In a gathering held on February 17, 2026, the Board of Administrators of The Financial institution of Punjab (BOP) permitted the audited monetary statements for the yr ended on December 31, 2025. The Board expressed appreciation for the Administration on Financial institution’s exemplary efficiency by delivering distinctive monetary outcomes throughout all areas of operations.
Constructing on the sturdy basis laid in earlier years, the Financial institution efficiently navigated squeezing margins, intensified competitors, world financial certainty, and evolving regulatory atmosphere together with the implementation of IFRS 9, whereas sustaining prudent threat administration and a disciplined method to value optimization.
In the course of the yr, the Financial institution additional superior its digital transformation agenda, making important investments in know-how, cybersecurity, and data-driven innovation to boost buyer expertise and operational effectivity. These strategic initiatives, supported by a diversified enterprise mannequin and a strong governance framework, enabled the Financial institution to ship its highest-ever pre-tax revenue of Rs. 35.80 billion in 2025, reflecting an distinctive 46% year-on-year progress. Working revenue earlier than provisions additionally registered a exceptional enhance of 99%, reaching Rs. 40.74 billion.
In recognition of this sturdy monetary efficiency, the Board declared a last money dividend of Rs. 1.50 per share, along with the interim money dividend of Rs. 1.00 per share already paid for the yr 2025, reaffirming the Financial institution’s dedication to delivering sustainable worth to its shareholders. This achievement marks yet one more milestone, with the Financial institution recording one of many highest revenue ranges and dividend payouts in its historical past.
As at December 31, 2025, the Financial institution’s complete deposits surpassed the Rs. 2 trillion mark, reaching one other important milestone that displays sturdy buyer confidence and efficient deposit mobilization methods. A key driver of this progress was a 34% enhance in present deposits, which rose to Rs. 476 billion, underscoring the Financial institution’s continued success in strengthening its low-cost funding base.
Income progress remained sturdy throughout all enterprise segments. Internet curiosity revenue elevated considerably to Rs. 81.10 billion, registering a robust 84% year-on-year progress. Non-markup revenue, excluding capital positive aspects, additionally recorded a powerful 23% enhance. The Financial institution maintained sturdy value self-discipline and operational effectivity, pushed by a strategic give attention to optimizing the composition of present and financial savings deposits, lowering funding prices, and leveraging know-how to enhance operational excellence. Consequently, the cost-to-income ratio improved to 59.65% in the course of the yr.
With sustained effectivity positive aspects and prudent monetary administration, the Financial institution stays well-positioned to additional enhance its cost-to-income ratio whereas sustaining regular progress momentum within the years forward. In the course of the yr, the Financial institution additionally deepened its dedication in direction of Environmental, Social and Governance (ESG), Gender Steadiness, Particular Individuals inclusion, and so forth., rules by embedding sustainability issues into enterprise practices.
In the course of the yr, the Financial institution reaffirmed its place as a strategic accomplice of the Authorities of Punjab (GoPb), actively contributing to the province’s improvement and social welfare agenda. These efforts underscored the Financial institution’s dedication to increasing monetary inclusion, supporting entrepreneurship and agriculture, and fostering long-term, inclusive financial progress. In the course of the yr, The Financial institution of Punjab efficiently delivered a spread of key Federal Authorities–led initiatives, reinforcing its position as a dependable implementation accomplice for nationwide precedence packages in agriculture, SMEs, and money transfers.
In the course of the yr, The Financial institution of Punjab superior a number of internally pushed initiatives to strengthen buyer acquisition, service supply, and long-term competitiveness. These included the growth of digital and branch-led account opening, alongside the event and launch of recent deposit merchandise such because the BOP Mehfooz Sarmayakari Account to broaden buyer selection and funding diversification. The Financial institution accelerated its digital transformation agenda, driving adoption throughout channels and migrating over 78% of buyer transactions to digital platforms, supported by revised frontline scorecards that embedded digital utilization and cross-sell targets.
In parallel, the Financial institution rolled out a complete Islamic banking product consciousness program for each workers and clients and superior preparatory steps for Islamic banking conversion. To institutionalize these efforts, the Financial institution established a devoted Buyer Division, launched a unified buyer expertise technique, and strengthened service high quality oversight by way of structured monitoring, buyer suggestions, and issue-resolution governance.
The Board of Administrators notes that, by way of a sustained strategic give attention to innovation, digital development, and customer-centricity, the Financial institution has additional strengthened the foundations for sustainable, long-term progress. These outcomes underscore the resilience of the Financial institution’s enterprise mannequin and its agility in navigating dynamic market situations, whereas persistently delivering lasting worth to all stakeholders, each now and within the years forward.
