The Bank of Punjab (BOP) Financial Statements, Ratios & Dividends
About
The Bank of Punjab is a holding company, which engages in the provision of banking and financial services. It operates through the following business segments: Corporate and Investment Banking, Cards and Public Sector Deposits, Consumer Banking Group, Treasury, Islamic, and Others. The Corporate and Investment Banking segment includes loans, project finance, real estate finance, export finance, trade finance, commercial, and investment banking. The Cards and Public Sector Deposits segment relates to public sector deposits and related banking services. The Consumer Banking Group segment focuses on private sector deposits and loans under retail finance, agriculture customers, small, and medium enterprises. The Treasury segment refers to the fixed income, equity, foreign exchanges, commodities, credit, funding, and own position securities. The Islamic segment is involved in the full scale of Islamic banking operations. The Others segment relates to the head office related activities. The company was founded in 1989 and is headquartered in Lahore, Pakistan.
Financial Highlights
| FY2025 | FY2024 | ||
|---|---|---|---|
| Revenue | 286.97B | 369.24B | |
| Net Income | 15.39B | 13.09B | |
| EPS | 4.71 | 4.00 | |
| ROE | 15.92% | 15.31% | |
| ROA | 0.58% | 0.57% | |
| Net Margin | 15.15% | 18.80% | |
| Current Ratio | 0.12 | 0.18 | |
| DPS | 2.50 | 1.80 | |
| Free Cash Flow | 195.83B | 47.45B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Total Interest Income | 266.73B | 344.22B | |
| Total Interest Expense | -185.34B | -299.60B | |
| Net Interest Income | 81.38B | 44.62B | |
| Loan Loss Provision | -4.00B | 3.80B | |
| Net Interest Income after LLP | 77.38B | 48.41B | |
| Non-Interest Income | 20.24B | 25.02B | |
| Commissions & Fees | 13.43B | 11.25B | |
| Foreign Exchange Income | 2.28B | 858.90M | |
| Non-Interest Expense | -62.03B | -49.34B | |
| Labor & Personnel | -30.00B | -28.01B | |
| Total Revenue | 286.97B | 369.24B | |
| Operating Income | 35.59B | 24.09B | |
| Pre-Tax Income | 35.39B | 24.44B | |
| Income Tax | -19.86B | -11.16B | |
| Minority Interest | -136.08M | -192.14M | |
| Net Income | 15.39B | 13.09B | |
| EPS (Basic) | 4.71 | 4.00 | |
| EPS (Diluted) | 4.71 | 4.00 | |
| Non-Interest Income / Revenue | 19.92% | 35.93% | |
| Operating Margin | 35.02% | 34.60% | |
| Net Margin | 15.15% | 18.80% | |
| Pre-Tax Margin | 12.33% | 6.62% |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Regulatory Capital | |||
| CET1 Ratio | 9.80% | 12.46% | |
| Tier 1 Capital Ratio | 11.07% | 14.24% | |
| Tier 2 Capital Ratio | 3.13% | 3.68% | |
| Total Capital Ratio | 14.21% | 17.92% | |
| Tier 1 Capital | 103.85B | 95.98B | |
| Risk-Weighted Assets | 937.80B | 674.21B | |
| Asset Quality | |||
| Non-Performing Loans | 44.33B | 108.49B | |
| NPL Ratio (NPL/Gross Loans) | 0.04% | 0.13% | |
| Loan Loss Coverage | -0.05% | -0.02% | |
| NPL / Loan Loss Reserve | 0.99 | 2.15 | |
