LAHORE:
The Financial institution of Punjab (BOP) has reported document monetary outcomes for the primary half of 2025, with the Board of Administrators approving the un-audited monetary statements on Friday.
For the primary time in its historical past, the financial institution introduced an interim money dividend of 10% (Rs1 per share), citing robust efficiency throughout all key indicators.
In line with the assertion, BOP earned an working revenue of Rs15.52 billion within the six months ended June 30, 2025, reflecting a 278% enhance over the identical interval final yr. Web curiosity revenue grew 116% to Rs35.81 billion, whereas non-interest revenue rose 40% attributable to diversification and fee-based streams.
Revenue earlier than tax surged 102% to Rs15.16 billion, in comparison with Rs7.51 billion within the first half of 2024. Earnings per share elevated to Rs2.08 from Rs1.47, regardless of a better tax fee of 53%. The fee-to-income ratio declined, underscoring improved effectivity and expense management.
The financial institution’s steadiness sheet additionally expanded, with whole belongings reaching Rs2,444 billion. Deposits grew 23% to Rs1,947 billion, together with a 43% rise in present deposits. Gross advances stood at Rs777 billion, whereas investments and lending to monetary establishments totaled Rs1,435 billion. The Capital Adequacy Ratio improved to 17.42%.
Alongside monetary outcomes, the financial institution highlighted its function in implementing a number of Punjab authorities initiatives, together with the Asaan Karobar Scheme, Kissan Card, Livestock Card, Petrol/Electrical Bikes, and Apni Chat Apna Ghar housing programme.
Within the SME and agriculture sectors, BOP reported main contributions. Its share in SME lending reached 21% of whole {industry} financing, whereas its share in progress of SME debtors rose to 97%. In agriculture, the financial institution accounted for 51% of industry-wide annual progress, including about 500,000 first-time debtors. Lending was supported by digital platforms and recorded restoration charges above 96%.
