. Non-interest income surged by 40%, reflecting strong revenue diversification through growth in fee-based services. The bank also improved its cost-to-income ratio, demonstrating prudent cost management and enhanced productivity.
Profit before tax more than doubled to PKR 15.16 billion, while earnings per share climbed to PKR 2.08. BOP’s asset base expanded significantly to PKR 2,444 billion, underpinned by a 23% rise in deposits—driven by an impressive 43% jump in current accounts, reflecting growing customer confidence.
Key government-backed social financial initiatives continued to be BOP’s strength. The bank played an instrumental role in delivering various empowerment programs across Punjab, including SME financing, housing support, and agriculture credit expansion. It continued supporting half a million new borrowers, led SME and agricultural growth, and helped facilitate the delivery of 50,000 homes under the “Apni Chat, Apna Ghar” scheme.
This performance reflects not only BOP’s financial stability but also its central role in driving inclusive economic development in Pakistan.