| Reserve / Gross Loans | 0.04% | 0.06% | |
| Profitability | |||
| Return on Equity (ROE) | 15.92% | 15.31% | |
| Return on Assets (ROA) | 0.58% | 0.57% | |
| Operating Margin | 35.02% | 34.60% | |
| Net Margin | 15.15% | 18.80% | |
| Yield on Earning Assets | 11.20% | 17.29% | |
| Interest Income / Deposits | 4.41% | 2.83% | |
| Deposit & Loan Structure | |||
| Deposits / Total Assets | 0.67% | 0.71% | |
| Loans / Deposits (ADR) | 0.58% | 0.50% | |
| Loans / Total Assets | 0.39% | 0.35% | |
| Equity / Deposits | 0.05% | 0.05% | |
| Cash / Deposits | 0.83% | 0.84% | |
| CASA Ratio | 0.24% | 0.21% | |
| Per Share | |||
| Book Value Per Share | 31.25 | 27.86 | |
| Tangible Book Per Share | 30.41 | 27.10 | |
| Shares & Market | |||
| Total Shares Outstanding | 3,271,569,319 | 3,271,569,319 | |
| Market Cap | 126.15B | 35.37B | |
| Enterprise Value | 738.19B | 405.40B | |
| Employees | 15,206 | 14,656 | |
| Shareholders | 34,262 | 34,262 | |
| FY2025 | FY2024 | ||
|---|---|---|---|
| Dividends Per Share | 2.50 | 1.80 | |
| Dividend Yield | 6.48% | 16.65% | |
| Payout Ratio | 53.13% | 44.99% | |
| Total Dividends Paid | -9.16B | -3.27B |
| FY2025 | FY2024 | ||
|---|---|---|---|
| P/E Ratio | 8.19 | 2.70 | |
| P/B Ratio | 1.23 | 0.39 | |
| P/S Ratio | 1.24 | 0.51 | |
| P/CF Ratio | 0.63 | 0.66 | |
| Market Cap | 126.15B | 35.37B | |
| Enterprise Value | 738.19B | 405.40B |
| TTM | ||
|---|---|---|
| Income | ||
| Revenue | 283.09B | |
| Operating Income | 40.19B | |
| Net Income | 18.30B | |
| Free Cash Flow | 366.02B | |
| EPS (Basic) | 5.59 | |
| Margins | ||
| Operating Margin | 35.70% | |
| Net Margin | 16.26% | |
| Returns | ||
| Return on Equity (ROE) | 18.53% | |
| ROIC | 0.08% | |
| Coverage & Debt | ||
| Dividend Coverage | -2.36 | |
| Debt / Revenue | 0.56 | |
| Valuation & Scores | ||
| P/E (TTM) | 5.23 | |
| Sloan Ratio | -13.81 | |
| Zmijewski Score | 1.08 | |
Computed Metrics (Latest Period)
| FY2025 | ||
|---|---|---|
| Extended Returns | ||
| Return on Common Equity | 15.92% | |
| Return on Tangible Equity | 16.36% | |
| Return on Tangible Assets | 0.58% | |
| Return on Total Capital | 5.09% | |
| ROCE | 3.56% | |
| Growth | ||
| EPS Diluted Growth | 0.18% | |
| Sustainable Growth Rate | 7.46% | |
| Quality & Risk Scores | ||
| Zmijewski Score | 1.12 | |
| Sloan Ratio | 11.44 | |
| Valuation (Computed) | ||
| Graham Number | 57.52 | |
| Tobin's Q Ratio | 0.04 | |
| Leverage & Coverage | ||
| Total Debt / Capital | 0.88% | |
| Assets / Equity (Leverage) | 28.95 | |
| Effective Interest Rate | 7.84% | |
| Debt / Revenue | 2.54 | |
| Efficiency (Computed) | ||
| Fixed Asset Turnover | 6.77 | |
| Dividends (Computed) | ||
| Dividend Coverage | -1.54 | |
| Share Buyback Ratio | 0.00 | |
| Per Employee | ||
| Revenue / Employee | 6.68M | |
| Net Income / Employee | 1.01M | |
| Oper. Income / Employee | 2.34M | |
| Total Assets / Employee | 194.65M | |
| Balance Sheet (Computed) | ||
| Earnings Schedule | ||
| Next Earnings Date | 3 Mar 2027 | |
| Next Fiscal Period | 2026 | |